Yes. A DUI conviction in California almost always raises your car insurance, often dramatically, and the increase can last for years. For a lot of people, the long-term insurance hit ends up being the single most expensive part of a DUI.
Once a DUI shows up, insurers move you into a high-risk category. Premiums can jump substantially, and some companies may decline to renew your policy entirely, pushing you to shop among carriers that specialize in high-risk drivers at higher rates. Because a DUI stays on your driving record for 10 years in California, the higher premiums can follow you well after the case itself is closed.
Many drivers with a DUI also have to file an SR-22. That's not insurance itself. It's a form your insurer files with the DMV to prove you carry the required coverage, and it's typically needed to reinstate your license after a suspension. Carrying an SR-22 is usually another signal to insurers that you're high risk, which feeds the higher rate.
This is a big reason it can pay to fight the charge. If the DUI is dismissed or reduced to a wet reckless, the insurance consequences are often much lighter, since a conviction is what triggers the worst of it.
For the full financial picture, see how much does a DUI cost. For a possible reduction, see our wet reckless page.
Worried about the long-term cost? Call (858) 622-7280 or visit our contact page.
This is general information, not legal advice, and every case is different.