Can I still get car insurance after a DUI?

SR-22 basics: what it is and why DMV requires it

An SR-22 is not insurance; it’s a certificate your insurer files to prove you carry minimum liability coverage after certain suspensions/revocations. For DUI actions, DMV guidance requires you to file and maintain SR-22 for three years to reinstate and keep your privilege valid. See DMV Insurance Requirements and the DUI flyers for first and repeat offenders noting the three-year SR-22 period (FFDL—1st Offender, Repeat Offender).

Will I be “high-risk”? What that means for price

Most insurers classify drivers with a recent DUI as higher risk. California’s Department of Insurance emphasizes that prices vary by company and urges comparison shopping; state law also offers an income-based California Low Cost Auto Insurance option to meet financial responsibility requirements. Insurance.ca.gov: CLCA; Dept. of Insurance.

How long do higher premiums last?

DMV’s reportability rule is clear: a DUI conviction remains on your driver record for 10 years. Insurers use their own underwriting windows, but many gradually reduce surcharges if you keep a clean record for several years. Always re-shop at major milestones (e.g., year 3) to check for lower rates. DMV FFDL-15.

Steps to get insured after a DUI

• Request quotes from multiple insurers (standard and non-standard markets) and confirm they will file SR-22 electronically.
• Enroll in your DUI program promptly; many carriers consider program enrollment a positive factor. See our overview: Alcohol education after DUI.
• Coordinate DMV timelines: You generally have 10 days from notice to request an APS hearing; we handle these for clients. DMV DUI (APS) and DMV hearings.
• Consider CLCA if income-eligible to meet legal requirements at lower cost. CLCA program.

Court vs. DMV vs. your insurer

These are separate tracks. The criminal court determines guilt and sentencing. The DMV runs an administrative process that can suspend or restrict your privilege (independent of court). Your insurer prices risk and files the SR-22 to keep you legal. We align all three to shorten downtime and reduce exposure. Learn more: License suspension.

FAQs

How long must I keep the SR-22 on file?

DMV materials for DUI actions indicate 3 years of SR-22 maintenance to reinstate and keep driving. 1st Offender (PDF); Repeat Offender (PDF).

Can I avoid an SR-22 by using a different insurer?

No. If an SR-22 is required, any insurer you use must file it; otherwise DMV can suspend your privilege. See DMV Insurance Requirements.

How long does a DUI stay on my CA driving record?

10 years (reportable). DMV FFDL-15.

Talk with Braden & Tucci

We fight the criminal case and manage your DMV hearing while helping you satisfy insurance/SR-22 requirements. Call (949) 996-0170 or visit caduilaw.com to get a plan in place today.

Disclaimer: This article is for general information only and not legal advice. Outcomes depend on facts and jurisdiction. Consult an attorney about your situation.