DUI Insurance

DUI Insurance in California

How to find the Best rates

If you have had your driver’s license suspended due to a traffic stop or accident involving alcohol or drug use, then getting DUI coverage has to be your first priority.  Without having proof of it, you will not be able to regain your license.  The Department of Motor Vehicles requires you to have this special kind of coverage before they will re-instate your driving privileges.

This is where IIS comes in.  At IIS, we can help you find the best, most affordable quotes available.  Because we work with several companies, when you contact us, it is like contacting a dozen providers simultaneously. You save time and money.


We will provide you with a number of potential carriers so that you can examine the rates that are available in your area and choose the one that is the best fit. In addition, we can help educate you as to the differences between one kind of policy and another, so that you can make an informed decision as to which policy gives you the best value.

Although there is no such thing as “cheap DUI insurance” as compared to regular coverage, we will help to find you the most competitive rates available.

What Happens When You Get a DUI?

If you are arrested for a DUI, in addition to the jail time, fines, and license suspension that will occur, you will also have to purchases high risk coverage. California has specific provisions and requirements and is not offered by all providers.  In fact, it is quite possible that the provider that you had at the time of your DUI will either drop your policy once they find out about it, or raise your rates to the point where it is no longer affordable for you.

This is because many providers simply choose not to carry it. When this happens, you will be required to find a  provider who does before the Department of Motor Vehicles will reinstate your driver’s license.

Some drivers try to retain their current policy by not reporting their DUIs to their current carrier and simply choose to buy a basic policy from another carrier so that they do not lose other privileges stemming from their current policies (such as reduced home owner’s rates tied to bundling policies).  Although this may work in the short term, it is likely that your current carrier will discover your DUI sooner or later when they check your DMV record (a protocol most major providers conduct annually for all their policy holders).

On discovery of your DUI, providers usually will drop your policy. One way to avoid this occurrence—which will also have a negative effect on you rates—is to square away a policy before your current provider drops you from their policy.

What Happens if I have multiple DUI arrests?

For obvious reasons, with each subsequent DUI, rates climb as do the other consequences of them like license suspension and jail time.  In addition, if there is an accident and others are injured, penalties like jail time tend to be even more severe.

For that reason, it is, of course, of utmost importance to avoid situations that could lead you to driving under the influence.

Is it required for a restricted license?

After a period of having a suspended license, the Department of Motor Vehicles will allow you to apply for a restricted license so that you may drive to work and back.  In order to get this license—just as when you get your normal license back—you will need to have your provider file with the Department of Motor Vehicles.

This form indicates that you have purchased the correct amount of liability.  sr22 as it is known shows that you have met your financial responsibility for your license.  (In fact, the form is also required when someone has been stopped when driving with a suspended license or has had their license suspended due to excessive unpaid traffic violations. )

As mentioned, it is filed by your insurance company, not by you individually.  Even if you try to get the form from the DMV and file it yourself by showing a valid ID using your policy number, the DMV will not accept your form.

This is because part of the policy is an agreement between your provider and the Department of Motor Vehicles.  This agreement basically states that the provider will contact the Department of Motor Vehicles should you let your coverage lapse or should you be dropped by your provider.

How can IIS help me?

We can help you by finding the cheapest and most fitting policy for your situation.  Our experienced agents know which providers offer the best rates and they know how to decipher the policies for you so that you can select the policy that best fits your situation.  In addition, because our agents can offer you multiple providers from which to choose and since our providers know that, there is a natural competitive incentive for them to drop prices for you.

So if you are in the market for high risk coverage and would like to expedite the process so that you do not have to spend hours trying to make sense of the dense legal jargon involved in policy statements, then you need to call IIS today.  We can quickly and efficiently locate the best policy for you so that you can move on with your life.

Just leave it to the pros.