The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, especially when you are searching for the best coverage prices for drivers with a DUI. Because it’s not cheap, let’s learn about a few of the factors that can significantly affect auto insurance premiums, and find some ways to take the sting out of the next policy you buy.
Finding reliable, budget car insurance is challenging, and deciding which companies offer the best auto insurance rates for drivers with a DUI will involve even more work.
Every car insurance company uses their own calculation for determining rates in each state, so let’s begin by taking a look at the overall cheapest auto insurance companies in California. It’s important that you understand California auto insurance rates are calculated based on many things that can increase the price of coverage. This price fluctuation is why it is important to perform a complete rate comparison to find the best auto insurance quotes for drivers with a DUI. Car insurance prices are impacted by many different factors and change substantially, so the best price when you bought your policy may now be one of the higher cost companies.
Best Cheap Insurance Rates after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
| Find Your Rate Go | ||
USAA generally has some of the most affordable car insurance rates in Los Angeles at around $1,121 annually. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also some of the cheaper Los Angeles, CA insurance companies.
As illustrated above, if you are a customer of Nationwide and switched to USAA, you might see an annual premium reduction of around $92. Drivers with Century National could save as much as $105 a year, and 21st Century insureds might see rate reductions of $217 a year.
Be aware that those premium estimates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for drivers with a DUI. So the company that fits your needs best may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The type of vehicle on the policy is probably the most important factor that determines whether or not you find the most affordable insurance for drivers with a DUI. Vehicles with lower performance, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The table below illustrates coverage premiums for some of the more affordable automobiles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $3,032 |
| Honda CR-V LX 2WD | $3,346 |
| Jeep Grand Cherokee Laredo 4WD | $3,594 |
| Hyundai Elantra SE Touring Station Wagon | $3,641 |
| Toyota Prius | $3,713 |
| Toyota Tacoma X-Runner 2WD | $3,789 |
| Toyota Camry XLE | $3,797 |
| Nissan Altima Hybrid 4-Dr Sedan | $3,859 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $3,868 |
| Ford Explorer Eddie Bauer 4WD | $4,041 |
| Chevrolet Malibu LT | $4,047 |
| Chevrolet Impala LS | $4,090 |
| Ford Fusion Sport AWD 4-Dr Sedan | $4,123 |
| Compare Rates Now Go | |
Data based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can change premiums greatly.
Looking at the rates, we can expect cars like the Ford Escape, Honda CR-V, Jeep Grand Cherokee, Hyundai Elantra, and Toyota Prius will be some of the cheaper vehicles to insure after getting a DUI. Prices will be more costly because there is more liability exposure for drivers with a DUI, but in general those particular vehicles will most likely have the cheapest auto insurance rates that you’ll find.
After getting a DUI, one of the largest criteria that help determine insurance cost is where you call home in Los Angeles. Cities with larger populations are more likely to pay higher prices, whereas areas with less people or fewer weather incidents benefit from lower prices.
The information below ranks the highest-priced places in California for drivers with a DUI in which to buy car insurance. Los Angeles is ranked at #2 having an annual price of $2,083 for car insurance, which is approximately $174 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,626 |
| 7 | Santa Clarita | $1,595 |
| 8 | San Bernardino | $1,580 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Modesto | $1,532 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Moreno Valley | $1,491 |
| 15 | Riverside | $1,482 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Irvine | $1,384 |
| 21 | San Diego | $1,381 |
| 22 | Bakersfield | $1,353 |
| 23 | Fremont | $1,348 |
| 24 | Oxnard | $1,304 |
| 25 | Chula Vista | $1,298 |
| Compare Rates Now Go | ||
Premium costs are comparative as the specific geographic location can decrease or increase auto insurance rates considerably.
Bad driving habits will cost you more
One of the best ways to score the most affordable auto insurance prices in Los Angeles after getting a DUI is to drive safe and avoid traffic citations and accidents. The diagram below highlights how speeding tickets and accidents influence yearly insurance costs for each different age group. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $2,091. Get one speeding ticket and the average cost swells to $2,410, an increase of $319 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for drivers with a DUI jumps again to an average of $3,300. That’s an increase of $1,210, or $101 per month, just for not driving safely!
The chart below shows how different deductible levels can impact insurance premiums when researching cheap insurance for drivers with a DUI. The premium estimates are based on a single female driver, comp and collision included, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could reduce rates by $544 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $816 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices up to $1,216 each year by choosing a larger deductible amount.
If you make the decision to raise deductibles, it’s a good idea to have spare funds to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Get discount Los Angeles auto insurance
Insurance companies that provide coverage for drivers with a DUI may provide discounts that could lower prices by as much as 30% if you are eligible to receive them. Popular auto insurance companies and some of their more popular discounts can be found below.
- State Farm has discounts for multiple autos, good student, Drive Safe & Save, defensive driving training, driver’s education, student away at school, and Steer Clear safe driver discount.
- GEICO offers premium reductions for five-year accident-free, emergency military deployment, seat belt use, air bags, and membership and employees.
- Allstate may have discounts that include passive restraint, FullPay discount, 55 and retired, premier plus, multi-policy, utility vehicle, and anti-theft.
- SAFECO includes discounts for accident prevention training, multi-car, drive less, anti-theft, homeowner, and teen safety rewards.
- Farm Bureau may offer discounts for renewal discount, good student, safe driver, multi-vehicle, driver training, youthful driver, and 55 and retired.
- Progressive offers discounts for good student, multi-vehicle, multi-policy, online quote discount, continuous coverage, and homeowner.
- AAA offers discounts including anti-theft, AAA membership discount, good driver, good student, education and occupation, pay-in-full, and multi-policy.
The example below shows the difference between auto insurance rates with and without some available policy discounts. The rate quotes are based on a female driver, three speeding tickets and no accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, paperless filing, continuous coverage, paid-in-full, anti-theft, and passive restraint discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for drivers with a DUI is 28% or $840.
The Los Angeles car insurance agencies listed below can aid you in deciding which coverages are best, as lots of drivers aren’t clear which coverage they need and would like to have the advice of a professional agent when buying car insurance for drivers with a DUI. It can be complicated to find the cheapest rate yourself, and getting professional guidance from a licensed agent can give comfort knowing your coverage gives you suitable coverage if you have an accident. To find a Los Angeles insurance agent in your neighborhood, click the button after the list or click here to compare prices now.
- State Farm: Ramon Pantoja
714 W Olympic Blvd #1007 – Los Angeles, CA 90015 – (213) 225-0655 - Oleg Avanesov – State Farm Insurance Agent
12245 California Route 2 – Los Angeles, CA 90025 – (310) 826-8700 - Carmel Stevens – State Farm Insurance Agent
4918 W Slauson Ave – Los Angeles, CA 90056 – (323) 292-7930 - Young Pyo – State Farm Insurance Agent
3700 Wilshire Blvd #567 – Los Angeles, CA 90010 – (213) 365-1600 - Leisha Willis – State Farm Insurance Agent
500 N Larchmont Blvd – Los Angeles, CA 90004 – (323) 785-4080