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DUIs & Insurance - FAQs

DUIs & Insurance - FAQs

On Friday March 10th, 2023  the Santa Rosa Police Department will conduct a driving under the influence (DUI) Checkpoint from 6:00 p.m. until 02:00 a.m. at an undisclosed location. 

DUI checkpoint locations are determined based on data showing incidents of impaired driving-related crashes. The primary purpose of DUI checkpoints is to promote public safety by taking suspected impaired drivers off the road.

Impaired drivers put others on the road at significant risk.  Any prevention measures that reduce the number of impaired drivers on our roads significantly improves traffic safety.”

How long does a DUI stay on your driving record?

You’re looking at three to five years in most states. In some states, a DUI will fall off after just three years like any other traffic violation. In California, it will stay on your driving record for 10 years.

Please note that a driving record is separate from a criminal record. A DUI may stay on your criminal record for life.

How does a DUI affect your insurance rate?

If you have a DUI violation, your rate will go up. Insurance companies may consider DUI drivers as riskier to insure or even refuse coverage. Some insurers will refer customers with a DUI to Progressive, as we accept DUI drivers and only raise rates by a countrywide average*Read the associated disclosure for this auto insurance claim. of about 13% after one DUI.

Your first DUI increases your rate by 13%

The amount of time passed since the DUI as well as your age and driving history will factor in to the amount of the increase. For example, if you’ve never had any accidents and speeding tickets, and your DUI is the only hit on your record, your rate likely won’t go up as much.

Once the DUI violation no longer shows on your motor vehicle report, you should see a decrease in your car insurance rate.

If I’m in an accident while driving drunk, am I covered?

Yes. You’re covered up to the limits of your policy for any accident, regardless of fault or if you were under the influence of alcohol or drugs. That includes damage to your car or someone else’s property as well as their injuries.

 

Thank you to Progressive Insurance for this valuable information about DUIs - you can see the full article that we've referenced here.