The make and model of vehicle driven is one of the primary factors when looking for economical coverage for drivers with a DUI. Vehicles with lower performance, advanced safety features, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The data below features auto insurance rates for the most economical vehicles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,416|
|Chevrolet Silverado LS Regular Cab 2WD||$1,441|
|Ford Fusion S 4-Dr Sedan||$1,448|
|Chevrolet Impala LT||$1,453|
|Ford Escape Limited 2WD||$1,450|
|Dodge Grand Caravan SXT||$1,475|
|Ford Explorer Limited AWD||$1,483|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,509|
|Hyundai Elantra GLS 4-Dr Sedan||$1,527|
|Toyota Tacoma X-Runner 2WD||$1,535|
|Ford F-150 XLT Super Cab 4WD||$1,538|
|Chevrolet Malibu LTZ||$1,555|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,565|
|Ford Edge Limited 2WD||$1,567|
|Honda Odyssey EX W/Rear Entertainment||$1,575|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,576|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,582|
|Honda Accord LX-S 2-Dr Coupe||$1,628|
|Ford Focus SE 2-Dr Coupe||$1,636|
|Toyota RAV4 Limited 2WD||$1,679|
|Chevrolet Equinox LT 2WD||$1,689|
|Jeep Grand Cherokee Laredo 4WD||$1,679|
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Table data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in garaging location in San Diego, CA which can raise or lower prices substantially.
Based on these rates, we can tell that cars like the Toyota Prius, Honda CR-V, and Chevrolet Silverado are most likely going to be a few of the cheaper vehicles to insure after getting a DUI. Auto insurance rates will be more expensive just due to the fact that there is more inherent risk for drivers with a DUI, but overall those particular vehicles will have the cheapest rates possible.
After getting a DUI, one of the more important components that aid in calculating car insurance rates is where you keep your car in San Diego. More densely populated places tend to pay slightly more, whereas areas with less congestion have the luxury of lower rates.
The illustration below ranks the highest-priced places in California for drivers with a DUI to buy auto insurance in. San Diego comes in at #19 with an annual premium of $1,368 for car insurance, which is approximately $114 per month.
|Rank||City||Premium Per Year|
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Table data uses approximated as the specific area where the vehicle is garaged can impact price quotes substantially.
Finding dependable, cheap auto insurance is challenging, and figuring out which company has the cheapest auto insurance rates for drivers with a DUI takes additional perseverance. Each insurer has their own process to establish rates, so let’s begin by taking a look at the most affordable auto insurance companies in San Diego, CA.
We do need to point out that California auto insurance rates are impacted by many factors that can increase the policy price. Simply improving your credit score, buying a higher-value vehicle, or getting a few speeding tickets can cause premium changes resulting in some companies being higher-priced than before.
Find the Best Cheap Insurance after a DUI
USAA quotes some of the most affordable car insurance rates in San Diego at around $1,155 each year. Wawanesa, CSAA, Nationwide, and Century National would also make the list of some of the more affordable San Diego, CA insurance companies.
As the rates illustrate above, if you are a customer of Wawanesa and switched to USAA, you could realize yearly savings of in the vicinity of $37. Customers with CSAA could save as much as $43 a year, and Nationwide policyholders might see rate reductions of $71 a year.
Remember that these rates are averaged for all drivers and vehicles and are not factoring in an exact zip code location for drivers with a DUI. So the car insurance company that is best suited for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get quotes using your own driver and vehicle profiles.
Types of discounts on San Diego auto insurance rates
Insurance providers that offer quotes for drivers with a DUI may additionally offer special discounts that could reduce prices by as much as 25% or more if you meet specific criteria. The best auto insurance companies and some of the premium reductions they offer are shown below.
- AAA offers discounts for AAA membership discount, anti-theft, good driver, multi-policy, multi-car, and pay-in-full.
- Progressive offers premium reductions for multi-policy, good student, homeowner, online quote discount, and online signing.
- State Farm has discounts for accident-free, multiple policy, defensive driving training, multiple autos, and student away at school.
- Esurance offers discounts including claim free, defensive driver, anti-lock brakes, good student, online shopper, DriveSense, and emergency road assistance.
- Nationwide discounts include business or organization, easy pay, multi-policy, good student, accident-free, family plan, and anti-theft.
The chart below visualizes the comparison of auto insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no accidents and one traffic ticket, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, marriage, homeowner, vehicle safety, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for drivers with a DUI is 28% or $1,080.
Insurance rate increases from tickets or accidents
The common sense way to receive the cheapest auto insurance prices in San Diego after getting a DUI is to be a careful driver and avoid accidents and traffic citations. The information below illustrates how violations and fender-benders can influence insurance costs for different categories of driver ages. The premiums assume a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data above shows the average cost of car insurance in California per year with no accidents or violations is $1,598. Factor in two speeding tickets and the average cost swells to $2,264, an increase of $666 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for drivers with a DUI goes up to an average of $4,870. That’s an increase of $3,272, or $273 per month, just for not driving safely!
Comparison of full coverage and liability-only policies
Saving money when shopping for auto insurance is probably important to most drivers, and one of the fastest ways to buy cheap insurance for drivers with a DUI is to buy only liability coverage. The example below illustrates the comparison of insurance costs when comparing full coverage to liability only. The premiums are based on no violations or claims, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
If all age groups are averaged, full coverage costs an additional $2,467 per year more than carrying just liability coverage. That brings up the question if physical damage coverage is worth the money. There is no set rule for eliminating comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after the deductible is paid. If it’s costing in excess of $500 a year for full coverage, then you might want to think about dropping full coverage.
How to find more affordable car insurance for drivers with a DUI
The list below details a few thrifty suggestions that can help drivers locate low-cost coverage.
- Be a safe driver
- Buying home and auto together can help save money
- Higher physical damage deductibles lower rates
- Pay lower rates with good credit
- Earn discounts for being claim-free
- Avoid accidents
- Compare rates and switch if you can find a better deal
That last tip is highly necessary, as was affirmed in the prior information. Insurance rates vary considerably, so don’t hesitate to change to a new company if a lower price can be found.
Having a favorite company is fine, but is isn’t recommended if it’s costing you lots of money. It takes less than five minutes to compare rates and find cheaper auto insurance for drivers with a DUI in San Diego.
If you have coverage questions and would like to get some guidance when comparing insurance rates after getting a DUI, the insurance agencies listed below can help you make a decision which auto insurance policy would work best for you. To find a San Diego insurance agent near you, click the button following the list or click here to get price quotes now.
Duane Werner – State Farm Insurance Agent
6663 El Cajon Blvd j – San Diego, CA 92115 – (619) 668-5414
Lisa Keith – State Farm Insurance Agent
1635 Rosecrans St b – San Diego, CA 92106 – (619) 694-4788
Farmers Insurance: James Calafata
4325 Cass St – San Diego, CA 92109 – (858) 483-7171
San Diego Insurance
4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695