The words “cheap” and “insurance” really should not be used together, especially when you are searching for the best coverage prices for drivers with a DUI. Let’s get started by showing you a few of the factors that have a considerable impact on auto insurance premiums, and see how we can help you take the sting out of your next policy.
Finding out which company quotes the best insurance rates for drivers with a DUI takes more work than just comparing a company or two.
Every car insurance company has their own process for setting prices, so to begin we’ll rank the most affordable insurance companies in California. It’s important that you understand Long Beach insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Improving your credit rating, filing a claim, or getting a ticket for careless driving can trigger price changes that can make some companies much cheaper than others.
Lowest Insurance Price Quotes after a DUI
USAA offers some of the cheapest car insurance rates in Long Beach at around $1,121 annually. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the lowest-priced Long Beach, CA auto insurance companies.
As the rates illustrate above, if you currently have a policy with CSAA and switched to USAA, you could see savings of upwards of $77. California drivers with Century National may save as much as $105 a year, and Nationwide policyholders might see rate reductions of $129 a year.
To find out how much you can save, click here or click through to the companies below.
These premiums are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific location for drivers with a DUI. So the company that can offer you the best price may not even be in the top 24 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.
One of the more important things that are looked at to determine the amount you pay for auto insurance is your zip code. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas less populated areas have the gratification of cheaper auto insurance rates.
The table below lists the most expensive cities in California for drivers with a DUI to buy auto insurance in. Long Beach is ranked at #8 with an annual cost of $1,578 for coverage, which is about $132 monthly.
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Annual rates are approximated as the specific Long Beach residence address can influence coverage prices considerably.
The make and model of vehicle to be insured is one of the biggest factors when shopping around for low-cost coverage for drivers with a DUI. Vehicles with more horsepower, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than safer models. The next table presents car insurance prices for a selection of the most economical vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford F-150 STX Super Cab 2WD||$1,747|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,782|
|Honda CR-V EX-L 2WD||$1,787|
|Honda Odyssey EX W/Rear Entertainment||$1,852|
|Ford Escape Limited 4WD||$1,861|
|Ford Focus SE 4-Dr Sedan||$1,852|
|Honda Accord EX-L 4-Dr Sedan||$1,885|
|Ford Explorer XLT AWD||$1,899|
|Chevrolet Malibu LT||$1,921|
|Dodge Grand Caravan SE||$1,954|
|Toyota Camry XLE||$1,992|
|Toyota Corolla LE||$1,999|
|Volkswagen Jetta SE 2.5 Station Wagon||$2,002|
|Toyota RAV4 Limited 4WD||$2,014|
|Toyota Tacoma Double Cab 4WD||$2,021|
|Chevrolet Equinox LT 2WD||$2,014|
|Ford Fusion S 4-Dr Sedan||$2,056|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$2,061|
|Honda Civic LX-S 4-Dr Sedan||$2,116|
|Ford Edge Sport AWD||$2,126|
|Nissan Altima 2.5 S 4-Dr Sedan||$2,133|
|Kia Optima EX||$2,157|
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Premium data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific zip code location which can modify auto insurance rates considerably.
Based upon the rates shown, makes and models like the Ford F-150, Jeep Wrangler, Honda CR-V, Honda Odyssey, and Ford Escape are most likely to be a few of the cheapest vehicles to insure after getting a DUI. The price for car insurance will tend to be more expensive anyway because there is a higher risk for drivers with a DUI, but in general those specific models will have the lowest insurance prices compared to all other vehicles.
The chart below highlights how deductible choice can impact insurance costs when researching cheap insurance for drivers with a DUI. The premiums assume a married male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could cut expenses by $342 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $516 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut $1,026 or even more by choosing a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How careless driving impacts Long Beach insurance rates
The best way to receive affordable insurance prices after getting a DUI is to drive cautiously and avoid at-fault accidents and violations. The diagram below demonstrates how citations and accidents drive up insurance rates for each age group. The data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of car insurance in California per year with no accidents or violations is $1,418. Receive one speeding ticket and the average cost surges to $1,657, an increase of $239 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for drivers with a DUI jumps again to an average of $3,897. That’s an increase of $2,480, or $207 per month, just for not driving attentively!
Should you buy full coverage?
Buying cheaper insurance should be important to the majority of people, and a good way to find cheaper insurance for drivers with a DUI is to buy only liability coverage. The information below shows the difference between premium costs with and without full coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
Averaged out for all age groups, full coverage on your policy costs an extra $2,812 per year more than just buying liability only. That amount may make you wonder if buying full coverage is worth the expense. There is no definitive guideline for eliminating physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement value is $12,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $11,000 after paying your deductible. If premium cost is more than $1,100 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some scenarios where dropping full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
How to find cheaper insurance for drivers with a DUI
The list below details some thrifty ideas that can help California drivers quote cheaper coverage.
- Remove physical damage coverage on older vehicles
- At-fault accidents can raise rates significantly
- Do not get traffic citations
- Buy vehicles with good safety ratings
- Frequent claims may make car insurance unaffordable
- Buying your home and auto policies from the same company can earn a discount
- Compare rates regularly to ensure the best deal
That last tip is particularly vital, as was affirmed in the prior article. Coverage prices fluctuate constantly, so don’t be hesitant to change insurance companies if a cheaper price is available. Brand loyalty is not necessarily bad, but we do not recommend it if your bullheadedness ends up costing you big bucks every year. In less than five minutes you could shop around to find cheaper auto insurance for drivers with a DUI in Long Beach.
The professional agents shown below can probably help you decide which insurance coverage you need, since many people would rather have a professional recommendation when shopping around for cheaper insurance for drivers with a DUI. It can be difficult to find the best coverage on your own, so using a licensed agent can provide satisfaction knowing your policy gives you enough coverage if you have a claim.
To find a Long Beach insurance agent using an interactive map, click the button following the list.
- State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494
- Joe Lopez Jr – State Farm Insurance Agent
5199 Pacific Coast Hwy Ste 616 – Long Beach, CA 90804 – (562) 597-5547
- April Showers – State Farm Insurance Agent
537 W Willow St – Long Beach, CA 90806 – (562) 612-4949