Best Auto Insurance After a DUI in California (Top 10 Companies in 2026)

The top companies that stand out for the best auto insurance after a DUI in California are USAA, Safeco, and Travelers.

The best auto insurance companies for DUI drivers in California offer discount savings and complete protection plans to DUI customers.

Our Top 10 Company Picks: Best Auto Insurance in California After a DUI

Our guide goes over all the pros and cons of these companies so you can choose a California company that’s perfect for your individual needs. You can also enter your ZIP in our free quote comparison tool to find the cheapest California auto insurance after a DUI.

#1 – USAA: Top Overall Pick

Pros

• Military Savings: Military and veterans in California will find some of the best deals at USAA. Find out more in our USAA auto insurance review.
• Customer Satisfaction: USAA has one of the highest ratings for overall satisfaction in California with services and claims for DUI drivers.
• California Discount Opportunities: DUI drivers can work to lower their rates by participating in good driver programs, bundling their policies, and more.

Cons

• Membership Restrictions: USAA only sells to California DUI residents who are military or veterans.
• California Coverage Options: USAA doesn’t offer as many add-ons as other major California DUI insurance companies, although it has a good list of basics.

#2 – Safeco: Best for Online Tools

Pros

• Online Tools: Safeco has an online app, and Californian DUI customers can also use the company’s website.
• Claims-Free Cash Back: California DUI auto insurance customers get cash back for not filing claims and driving safely.
• Customizable Coverages: California DUI policies can be adjusted with different coverages and deductibles.

Cons

• Customer Satisfaction in California: Safeco may not be the best for DUI customers as it has low overall ratings, which you can learn about in our Safeco review.
• California Agent Quotes: You can’t complete a DUI insurance quote online, as you will be directed to an agent to finish an online quote.

#3 – Travelers: Best for Filing Claims

Pros

• Filing Claims: Travelers has a straightforward claims filing process for Californian DUI customers.
• Financial Stability: An A++ rating from A.M. Best helps Travelers stand out from other Californian DUI companies.
• California DUI Coverage Options: Lease insurance for cars and more is available from Travelers. For a complete list, read our Travelers review.

Cons

• IntelliDrive Discount Not in California: DUI drivers in California can’t join the discount program.
• Customer Service: The service from California representatives for DUI customers is considered average or below average in most customer reviews.

#4 – State Farm: Best for Local Agents

Pros

• Local Agents: DUI drivers can work directly with a California agent. Read more in our review of State Farm.
• California Coverage Options: State Farm DUI customers can pay extra for coverages like roadside assistance.
• Discount Opportunities: DUI customers in California can work to lower rates with some of State Farm’s discount opportunities.

Cons

• Fewer Online Tools: State Farm has fewer online customer management insurance tools for California DUI drivers.
• Financial Rating: State Farm isn’t as financially strong as other California DUI auto insurance companies.

#5 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive has competitive auto insurance rates for DUI drivers in California.
• Online Tools: Progressive has useful budgeting and online management tools for California DUI customers.
• California DUI Coverage options: Lease payoff insurance and more are sold by Progressive. Read our Progressive review for a full list.

Cons

• Snapshot Not Available in California: DUI drivers can’t try to get a discount with Snapshot in California.
• California DUI Customer Ratings: Ratings for Progressive aren’t as good as those of other companies like USAA.

#6 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Nationwide forgives some California DUI drivers for their first accident.
• Pay-Per-Mile Insurance: SmartMiles by Nationwide is available in California for low-mileage DUI drivers.
• California Bundling Discount: DUI drivers can bring rates down by purchasing home or renters insurance with their auto insurance.

Cons

• Local Agent Availability: Some California DUI customers may have trouble finding a local agent.
• California DUI Customer Satisfaction: Ratings are average or worse from most customers, which you can learn about in our Nationwide review.

#7 – Amica: Best for Customer Service

Pros

• Customer Service: Amica has great satisfaction ratings from California DUI customers, which you can check out in our Amica review.
• Add-On Coverages: Amica sells extras like full glass coverage to California DUI drivers.
• California Discount Opportunities: DUI drivers can earn small discounts for doing simple things like going paperless.

Cons

• Young Driver Rates: Amica is less affordable for young California drivers with a DUI.
• No Rideshare Insurance: DUI drivers won’t be able to buy rideshare insurance in California.

#8 – Farmers: Best for First-Responders

Pros

• First-Responder Discount: First responders in California will get a discount on DUI auto insurance rates.
• Local Agents: California drivers with a DUI can get personalized assistance from an agent. Learn more in our Farmers review.
• Coverage Options: DUI customers can add on extras like California roadside assistance.

Cons

• Accident Forgiveness: California DUI customers will have to pay extra to add accident forgiveness to their policy.
• Signal Discount Not in California: DUI drivers can’t participate in the Signal program, as it’s unavailable in California.

#9 – Allstate: Best for Add-On Coverages

Pros

• Add-On Coverages: California DUI customers can purchase extras like gap or roadside assistance. Read our Allstate review to learn what else is offered.
• Online Tools: Allstate’s app lets California DUI customers file claims, pay bills, and more.
• California Discount Options: DUI drivers can save small amounts for doing things as simple as joining auto-pay or going paperless.

Cons

• Milewise Not in California: Allstate’s mileage-based insurance isn’t sold in California, which will reduce saving opportunities for DUI drivers.
• Drivewise Not in California: Allstate’s discount program is also not available in California, reducing saving opportunities for DUI drivers.

#10 – The General: Best for High-Risk Coverage

Pros

• High-Risk Coverage: The General specializes in high-risk coverage for California DUI drivers, which you can read more about in our review of The General.
• California SR-22 Filing: The General will file SR-22 insurance forms for its high-risk DUI customers.
• Mobile App: The General’s app is intended to make policy management for California DUI customers easier.

Cons

• California Coverage Options: The General doesn’t sell as many add-on coverages as other DUI California companies.
• Higher California Rates: The General is one of the pricier companies for DUI customers in California.

Compare Rates From the Best DUI California Companies

Drivers with one DUI will have more affordable rates than multiple DUI offenders, making it easier to get cheap insurance from the best California companies.  The table below shows average rates for a DUI offender at the top companies.

California DUI Auto Insurance Monthly Rates by Coverage Level & Provider

While drivers can still get cheap auto insurance after a DUI, rates won’t be as cheap as if drivers had a clean driving record. Rates will be even more expensive if drivers are required to buy high-risk insurance.

Minimum coverage will be the cheapest option for DUI drivers in California, although it doesn’t offer much financial protection in an accident.

How to Save on California DUI Insurance

Drivers looking to lower their rates at the best California DUI companies can start by applying for discounts. The top companies on our list offer plenty of discounts to help DUI customers save.

Multi-policy discounts are one of the best ways for DUI drivers to save on their car insurance policies in California, and they offer the convenience of keeping insurance policies at one provider.

DUI drivers in California can also adjust their auto insurance deductibles or shop around for auto insurance quotes to get a lower rate on DUI insurance.

Because companies consider DUI drivers high-risk, DUI drivers in California will pay more for car insurance than drivers without a DUI.

Finding The Best California Auto Insurance Company After a DUI

USAA, Safeco, and Travelers are the best California auto insurance companies after a DUI, with full coverage options and auto insurance discounts.

High-risk drivers also have plenty of other great options on our list, and we recommend shopping around to find the company that is the best fit for your budget and insurance needs.

Ready to get quotes for DUI auto insurance in California? Use our free tool to find the best insurance in California after a DUI today.