Answer: at least 3 years (36 months). This is standard across all insurance companies in California.
DUIs: 10 years.
License Suspension (including for “Failure to Appear”): 5 years, depending on the insurance company. Insurance companies have some flexibility on what they can decide to charge for, so some insurance companies may be more lenient than others on suspended licenses, if the suspension is due to a technicality.
At-Fault Accidents: 3 years, if the damage caused by the accident exceeds $750 (some companies $1,000) or if the accident resulted in bodily injury or death.
Exceptions: Non-Chargeable Violations include:
- Most parking violations.
- Bicycle or Moped violations
- Emission Control (Smog) Violations.
Type of Violations, by the severity of the surcharge:
- Failure to yield
- Driving on the shoulder
- Defective equipment
- Red light / stoplight violation / stopsign
- Reckless driving
- Refusal to test
- Drag racing
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