PLCaliforniahard
A California applicant for auto insurance was first licensed in Nevada in March 2022 and moved to California in February 2026 keeping continuous licensure. Her MVR shows one 1-point speeding ticket from August 2024 and a Veh. Code § 23152 DUI conviction from January 2015 (no other convictions). On May 1, 2026, does she qualify for the Good Driver Discount under Cal. Ins. Code § 1861.02?
ANo — she fails the eligibility test because she has not personally held a California-issued driver license for the full three-year period that the Good Driver statute requires
BNo — the January 2015 conviction under Veh. Code § 23152 is a permanent, lifetime disqualifier that bars Good Driver eligibility no matter how much time has elapsed
CNo — any conviction for driving under the influence within the preceding 15 years operates to disqualify an applicant from the Good Driver Discount regardless of point count
Yes — she has been licensed for more than three years (Nevada licensure counts), has only one point, and the DUI is more than 10 years before the policy effective date
Why this is the answer
Section 1861.02(c) defines 'licensed to drive' to include licensure in another U.S. state, the District of Columbia, or Canada, so the applicant's March 2022 Nevada license starts the clock. By May 2026, she has 50+ months of continuous licensure — more than three years. Her single one-point speeding ticket is within the 'not more than one point' allowance under Veh. Code § 12810. The January 2015 DUI is just over eleven years before the May 1, 2026 effective date — outside the 10-year lookback. Option (a) misapplies the residency rule, (b) ignores the 10-year window, and (d) invents a 15-year window.
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