Getting a Document Read in English
If a document you are relying on is not in English, at some point somebody has to render it in English. Doing that well is cheap. Doing it badly creates a name spelling you will be correcting for years.
When you actually need one
Less often than people assume. A foreign passport is a standardized document that officials read routinely, and passports carry a machine-readable zone in Roman characters. The documents that usually need translating are the unstandardized ones: a birth certificate, a marriage certificate, a school record, a court order.
Before you pay for anything, ask the office you are dealing with whether they need a translation of that specific document. The answer is sometimes no.
What makes a translation acceptable
Requirements differ by agency, so confirm with the one you are submitting to. What is generally expected is a complete and accurate translation, with a signed statement from the translator attesting that they are competent to translate and that the translation is accurate. Some agencies require a certified translator; some accept any competent adult who is not the applicant.
Complete matters. Translating the parts you think are relevant and skipping seals, stamps and marginal notes produces a document that looks like it is hiding something. Everything on the page gets rendered, including "official seal, illegible".
Do not translate your own documents, and do not have an immediate family member do it. Even where it is technically permitted, it invites a question you do not need.
The name decision
This is the part worth slowing down for. When your name is transliterated from another script, or when a translator decides how to handle two surnames or an accent, they are effectively choosing the spelling that will appear on your California license, then your insurance policy, then your vehicle title.
Decide the spelling deliberately, before the translation is produced, and use that spelling everywhere afterward. If you already hold documents in English — a US visa, an existing passport page, an ITIN letter — match those rather than inventing a new variant. See the page on mismatches for what happens when you do not.
What it should cost, roughly
Translation is priced per page or per document, and a birth certificate is one short page. It is a modest expense compared with the DMV trip it protects, and it is not where you want to economize. What does inflate the bill is a service bundling in courier fees, notarization you were not told you needed, or a rush tier for a deadline you could have avoided by starting earlier.
Ask for the price of the translation and the certification separately, and ask whether the certification statement is included. Get the quote in writing before handing over documents.
Keep the originals together
An accepted translation is only useful alongside the document it translates. Staple, scan and store them as a pair. You will be asked for them again — at a renewal, at a registration counter, at a bank — and reassembling the set years later is the tedious version of this task.
Insurance rarely enters into it
An auto insurance application does not want your birth certificate. It wants a driver's license number, your name and date of birth as printed on that license, the vehicle, the garaging address, and your annual mileage. The translation matters to insurance only through the license: whatever spelling ends up on the card is the spelling the policy has to carry.
So the sequence is: translate carefully, license correctly, then insure to match.
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Does the DMV require certified translations?
Requirements vary by document and change over time. Ask the DMV what it needs for the specific document you are submitting before paying a translator, since some documents do not need translating at all.
Can I translate my own documents?
Do not. Even where it is permitted, a translation certified by a disinterested competent translator avoids a question you have no reason to invite.
What if the translation spells my name differently than my other documents?
Fix it before submitting. The spelling that reaches your license is the spelling your insurance policy, registration and title all have to match, and correcting it later means correcting several records instead of one.