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Cheap DUI Car Insurance in Pennsylvania (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Pennsylvania (2022)
For drivers with a DUI or DWI offense in Pennsylvania, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Pennsylvania. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Pennsylvania.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $101 |
| Safeco Insurance | $110 |
| Verti | $124 |
| Liberty Mutual | $134 |
| Plymouth Rock | $145 |
| American Family Insurance | $159 |
| Bristol West | $176 |
| Dairyland Insurance | $184 |
| Good2Go Auto Insurance | $187 |
| SafeAuto | $246 |
DUI Car Insurance Costs in Pennsylvania
In Pennsylvania, a DUI or DWI offense will on average have drivers paying $373 per month and $4,476 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 96% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Avg. Monthly Cost - No Violation$190
Avg. Monthly Cost - After DUI$373
$183 ▴
96.32% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
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How Much Does a DUI Impact Car Insurance Rates in Pennsylvania?
When you get charged with a DUI, the one thing you can guarantee is change. Changes show up at work, school, or even with your closest family. What difference can you expect on your car insurance bill?
If you have a clean record in Pennsylvania, your average monthly payment is $190. But all it takes is to drink one too many and jump behind the wheel, and that amount goes up by 97 percent. At $373, a DUI could leave you paying nearly double. The cost ends up being $183 more per month, translating to over 2,000 reasons a year to find a safer way home.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $190 | $373 | 96.32% |
What Are the Average Car Insurance Prices After a DUI in Pennsylvania?
Of course, your bill will differ based on your specific situation, but Pennsylvanians with one or more DUIs spend an average of $373. That means the state ranks 24th for the most expensive DUI premium in the country. The change won't happen overnight, but safe driving always pays long-term dividends in Pennsylvania.
| Pennsylvania After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $373 | 24th |
How Long Is the Lookback Period for a DUI in Pennsylvania?
The lookback period is the time frame that the state will consider drivers to be repeat offenders for a second DUI. In Pennsylvania, the state sets the limit at 10 years before treating another DUI as a first offense. That said, most insurance companies only look at the past three years when setting premiums, while some go as far back as five.
What to do in the meantime? You'll want to make sure your record stays clean. And to keep your price competitive, track down new quotes every six months when your policy renews with a quote comparison tool like Insurify.
Pennsylvania DUI Penalties
The punishment's severity is decided by whether a test was refused and the driver's BAC. A first-time DUI carries probation or jail time of six months, a fine between $300 and $5,000, and a license suspension of 12 months. Also, a judge may order up to 150 hours of community service, and an ignition interlock device may be required for a year.
Underage DUIs carry all the same penalties, but a driver under 21 is guilty of DUI with a BAC of .02 or higher. Regardless of age, the Accelerated Rehabilitative Disposition program could help first-time offenders keep DUIs off their records.
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FAQs - Pennsylvania Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Pennsylvania. Insurify analyzed the latest data for the five most populous cities in Pennsylvania to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Pennsylvania and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.