Cheap DUI Car Insurance in Pennsylvania:
Costs and Quotes (2021)
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- Car Insurance in Pennsylvania
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Best DUI Insurance Companies in Pennsylvania (2021)
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 | |
|---|---|
 Travelers | $101/mo |
 Safeco Insurance | $110/mo |
 Verti | $124/mo |
 Liberty Mutual | $134/mo |
 Plymouth Rock | $145/mo |
 American Family Insurance | $159/mo |
 Bristol West | $176/mo |
 Dairyland Insurance | $184/mo |
 Good2Go Auto Insurance | $187/mo |
 SafeAuto | $246/mo |
What’s in the Pennsylvania DUI Car Insurance Guide?
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.
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.
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.
| 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.
| 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.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
