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Cheap DUI Car Insurance in Virginia (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 Virginia (2022)
For drivers with a DUI or DWI offense in Virginia, 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 Virginia. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Virginia.
| Carrier | Avg. Monthly Cost |
|---|---|
| Nationwide | $128 |
| Travelers | $136 |
| National General | $148 |
| Elephant.com | $153 |
| GAINSCO | $155 |
| Safeco Insurance | $157 |
| Liberty Mutual | $174 |
| SafeAuto | $178 |
| Metropolitan Property and Casualty Insurance Company | $181 |
| Direct Auto | $184 |
DUI Car Insurance Costs in Virginia
In Virginia, a DUI or DWI offense will on average have drivers paying $427 per month and $5,124 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 125% 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$427
$237 ▴
124.74% ▴
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 Virginia?
Most people guess rightly that a DUI adds stress to almost every part of life. How does that increased pressure trickle over to your insurance bill?
The state average is $207, and those with a clean driving record beat that with a monthly premium of $190. But that rate goes out the window when a person drives intoxicated. A drunk driving conviction pumps the cost up by 125 percent to $427. That's an added $237 month, or over $2,800 per year. All that looks like over 2,000 reasons to bring the party to you.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $190 | $427 | 124.74% |
What Are the Average Car Insurance Prices After a DUI in Virginia?
No two policies are the same because no two drivers are the same. That said, for Virginians, the going average price for DUI drivers amounts to $427. That number means the state ranks 18th for most expensive DUI car insurance in the country.
You can find further savings by dropping comprehensive and collision coverage on an older vehicle and opting for liability only. Also, reducing your coverage to the state minimum might be another way to find an affordable rate.
| Virginia After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $427 | 18th |
How Long Is the Lookback Period for a DUI in Virginia?
Virginia's lookback period is 10 years. That means if you got a second DUI within that time frame, prosecutors could charge you as a repeat offender. Fortunately, most insurance companies limit their search to the past three years, although some go as far back as five.
Does that mean there's nothing you can do for the next three years to lower your price? No! You can take at least three steps to find the lowest rate available. First, you can compare quotes and coverages; second, you can drive safely to avoid tickets and accidents; and third, every six months, shop around for the best deal out there.
Virginia DUI Penalties
In Virginia, as you might guess, the level of punishment increases as the number of DUIs goes up. For a first offense, those convicted face jail time of up to 12 months, a fine between $250 and $2,500, a license suspension of one year, and an ignition interlock device requirement of six months. Refusing a test gets an automatic one-year license suspension.
Drivers under age 21 who have BAC of .02 or higher violate the law. They face a license suspension of one year and a fine between $500 and $2,500 or community service for 50 hours. Regardless of age, the Virginia Alcohol Safety Action Program could reduce the severity of your penalty.
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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. See All Auto Insurance Companies
FAQs - Virginia 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 Virginia. Insurify analyzed the latest data for the five most populous cities in Virginia 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 Virginia 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.