Cheap DUI Car Insurance in Virginia:
Costs and Quotes (2021)
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Best DUI Insurance Companies in Virginia (2021)
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 | |
|---|---|
 Nationwide | $128/mo |
 Travelers | $136/mo |
 National General | $148/mo |
 Elephant.com | $153/mo |
 GAINSCO | $155/mo |
 Safeco Insurance | $157/mo |
 Liberty Mutual | $174/mo |
 SafeAuto | $178/mo |
 Metropolitan Property and Casualty Insurance Company | $181/mo |
 Direct Auto | $184/mo |
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.
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 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.
| 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.
| 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.
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.
