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Cheap DUI Car Insurance in Washington (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Washington (2022)

For drivers with a DUI or DWI offense in Washington, 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 Washington. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Washington.

DUI Car Insurance Costs in Washington

In Washington, a DUI or DWI offense will on average have drivers paying $444 per month and $5,328 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 87% 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
$238
Avg. Monthly Cost - After DUI
$444
$206 ▴
86.55% ▴
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 Washington?

Freedom, family, finances—when do the DUI costs stop? In the Evergreen State, it's no surprise that the insurance bill also heads in the upward direction. Let's see how much.

First, the state average is $248, and drivers with a clean record pay less, at $238. One drink makes a stark difference because a DUI conviction kicks the price up 87percent to $444. That's an added $206 per month, or over $2,400 per year. Considering the cash, smart decisions include an Uber, a taxi, or even paying someone to play designated driver.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$238$44486.55%

What Are the Average Car Insurance Prices After a DUI in Washington?

Each person gets a unique policy and price based on their driver profile, vehicle, and location. With that in mind, the average rate DUI drivers pay to stay legal on the road is $444. It's that number that makes Washington 13th for most expensive DUI car insurance in the nation.

Save money by reducing your coverage to the state minimum. If you have an older car, you may also think about opting for liability only and dropping comprehensive and collision coverage to lower your premium.

Washington After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$44413rd

How Long Is the Lookback Period for a DUI in Washington?

For Washingtonians, the lookback period is seven years. This is comparatively lenient because many states go back 10 years. A second DUI within seven years would mean prosecutors could charge you as a repeat offender. Fortunately, insurance companies stop at just three years, although some go as high as five.

How can you lower your insurance price while you wait? There are three methods to help, regardless of your number of DUIs. You'll want to compare quotes and coverages, avoid tickets and accidents, and shop around every six months for the best deal.

Washington DUI Penalties

In Washington, the severity of punishment goes up based on the number of DUIs, BAC, and whether children under age 16 were passengers in your vehicle. First offenders face a fine between $350 and $5,000, jail time of up to 364 days, a license suspension of 90 days to one year, and an ignition interlock device requirement for the suspension duration.
For drivers younger than 21 years old, a BAC of .02 or higher qualifies as a DUI. Penalties include jail time of 24 hours, a minimum fine of $941, possible probation, and a minimum license suspension of 180 days.

Top Auto Insurance Companies

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. See All Auto Insurance Companies

FAQs - Washington 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 Washington. Insurify analyzed the latest data for the five most populous cities in Washington 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 Washington 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.

Courtney Roy
Courtney Roy

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.

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