Getting Car Insurance After a DUI in the District of Columbia: Everything You Need To Know

If you get a DUI, it’s possible your insurer will not renew your auto insurance policy — or your rates could increase significantly. For a full coverage policy in the District of Columbia, drivers with a clean record pay an average of $1,126 per year, while car insurance for DUI offenders in the District of Columbia costs around $1,705 annually.

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Last Updated: 11/3/2022
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In the District of Columbia, the two cheapest auto insurance companies for individuals charged with driving under the influence (DUI) are Erie and State Farm, whether purchasing full or minimum coverage. But, GEICO is the best company overall, per MoneyGeek’s scoring system.

iconribbonBestAuto InsuranceAfter a DUI2022

Car insurance companies have the legal right to refuse to insure drivers with a DUI on their record. But if they continue your auto insurance policy after a DUI in the District of Columbia, expect your auto insurance rate to increase. In the District of Columbia, on average, drivers with a DUI pay 51% more annually for a full coverage policy than before the violation.

Premiums become more expensive because DUI offenders are considered high-risk drivers, increasing the possibility of them having a claim. You can also expect, after a DUI conviction in the District of Columbia, to have an ignition interlock device on your vehicle.

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Cheapest Car Insurance Companies in DC After a DUI

The cheapest car insurance companies after a DUI conviction nationally are Progressive and State Farm. But MoneyGeek’s research found Erie and State Farm offer the cheapest car insurance after a DUI in the District of Columbia.

Cheapest Companies for Full Coverage in DC After a DUI

MoneyGeek found the following companies offer the most affordable full coverage car insurance for DUI offenders in the District of Columbia:

  • Erie: $1,227 per year on average
  • State Farm: $1,270 per year on average

At an average cost of $1,334 annually, USAA is also an affordable option for DUI offenders with a military background.

Cheapest Car Insurance for Full Coverage After a DUI

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  • Rank
    Company
    Annual Premium
  • 1
    Erie
    $1,227
  • 2
    State Farm
    $1,270
  • 3
    USAA
    $1,334
  • 4
    GEICO
    $1,388
  • 5
    Progressive
    $1,694

Cheapest Companies for Minimum Coverage in DC After a DUI

Based on MoneyGeek’s research, on average, the cheapest minimum coverage car insurance after a DUI in the District of Columbia is with the following companies:

  • Erie: $643 per year
  • State Farm: $703 per year

At around $715 per year, a USAA minimum coverage car insurance policy is also an affordable choice for DUI offenders with a military background.

Cheapest Car Insurance for Minimum Coverage After a DUI

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The cheapest, lowest-limits auto insurance policy may not be the best choice for everyone. While the District of Columbia has minimum car insurance requirements, the car insurance coverage you need depends on your specific situation and desired protection.

Top Car Insurance Companies in the District of Columbia After a DUI

MoneyGeek ranked auto insurance companies in the District of Columbia based on customer satisfaction, affordability and financial stability to find the absolute best. Overall, the best car insurance company in the District of Columbia after a DUI conviction for full or minimum coverage is GEICO.

Best Companies for Full Coverage in DC After a DUI

GEICO and State Farm are the best auto insurance companies offering a full coverage policy with a DUI violation in the District of Columbia. Learn more about each company in the following table.


1
GEICOBest full coverage after a DUI
Score:4.4

4.6/5

Affordability

5/5

Financial Stability

4.5/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

A GEICO full coverage policy for drivers with a clean record costs roughly $606 per year. Meanwhile, people with a DUI pay about $1,388 annually, around a 129% increase.

More About GEICO

GEICO is a top-rated insurer. It offers low-priced premiums for every kind of driver, including DUI offenders. But, its complaint score is average.

2
State Farm
Score:4.4

4.9/5

Affordability

5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

With State Farm, a driver with no violations pays around $1,161 a year for full coverage. However, DUI offender rates increase by roughly 9.40%, making the policy cost around $1,270 per year.

More About State Farm

State Farm is a great insurer overall. It offers affordable rates for the average driver. However, State Farm doesn't offer accident forgiveness add-on coverage or gap insurance.

Best Companies for Minimum Coverage in DC After a DUI

For the District of Columbia’s minimum car insurance coverage requirement, the best companies are GEICO and State Farm. But, while minimum coverage is the lowest-priced auto policy you can get, it may not provide enough protection.


1
GEICOBest full coverage after a DUI
Score:4

4/5

Affordability

5/5

Financial Stability

5/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

Drivers without a DUI pay around $352 per year for a GEICO minimum coverage policy. People convicted of a DUI, though, pay roughly $795 annually, which is about 129% more expensive.

More About GEICO

GEICO offers many discounts and has excellent affordability ratings. However, it doesn’t offer add-on coverage for better car replacement or new car replacement.

2
State Farm
Score:4

5/5

Affordability

5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

A minimum coverage policy with State Farm costs around $644 per year for drivers with a clean record. Meanwhile, DUI offenders pay around $703 per year, roughly 9% more.

More About State Farm

State Farm offers an airbag and multiple vehicle discount and add-on rideshare insurance. Although it doesn’t have unique add-on coverages, it is a good option for people who bundle insurance policies because of its large discount.

How Much Does Car Insurance Cost in DC After a DUI?

A full coverage policy without a DUI conviction costs an average of $1,126 per year in the District of Columbia. For the same coverage, after a DUI in the District of Columbia, drivers pay an average of $1,705 annually or about 51% more. MoneyGeek compares car insurance rates before and after a DUI in the District of Columbia below.

How long does a DUI affect the cost of your car insurance?

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Average Cost

Full Coverage

$1,126
insurance2
Average Cost with DUI

Full Coverage

$1,705
Full coverage policy premiums after a DUI cost::$579 more

This is 51% more expensive.

Your District of Columbia car insurance premium after a DUI is more expensive because insurance companies consider you a high-risk driver that may file a claim in the future. But, you can still find an insurance company offering an affordable rate for car insurance. To get personalized estimates, use MoneyGeek’s auto insurance calculator below.

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With a DUI, you pay for DUI-related costs in addition to a more expensive auto insurance premium.

  • Fines, court and attorney fees: Usually, DUI convictions result in various fines and court fees. You also need to pay for an attorney.
  • Towing/impound fee: When your car is towed or impounded after an arrest, you need to pay a fee to reclaim it.
  • Drug education and treatment: There’s generally a requirement for DUI offenders to undergo an alcohol and drug education program.
  • DMV reinstatement fee: The District of Columbia Department of Motor Vehicles may suspend your license after a DUI. To regain driving privileges, you need to pay a fee.
  • Damages: If you caused an accident while driving under the influence, you might need to pay for medical bills and property damage.

Getting Car Insurance in the District of Columbia After a DUI

Auto insurance companies, as private businesses, can legally decline to renew the policies of people with a DUI conviction in the District of Columbia or elsewhere. Insurers can also cancel your existing policy. Getting car insurance after a DUI in the District of Columbia can be challenging, especially with the 15-year look-back period.

Fortunately, you can still compare quotes and find insurance providers that offer car insurance even after a DUI conviction and get a policy that suits your needs and budget.

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In the District of Columbia, those with a DUI conviction must complete an SR-22 insurance form. Insurance providers send it to the DMV on your behalf, verifying that you have the minimum coverage required. Because a driver is considered high-risk after a DUI, they pay more for insurance, as the SR-22 can void discounts and has its own associated fees.

District of Columbia DUI Laws

There are severe legal repercussions if you drive under the influence of alcohol or drugs. In the District of Columbia, first-time DUI offenders can face jail time of up to 180 days and fines of up to $1,000. Below, MoneyGeek lists several DUI laws in the District of Columbia.

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    Driving With a BAC at or Above 0.08% Is Considered a DUI

    Blood alcohol concentration (BAC) is the amount of alcohol in your bloodstream. The DUI BAC threshold in the District of Columbia is 0.08%. However, you can still be arrested with a lower BAC if it appears you can’t drive well.

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    Driving With a BAC of 0.20% Will Result in Increased Penalties

    DUI offenders can face jail time in the District of Columbia, depending on their BAC level and the number of repeat offenses.

    Jail time for a first offense:

    • If BAC ≥ 0.20% but < 0.25%: 10 days
    • If BAC ≥ 0.25% but < 0.30%: 15 days
    • If BAC ≥ 0.30%: 20 days

    Jail time for a second offense (within 15 years):

    • If BAC ≥ 0.20% but < 0.25%: 15 days
    • If BAC ≥ 0.25% but < 0.30%: 20 days
    • If BAC ≥ 0.30%: 25 days

    Jail time for third and subsequent offenses (within 15 years):

    • If BAC ≥ 0.20% but < 0.25%: 20 days
    • If BAC ≥ 0.25% but < 0.30%: 25 days
    • If BAC ≥ 0.30%: 30 days
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    Administrative License Suspension on the First Offense

    In the District of Columbia, you can receive an administrative license suspension from an officer for a duration of two to 90 days or until your deposition.

  • This is an icon

    Mandatory Ignition Interlock Device (IID)

    District of Columbia law requires drivers convicted of a DUI to have a mandatory ignition interlock device (IID) for a certain period of time:

    • Six months for a first offense
    • One year for a second offense
    • Two years for a third offense
  • This is an icon

    Open Container Laws

    The District of Columbia prohibits any person, meaning the driver and passengers, from consuming or possessing an alcoholic beverage if its seal is broken or contents removed.

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Frequently Asked Questions

MoneyGeek answers commonly asked questions about acquiring car insurance after a DUI in the District of Columbia and other DUI-related information.

Methodology

To determine the top companies for individuals with DUIs in the District of Columbia, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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