Virginia Farm Bureau offers the most affordable car insurance for Virginia drivers with a DUI, at $45 for minimum coverage and $89 for full coverage monthly. Travelers, State Farm and Mercury also provide competitive rates for such drivers.
DUI Car Insurance in Virginia
Updated: December 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Our research reveals that Virginia Farm Bureau offers the most affordable car insurance in Virginia for a DUI at $45 per month.
For most drivers with a good credit score, the average cost is $90 per month for minimum coverage and $160 per month for full coverage.
After a DUI in Virginia, you must file an FR-44 and carry at least $100,000 per person / $200,000 per accident bodily injury and $25,000 property damage liability insurance for three years. You also must carry underinsured/uninsured motorist coverage of $50,000 per person / $100,000 per accident and UM/UIM property damage of $25,000 per accident.
Cheapest DUI Car Insurance in Virginia
| Virginia Farm Bureau | $45 | $89 |
| Travelers | $58 | $114 |
| State Farm | $64 | $137 |
| Mercury | $80 | $138 |
| Auto-Owners Insurance Co | $101 | $166 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Have auto insurance questions?Chat with Charlie now.
Compare Cheap Car Insurance With a DUI in Virginia
Your profile may not match the ones we used for the table above. We've broken down the cheapest car insurance for a DUI for combinations including coverage level, age group and credit.
Data filtered by:
30-59
Good
State Minimum Liability Only
| Virginia Farm Bureau | $45 | $546 |
| Travelers | $58 | $696 |
| State Farm | $64 | $770 |
| Mercury | $80 | $965 |
| Erie | $96 | $1,152 |
*A 50/100/25 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Virginia law for most drivers.
How Much Does DUI Car Insurance Cost in Virginia?
In Virginia, annual DUI car insurance rates cost around $1,081, depending on your driver profile. A DUI increases your rates by as much as 48%. We've outlined the average costs, considering different coverage levels, credit scores and age brackets.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $90 | $1,081 | $29 | $350 | 48% |
*A 50/100/25 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Virginia law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN VIRGINIA?
In Virginia, a DUI remains on your DMV driving record for 11 years, and insurers use that full period to assess your risk. Your rates can remain elevated throughout that time. You'll need to file an FR-44 if convicted of a DUI in Virginia.
Additional Costs to Consider When Having a DUI in Virginia
Car insurance rates increase after a DUI, and the fines and fees alone can add up to thousands of dollars. Here's a complete list of considerations:
- Fines and fees. Virginia law requires drivers to pay fines after a DUI conviction, which range from $250 to $2,500 or more, depending on the offense details and your history.
- Towing/impound fee. Once arrested, police tow or impound your vehicle. You'll pay a fee of $250 to $500 to reclaim your car.
- Drug education and treatment. You may be required to complete a drug and alcohol education program. This costs $25 to $85 in Virginia, depending on your requirements.
- DMV reinstatement fee. You'll pay a fee to the Virginia DMV to reinstate your driving privileges after a license suspension related to your DUI. The standard fee is $145, increasing based on how many times your license has been suspended.
- Attorney fees and damages. If you cause an accident while driving under the influence, you're responsible for damages and medical expenses. You may also pay for an attorney and court fees, which can cost thousands.
Virginia DUI Car Insurance Requirements
After a DUI in Virginia, you're required to file an FR‑44 and carry double the state minimum liability coverage: $50,000 bodily injury per person, $100,000 bodily injury per accident and $25,000 property damage. You'll need underinsured/uninsured motorist coverage of $50,000 per person / $100,000 per accident and UM/UIM property damage of $25,000 per accident. This coverage must remain continuous for three years after license reinstatement.
Other Virginia DUI Laws to Know
Virginia requires more than just FR-44 filings and extra coverage. The state has specific auto insurance rules.
Fines
Virginia imposes monetary penalties for DUI offenses. First-time offenders pay fines ranging from $250 to $2,500. Subsequent offenses result in higher fines. These costs don't include legal fees, increased car insurance premiums or other financial consequences from a DUI conviction.
Imprisonment and release
DUI convictions in Virginia may lead to jail time. A first offense results in up to 12 months in jail, while multiple offenses lead to longer sentences. Offenders may be released on probation or under certain conditions, such as attending a substance abuse program or installing an ignition interlock device.
Impounding of vehicles
When charged with a DUI, authorities may impound your vehicle. The duration of impoundment varies and adds to the cost and consequences of the offense. The impoundment period increases with subsequent DUI offenses, complicating your mobility and daily life.
Suspension periods
A DUI conviction leads to suspension of your driver's license. For a first offense, the suspension period is one year. Repeat offenders get longer suspension periods and sometimes license revocation. This loss of driving privileges can severely affect your ability to commute, work and fulfill personal responsibilities.
DUI education requirements
Virginia DUI laws require participation in alcohol education and treatment programs. These programs, called ASAP (alcohol safety action program), educate offenders on the risks of impaired driving and prevent future offenses. You must complete these programs to reinstate driving privileges.
How to Get the Best Cheap Virginia Car Insurance With a DUI
Here are some tips to help you get the best deal on DUI car insurance in Virginia. We'll also cover what to do if you get denied coverage through traditional means.
- 1Understand your needs
Virginia requires increased coverage after a DUI, so evaluate whether you also need extras like comprehensive or collision. Think about your budget, how often you drive and your vehicle type. Use our auto insurance coverage needs calculator to help you start.
- 2Research costs and discounts
You won't find discounts specific to DUI-related policies, but you can reduce costs by enrolling in programs like autopay, quoting online or bundling policies. Some insurers offer telematics programs that reward safe driving habits with savings of up to 40%.
- 3Compare multiple providers
Don’t settle for the first quote you receive. Use comparison tools, consult independent brokers, or contact insurers directly.
- 4Use state high-risk car insurance programs if denied
If standard insurance companies won’t cover you, Virginia participates in a high-risk pool through the Virginia Automobile Insurance Plan (VAIP). This state-managed program ensures high-risk drivers can obtain the legally required coverage through insurers participating in the plan.
- 5Make lifestyle or vehicle changes
Raising your credit score lowers your premiums. In Virginia, drivers with poor credit and a DUI pay over $1,245 more annually for minimum coverage than those with good credit. Consider switching to a cheaper car to insure or working on financial habits to improve your credit score.
- 6Consider non-traditional coverage types
If you don't drive much, a pay-per-mile insurance policy saves you money. Many companies also offer usage-based insurance that tracks your driving and reduces your premium by up to 40%.
Cheap DUI Insurance in Virginia: Bottom Line
Virginia Farm Bureau, Travelers and State Farm are the most affordable car insurance options in Virginia for drivers with a DUI. These are our findings, but you should compare rates, research costs and determine the necessary coverage to secure the best deal.
DUI Insurance in Virginia: FAQ
Here are MoneyGeek's expert answers to common questions about DUI insurance in Virginia.
Who has the cheapest car insurance for Virginia drivers with a DUI?
Virginia Farm Bureau offers the cheapest car insurance for Virginia drivers with a DUI, regardless of credit score.
How much does a DUI increase rates in Virginia?
In Virginia, a DUI can elevate minimum coverage rates by approximately 48% and full coverage rates by as much as 50%.
How much does DUI car insurance in Virginia cost?
In Virginia, DUI car insurance costs for minimum coverage average from $45 to $101 monthly, while full coverage averages between $89 and $166 monthly.
How we Chose the Cheapest Car Insurance for Virginia's DUI Drivers
Virginia drivers with DUIs need both affordability and reliability after a serious violation. We analyzed insurers serving high-risk Virginia drivers to find companies that balance reasonable rates with financial strength and responsive claims handling.
Our analysis focused on Virginia-specific factors: We evaluated how insurers price FR-44 filings and doubled liability coverage requirements. Virginia's 11-year DUI lookback period affects rates longer than most states, so we examined how companies adjust premiums over time. We also considered which insurers participate in the Virginia Automobile Insurance Plan for drivers denied standard coverage.
Base profile details: Our rates reflect a 40-year-old driver with good credit insuring a 2012 Toyota Camry LE with 12,000 annual miles. We compared quotes with and without a DUI to show the rate impact. We modified this base profile by adjusting age, credit score and coverage level to capture how different Virginia drivers experience DUI surcharges across demographics.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Virginia Law. "Code of Virginia." Accessed June 25, 2025.