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: June 25, 2025
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Key Takeaways
Our research reveals that Virginia Farm Bureau offers the lowest DUI driver rates in Virginia 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.
Compare Cheap Car Insurance With a DUI in Virginia
We understand that your profile may not match the ones we used for the table above. So we’ve broken down the cheapest car insurance for a DUI for combinations including coverage level, age group and credit.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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 can cost around $1,081, depending on your driver profile. Such an infraction could increase your rates by as much as 48%. We've outlined the average costs for you, considering different coverage levels, credit scores, and age brackets.
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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 often use that full period to assess your risk, meaning your rates can remain elevated throughout that time. You will likely 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. Below, we've broken down a complete list of considerations:
- Fines and fees. Virginia law mandates drivers to pay fines after a DUI conviction, which can be between $250 to $2,500 or more, depending on the details of the offense and your history.
- Towing/impound fee. Once arrested, a police officer has your vehicle towed or impounded. You must pay a fee, usually around $250 to $500, to reclaim your car.
- Drug education and treatment. It may be a requirement to go through a drug and alcohol education program. This can cost anywhere from $25 to $85 in Virginia, depending on your requirements.
- DMV reinstatement fee. You will have to 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, but it will increase depending on how often your license has been suspended.
- Attorney fees and damages. If you cause an auto accident while driving under the influence, you’re responsible for any damages and medical expenses. DUI offenders may also need to 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, $25,000 property damage. You must have 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 following license reinstatement.
Other Virginia DUI Laws to Know
Virginia requires more than just FR-44 filings and extra coverage; it has specific auto insurance rules.
Fines
Virginia imposes monetary penalties for DUI offenses, which can impact your finances. First-time offenders can expect fines ranging from $250 to $2,500. Subsequent offenses often result in higher fines. These costs do not include legal fees, increased car insurance premiums, or other financial consequences that may arise from a DUI conviction.
Imprisonment and release
DUI convictions in Virginia may lead to jail time. A first offense can result in up to 12 months in jail, while multiple offenses can lead to longer sentences. In some cases, offenders may be released on probation or under certain conditions, such as attending a substance abuse program or installing an ignition interlock device in their vehicle.
Impounding of vehicles
When charged with a DUI, authorities may impound your vehicle. The duration of impoundment varies and adds to the overall cost and consequences of the offense. The impoundment period can also increase with subsequent DUI offenses, further complicating your mobility and daily life.
Suspension periods
A DUI conviction leads to the suspension of your driver's license. For a first offense, the suspension period is one year. Repeat offenders face longer suspension periods, and in some cases, revocation of their license. This loss of driving privileges can severely affect your ability to commute, work, and fulfill other personal responsibilities.
DUI education requirements
Virginia DUI laws mandate participation in alcohol education and treatment programs. These programs, often referred to as ASAP (alcohol safety action program), are designed to educate offenders on the risks of impaired driving and to prevent future offenses. Completion of such programs is usually required to reinstate driving privileges.
How to Get the Best Cheap Virginia Car Insurance With a DUI
Below we've highlighted 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.
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Understand your needs
Virginia requires increased coverage after a DUI, so it’s essential to evaluate whether you also need extras like comprehensive or collision. Think about your budget, how often you drive, and your vehicle type. We also provide an auto insurance coverage needs calculator to help you begin.
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Research costs and discounts
While you won’t find discounts specific to DUI-related policies, you can still reduce costs by enrolling in programs like autopay, quoting online, or bundling policies. Some insurers also offer telematics programs that reward safe driving habits with savings of up to 40%.
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Compare multiple providers
Don’t settle for the first quote you receive. Use comparison tools, consult independent brokers, or contact insurers directly.
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Use 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.
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Make lifestyle or vehicle changes
Raising your credit score can lower your premiums. In Virginia, drivers with poor credit and a DUI may pay over $1,245 more annually for minimum coverage than those with good credit. You can also consider switching to a cheaper car to insure or working on financial habits to improve your credit score.
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Consider non-traditional coverage types
If you don’t drive much, a pay-per-mile insurance policy could save you money. Many companies also offer usage-based insurance that tracks your driving and can reduce 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. While these are our findings, we urge you to personally compare rates, research costs, and determine the necessary coverage to ensure you secure the best deal.
DUI Insurance in Virginia: FAQ
Below, you'll find MoneyGeek's expert answers to common questions about DUI insurance in Virginia.
Who has the cheapest car insurance for Virginia drivers with a DUI?
For Virginia drivers with a DUI and good credit or bad credit, the cheapest car insurance is offered by Virginia Farm Bureau.
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
To determine the top companies for drivers with DUIs in Virginia, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Virginia Law. "Code of Virginia." Accessed June 25, 2025.