State Farm is the most affordable provider for Washington drivers with a DUI, offering monthly rates of $59 for minimum coverage. American Family, Progressive and National General also provide affordable rates for those with a DUI, ensuring a range of options.
DUI Car Insurance in Washington
Updated: July 13, 2025
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Key Takeaways
Our research reveals State Farm as Washington's cheapest DUI car insurance at just $59 per month.
For most drivers with good credit, the average monthly premium for minimum coverage is $88, while full coverage costs around $165.
After a DUI in Washington, you must file an SR‑22 and maintain at least 25/50/10 liability coverage. PIP isn’t mandatory but can be added for additional protection.
Cheapest DUI Car Insurance in Washington
| State Farm | $59 | $124 |
| Progressive | $69 | $119 |
| American Family | $71 | $114 |
| National General | $76 | $159 |
| Farmers | $84 | $154 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Washington
We understand your profile might differ from those in the previous table. That's why we've outlined the most affordable car insurance options for a DUI, considering various coverage levels, age groups and credit scores.
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
| State Farm | $59 | $705 |
| Progressive | $69 | $830 |
| American Family | $71 | $855 |
| National General | $76 | $918 |
| GEICO | $81 | $973 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Washington law for most drivers.
How Much Does DUI Car Insurance Cost in Washington?
In Washington, DUI car insurance costs approximately $1,059 per year, depending on your driving history and credit. A DUI may increase your rates by 46% on average. Considering different coverage levels and credit scores, we've laid out the average costs you might see.
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
| $88 | $1,059 | $28 | $336 | 46% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Washington law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN WASHINGTON?
In Washington, a DUI conviction remains on your driving record forever, but the effect on your insurance typically lasts somewhere between three and seven years, depending on your provider. State law mandates an SR‑22 (proof of financial responsibility) for three years, and most insurance companies significantly hike rates during the first few years, gradually reducing them as time passes and your record stays clean.
Additional Costs to Consider When Having a DUI in Washington
While it's well-known that your car insurance rates tend to rise after a DUI, it's easy to overlook the other financial impacts that come with this serious driving violation. Here's a comprehensive breakdown to help you plan your finances:
- Fines and fees. In Washington, DUI fines range from $350 up to $5,000, varying based on BAC, test refusal, and prior DUI history. Additional court costs, assessments, and fees from state and local agencies can push the total much higher, often into the low thousands.
- Towing/impound fee. Under state law, the vehicle must be towed upon a DUI arrest. “Hailey’s Law” requires impoundment for at least 12 hours. Expect to pay between $100 and $1,200 or more when combining towing and daily storage fees.
- Drug education and treatment. Washington courts mandate a substance-use assessment and an alcohol education program. These typically cost $80 to $250; more intensive treatment or ongoing counseling adds extra expenses.
- DMV reinstatement fee. After your DUI, expect to pay at least $150 to restore driving privileges. You may also need an SR‑22 for three years, which adds to your annual insurance costs.
- Attorney fees and damages. If you caused an accident, you're responsible for covering damage and medical costs. Additionally, your legal fees often range from $2,500 or more.
- Ignition interlock device. Installation of an IID is mandatory for at least one year after conviction (longer for higher BAC or repeat offenses). Monthly monitoring typically costs around $100/month, plus setup and removal fees.
Washington DUI Car Insurance Requirements
After a DUI, Washington drivers must file an SR‑22 and maintain at least the state minimum liability insurance: $25,000 per person / $50,000 per accident for bodily injury, and $10,000 for property damage. PIP coverage is not mandatory, but insurers are required to offer it. Once reinstated, the SR‑22 filing must remain active for three years. If your coverage lapses during that period, the DMV can suspend your license again.
Other Washington DUI Laws To Know
Washington drivers convicted of DUI must file an SR‑22 form, maintain state-minimum liability insurance, and meet several legal requirements beyond simply paying fines.
Fines
Washington imposes substantial fines for DUI offenses. Depending on the severity of the violation, including BAC level, prior convictions, and whether a child was in the vehicle, the total can range from $945 to $5,000 or more.
Imprisonment and release
Jail time is a real possibility in Washington DUI cases. First-time offenders face a minimum of 24 hours in jail, while more serious or repeat offenses can lead to up to 364 days behind bars. In many cases, the court may impose additional conditions after release, including five years of probation, alcohol monitoring, or participation in a victim impact panel. A DUI in Washington also results in a criminal record, which can affect job prospects and international travel.
Impounding of vehicles
Under Washington’s “Hailey’s Law,” law enforcement must impound your vehicle for at least 12 hours after a DUI arrest unless another sober driver is available on the scene. Impound and storage fees vary, but the total often exceeds $1,000. You’ll also need to show valid insurance to retrieve your vehicle, which may be more expensive post-DUI.
Suspension periods
Washington law requires license suspension after a DUI conviction. The suspension typically lasts 90 days for a first offense, but it can be longer if you refused a breath test, had a high BAC, or have prior convictions. During this period, you’re legally barred from driving unless you qualify for restricted privileges.
DUI education requirements
Washington requires those convicted of DUI to complete a drug and alcohol assessment followed by a state-approved education or treatment program. Even first-time offenders must comply with these conditions to regain their driving privileges. Courts also require attendance at a victim impact panel, and probation fees.
Restricted licenses and ignition interlock requirements
Many Washington drivers apply for an ignition interlock license (IIL), which allows limited driving during the suspension period. To qualify, you must install an ignition interlock device (IID) and maintain SR-22 insurance. IID use is mandatory for at least one year for a first offense, five years for a second, and ten years for third or subsequent offenses. Monthly costs can exceed $100, including monitoring and maintenance.
How to Get the Best Cheap Washington Car Insurance With a DUI
Below, we've outlined practical ways to find affordable DUI car insurance in Washington. If standard insurers won’t cover you, there are alternative options to make sure you stay insured.
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Understand your needs
After a DUI in Washington, your insurance requirements and rates will increase. Carrying more than the minimum might still make sense depending on your driving habits, income, and where you live. We also provide an auto insurance coverage needs calculator to help you start looking for more insurance.
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Research costs and discounts
Before locking in a policy, research average car insurance rates for drivers in your situation. Although DUI-specific discounts don’t exist, you can often save with general offers like discounts for paying upfront or getting a quote online.
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Compare multiple providers
While we've highlighted several affordable companies, don’t stop there. Gather quotes from multiple insurers and make sure you’re comparing the same coverage levels across the board.
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Use state high-risk car insurance programs if denied
If traditional insurers deny you coverage, Washington participates in a high-risk insurance program through the Washington Automobile Insurance Plan (WAIP). This program, administered by AIPSO, ensures that high-risk drivers can still obtain legally required coverage.
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Make lifestyle or vehicle changes
Improving your credit score can make a noticeable difference in your premiums. In Washington, as in many states, drivers with poor credit and a DUI pay significantly more than those with better credit histories. If you're shopping for a new vehicle, consider insuring a cheaper car to insure.
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Consider non-traditional coverage types
If you drive fewer than 7,000 miles per year, a pay-per-mile program might help you save. Some insurers also offer usage-based discounts, which reward safe driving behaviors with potential savings of up to 40%. You might also want to explore coverage from automakers, which can sometimes offer more competitive rates.
Cheap DUI Insurance in Washington: Bottom Line
In Washington, the most affordable car insurance providers for drivers with a DUI are State Farm, Progressive and American Family. Our findings suggest these options, but comparing rates yourself is wise. Look into different quotes, understand the costs, and determine the necessary coverage to secure your best deal.
DUI Insurance in Washington: FAQ
Below, you'll find MoneyGeek's expert answers to common questions about DUI insurance in Washington.
Who has the cheapest car insurance for Washington drivers with a DUI?
For Washington drivers with a DUI, State Farm and American Family offer the most affordable minimum coverage and full coverage options, respectively.
How much does a DUI increase rates in Washington?
In Washington, a DUI can raise your insurance rates up to 49% for full coverage and around 46% for state minimum coverage.
How much does DUI car insurance in Washington Cost?
In Washington, minimum coverage for drivers with a DUI is approximately $88 monthly. Full coverage costs can average $165 per month.
How We Chose the Cheapest Car Insurance for Washington's DUI Drivers
To determine the top companies for drivers with DUIs in Washington, 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
- AIPSO. "Washington Automobile Insurance Plan (WAIP)." Accessed June 26, 2025.