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: November 8, 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.
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Compare Cheap Car Insurance With a DUI in Washington
We give the most affordable car insurance options for a DUI, considering various coverage levels, age groups and credit scores.
Data filtered by:
30-59
Good
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:
30-59
Good
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. The effect on your insurance lasts three to 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.
Additional Costs to Consider When Having a DUI in Washington
- 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 add to the costs.
- 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 for 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.
- Attorney fees and damages. If you caused an accident, you're responsible for covering damage and medical costs. Additionally, your legal fees 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.
- 1Understand your needs
After a DUI in Washington, your insurance requirements and rates will increase. Use our auto insurance coverage needs calculator to help you start looking for more insurance.
- 2Research costs and discounts
Before locking in a policy, research average car insurance rates for drivers in your situation.
- 3Compare multiple providers
Gather quotes from multiple insurers and make sure you’re comparing the same coverage levels.
- 4Use state high-risk car insurance programs if denied
If traditional insurers deny you coverage, look at the Washington Automobile Insurance Plan (WAIP). This program, administered by AIPSO, helps high-risk drivers get legally required coverage.
- 5Make lifestyle or vehicle changes
Improving your credit score can help your premiums. In Washington, as in many states, drivers with poor credit and a DUI pay more. Consider buying a cheaper car to insure.
- 6Consider non-traditional coverage types
If you drive fewer than 7,000 miles per year, a pay-per-mile program might help you save.
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.
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
Washington drivers with DUI convictions face dramatically higher insurance rates and limited coverage options, making it critical to find the few insurers willing to accept high-risk drivers at reasonable premiums. We built this research to show you which companies offer affordable rates and reliable service when you're working to rebuild your driving record after a DUI.
We analyzed each company's financial stability, customer satisfaction, claims handling, and affordability using data from state insurance departments and Quadrant Information Services. This approach identifies insurers that won't just quote you coverage but will actually deliver quality service when you need to file a claim.
The rates reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE, logging 12,000 miles annually. We modified this base profile to show how rates change across different ages, genders, and vehicle types, helping you understand what you'll actually pay based on your specific situation.
Washington's strict DUI laws and mandatory SR-22 filing requirements add complexity to your insurance search. Many major insurers won't accept drivers with recent DUIs, while ot
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
- AIPSO. "Washington Automobile Insurance Plan (WAIP)." Accessed June 26, 2025.
