Getting Car Insurance After a DUI in Washington: Everything You Need to Know

If your driver's license is suspended due to a DUI conviction in Washington, your auto insurance may be terminated or your insurance provider may drastically increase your rates. After a DUI, the cost of a full coverage car insurance policy will rise by more than 73% from $1,207 to $2,096 per year.

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Last Updated: 11/17/2022
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In Washington, State Farm was ranked the best car insurance company after a DUI by MoneyGeek, for both minimal and full coverage policies. The costs of several insurance choices are compared in the table below to help you fully understand car insurance after a DUI in Washington.

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Best Companies for DUI Insurance in 2022

Insurance companies are legally entitled to refuse coverage to anyone who has been convicted of a DUI. If your insurance company keeps your policy after you get a DUI, your rates will almost certainly rise because you are considered a high-risk driver.

A DUI conviction in Washington carries a potential prison sentence, license suspension and fines. These penalties are determined by the nature of the offense and the number of prior DUI violations. In Washington, drivers who have their license suspended due to a DUI pay over 73%more for full coverage car insurance.

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Cheapest Car Insurance Companies in Washington After a DUI

State Farm and Progressive are the cheapest car insurance companies after a DUI nationally, based on MoneyGeek's findings. These car insurance companies are also the cheapest providers after a DUI in Washington.

Cheapest Companies for Full Coverage in Washington After a DUI

The following insurance companies in Washington, according to MoneyGeek's research, offer the cheapest full coverage car insurance for DUI drivers:

  • State Farm: $1,043 per year
  • Progressive: $1,187 per year
Cheapest Car Insurance for Full Coverage After a DUI

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  • Rank
    Company
    Annual Premium
  • 1
    State Farm
    $1,043
  • 2
    Progressive
    $1,187
  • 3
    PEMCO
    $1,314
  • 4
    USAA
    $1,331
  • 5
    Allstate
    $1,514

Cheapest Companies for Minimum Coverage in Washington After a DUI

MoneyGeek found the following companies that provide the cheapest minimum coverage car insurance for DUI offenders in Washington:

  • State Farm: $550 per year
  • Progressive: $566 per year
Cheapest Car Insurance for Minimum Coverage After a DUI

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The cheapest car insurance option isn't necessarily the best option for your needs. Minimum coverage policies should include all of Washington’s car insurance requirements, but you may need more coverage to safeguard yourself and your belongings. MoneyGeek recommends that you figure out how much car insurance you need to get the best policy for your situation.

Top Car Insurance Companies in Washington After a DUI

MoneyGeek reviewed insurance companies in terms of financial stability, cost and customer satisfaction to help you find the best coverage for your needs. Based on this evaluation, State Farm is the best car insurance company after a DUI in Washington for both full and minimum coverage.

Best Companies for Full Coverage in Washington After a DUI

The top two full coverage car insurance companies for DUI offenders in Washington are State Farm and Allstate. Learn more about each insurer's coverage, pricing and major features by reading further at MoneyGeek's rankings below.


1
State FarmBest full coverage after a DUI
Score:4.3

5/5

Affordability

4/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

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Geek Quick Take

On average, State Farm's full coverage insurance policy costs $956 per year in Washington. It climbs by 9% to $1,043 per year for the same policy after a DUI.

More About State Farm

When it comes to car insurance, State Farm has a solid track record in terms of customer service, financial stability and discounts. It provides conventional coverages such as liability, comprehensive and collision.

2
Allstate
Score:4.2

4.5/5

Affordability

4.5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

For Washington drivers without a DUI, an Allstate full coverage policy costs roughly $1,143 per year. DUI offenders, on the other hand, pay an average of $1,514 per year — an increase of over 32%.

More About Allstate

Allstate offers above-average customer satisfaction, financial stability and complaint ratings. For most drivers, including those purchasing full or minimum coverage and those with a speeding ticket, the company offers car insurance rates comparable to the industry average.

Best Companies for Minimum Coverage in Washington After a DUI

Although minimum coverage is the most cost-effective option, it may not be appropriate in all situations. Based on MoneyGeek’s research, we found that State Farm and Progressive are the best providers of minimum coverage car insurance policies after a DUI in Washington.


1
State FarmBest minimum coverage after a DUI
Score:4

4/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

Without a DUI, a State Farm minimum coverage policy costs around $501 per year. However, following a DUI conviction, the cost of your annual premium increases by over 9% to $550 per year.

More About State Farm

State Farm is an excellent option for Washington drivers that only require basic coverage. Despite the lack of specific coverages, State Farm is an affordable solution for most drivers.

2
Progressive
Score:4

5/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

In Washington, drivers without a DUI pay $442 per year for a minimum coverage insurance policy with Progressive. Meanwhile, the average yearly cost of car insurance for DUI drivers rises by over 28% to $566 per year.

More About Progressive

Progressive received a moderate complaint index, financial stability and discount availability rating. However, it has a low customer satisfaction rating and poor affordability score. For most drivers, getting Progressive car insurance is neither cheap nor expensive.

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

Because you’re classified as a high-risk driver after a DUI, the average yearly cost of a full coverage policy in Washington increases by over 73% from $1,207 to $2,096 for a full coverage policy.

MoneyGeek outlines how and why the cost of your Washington car insurance after a DUI may vary.

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

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Average Cost

Full Coverage

$1,207
insurance2
Average Cost with DUI

Full Coverage

$2,096
Full coverage policy premiums after a DUI cost::$889 more

This is 74% more expensive.

Because you've been considered a high-risk driver, your car insurance rates will increase after a DUI in Washington. You may use MoneyGeek's car insurance calculator to get a better idea of how a DUI will impact your car insurance premiums.

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USAA
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You will be responsible for additional DUI penalties and charges, including a license suspension of 30 days or more, jail time or community service.

  • Fines, court and attorney fees. A DUI conviction usually comes with fines and various court fees, such as paying for a counsel to help you defend an unfair charge.
  • Towing/impound fee. If your automobile is towed and impounded after an arrest, you will have to pay a towing/impound fee to get it back.
  • Drug education and treatment. You may be required to attend an alcohol or drug education program after your first offense.
  • DMV reinstatement fee. If your license has been suspended, you will be required to pay a fee to reinstate your driving rights.

Getting Car Insurance in Washington After a DUI

Some car insurance companies can refuse to cover drivers who have been convicted of a DUI since they are private businesses and are under no legal obligation to provide coverage.

Because Washington has a seven-year lookback period, buying car insurance after a DUI could be difficult. Regardless, you research different companies, compare estimates and ultimately select the best-fit insurance provider for you.

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Drivers in Washington who commit a high-risk traffic violation, such as DUI, must purchase SR-22 insurance. The Washington SR-22 insurance is a document that verifies that the driver's car insurance meets the state's liability coverage minimums. State Farm offers the cheapest SR-22 insurance in Washington, with an average annual rate of $550.

Washington DUI Laws

After receiving a DUI, a higher cost of insurance may be of minor concern in comparison to the other more severe implications. Penalties vary by state, but MoneyGeek outlined Washington’s DUI laws and associated penalties below.

MoneyGeek’s table below explains the DUI laws of Washington.

  • This is an icon

    Driving with a BAC at or above 0.08% is considered a DUI

    If you fit any of the following scenarios, you may be prosecuted for operating a motor vehicle under the influence of drugs or alcohol:

    • Blood alcohol concentration (BAC) of 0.08% or higher
    • THC concentration greater than or equal to 5.00 nanograms per milliliter of blood
    • Drivers under 21 can also be arrested for having a BAC greater than or equal to 0.02% or a THC/marijuana level of more than 0.00 nanograms per milliliter of blood.
    • Intoxicated with drugs, alcohol or marijuana
  • This is an icon

    Driving with a BAC of 0.15% will result in increased penalties

    DUI offenders in Washington face heavy penalties, especially repeat offenders. When your BAC is greater than 0.15%, the state authorizes judges to raise your penalty, and you could face up to a year in prison.

  • This is an icon

    90-day administrative license suspension on first offense

    A first administrative offense involving a breath/blood test results in a 90-day license suspension, regardless of the value of the result as long as it is at or over the legal limit. A first-refusal administrative offense leads to a one-year license suspension.

  • This is an icon

    Limited driving privileges during suspension with an Ignition Interlock Driver License (IIL)

    While your regular license is suspended or revoked for a drug or alcohol-related violation, you can drive cars equipped with an Ignition Interlock Driver License (IIL).

  • This is an icon

    Ignition interlocks are mandatory for all convictions

    After the license suspension or revocation time has ended, the court requires that the offender drive only vehicles that have an ignition interlock device installed. If you have never used an ignition interlock device before, you must wait at least one year before using one.

  • This is an icon

    Open container laws

    The open container rules in Washington make it illegal to drink any alcoholic beverage or have an open container of alcohol in a motor vehicle on the highway.

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Frequently Asked Questions

It is a known fact that it can be challenging to find suitable car insurance in Washington after a DUI. MoneyGeek has provided answers to some frequently asked questions to help you find the best policy for your needs.

Methodology

To determine the top companies for individuals with DUIs in Washington, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information 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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