Best Car Insurance After a DUI in Washington (Top 10 Companies for 2024)
The best car insurance after a DUI in Washington comes from State Farm, Geico, and Progressive, which offer the best rates despite the violation. State Farm offers affordable coverage starting at $33/month, making it an excellent choice for drivers seeking affordable coverage after a DUI.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Full Coverage After a DUI in Washington
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage After a DUI in Washington
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
Many car insurance providers offer solid service in Washington after DUIs, so ones like State Farm, Geico, and Progressive tend to be the best. 
In our analysis, State Farm offers the most affordable rates, at approximately $33 monthly, for drivers with a DUI, making it akin to getting a value brand instead of paying top dollar. Gain deeper insights by reading our article “Cheap Car Insurance in Washington.”
Our Top 10 Company Picks: Best Car Insurance After a DUI in Washington
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 20% B Local Agents State Farm
#2 25% A++ Competitive Rates Geico
#3 20% A+ Comparison Tools Progressive
#4 10% A+ Safe Discounts Allstate
#5 15% A+ Safety Incentives Nationwide
#6 14% A High-Risk Options Farmers
#7 12% A Defensive Discounts Liberty Mutual
#8 10% A++ High-Risk Coverage Travelers
#9 15% A Flexible Coverage Safeco
#10 10% A Reduction Programs American Family
Geico is another strong contender, known for its discounts and flexibility, while Progressive excels with its extensive coverage options. See if you’re getting the best deal on car insurance by entering your ZIP code.
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#1 – State Farm: Top Overall Pick
Pros
- Substantial Discounts for Safe Drivers: State Farm offers significant discounts to drivers in Washington after a DUI if they maintain a clean record.
- High Financial Strength: State Farm’s solid financial ratings ensure reliability for those needing coverage after a DUI in Washington.
- Customizable Coverage Options: State Farm offers flexible policies tailored to the needs of DUI drivers in Washington.
Cons
- Higher Premiums After DUI: Expect a noticeable premium increase in Washington after a DUI with State Farm. Check out our article, “State Farm Insurance Review.“
- Limited SR-22 Filings: State Farm may need to process the SR-22 forms required after a DUI in Washington faster.
#2 – Geico: Best for Affordable Rates
Pros
- Competitive Rates for DUI Drivers: Geico offers lower rates for drivers with a DUI in Washington than other insurers.
- User-Friendly Online Tools: Geico’s online platform simplifies policy management, even for DUI drivers in Washington.
- Efficient SR-22 Filing: Geico quickly handles the SR-22 filing required for DUI cases in Washington. Read our article, “Geico Insurance Review..”
Cons
- Significant Rate Increases: Rates may rise sharply after a DUI in Washington despite Geico’s competitive pricing.
- Limited Personalization: Geico’s coverage options may lack customization for DUI drivers in Washington.
#3 – Progressive: Best for High-Risk Drivers
Pros
- Specialized in High-Risk Drivers: Progressive often offers competitive rates for high-risk drivers, including those with DUIs in Washington.
- Snapshot Program: Progressive’s usage-based program could lower rates for DUI drivers in Washington who demonstrate safe driving post-DUI.
- Flexible Payment Options: Progressive offers flexible payment plans for DUI drivers needing insurance in Washington.
Cons
- Higher Initial Rates: Progressive can start with higher premiums for DUI drivers in Washington. Explore our article, “Progressive Insurance Review.“
- Variable Customer Service: Some Washington DUI customers report inconsistent customer service experiences with Progressive.
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#4 – Allstate: Best for Premium Services
Pros
- Discounts for Safe Driving Programs: DUI drivers in Washington can reduce premiums through Allstate’s safe driving programs.
- Robust Coverage Options: Allstate offers extensive coverage types to meet the unique needs of DUI drivers in Washington.
- Local Agents Available: Washington DUI drivers benefit from Allstate’s local agent support for personalized service.
Cons
- Premium Increases Post-DUI: DUI drivers in Washington may experience significant premium hikes with Allstate.
- Higher Overall Costs: Allstate tends to have higher baseline rates for DUI drivers in Washington. Discover our article, “Allstate Insurance Review.“
#5 – Nationwide: Best for SR-22 Assistance
Pros
- Effective SR-22 Filing: Nationwide quickly processes SR-22 forms for DUI drivers in Washington. View our article, “Nationwide Car Insurance Discounts.“
- Safe Driving Discounts: DUI drivers in Washington can access safe-driving discounts to help lower premiums over time.
- Broad Coverage Options: Nationwide provides various policy choices to cover DUI drivers in Washington.
Cons
- Above-Average Premiums: Nationwide’s rates for DUI drivers in Washington are higher than some competitors.
- Complex Claims Process: DUI drivers in Washington may find Nationwide’s claims process long and complicated.
#6 – Farmers: Best for Personalized Service
Pros
- Personalized Agent Support: Farmers offers one-on-one service for DUI drivers in Washington, helping tailor coverage.
- Discounts for Bundling: Washington DUI drivers can save by bundling their auto with other insurance policies through Farmers.
- Solid Reputation for Claims: Farmers have a strong reputation for handling claims for Washington DUI drivers.
Cons
- Higher Rates for High-Risk Drivers: Farmers charge more for DUI drivers in Washington. Learn more from our article, “Farmers Insurance Review.”
- Limited Online Features: DUI drivers in Washington may find fewer digital tools with Farmers than competitors.
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#7 – Liberty Mutual: Best for Comprehensive Coverage
Pros
- Flexible Coverage Options: Liberty Mutual offers a range of customizable plans for DUI drivers in Washington. Don’t miss our article, “Liberty Mutual Insurance Review.“
- Potential Safe Driving Discounts: Washington DUI drivers can reduce premiums through Liberty Mutual’s discounts.
- SR-22 Support: Liberty Mutual provides SR-22 filing services to help DUI drivers meet Washington state requirements.
Cons
- Higher Rates After DUI: Liberty Mutual’s premiums for DUI drivers in Washington may be higher than expected.
- Mixed Customer Service Reviews: Some DUI drivers in Washington report inconsistent service with Liberty Mutual.
#8 – Travelers: Best for Policy Customization
Pros
- Customizable Policies: Travelers offers tailored plans to fit the needs of DUI drivers in Washington.
- SR-22 Support: Travelers assist DUI drivers in Washington with SR-22 filings when required. Read our article, “Travelers Car Insurance Review.“
- Discounts for Good Driving: DUI drivers in Washington can lower rates through safe driving programs.
Cons
- Premium Increases Post-DUI: Travelers tend to raise rates significantly after a DUI in Washington.
- Limited Local Agents: DUI drivers in Washington may have fewer in-person service options with Travelers.
#9 – Safeco: Best for Local Support
Pros
- Washington-Specific Expertise: Safeco offers tailored guidance for DUI drivers navigating Washington’s insurance requirements.
- Safe Driving Incentives: Washington DUI drivers can use Safeco’s safe driving programs to reduce premiums. For more information, browse our article “Safeco Insurance Review.“
- Strong Local Agent Network: Safeco’s extensive agent network in Washington provides DUI drivers with personalized service.
Cons
- High DUI Premiums: Safeco can be more expensive for DUI drivers in Washington than competitors.
- Limited National Presence: Safeco’s services may be more complex to access outside Washington.
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#10 – American Family: Best for Customer Service
Pros
- Dedicated Support for DUI Drivers: American Family offers tailored customer support for DUI drivers in Washington.
- Potential for Discount Programs: DUI drivers in Washington can access various discount programs to reduce their insurance costs.
- Flexible Coverage Plans: American Family provides customizable insurance plans for DUI drivers in Washington. For more information, refer to our article, “American Family Car Insurance Review.“
Cons
- Higher Rates Post-DUI: American Family’s rates for DUI drivers in Washington tend to be higher than average.
- Limited SR-22 Processing: DUI drivers in Washington may face delays with American Family’s SR-22 filing process.
Washington DUI Car Insurance Monthly Rates by Provider Coverage Level
Car insurance after a DUI in Washington may be complicated, but many of the best providers offer affordable plans. Traditional insurers such as State Farm, Progressive, and Liberty Mutual can provide DUI coverage that best suits your situation so you get the protection you need.
Washington DUI Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$66 $152
$78 $179
$71 $163
$89 $204
$56 $129
$69 $159
$34 $79
$63 $145
$33 $76
$74 $170
As mentioned above, whether you are searching for limited or complete insurance, these insurers have different plans to accommodate your needs and get you back confidently behind the wheel.
Justin Wright Licensed Insurance Agent
There are many ways to compare their rates with competitors like Geico, Nationwide, and Safeco.
Car Insurance Discounts From the Top Providers After a DUI in Washington| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Accident Forgiveness, Multi-Policy, Bundling, Early Signing, Paperless Billing |
| Safe Driving, Multi-Policy, Good Student, Vehicle Safety, Early Signing, Low Mileage |
| Safe Driving, Multi-Policy, Bundling, Defensive Driving Course, Low Mileage, Home Ownership |
| Multi-Policy, Good Driver, Defensive Driving Course, Safety Features, Low Mileage, Federal Employee |
| Defensive Driving, Safe Vehicle Features, Multi-Policy, Home Ownership, New Car, Student Away at School |
| Safe Driving, Defensive Driving Course, Multi-Policy, Vehicle Safety, Good Student, Low Mileage |
| Snapshot Program (Based On Driving Behavior), Multi-Policy, Safety Features, Continuous Insurance, Home Ownership |
| Defensive Driving Course, Multi-Policy, Vehicle Safety Features, Low Mileage, Bundling, Good Student |
| Safe Driving Course, Multi-Policy, Accident-Free, Good Student, Home Ownership, Low Mileage, Bundling |
| Multi-Policy, Safe Driving, Defensive Driving Course, Vehicle Safety, Low Mileage, Early Signing |
Top car insurance after a DUI in Washington can be found through popular providers such as State Farm, Progressive, and Geico. Competitive Choices: You may shop and compare reliable coverage designed for you, whether minimum or complete protection plans. Dive into the details with our article, “Cheap Car Insurance in Washington D.C.”
Understanding the Impact of a DUI on Car Insurance in Washington
Worse yet, a DUI causes Washington auto insurance rates to soar. If you are convicted of drinking and driving, then insurance companies will usually see you as a high-risk driver.
This usually results in higher premiums, increasing the cost to double or triple your last ones. It is essential to know that if you receive a DUI, your insurance rates could be increased for many years. Depending on the state you live in, a DUI can remain on your record for as long as seven years and will markedly improve the amount you pay.
Washington Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 25% | State Farm, Allstate, Geico |
| Anti-Theft Discount | A | 20% | Travelers, Geico, State Farm |
| Multi-Policy Discount | A- | 20% | Farmers, Nationwide, Progressive |
| Good Student Discount | B+ | 15% | Liberty Mutual, American Family |
| Low Mileage Discount | B | 10% | Allstate, Nationwide, Progressive |
Also, due to the rise in risk, some insurance companies can be motivated to cancel even if. Because of that, when looking for car insurance later, a DUI in Washington becomes high on the list. Explore our article, “Best Car Insurance for Safe Drivers in Washington.”
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Top Car Insurance Companies for DUI Drivers in Washington
Many insurance companies do not offer CA coverage in the event you have a DUI. However, several companies do specialize in policies for high-risk drivers.
State Farm, Progressive, and Geico are ranked as the best auto insurers in Washington for drivers caught drunk driving. They often provide lower rates than traditional insurers, even for individuals with a DUI on their record.
Washington Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Discounts | A- | Many discounts available for safe drivers |
| Liability Coverage | B+ | Reasonable rates with good coverage options |
| Comprehensive | B | Competitive but higher in urban areas |
| Overall Premiums | B | Average premiums slightly above national rates |
| Collision Coverage | B- | Costs higher due to increasing accident rates |
Furthermore, carriers such as Nationwide and Farmers offer excellent customer service and flexibility in payment options, making them solid options for those looking to find the best car insurance company after a DUI in Washington. Delve into the specifics in our article “Best Car Insurance After an Accident in Washington.”
How to Lower Your Car Insurance Rates After a DUI
While you may find it hard to get cheap car insurance after a DUI, some strategies will help lower your rates over time. One of the most effective strategies is to receive a DUI education program. This shows the insurance companies that you acknowledge your actions and are willing to prove yourself by changing them.
Washington Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bellevue | 1,900 | 1,700 |
| Seattle | 10,200 | 9,500 |
| Spokane | 4,500 | 4,100 |
| Tacoma | 3,800 | 3,400 |
| Vancouver | 2,700 | 2,500 |
Also, it is necessary to avoid getting other tickets or accidents on your record after a DUI. You can rebuild your insurance reputation over time by avoiding further traffic offenses and accidents.
5 Common Car Insurance Claims in Washington| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 35% | $4,800 |
| Liability | 28% | $11,500 |
| Comprehensive | 20% | $3,000 |
| Personal Injury | 10% | $9,200 |
| Uninsured Motorist | 7% | $6,800 |
It departs regimental libido regularly, logging the stimulation corroborate to re-infection mixture prone setting. For a comprehensive understanding, consult our article, “Best Car Insurance After an Accident in Washington, D.C.”
SR-22 Insurance Requirements in Washington After a DUI
If you are convicted of a DUI in Washington, you will likely need to file an SR-22. This document is the proof that you have, at minimum, state-required car insurance. There are insurance companies that offer SR-22 filings because not all do.
Some of Washington’s best SR-22 insurance companies for DUI drivers include Progressive, Nationwide, and The General. These companies offer affordable rates and have experience dealing with high-risk drivers who need to file an SR-22. Get a better grasp of the topic by reading our article “How a DUI Affects Your Car Insurance Policy & SR-22.”
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Long-Term Effects of a DUI on Car Insurance in Washington
Car insurance in Washington five years after a DUI: 193% increased rate for car insurance vs. non-DUI; aside from higher premiums, you might have difficulty getting the better comprehensive and collision portion of car insurance.
Aside from that, if one of the reasons for bankruptcy and insolvency is that some insurance companies may either exclude these coverages or impose much higher premium rates, it can affect your financial security.
Brad Larson Licensed Insurance Agent
However, staying proactive and selecting a specialized service provider can help with these ramifications over time. The finest automobile insurance companies in Washington follow a DUI by providing accident forgiveness and roadside assistance in addition to customizable policies that keep prices but widely cover your insurance. Enhance your knowledge by reading our “Best Washington Car Insurance Discounts.”
Top Car Insurance Options for DUI Drivers in Washington
Read on to compare Washington’s best auto insurance options if you’ve been convicted of a DUI. It picks companies such as State Farm, Geico, and Progressive for good coverage despite the higher prices of those high-risk drivers.
The article touches on raised insurance rates due to a DUI, as these infamously near-double or triple monthly payments; it briefly goes over SR-22. It includes tips for lowering post-DUI premiums, like diligence on education courses and keeping a clean record.
Lastly, we discuss how a DUI can impact coverage in the long term, such as higher rates and possible policy exclusions. Uncover more by delving into our article, “What happens if you get a DUI?” Our free online comparison tool allows you to compare cheap car insurance quotes instantly—enter your ZIP code to get started.
Frequently Asked Questions
Can I get car insurance after a DUI in Washington?
Yes, but it may be more expensive as you’re considered a high-risk driver. Get a better grasp of this by checking out our article “Drunk Driving / DUI / DWI.”
Which companies offer the best car insurance rates after a DUI in Washington?
State Farm, Geico, and Progressive provide some of the best rates.
How much does car insurance cost after a DUI in Washington?
Rates typically start at $33/month with companies like State Farm.
Will a DUI increase my car insurance rates in Washington?
Yes, expect your rates to increase significantly after a DUI. Our article “DUI and Future Opportunities: Employment & Education” will expand your understanding.
How long does a DUI stay on my record in Washington?
A DUI can stay on your record for up to seven years.
What is SR-22 insurance?
SR-22 is proof of insurance required after certain driving violations like a DUI. Stop overpaying for car insurance. Our free quote comparison tool lets you shop for quotes from the top providers near you by entering your ZIP code.
Which companies offer SR-22 insurance in Washington?
Progressive, Nationwide, and The General provide SR-22 insurance. Our article “What are my legal rights at a DUI checkpoint?” will help you understand this better.
Can I reduce my insurance rates after a DUI?
Completing DUI education programs and keeping a clean record can help lower rates.
Will all insurers cover me after a DUI in Washington?
Not all insurers offer coverage for high-risk drivers, but some specialize.
How can I avoid premium increases after a DUI?
Avoid further violations and take defensive driving courses to help reduce costs. Broaden your knowledge with our article, “How long does a DUI stay on your record.”
Can my insurance company cancel my policy after a DUI?
Yes, some insurers may cancel your policy after a DUI.
Does a DUI affect full-coverage car insurance in Washington?
Yes, you may face higher premiums or reduced coverage options.
Is accident forgiveness available after a DUI?
Some companies, like State Farm, offer accident forgiveness even after a DUI. Our article “Out-of-State DUI Warrants” explores this further.
Can I get insurance with multiple DUIs in Washington?
Yes, but expect significantly higher premiums and fewer coverage options. Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.
What coverage is required after a DUI in Washington?
At a minimum, you need liability coverage and may also require SR-22 filing.
Which insurer offers the lowest rates for DUI drivers in Washington?
State Farm often offers the most affordable rates for DUI drivers. Read our article, “Why am I being charged with a DUI and driving?“
How do DUI convictions impact long-term car insurance rates?
Your rates may remain high for five to seven years after the conviction.
What is the best car insurance company for high-risk drivers in Washington?
Progressive is a top pick for high-risk drivers, including those with DUIs.
Can I get discounts after a DUI conviction?
Yes, some companies offer discounts, but they may be limited. Our article “Out-of-State DUI Convictions” will deepen your understanding.
What steps can help me find affordable insurance after a DUI?
Compare quotes, take driving courses, and look for specialized insurers.
Enter your ZIP code below to compare cheap insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.