Cheapest Auto Insurance for Drivers with a DUI in Washington

Cheapest Auto Insurance for Drivers with a DUI in Washington

When shopping for insurance after getting a DUI, one of the many factors that help determine a rate quote is where you choose to live. Areas that are densely populated or have higher claim frequency like Tacoma, Lakewood, and Seattle tend to pay more, whereas areas with less congestion benefit from lower coverage costs.

The next table displays the higher priced cities in Washington for drivers with a DUI in which to buy car insurance.

How much does car insurance cost in Washington?
Rank City Average Per Year
1 Tacoma $1,441
2 Federal Way $1,435
3 Lakewood $1,434
4 Auburn $1,408
5 Seattle $1,391
6 Kent $1,378
7 Renton $1,361
8 Shoreline $1,352
9 South Hill $1,340
10 Kirkland $1,243
11 Everett $1,238
12 Marysville $1,221
13 Sammamish $1,220
14 Bellevue $1,219
15 Redmond $1,214
16 Vancouver $1,157
17 Spokane Valley $1,098
18 Lacey $1,089
19 Olympia $1,072
20 Spokane $1,071
21 Yakima $1,057
22 Kennewick $1,041
23 Pasco $998
24 Bellingham $987
25 Richland $983
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Rate information is comparative as specific location information can influence auto insurance rates substantially.

Locating low-priced car insurance is difficult, and finding out which company quotes the lowest-priced auto insurance rates for drivers with a DUI will require more quotes for comparison. Insurance rates should be much more expensive than the state average, with the higher price attributed to the potential for more claims that comes with selling coverage after getting a DUI, but competitive coverage should be available with some perseverence.

Each auto insurance company has their own formula to set policy rates, so we’ll go over the most competitive auto insurance companies in Washington.

Cheapest Insurance Rates after a DUI

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Cheapest insurance companies in Washington
Rank Company Cost Per Year
1 Capital $754
2 Grange $838
3 Nationwide $961
4 PEMCO $994
5 Travelers $998
6 Mutual Enumclaw $1,023
7 The Hartford $1,048
8 California Casualty $1,072
9 USAA $1,082
10 Allied $1,098
11 Chubb $1,127
12 State Farm $1,141
13 American Family $1,208
14 Safeco $1,228
15 Amica $1,243
16 Liberty Mutual $1,309
17 Farmers $1,329
18 Progressive $1,465
19 National General $1,540
20 GEICO $1,656
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Capital may have some of the cheapest car insurance rates in Washington at around $754 a year. Grange, Nationwide, PEMCO, and Travelers also rank well as some of the cheapest Washington auto insurance companies.

As the example above demonstrates, if you are insured with PEMCO and switched to Grange, you may realize savings of in the vicinity of $156. Drivers with Travelers might save as much as $160 a year, and Mutual Enumclaw insureds might cut rates by $185 a year.

Remember that these estimates are averages for all types of insureds and vehicles and do not factor in a price increase for drivers with a DUI. So the auto insurance company that has the cheapest price for you may not even be featured in the above rate chart. That illustrates why you need to compare rates from multiple companies using your own specific driver and vehicle information.

Cost comparison with and without full coverage

Finding the cheapest auto insurance for drivers with a DUI in Washington is the goal of the majority of vehicle owners, and one of the easiest ways to buy cheap insurance is to only pay for liability coverage. The example below shows the comparison of insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.

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As an overall average, full coverage costs $1,858 per year over liability only. Many of you may wonder when is the right time to remove full coverage. There is no definitive formula for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $8,000 after the deductible is paid. If you are paying more than $800 a year to have full coverage, then it might be time to buy liability only.