Cheapest Car Insurance for Drivers with a DUI in West Virginia

When we talk about car insurance, the word “cheap” shouldn’t be used as a descriptor for car insurance rates. Regardless, cheap auto insurance for drivers with a DUI is almost non-existent. Don’t let that get you down, though, because we will show you how you can quote coverage that is cheaper than what you have now.

One of the more important considerations that control the policy price is where you normally keep your vehicle in West Virginia. Areas with more people or even just a higher incidence of claims like Bluefield, Beckley, and St. Albans tend to have higher rates, whereas more rural areas generally benefit from lower car insurance rates.

The following table rates the priciest cities in West Virginia for drivers with a DUI to purchase a policy in.

Premium costs are comparative as specific location information can change premiums significantly.

The car, truck, or SUV requiring insurance is one of the largest considerations when shopping around for the cheapest auto insurance for drivers with a DUI in West Virginia. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than safer models.

The information below ranks insurance premiums for the cheaper vehicles to insure.

Prices above based on married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can raise or lower insurance rates significantly.

Looking at the numbers, makes and models like the Honda CR-V, Honda Accord, and Jeep Wrangler are most likely to be the cheapest vehicles to insure after getting a DUI. The price for an auto insurance policy will be more costly because of the fact that there is more inherent risk for drivers with a DUI, but in general those particular models will probably have the cheapest car insurance rates available.

Finding decent, reasonably-priced auto insurance is not easy, and figuring out which company quotes the most affordable insurance rates for drivers with a DUI will involve even more rate comparisons. Insurance prices will more than likely be much pricier than the state average, with the higher price attributed to the potentially higher risk related to offering coverage after getting a DUI, but reasonably-priced insurance may be achievable if you do a thorough comparison. Each auto insurer has a unique approach to determine rates, so we’ll take a look at the overall cheapest insurance companies in West Virginia.

Cheap Insurance Rates after a DUI

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Erie normally has some of the cheapest car insurance rates in West Virginia at around $940 each year. The Hartford, State Auto, USAA, and Westfield are also some of the most economical West Virginia car insurance companies.

As illustrated above, if you are insured with USAA and switched to Erie, you may realize a yearly savings of around $347. Drivers with Westfield may save as much as $361 a year, and Progressive customers might reduce rates by $599 a year.

To find the cheapest auto insurance for drivers with a DUI in West Virginia for your vehicle, click here to start your custom quote or quote rates from the companies below.

Bear in mind that those policy rates are averaged for all drivers and vehicles and and are not calculated with a price surcharge for drivers with a DUI. So the auto insurance company that has the lowest price for you may not even be included in the rate chart shown above. That affirms the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Discounts on the cheapest auto insurance for drivers with a DUI in West Virginia

Auto insurance companies that offer coverage for drivers with a DUI may additionally offer special discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. Larger insurance companies and a partial list of their discounts are:

• The Hartford has savings for defensive driver, vehicle fuel type, bundle, good student, driver training, and air bag.
• American Family may have discounts that include TimeAway discount, defensive driver, multi-vehicle, early bird, mySafetyValet, and good driver.
• Progressive offers premium reductions for online signing, continuous coverage, good student, online quote discount, multi-vehicle, homeowner, and multi-policy.
• Travelers includes discounts for multi-policy, driver training, student away at school, good student, multi-car, and save driver.
• Farmers Insurance offers discounts for electronic funds transfer, mature driver, business and professional, teen driver, and bundle discounts.
• USAA offers discounts including good student, vehicle storage, defensive driver, new vehicle, multi-policy, safe driver, and driver training.
• Liberty Mutual discounts include newly married, multi-policy, new graduate, new vehicle discount, exclusive group savings, and newly retired.

The chart below illustrates the difference between premium costs with and without discounts applied to the rates. The data assumes a female driver, no accidents and one citation, West Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, multiple policy, anti-theft, vehicle safety, paperless filing, and homeowner discounts applied. When these discounts are applied to the policy premium, the the amount saved on insurance for drivers with a DUI is 28% or $843.

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The diagram below illustrates how choosing a deductible can influence annual premium costs when searching for cheap insurance for drivers with a DUI. The premiums assume a single female driver, full coverage, and no discounts are taken into consideration.

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The chart above illustrates that a 30-year-old driver could lower their policy premium by $452 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $678 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could potentially save as much as $1,012 annually just by using higher deductibles. When increasing deductibles, it is essential to have additional savings on hand to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Best cheap insurance quotes after getting a DUI

There are quite a few ways to compare insurance quotes in West Virginia, but the most popular are either through a captive (or exclusive) agency such as Auto-Owners or State Farm, an independent or non-exclusive agent, or from a direct company like Progressive. They all have the same basic principle, but they differ slightly in how they provide price quotes.

Independent insurance agents have contracts with multiple insurance companies and can quote your policy with every one. Independent agents are able to provide you with more rate quotes, which can give you a better overall rate comparison. If the agent locates a cheaper price, your agent can just switch to a different company which makes it easier to save money.

An exclusive ageny is limited to just one company, two examples being a State Farm or Farmers agent. These agents normally cannot quote rates from more than one company, so you might not find the best rates.

Drivers who opt to buy insurance direct skip the middleman (the agent) and instead shop direct from companies such as Esurance or Progressive. Shopping direct may be preferred by families who have limited assets and have an above average understanding of the limitations of their policy.

Which method works best to buy the cheapest auto insurance for drivers with a DUI in West Virginia? The obvious answer would be buying from a direct company yields the cheapest rates since there is no middleman, but that is generally not the case. A valid argument could also be made that an independent agent guarantees the best prices since they can quote with many companies, but that assumption is also not necessarily accurate. For some people, exclusive agencies have coverage prices that are the lowest in West Virginia.

Because it’s impossible to say who has the best insurance rates, the only true way to not overpay for insurance is to get quotes and compare the rates. Take some time and get rate quotes from independent agents, exclusive agents, and direct companies to give yourself enough choices. For a list of companies with online discounts, click here to view.

How to get the cheapest auto insurance for drivers with a DUI in West Virginia

The list below details some of the better thrifty suggestions that can help West Virginia drivers locate low-cost auto insurance.

• Be a cautious driver
• At-fault accidents can raise rates significantly
• Having too many claims will increase rates substantially
• Choose a safer vehicle and pay lower rates
• Good credit can save money
• Ensure you have the best deal by shopping around regularly

That last idea is extraordinarily important, as we hit on in the prior article. Prices charged by auto insurers can change in a short period of time, so drivers shouldn’t hesitate to switch to a new company if a lower-cost policy is available.

Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying potentially thousands of dollars a year. It only takes a couple minutes to compare prices to find cheaper auto insurance for drivers with a DUI.