Cheapest Car Insurance for Drivers with a DUI in Virginia

Cheapest Car Insurance for Drivers with a DUI in Virginia

You have surely seen all the commercials from insurers like The General and Liberty Mutual claiming enormous savings, so drivers just need to choose the one with the best commercial, right?

It’s just not that easy, however, as there are a whole bunch of unknown factors such as if you had any at-fault accidents in the last few years, where you live in Virginia, and if you are married or single. This article will discuss the types of situations that result in high rates and will hopefully give you a solid foundation to find cheaper car insurance.

Finding good, low-cost car insurance is not easy, and finding out which company quotes the best car insurance rates for drivers with a DUI takes a bit more work. Insurance rates should be much pricier than the average price in Virginia attributed to the potentially higher risk related to offering insurance after getting a DUI, but reasonably-priced coverage should be available with a little diligence.

Every insurance provider uses slightly different criteria for determining rates, so let’s take a look at the car insurance companies with the overall best prices in Virginia. Keep in mind that Virginia car insurance rates are based on many factors which can substantially change the price you pay. This price fluctuation is why consumers need to compare rates when trying to find affordable car insurance rates for drivers with a DUI. Insurance prices are influenced by many risk factors and can decrease or increase without notice, so the most affordable company six months ago may now be quite expensive.

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Rankings for the cheapest car insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $653
2 USAA $688
3 Penn National $718
4 Cincinnati Insurance $733
5 Utica National $758
6 The Hartford $777
7 Auto-Owners $788
8 Erie $804
9 Virginia Farm Bureau $810
10 Donegal Mutual $886
11 Nationwide $963
12 Allied $982
13 GEICO $1,026
14 ALFA $1,028
15 National Grange Mutual $1,060
16 State Farm $1,143
17 Chubb $1,145
18 Electric $1,216
19 Amica $1,229
20 Progressive $1,259
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Travelers may offer some of the cheapest car insurance rates in Virginia at around $653 a year. USAA, Penn National, Cincinnati Insurance, and Utica National would also be considered some of the best Virginia insurance companies.

As the rates illustrate above, if you are currently insured with Penn National and switched to Travelers, you may see an annual premium reduction of in the neighborhood of $65. Virginia drivers with Cincinnati Insurance might save as much as $80 a year, and Utica National customers might realize rate reductions of up to $105 a year.

To find out how much you can save, click here or click several companies below for low rates.

Remember that these estimates are averaged for all ages of drivers and types of vehicles and and are not figured with a rate increase for drivers with a DUI. So the company that has the lowest price for you may not even be featured in the rate chart shown above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

When shopping for cheaper car insurance after getting a DUI, one of the many criteria that determine the cost of insurance is where your home is located in Virginia. Cities with larger populations like Dale City, Lake Ridge, and Arlington tend to pay higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The information below sorts the highest-priced areas in Virginia for drivers with a DUI to purchase auto insurance in.

How much does auto insurance cost in Virginia?
Rank City Annual Rate
1 Dale City $1,038
2 Burke $1,037
3 Lake Ridge $1,032
4 Alexandria $1,016
5 Arlington $1,003
6 Centreville $997
7 McLean $995
8 Richmond $975
9 Portsmouth $972
10 Norfolk $970
11 Reston $963
12 Danville $950
13 Virginia Beach $948
14 Newport News $948
15 Hampton $943
16 Suffolk $937
17 Tuckahoe $929
18 Leesburg $922
19 Ashburn $920
20 Charlottesville $913
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Information shown are approximated as the specific Virginia residence address can lower or raise premiums significantly.

The example below shows how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for drivers with a DUI. The prices are based on a married male driver, full coverage, and no policy discounts are applied.

The data above shows that a 50-year-old driver could cut expenses by $214 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $322 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could lower their rates $716 or more by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough spare savings to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Insuring your vehicle with the highest-rated car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Virginia. The company ratings in the next section could help you choose which insurers to look at comparing prices from. The rankings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies will not be included in this list.

Top 10 Major Auto Insurance Providers in Virginia Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. Erie Insurance
  9. Esurance
  10. The General

Top 10 Major Auto Insurance Providers in Virginia Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance