Key Takeaways
Your car insurance will cost more if you are found guilty of DUI in Washington. The only question is how much more.
For people in Washington whose licenses are stopped because they were found guilty of DUI, their car insurance may end, or their rates may increase greatly. If you get a DUI, your full coverage car insurance will cost more than 73% each year, going from $1,213 to $2,102.
In Washington, getting a DUI will add an average of $616 to your car insurance yearly. That's 80% less than the average increase in premiums in the U.S. after a DUI.
| Area | Avg. Annual Rate - no DUI | Avg. Annual Rate - with DUI |
|---|---|---|
| Washington | $1,374 | $1,984 |
| United States | $1,157 | $2,562 |
State Farm and Progressive offer the cheapest car insurance after a DUI across the country. These car insurance companies also offer the cheapest rates for people in Washington who have been charged with DUI.
The following insurance companies in Washington offer the best full-coverage car insurance for people who have been drinking and driving:
| Company | Annual Premium |
|---|---|
| State Farm | $1,049 |
| Progressive | $1,193 |
| PEMCO | $1,320 |
| USAA | $1,337 |
| Allstate | $1,520 |
These are the companies where you can find low-cost car insurance deals for basic coverage car in Washington for people who have been arrested for DUI:
| Company | Minimum Annual Premium |
|---|---|
| State Farm | $556 |
| Progressive | $572 |
| USAA | $700 |
| PEMCO | $794 |
| Allstate | $923 |
It's not easy to get cheap car insurance after being convicted of DUI. A DUI often leads to a bigger rate rise than any other traffic violation, even more than racing, careless driving, or an accident where you were at fault.
If you are found guilty of DUI or DWI in Washington, you need to think about your insurance options carefully. Prices for car insurance after a DUI can vary greatly from one company to the next. For example, State Farm advertises annual rates that are 36% less expensive than the state average insurance premium after a DUI conviction. They are Washington's best-reviewed car insurance carriers for people with a DUI. PEMCO Insurance has the second-cheapest car insurance rates in Washington after a DUI. Farmers, on the other hand, have the most expensive rates, which are 50% higher than the average. If you get a DUI in Washington and need car insurance, Country is the next least expensive option. Allstate is the most expensive, with prices 49% above the average.
| Insurance Company | Avg. Annual Rate - with DUI |
|---|---|
| State Farm | $1,282 |
| PEMCO | $1,316 |
| Progressive | $1,559 |
| USAA | $1,894 |
| Allstate | $2,259 |
| Liberty Mutual | $2,824 |
After getting a DUI, you become a high-risk driver, so the average annual cost of full coverage insurance in Washington goes up by over 73%, from $1,213 to $2,102. To see which providers fit your budget compare the quotes from multiple carriers.
If you get a DUI, the higher cost of your insurance may not seem like a big deal compared to the other, more serious consequences. Different states have different penalties, but we have listed Washington's DUI rules and penalties below.
You can be convicted of DUI while driving under the influence of drugs or drinks if any of the following apply:
People who get a DUI in Washington are punished harshly, especially if they do it again. The state lets judges increase your sentence if your BAC is more than 0.15%. You could spend up to a year in jail for this crime.
If you fail a breath or blood test for the first time, your license will be taken away for 90 days, no matter how good the result is, as long as it is at or above the legal limit. If you refuse to pay for something for the first time, you will lose your license for one year.
In Washington State, you have seven years to clear a DUI. If someone is held driving under the influence more than once in this time range, they will face harsher penalties and fines.
Also, the punishments get worse if you have a BAC of 0.15% or more, a DUI with a passenger under 16 years old, or if you drive recklessly or carelessly.
The sentence includes a jail sentence of 24 hours to 364 days, fines ranging from $940.50 to $5,000, a 90-day license suspension, and a potential requirement to use an interlock ignition device.
The sentence includes a 30-to-364-day jail sentence, fines ranging from $1,195.50 to $5,000, and a two-year license revocation, with a potential requirement to use an Individual Identification Device for at least five years.
The sentence includes 90 to 364 days in jail, fines ranging from $2,045.50 to $5,000, license revocation for three years, and a potential requirement to use an IID for at least ten years.
Along with the above punishments, a judge may also order DUI violators to go through a treatment program, an alcohol or drug education program, or the 24/7 Sobriety Program.
In Washington, a driver under 21 with a BAC of less than 0.08% is still guilty of DUI. You could go to jail for up to 90 days and have to pay a fine of up to $1,000. A person under 21 who gets a DUI may not be able to drive again until they turn 21.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Most of the time, a DUI in Washington State is considered a gross misdemeanor. A conviction for DUI or physical control stays on your record forever.
No matter who was at fault or whether you were drunk or high, your policy may cover any accident up to the limits of said insurance. You should talk to your insurance company personally because Washington law doesn't require them to keep covering DUI offenders. They may decide not to renew your insurance or cancel it.
When someone gets a DUI in Washington, their full-coverage car insurance costs over 73% more each year, or $2,096. People who have never been in a car accident pay only $1,207 for the same policy.
People in Washington who want to find the cheapest car insurance after a DUI charge usually go with State Farm or Progressive. Also, State Farm is the best car insurance company in Washington for people with a DUI. This is true for both full coverage and minimum coverage plans.
Because of Washington's seven-year look-back term, your car insurance rates may be higher for the next few years. But it's important to remember that the price of your car insurance is always based on your choices and needs.
Most people know that it can be hard to get the right car insurance after a DUI. Look into rates to find the best insurance company for your needs.
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