How Much is Car Insurance for Drivers with a DUI in Virginia Beach?

Finding dependable, low-priced car insurance is easier said than done, and figuring out which companies have the most affordable car insurance rates for drivers with a DUI calls for even more rate comparisons.

Each insurance company uses slightly different criteria for determining rates, so let’s begin by taking a look at the car insurance companies with the overall cheapest rates in Virginia Beach, VA. It’s important to understand that Virginia Beach car insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Things like getting older, buying a newer car, or getting a few speeding tickets may prompt premium changes that can make some companies cheaper in comparison to the competition.

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Rankings for the cheapest car insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $659
2 USAA $709
3 Cincinnati Insurance $733
4 Penn National $740
5 Erie $788
6 Utica National $788
7 Auto-Owners $788
8 The Hartford $801
9 Virginia Farm Bureau $826
10 Donegal Mutual $852
11 Nationwide $963
12 Allied $1,022
13 ALFA $1,028
14 GEICO $1,036
15 National Grange Mutual $1,071
16 State Farm $1,110
17 Chubb $1,134
18 Electric $1,192
19 Progressive $1,222
20 Amica $1,241
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Travelers quotes some of the cheapest car insurance rates in Virginia Beach at around $659 annually. USAA, Cincinnati Insurance, Penn National, and Erie are also some of the more affordable Virginia Beach, VA car insurance companies.

In the above example, if you are currently insured with Erie and switched to USAA, you may realize a yearly price reduction of around $79. Virginia drivers with Utica National might save as much as $79 a year, and Auto-Owners insureds might reduce prices by as much as $79 a year.

To find the cheapest rates for your vehicle, click here to begin a quote or feel free to get quotes from the companies below.

It’s important to note that these policy rates are averaged across all drivers and vehicles in Virginia and and are not calculated with a vehicle location for drivers with a DUI. So the car insurance company that has the cheapest price for you may not even be in the top 30 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

After getting a DUI, one of the largest considerations that aid in calculating car insurance rates is your address. Areas with more people or more claims will most likely pay more, whereas more rural areas tend to receive cheaper rates.

The illustration below sorts the most expensive areas in Virginia for drivers with a DUI to purchase car insurance in. Virginia Beach is ranked at #17 costing $920 for the average policy, which is approximately $77 monthly.

How much is auto insurance in Virginia Beach, VA?
Rank City Annual Rate
1 Lake Ridge $1,042
2 Dale City $1,038
3 Centreville $1,037
4 Burke $1,026
5 McLean $1,025
6 Alexandria $1,016
7 Richmond $1,005
8 Norfolk $990
9 Arlington $983
10 Portsmouth $972
11 Hampton $963
12 Reston $954
13 Newport News $948
14 Tuckahoe $939
15 Chesapeake $935
16 Danville $922
17 Virginia Beach $920
18 Charlottesville $913
19 Suffolk $910
20 Leesburg $895
21 Ashburn $893
22 Lynchburg $843
23 Roanoke $823
24 Harrisonburg $808
25 Blacksburg $799
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Price information shown is comparative as the garaging address in Virginia Beach can affect insurance rates significantly.

The vehicle model you are insuring is probably the largest consideration when shopping for the best cheap insurance for drivers with a DUI. Vehicles with limited top-end speed, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than high performance models.

The table below outlines auto insurance costs for some of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Virginia Beach, VA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,471
Hyundai Elantra SE Touring Station Wagon $1,565
Toyota Prius $1,599
Ford F-150 STX Regular Cab 4WD $1,610
Ford Explorer XLT 2WD $1,617
Honda CR-V EX-L 2WD $1,626
Toyota Tacoma 2WD $1,672
Chevrolet Malibu Hybrid $1,704
Chevrolet Equinox LS 2WD $1,710
Chevrolet Impala LT $1,704
Dodge Grand Caravan CV $1,781
Honda Odyssey LX $1,831
Ford Focus S 4-Dr Sedan $1,847
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,879
GMC Sierra SLE Regular Cab 2WD $1,884
Volkswagen Jetta 2.0T Station Wagon $1,966
Toyota RAV4 Limited 4WD $1,977
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Prices above based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can impact prices significantly.

Looking at the data, we can tell that models like the Ford Escape, Hyundai Elantra, Toyota Prius, and Ford F-150 are most likely to be a few of the cheapest vehicles to insure after getting a DUI. The cost of auto insurance will be more costly because there is a higher risk for drivers with a DUI, but in general those vehicles will tend to have the lowest prices that you are likely to find.

Safe drivers pay cheaper rates

In a perfect world, the ideal way to find affordable car insurance premiums in Virginia after getting a DUI is to drive safe and maintain a clean driving record. The chart below shows how traffic citations and accidents can impact car insurance costs for different age categories. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

The data charted above shows the average cost of car insurance in Virginia Beach per year with no accidents or violations is $1,522. Add in one speeding ticket and the average cost rises to $1,773, an increase of $251 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for drivers with a DUI increases to an average of $3,886. That’s an increase of $2,364, or $197 per month, just for not driving attentively!

Get discount Virginia Beach auto insurance rates

Discounts on car insurance for drivers with a DUIInsurers that provide policies for drivers with a DUI may also offer discounts that could lower prices by as much as 25% or more if you can meet the requirements. Large car insurance companies and some of the premium reductions they offer are:

The diagram below visualizes the comparison of insurance rates with and without policy discounts. The costs are based on a male driver, two speeding tickets and no accidents, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, vehicle safety, marriage, homeowner, paperless filing, and passive restraint discounts applied. With discounts applied, the average amount saved each year on car insurance for drivers with a DUI is 28% or $668.

Tips for finding budget-friendly auto insurance for drivers with a DUI

The list below details a few money-saving solutions that can help Virginia Beach drivers quote more affordable car insurance.

The last tip in the list is extraordinarily crucial, as we pointed out in this article. Car insurance rates in Virginia Beach adjust frequently, so don’t be unwilling to buy from a new company if you find a better deal. Being loyal to a particular company is commendable, but it’s not recommended if that dedication is costing a small fortune. If you have a few minutes, shop around and find cheaper auto insurance for drivers with a DUI.