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.
Find the Cheapest Car Insurance after a DUI
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$826|
|15||National Grange Mutual||$1,071|
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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.
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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.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,471|
|Hyundai Elantra SE Touring Station Wagon||$1,565|
|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
Insurers 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:
- State Farm offers discounts for passive restraint, driver’s education, anti-theft, defensive driving training, good student, and multiple autos.
- American Family has savings for Steer into Savings, TimeAway discount, mySafetyValet, early bird, defensive driver, good driver, and accident-free.
- AAA may have discounts that include pay-in-full, AAA membership discount, multi-car, education and occupation, anti-theft, and multi-policy.
- GEICO offers premium reductions for driver training, good student, daytime running lights, air bags, and defensive driver.
- Mercury Insurance offers discounts including age of vehicle, multi-car, professional/association, accident-free, and type of vehicle.
- Farmers Insurance includes discounts for multi-car, good student, pay in full, electronic funds transfer, early shopping, business and professional, and teen driver.
- Progressive discounts include online quote discount, good student, continuous coverage, homeowner, and online signing.
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.
- Serious violations like DUI or reckless driving can increase rates dramatically
- Accident-free drivers may qualify for discounts
- Increase physical damage deductibles
- Remove physical damage coverage on older vehicles
- Do not file small claims
- Shop around for cheaper prices often
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.