Car Insurance After a DUI in Washington: Cheapest Companies & Rates (2026)
A DUI in Washington increases car insurance rates by an average of 78%, raising a typical full coverage policy from $1,764/year to $3,140/year. That's an increase of $1,376/year ($115/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Washington
Before DUI
$147/mo
$1,764/year full coverage
After DUI (+78%)
$262/mo
$3,140/year full coverage
Cheapest Companies After DUI in Washington
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $194/mo | $2,324/yr | Military families |
| Erie Insurance | $207/mo | $2,481/yr | Rate lock guarantee |
| GEICO | $215/mo | $2,575/yr | Clean driving record |
| Progressive | $230/mo | $2,763/yr | Telematics savings |
| State Farm | $238/mo | $2,857/yr | Good students |
| Travelers | $249/mo | $2,983/yr | Multiple discounts |
| Nationwide | $272/mo | $3,266/yr | Bundling home + auto |
| Farmers | $283/mo | $3,391/yr | Signal telematics |
| Allstate | $293/mo | $3,517/yr | Accident forgiveness |
| Liberty Mutual | $309/mo | $3,705/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Washington, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Washington
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Washington
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Washington
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $262/mo | +78% |
| Year 1 | $250/mo | +70% |
| Year 2 | $233/mo | +59% |
| Year 3 | $204/mo | +39% |
| Year 5 | $170/mo | +16% |
| Year 7 | $147/mo | Normal |