Auto insurance after a DUI in Virginia

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When you are quoted a rate for car insurance, the rate you receive will be based on many different factors. Things that the insurance company takes into consideration can include everything from just your personal factors to factors impacted by all the drivers in your household.

But, either way, your driving history, including tickets and accidents, are used by the insurer in determining your risk profile and, consequently, what your auto insurance premium is. As such, being convicted of a DUI can bring about substantial changes to your premium.

How does a DUI affect your insurance rate?

Insurance companies determine your personal insurance premium based on your driving risk profile and someone with a DUI conviction is considered a high-risk driver. When the insurance company learns of your conviction, your insurance premiums will increase.

While the national insurance rates go up an average of 99%, Virginia rates go up an average of 107% after a DUI conviction. The chart below shows annual rates for full coverage pre-DUI and on a state level to give you an idea of how your rates are affected by a DUI conviction.

National vs state average rates with DUI

Pre-DUI Post DUI Percent increase
National $1,674 $3,336 99%
Virginia $1,304 $2,705 107%

How much does it cost for insurance after a DUI in Virginia?

When an insurance company learns of your DUI conviction, it will adjust your annual premium rates accordingly. And once the DUI shows in your driving history, your insurance company may choose not to renew your policy. This depends on the state where you live and which company you are insured with. If convicted of a DUI in Virginia, generally you have to file a FR-44 certification and carry bodily injury liability coverage at least at $50,000 per person, $100,000 per accident and property damage liability at a minimum of $40,000 per accident. The chart below show the average Virginia full coverage rates before a DUI conviction and after, and may or may not reflect companies who choose not to renew a policy post-conviction.

Virginia provider full coverage rates with DUI

Provider Average full coverage rate Full coverage rate with DUI
Alfa $1,043 $3,802
Allstate $1,421 $2,925
Cincinnati Insurance $1,584 $5,844
Donegal $1,203 $6,314
Electric Insurance Company $3,308 $8,329
Erie $1,025 $1,589
Geico $1,227 $2,292
Kemper $2,386 $2,428
Mercury $1,239 $1,624
MetLife $1,885 $4,204
Nationwide $770 $1,272
Progressive $945 $1,228
State Farm $993 $1,486
Travelers $910 $1,459
USAA $890 $1,626
Virginia Farm Bureau $984 $1,304

Other Virginia DUI consequences

Rising insurance costs aren’t the only consequences you’ll face if you’re convicted of a DUI in Virginia. Like in many states, anyone in Virginia driving with a blood alcohol concentration level of 0.08% or higher can be charged with a DUI.

In Virginia, the first offense could include the following penalties:

  • A fine of at least $250 and up to $2,500
  • Jail time up to 12 months
  • License suspension up to 12 months
  • Ignition interlock device for minimum of six months to drive

If your BAC is between 0.15% and 0.19%, a mandatory minimum sentence to five days in jail will also be included. The jail term doubles if you reoffend within 10 years from the first arrest.

A BAC of 0.20% or higher includes a mandatory minimum of 10 days in jail in addition to the other penalties listed above. These fines, jail time and suspension are in addition to towing and impound fees, alcohol rehabilitation and legal fees.

Virginia also has a law for drivers under the age of 21 called “zero tolerance,” where a BAC of 0.2% or higher can result in a DUI arrest and possible conviction.

FAQ

How long does a DUI stay on your record in the state of Virginia?

A DUI in the state of Virginia could stay on your driving record for 11 years. However, a DUI conviction is also considered a criminal misdemeanor offense. If convicted, the DUI may stay on your criminal record forever.

If there are three offenses in a period of 10 years, you can be charged with and found guilty of a Class 6 felony. This carries a minimum jail sentence of 90 days. If you have three offenses in a five year period, jail time is increased to a minimum of six months and a fine of at least $1,000.

Is DUI a felony or misdemeanor in Virginia?

In the state of Virginia, a DUI is considered a Class 1 misdemeanor criminal offense. This is the highest and most severe level of misdemeanor offense in Virginia. You could be fined up to $2,500 and be sentenced to up to 12 months in jail.

Can a DUI be expunged in Virginia?

If you plead guilty to a DUI, you can not seek expungement on your record in the state of Virginia. However, if the case was dismissed or dropped, you can request the charge be expunged or sealed so it doesn’t impact your life going forward.

Is it better to refuse a DUI test in Virginia?

Some people hold the belief that refusing the breath or chemical test is better than submitting to the test. Virginia operates under the statute of implied consent, where you are required to submit to field sobriety testing if instructed by a police officer.

In Virginia, refusing the test will get you an automatic 12 month license suspension for the first offense, without the possibility of driving privileges during that time with an interlock device. If you refused prior to this arrest in the last 10 years, you could also be found guilty of a misdemeanor, incurring additional fees and jail time.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a DUI, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

*DUI qualifies as > .08 BAC

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.