Washington D.C. Car Insurance with a DUI

If you happen to get a DUI in the District of Columbia, your auto insurance is going to get more expensive — it's just a question of by how much.

How will a DUI affect auto insurance in Washington, D.C.?

In D.C., a DUI will lift your annual car insurance rate by an average of $999. That's 10% less than the United States average premium hike following a DUI.

AreaAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Washington, D.C.$1,383$2,381+72%
United States$1,548$2,556+65%

Purchasing auto insurance in the District of Columbia after a DUI conviction

Getting cheap auto coverage after a DUI violation is anything but an easy task. In fact, a DUI typically leads to a larger premium increase than any other driving transgression — more than racing, reckless driving, or an at-fault accident.

Low-cost car insurance with a DUI in Washington, D.C.

If you've been convicted of a DWI or DUI violation in D.C., it’s important to examine your insurance options judiciously. Car insurance prices after a DUI often vary widely by company. For instance, the least expensive auto insurance company with a DUI in the nation's capital, State Farm, offers annual rates 24% better than the state mean insurance price with a DUI. The next-most affordable choice for auto insurance after a DUI in the District of Columbia is USAA, while the most expensive firm is Allstate, with prices 69% above average.

Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,809

There’s no auto insurance company, in particular, offering inexpensive DUI car insurance. The easiest way to save after a DUI conviction is to compare policies.

Compare car insurance quotes online or contact your insurance agent to assess the choices and find a relatively cheap DUI insurance policy.

Learn more about car insurance and DUI infractions.

Save money on DUI car insurance by shopping around!

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Washington, D.C., DUI laws

Drivers in Washington, D.C. are driving while intoxicated, or DWI, when their blood alcohol concentration measures 0.08% or higher. Commercial drivers are DWI in Washington, D.C. if their BAC reads 0.04% or higher.

It is also possible to be considered driving under the influence, or DUI, in Washington, D.C. if a driver's BAC measures 0.07% or below, but they also exhibit impaired behavior.

Underage drivers are DWI in Washington, D.C. with any detectable or suspected intoxicant in their system.

DWI/DUI Penalties in Washington, D.C.

The DWI/DUI lookback period in Washington, D.C. is 15 years. Multiple DWI/DUI offenses within this timeframe result in harsher penalties and fines. Penalties are also enhanced for DWI with a BAC of 0.20% or higher, DWI/DUI while transporting a minor, or for possessing prohibited drugs.

First-time DWI/DUI offenses in Washington, D.C. lead to:


  • Up to 180 days in jail
  • $1,000 in fines
  • License revocation for six months

A second DWI/DUI offense in Washington, D.C. results in:

  • 10 days to one year in jail
  • $2,500 to $5,000 in fines
  • License revocation for one year

Third-time DWI/DUI offenders in Washington, D.C. are subject to:

  • 12 days to one year in jail
  • $2,500 to $10,000 in fines
  • License revocation for two years

Penalties for four or more DWI/DUI offenses in Washington, D.C. are:

  • 45 days to one year in jail (plus an additional 30 days for each subsequent offense)
  • $2,500 to $10,000 in fines
  • License revocation for at least five years

In addition to the above penalties, courts may also require the installation and use of an ignition interlock device for a period of time.

DWI/DUI Penalties for Underage Drinkers in Washington, D.C.

Drivers under the age of 21 are considered DWI in Washington, D.C. with any measurable amount of alcohol in their system. In addition to the above penalties, underage DWI offenders are subject to a license revocation period of six months to one year.

There are also additional fines and penalties for underage drivers in possession of a fake ID, lying about their identification or age, or who are found consuming alcohol.

Sources and references:



Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.