After a DUI, Nationwide's premiums increased by more than $1,300 to become the third-most-expensive company, while Liberty Mutual became the cheapest. While Liberty Mutual isn't the cheapest auto insurer without a DUI, the $785 increase is the smallest financial penalty for drinking and driving. This is why it’s important to not become complacent with your insurance company. Just because Nationwide was the cheapest insurance company before a DUI doesn't mean things will stay as-is with a serious violation on your record.
Part of why car insurance quotes are so confusing is because car insurance itself is confusing. For starters, there are different types of coverage. Some are required by law; some are not. And the specifics vary by state. We’ve got a full explainer on how car insurance works right here. But, since it’s so crucial to understanding your quotes, here’s an overview of the major components of an auto insurance policy — and what they cover.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.