After getting a DUI, one of the big considerations that aid in calculating the amount you pay for auto insurance is your address. Cities with more crime and/or more people tend to pay slightly more, whereas areas with less congestion benefit from lower prices.
The table below shows the highest-priced areas in Pennsylvania for drivers with a DUI to buy auto insurance in. Philadelphia ranks #1 with an annual rate of $1,997 for the average insurance policy, which is approximately $166 monthly.
|Rank||City||Premium Per Year|
|14||Municipality of Monr||$1,049|
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Rate information is estimated as the vehicle garaging location can raise or lower insurance rates noticeably.
Deciding which companies have the most affordable insurance rates for drivers with a DUI takes a little more sweat in order to find coverage that fits your budget. Each auto insurance company has a different process to set policy rates, so to begin we’ll rank the insurance companies that tend to be cheaper in Philadelphia, PA.
Find Cheaper Car Insurance after a DUI
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,397|
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General Casualty may have some of the cheapest car insurance rates in Philadelphia at around $748 annually. This is $909 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National would also make the list of some of the lowest-priced Philadelphia, PA car insurance companies.
As shown in the rates above, if you are a policyholder with USAA and switched to General Casualty, you might achieve a yearly savings of approximately $37. Insureds with Erie might save as much as $52 a year, and Penn National customers might see rate reductions of $84 a year.
Bear in mind that those premiums are averages across all drivers and vehicles in Pennsylvania and and are not calculated with a specific location for drivers with a DUI. So the auto insurance company that fits you best may not even be in the top 30 companies in the list above. That’s why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
The vehicle driven is a significant factor when consumers are trying to find the best cheap auto insurance for drivers with a DUI. Vehicles with limited top-end speed, a great safety record, or a track record of few liability claims will cost less to insure than high performance models. The list below estimates auto insurance costs for a handful of the cheaper automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$6,287|
|Honda CR-V EX-L 2WD||$7,030|
|Honda Accord EX-L 4-Dr Sedan||$7,305|
|Hyundai Elantra SE Touring Station Wagon||$7,437|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$7,622|
|Ford Focus SE 4-Dr Sedan||$7,788|
|Honda Civic DX 4-Dr Sedan||$7,795|
|Volkswagen Jetta SE 2.5 Station Wagon||$7,911|
|Chevrolet Equinox LT 2WD||$7,939|
|Dodge Grand Caravan Hero||$7,946|
|Toyota Tacoma Double Cab 4WD||$7,939|
|Ford Edge SEL 2WD||$7,944|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$8,095|
|Ford Explorer Limited 2WD||$8,102|
|Toyota RAV4 Sport 2WD||$8,114|
|Toyota Camry LE||$8,122|
|Honda Odyssey EX-L||$8,389|
|Nissan Rogue S 2WD||$8,488|
|Kia Optima LX||$8,495|
|Toyota Camry Hybrid||$8,517|
|Nissan Altima 2.5 S 2-Dr Coupe||$8,523|
|Chevrolet Impala LTZ||$8,522|
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Data based on single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in your specific Philadelphia, PA location which can influence coverage prices substantially.
Looking at the rates, you can assume that makes and models like the Ford Escape, Toyota Prius, Honda CR-V, and Honda Accord should be the most affordable vehicles to insure after getting a DUI. The price of auto insurance will be more expensive just because there is more claim risk for drivers with a DUI, but generally speaking those vehicles will have the best insurance prices compared to all other vehicles.
Reckless driving habits raise insurance rates
In a perfect world, the best way to receive cheap insurance rates in Philadelphia after getting a DUI is to drive cautiously and avoid traffic citations and accidents. The illustration below highlights how traffic violations and at-fault accidents can increase insurance costs for different ages of insureds. The data assumes a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of a car insurance policy in Pennsylvania per year with no violations or accidents is $1,981. Factor in two speeding tickets and the average cost jumps to $2,827, an increase of $846 each year. Now add two accidents along with the two speeding tickets and the annual cost of insurance for drivers with a DUI goes up to an average of $5,808. That’s an increase of $3,827, or $319 per month, just for being a less-than-perfect driver!
The example below illustrates how your choice of deductibles can increase or decrease yearly insurance costs when quoting cheap insurance for drivers with a DUI. The price estimates are based on a married female driver, full coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could pocket $314 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $472 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could potentially save $668 annually by choosing a higher deductible. When raising deductibles, it will be important to have enough savings to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Insuring your vehicle with a high-quality auto insurance company is difficult considering how many companies sell insurance in Philadelphia. The company ratings shown next may help you analyze which car insurance companies to look at when comparing rate quotes.
These ratings are for large insurance companies, so smaller companies that only insure vehicles in Pennsylvania are not taken into consideration for these rankings. If you wish to compare prices from these and other competitive companies, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The benefits of price comparisons
Pennsylvania insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Simply improving your credit, buying a new vehicle, or getting a few speeding tickets can cause premium changes that can now make some companies cheaper than others.
In addition, companies amend premium rates without warning as an adjustment for underwriting gains or losses. Unexpectedly high claims can cause increased policy costs, while better underwriting can produce cheaper Philadelphia car insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with a good driving record, no prior claims, and a good credit rating. When quoting prices based on his personal profile, General Casualty has the most affordable car insurance rates in Philadelphia at $1,770 a year. This is $113 more than the average price paid by Pennsylvania drivers of $1,657. Erie, USAA, Travelers, and Penn National are the remainder of the cheapest Philadelphia, PA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates a chargeable claim, a little lower credit rating, and a blemish on his driving record. Since every car insurance company uses a different method for determining rates in each state, comparing quotes could now result in a different ranking of affordable Philadelphia car insurance companies as shown below.
Amica now has the lowest car insurance rate in Philadelphia with Atlantic States, Donegal Mutual, Erie, and Allied now being in the top five. This shows why it is important to do a thorough rate comparison to get the most economical insurance rates for drivers with a DUI. Rates consist of many factors and can decrease or increase without notice, so the best company the last time you checked may now be one of the higher cost companies.