DUI Car Insurance in Arizona: Costs, Laws, and Cheapest Companies (2026)
Drivers in Arizona with a DUI pay an average of $179 per month for car insurance.
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Written byTaylor Milam-Samuel
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Quick Facts
In Arizona, the cost of full coverage increases by 39% after a DUI, with average rates of $230 per month.
Just Pay-Per-Mile has the lowest liability coverage rate in Arizona for drivers with a DUI, at $69 per month.
After a DUI-related license suspension in Arizona, you must file and maintain an SR-22 for three years.
Cheapest car insurance quotes after a DUI in Arizona
Arizona drivers with a DUI pay an average of $129 per month for liability-only coverage and $230 per month for full coverage. Just Pay-Per-Mile has the lowest rate for Arizona drivers with a DUI, at $69 per month for liability insurance.
The table below shows rates from the cheapest insurers in Arizona for drivers with a DUI.
The below rates in Arizona are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $67 |
| Just Pay-Per-Mile | $69 |
| Mile Auto | $84 |
| State Farm | $85 |
| Progressive | $89 |
| Sun Coast | $90 |
| Novo Flex | $95 |
| USAA | $95 |
| Aspire General | $96 |
| Certainly | $97 |
| Novo Next | $100 |
| The General | $102 |
| Novo | $109 |
| Mercury | $113 |
| Allstate | $116 |
| Just Unlimited | $116 |
| GEICO | $117 |
| Hiroad | $119 |
| Direct Auto | $122 |
| Bristol West | $124 |
| National General | $129 |
| Safeco | $130 |
| Dairyland | $132 |
| Clearcover | $133 |
| Trexis | $137 |
| AssuranceAmerica | $138 |
| Commonwealth Casualty | $138 |
| GAINSCO | $141 |
| Travelers | $148 |
| Covercube | $157 |
| Mendota | $158 |
| American Family | $161 |
| Insurify Car | $162 |
| Country Financial | $163 |
| First Acceptance | $165 |
| Farmers | $174 |
| The Hartford | $179 |
| Root | $196 |
| Liberty Mutual | $198 |
| Hugo | $198 |
Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Arizona After a DUI
Liability policies average $129/mo.
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How a DUI affects car insurance rates in Arizona
Getting a DUI in Arizona can increase your car insurance rates by about 39%, according to Insurify data, but the actual amount can vary based on several factors.
If you have previous DUIs within the past seven years, your rates will go up even more.
Underage drivers face zero-tolerance laws, so a DUI can make teen and young adult rates even higher.
Full-coverage policies have a bigger price increase than liability-only policies.
The chart below shows how average Arizona insurance costs change before and after a DUI for liability-only policies.
The below rates in Arizona are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Average Liability-Only Rates: With DUI vs. Without DUI
Insurance Company | With DUI | Without DUI |
|---|---|---|
| Auto-Owners | $67 | $49 |
| Just Pay-Per-Mile | $69 | $49 |
| Mile Auto | $84 | $59 |
| State Farm | $85 | $60 |
| Progressive | $89 | $63 |
| Sun Coast | $90 | $64 |
| Novo Flex | $95 | $67 |
| USAA | $95 | $67 |
| Aspire General | $96 | $68 |
| Certainly | $97 | $69 |
| Novo Next | $100 | $71 |
| The General | $102 | $74 |
| Novo | $109 | $77 |
| Mercury | $113 | $75 |
| Allstate | $116 | $82 |
| Just Unlimited | $116 | $82 |
| GEICO | $117 | $82 |
| Hiroad | $119 | $84 |
| Direct Auto | $122 | $86 |
| Bristol West | $124 | $87 |
| National General | $129 | $91 |
| Safeco | $130 | $83 |
| Dairyland | $132 | $93 |
| Clearcover | $133 | $97 |
| Trexis | $137 | $97 |
| AssuranceAmerica | $138 | $97 |
| Commonwealth Casualty | $138 | $98 |
| GAINSCO | $141 | $99 |
| Travelers | $148 | $104 |
| Covercube | $157 | $111 |
| Mendota | $158 | $112 |
| American Family | $161 | $118 |
| Insurify Car | $162 | $115 |
| Country Financial | $163 | $117 |
| First Acceptance | $165 | $117 |
| Farmers | $174 | $122 |
| The Hartford | $179 | $121 |
| Root | $196 | $138 |
| Liberty Mutual | $198 | $139 |
| Hugo | $198 | $140 |
Best car insurance companies after a DUI in Arizona
Choosing the best insurance company after a DUI in Arizona depends on your driving record, your budget, and how soon you need an SR-22. Below are some top options based on rates, coverage offerings, verified user reviews, and third-party industry ratings.
Progressive: Best for SR-22 insurance
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing 75 reviews from Arizona driversSee all 9,069 Progressive reviews
Verified Review
Reviewed in Arizona on September 4, 2026
Be careful if you receive online statements only—they may increase your coverage at renewal time without follow-up emails, especially if you have autopay.
Verified Review
Reviewed in Arizona on August 29, 2026
I’ve been very happy with Progressive. I’m switching next year because it will cover me while I’m in Mexico.
Verified Review
Reviewed in Arizona on August 23, 2026
I no longer have Progressive. My policy was switched to Liberty Mutual, and I’m saving more.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive offers an online guide for drivers with a DUI, and the company can file Arizona SR-22 forms directly with the state. It’s one of the more affordable choices for Arizona drivers with a DUI, and it also earns solid customer ratings.
Pros
Dedicated DUI and SR-22 guide with filing assistance
Some of the cheapest DUI full-coverage rates in Arizona
Name Your Price tool helps you stick to a budget
Cons
Accident forgiveness not available after a DUI
Optional Snapshot program can raise your rate at renewal if your driving is risky
Rates vary whether you buy in person, online, or over the phone
State Farm: Best for local agent support
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.1
Best choice in ArizonaBased on 21,033 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing 70 reviews from Arizona driversSee all 8,096 State Farm reviews
Verified Review
Reviewed in Arizona on September 7, 2026
First, I had to pick something above for claims, but I’ve never had a claim. Next, State Farm has raised rates so much it’s crazy. I drive under 100 miles a year, so no insurance is priced right for my habits. But I lease and need full insurance with high limits. I have an 850 FICO score, no claims in 20 years, and only one driver. I dropped State Farm for Progressive.
Verified Review
Reviewed in Arizona on September 7, 2026
I won’t refer a friend. I just received my six-month renewal, and my premium went up $100.
Verified Review
Reviewed in Arizona on September 1, 2026
Excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers a special discounts page for Arizona and has agents across the state who can help you file an SR-22 in person. The company’s DUI rate is about the same as the state average.
Pros
High Insurify Quality (IQ) Score
Discounts for Arizona drivers
Advertises savings of up to 30% with the Drive Safe & Save telematics program
Cons
Not the cheapest insurer in Arizona
Doesn’t offer gap coverage
Vehicle safety discount can’t offset a DUI surcharge
Auto-Owners: Best for cheap rates after a DUI in Arizona
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
4.3
Best choice in ArizonaBased on 364 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing recent national reviewsSee all 158 Auto-Owners reviews
Verified Review
Reviewed in South Carolina on September 12, 2026
An excellent company that responds!!
Verified Review
Reviewed in Florida on September 7, 2026
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners offers some of the lowest DUI rates in Arizona. You can also find unique insurance options, like gap and diminished value coverage. Working with one of Auto-Owners’ independent agents is helpful if you prefer personal, face-to-face support. But it might be a drawback if you prefer to handle everything online.
Pros
Cheap DUI full-coverage rates in Arizona
At-fault accident forgiveness available as an add-on
Multiple coverage options
Cons
No direct online quotes
Accident forgiveness requires no major violations in the past 36 months
No SR-22-specific guidance
How we chose the best companies
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with a DUI in Arizona. We also weighed rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
How to get car insurance after a DUI in Arizona
If you’ve had a DUI, you’ll need to follow certain steps and meet state rules before you can get coverage again:
Shop for the best rates. Look at different high-risk insurance companies. Prices can be different for people with a DUI, so check with companies that clearly offer SR-22 filing and DUI coverage.
File the form. In Arizona, you must get an SR-22 after a DUI suspension. Have your insurer file the SR-22 with the Motor Vehicle Division (MVD). In Arizona, you need to keep the SR-22 active for three years.[1]
Follow the requirements. To get your license back, pay the Arizona Department of Transportation fees, turn in any court paperwork, finish any required alcohol or drug screening, and install an ignition interlock device.[2]
Get creative about lower rates. You can lower your costs by raising your deductible, dropping extra coverage for a while, or joining a telematics program to save money over time.
DUI laws in Arizona
In Arizona, a DUI is considered a serious crime. The penalties depend on your blood alcohol level and past convictions. But each DUI also goes on your driving record and requires you to meet state insurance-filing rules.
Arizona’s DUI penalties
Arizona has different DUI charges based on your blood alcohol concentration.[3] For a standard DUI (0.08%–0.149%), you must use an ignition interlock device for 12 months and attend Traffic Survival School.
An “extreme” DUI (0.15%–0.199%) has the same interlock requirement. A “super extreme” DUI (0.20% or higher) means 18 months with an interlock device for a first offense and 24 months if you get a second offense within seven years.
If you get a second DUI in seven years, the state will revoke your license for one year. A third DUI in seven years leads to a three-year revocation. Each DUI conviction also adds eight points to your driving record.
How long a DUI stays on your record in Arizona
A DUI conviction stays on your criminal record permanently in Arizona. It stays on your MVD driving record for five years from the date of conviction.[4] It also makes penalties for future DUIs more severe.
Arizona SR-22 requirements
The Arizona Department of Transportation requires you to keep an SR-22 for three years after a DUI-related suspension, but judgment suspensions may be different.
The SR-22 isn’t a type of insurance. It’s a certificate your insurer sends to the Motor Vehicle Division to show you have the minimum required coverage. If your insurance lapses while the SR-22 is active, your insurer must tell the MVD, and the state can suspend your license again.
Minimum car insurance requirements in AZ after a DUI
The minimum liability coverage in Arizona is $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage (25/50/15).[5] Getting a DUI doesn’t increase these minimums, but you need to file an SR-22 to prove you have coverage for three years. A DUI adds eight points to your permanent driving record, and the SR-22 requirement increases your monthly premium.
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Drivers with a DUI pay $230/mo. for full coverage
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How to lower DUI insurance costs in Arizona
A DUI will raise your Arizona premium, but following these steps can help you lower your costs:
Get multiple quotes. Compare quotes from different insurers. Rates can vary even in the same city. For instance, in Phoenix, full coverage after a DUI can cost anywhere from $157 to $435 per month, according to Insurify data.
Take a defensive driving course. While Arizona requires Traffic Survival School after a DUI, this is different from a voluntary defensive driving class. Some insurers, like GEICO, offer a discount of up to 10% for voluntarily completing an approved course, but you must be at least 50 years of age to be eligible.
Consider raising your deductible. Even though you’d pay more out of pocket if you file a claim, your monthly payments would be lower. You can also use programs like Progressive’s Deductible Savings Bank, which reduces your deductible by $50 for each policy period without violations or claims, to save even more.
Switch to liability-only coverage. Once your car is paid off, you aren’t required to keep full coverage anymore. Insurify data shows that 68% of Arizona drivers own their cars outright. Switching to liability-only coverage after a DUI can save you about $135 per month in Phoenix and $67 per month in Lake Havasu City.
Sign up for a telematics program. Telematics programs reward safer, lower-mileage driving and can help reduce the extra costs from a DUI.
DUI car insurance in Arizona FAQs
Below are answers to some of the most common questions about DUI car insurance in Arizona.
What is the cheapest car insurance company in Arizona after a DUI?
Just Pay-Per-Mile has the lowest liability rate for Arizona drivers with a DUI, at $69 per month.
How long will a DUI affect your car insurance premium in Arizona?
A DUI stays on your criminal record permanently in Arizona, but it stays on your MVD driving record for five years from the date of conviction. The MVD reports convictions from the past 39 months to insurers, which usually increases your insurance rates.
How much is DUI insurance in Arizona?
After a DUI, full coverage in Arizona averages $230 per month, which is a 39% increase. Liability-only coverage averages $129 per month, compared to $91 for drivers with a clean record.
What steps do you need to take to get car insurance in Arizona after a DUI?
Start by finishing any required alcohol or drug screening, Traffic Survival School, and installing an ignition interlock device. Next, choose an insurer that files an SR-22 certificate, and keep your policy active for three years.
Are there ways to lower your car insurance rates after a DUI in Arizona?
Yes. You can compare quotes from different companies, take an approved defensive driving course for discounts, or raise your deductible.
Sources
- Arizona Department of Transportation. "How long am I required to have an SR22?."
- Arizona Department of Transportation. "License Revocation and Suspension in Arizona."
- Arizona Department of Transportation. "Driving Under the Influence (DUI)."
- Arizona Department of Transportation. "MVD Drivers FAQ."
- Arizona Department of Transportation. "Insurance Information and Requirements."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter