DUI Car Insurance in Arizona (2025)

Drivers in Arizona with a DUI pay an average of $208 per month for car insurance.

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Cheapest recent rates in Arizona for drivers with a DUI

Recent Arizona car insurance prices for Toyota, Chevrolet, Ford , and more.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on June 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on June 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Kat Tretina
Written byKat Tretina
Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Driving under the influence is a major issue in the Grand Canyon State, as Arizona ranks as the No. 6 state with the most DUI-related deaths.[1] As a result, the state has instituted some of the toughest laws for DUIs in the country, particularly for first-time offenders.

A DUI can have a substantial and long-lasting effect on your premiums in Arizona. On average, Arizona drivers with a DUI on their record pay $148 per month for liability car insurance, which is higher than the monthly average of $94 for a driver with a clean record.

Here’s what you should know about finding car insurance in Arizona with a DUI.

Quick Facts
  • The state of Arizona recorded more than 4,000 DUI arrests during 2024.[2]

  • In Arizona, full-coverage policies for drivers with a DUI cost an average of $267 per month.

  • Drivers who receive a DUI conviction in Arizona face license suspension spanning 90 days to a year, depending on whether it’s a first or repeat offense.

Cheapest car insurance quotes after a DUI in Arizona

The cost of DUI insurance in Arizona varies by insurer. Comparing car insurance quotes from multiple insurers is one of the best ways to find cheaper car insurance premiums. Mile Auto has the cheapest rates on average for state-minimum liability policies after a DUI in Arizona. Compare liability-only quotes from different insurance companies below.

The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
Mile Auto$94
Auto-Owners$99
State Farm$123
National General$135
USAA$137
Sun Coast$142
Root$146
Mercury$154
Progressive$156
Dairyland$167
The General$178
Safeco$180
Direct Auto$183
Bristol West$185
Allstate$204
GEICO$204
Clearcover$209
Travelers$210
GAINSCO$218
The Hartford$226
COUNTRY Financial$239
American Family$240
AssuranceAmerica$244
Farmers$248
Commonwealth Casualty$256
Nationwide$277
Liberty Mutual$282
Hugo$314
Foremost$317
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Arizona Car Insurance

Monthly liability rates start at $94 for drivers with a DUI

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How a DUI affects car insurance rates in Arizona

A DUI can have a significant effect on your car insurance premiums. Insurance companies consider your driving record and the amount of risk you pose when determining premiums, so having a DUI will increase insurance costs.

Below, you can compare how much Arizona drivers with and without a DUI pay on average for liability-only coverage.

 
With DUI
Without DUI
Average driver$148$94
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get car insurance with a DUI in Arizona

Purchasing car insurance with a DUI can be more difficult than finding coverage with a clean record. You can follow these steps to secure the insurance protection you need.

  • illustration card https://a.storyblok.com/f/162273/150x150/49d45eba98/law-and-justice-96x96-orange_038-law.svg

    1. Complete the requirements

    After a DUI conviction, you may have to serve time in jail, pay fines, undergo alcohol education or treatment, perform community service, and install an ignition interlock device (a car breathalyzer) in your car.[3]

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    2. Shop around

    Insurers charge different rates for DUI insurance, so it’s wise to shop around and request quotes from several insurers. If you struggle to find a company willing to issue a policy to you, consider a non-standard insurer that specializes in coverage for high-risk drivers.

  • illustration card https://a.storyblok.com/f/162273/150x150/145e468c80/states_arizona.svg

    3. Apply for coverage through the Arizona Automobile Insurance Plan (AAIP)

    The AAIP is a program for drivers who can’t find insurance on the private market.[4]

DUI laws in Arizona

If your blood alcohol concentration (BAC) is 0.08% or higher (0.04% for commercial drivers), you’ll likely receive a DUI conviction in Arizona if you’re pulled over.[5] If you refuse to take a BAC chemical test in Arizona after an officer pulls you over, you’ll face an automatic one-year suspension of your driver’s license for a first offense and a two-year suspension for a second or third offense.

Following a license suspension or revocation, Arizona drivers must provide proof of insurance or financial responsibility through an SR-22 form or a certificate from the Arizona Office of the Treasurer confirming a deposit equal to $40,000. In Arizona, a DUI conviction will stay on your record for five years from the date of conviction. Below, you can see the requirements and penalties following a first, second, and third DUI offense in Arizona.

 
sort ascsort desc
First Offense
sort ascsort desc
Second Offense
sort ascsort desc
Third Offense
sort ascsort desc
Jail timeOne to 10 days30 to 90 daysFour months minimum
Fines and penalties$250 base fine$500 base fine$750 base fine
Ignition interlockYesYesYes
License suspension90 days to one yearOne yearOne year

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Minimum car insurance requirements in Arizona

Arizona requires all drivers to maintain liability car insurance. At a minimum, your policy must meet the following coverage limits:[6]

  • Bodily injury liability: $25,000 per person and $50,000 per accident

  • Property damage liability: $15,000 per accident

Depending on your car and financial situation, you may need higher coverage limits or additional protections. Common optional coverages to consider include comprehensive, collision, and underinsured/uninsured coverage.

DUI car insurance in Arizona FAQs

If you have a DUI conviction on your driving record, the following information can help you answer your remaining questions and find the right coverage in Arizona.

  • What is the cheapest car insurance company in Arizona after a DUI?

    Mile Auto and Auto-Owners have the cheapest liability car insurance in Arizona, on average, for drivers with a past DUI. The best way to find cheap coverage is to compare quotes from multiple insurers.

  • How long will a DUI affect your car insurance premium?

    How long a DUI will affect your premiums varies by insurer, but it can generally cause increased premiums for three to five years. In Arizona, a DUI conviction stays on your driving record for five years.

  • How much is DUI insurance in Arizona?

    Car insurance for Arizona drivers with a DUI is $148 per month for state-minimum liability insurance and $267 for full-coverage insurance.

  • What happens after your first DUI in Arizona?

    The penalties for DUI charges in Arizona are strict. For a first offense, you may face jail time, lose your license, have to undergo alcohol treatment or education, and install an ignition interlock device. You’ll also need to maintain SR-22 coverage following a license suspension or revocation.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. DUI.org. "DUI Statistics by State: Top 10 Most Dangerous States for Drunk Driving."
  2. Arizona Department of Public Safety. "Annual Report FY2024."
  3. Arizona Department of Transportation. "Driving Under the Influence (DUI)."
  4. Arizona Department of Insurance & Financial Institutions. "Policy Cancellation/Nonrenewal."
  5. Arizona Department of Public Safety. "Impaired Driving."
  6. Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
Kat Tretina
Kat Tretina

Kat Tretina is a personal finance writer specializing in debt repayment and insurance.

Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.

For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

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