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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Written byKat Tretina
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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.
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Edited byKatie Powers
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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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Table of contents
Table of contents
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 | Average Monthly Quote: Liability Only |
|---|---|
| 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.
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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.
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]
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.
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.
| First Offense | Second Offense | Third Offense |
|---|---|---|---|
| Jail time | One to 10 days | 30 to 90 days | Four months minimum |
| Fines and penalties | $250 base fine | $500 base fine | $750 base fine |
| Ignition interlock | Yes | Yes | Yes |
| License suspension | 90 days to one year | One year | One 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
- 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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Sources
- DUI.org. "DUI Statistics by State: Top 10 Most Dangerous States for Drunk Driving."
- Arizona Department of Public Safety. "Annual Report FY2024."
- Arizona Department of Transportation. "Driving Under the Influence (DUI)."
- Arizona Department of Insurance & Financial Institutions. "Policy Cancellation/Nonrenewal."
- Arizona Department of Public Safety. "Impaired Driving."
- Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
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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.
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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