DUI Car Insurance in Arizona (2024)
Drivers in Arizona with a DUI pay an average of $148 per month for a liability-only policy.
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Written byAlani Asis
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3 years of content writing
Bylines with leading financial publications
Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 20, 2024
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If you’ve got a DUI on your driving record in Arizona, you’ll likely see an increase in your car insurance premiums. Drivers with a DUI on record pay higher premiums than people with a clean record and even people with at-fault accidents or speeding tickets.
The average cost of DUI insurance in Arizona is $148 per month for liability coverage — higher than the state average of $92 per month. While finding affordable car insurance with a DUI on your record can be challenging, you can still save on car insurance by shopping around.
Quick Facts
A DUI can stay on your record for seven years in Arizona.
Drivers with a DUI in Arizona pay a monthly average of $289 for full-coverage car insurance.
If you have a DUI on your driving record, you’ll need to file an SR-22 certificate with the state of Arizona proving you meet the minimum car insurance requirements to drive legally.
What is DUI insurance?
DUI insurance refers to policies written for drivers with a conviction for driving under the influence. Insurance companies consider drivers with DUIs as high-risk, so these policies usually have steep rates. If you live in Arizona with a DUI on file, you’ll need an SR-22 certificate. This certificate demonstrates that you have the minimum liability coverage required by the state.
The minimum coverage limits in Arizona are:[1]
$25,000 of bodily injury liability coverage for one person
$50,000 of bodily injury liability coverage for two or more people
$15,000 of property damage liability coverage
A DUI can remain on your driving history for up to seven years in Arizona and cause nearly a 100% increase in car insurance premiums. On average, Arizona drivers with a DUI pay $148 per month for a liability policy — less than the national average rate for drivers with a DUI of $171 per month.
While finding cheap DUI insurance can be challenging, you may still be able to find relatively affordable rates if you take the time to shop around and compare quotes from multiple insurers. If your current insurer doesn’t offer DUI insurance, you’ll need to find an insurance company that does.
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Read More: DWI vs. DUI: What’s the Difference?
Find DUI Insurance in Arizona
Liability rates start at $75 per month for drivers with a DUI
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Cheapest DUI insurance in Arizona
The cheapest liability-only policies in Arizona start at $75 per month for drivers with a DUI, and the cheapest full-coverage policies start at $133 per month. Compare rates from affordable Arizona insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ | 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. ▲▼ |
|---|---|---|---|
| Auto-Owners | $75 | $125 | 8.5 |
| Mile Auto | $83 | $143 | 7.5 |
| State Farm | $93 | $154 | 9.3 |
| GEICO | $94 | $159 | 9.0 |
| USAA | $102 | $172 | 9.4 |
| Root | $113 | $177 | 8.4 |
| Metromile | $124 | $207 | 7.0 |
| National General | $137 | $322 | 6.8 |
| Mercury | $152 | $260 | 8.0 |
| Allstate | $153 | $257 | 8.9 |
| Safeco | $157 | $229 | 8.3 |
| Travelers | $159 | $267 | 9.0 |
| Progressive | $161 | $288 | 8.4 |
| The Hartford | $171 | $286 | 8.4 |
| Dairyland | $172 | $436 | 7.0 |
| Direct Auto | $176 | $382 | 7.3 |
| American Family | $180 | $302 | 9.1 |
| COUNTRY Financial | $180 | $301 | 8.8 |
| Clearcover | $184 | $309 | 6.8 |
| Farmers | $187 | $314 | 8.3 |
| The General | $190 | $439 | 7.3 |
| Bristol West | $207 | $405 | 5.2 |
| Nationwide | $208 | $350 | 8.7 |
| GAINSCO | $210 | $485 | 7.3 |
| Commonwealth Casualty | $260 | $634 | 5.5 |
| AssuranceAmerica | $265 | $472 | 5.3 |
| Liberty Mutual | $275 | $415 | 7.7 |
| Foremost | $343 | $623 | 7.4 |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest recent rates in Arizona for drivers with a DUI
Drivers using Insurify have found quotes as cheap as $50/mo for full coverage and $84/mo for liability only in Arizona.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
DUI insurance rates in Arizona vs. the national average
In the table below, you can see how monthly liability rates for Arizona drivers with a clean record and with a DUI compare to the national averages.
Location ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Arizona | $92 | $148 |
| United States | $104 | $171 |
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.
DUI penalties for drivers in Arizona
First offenders caught driving a vehicle with an alcohol concentration of more than 0.08% in Arizona may be sentenced to 10 days in jail and must pay a fine of $1,250 or more. Drivers who have gotten multiple DUIs may face jail time of no less than 90 days and $3,000 in fines.
Extreme DUI offenders are drivers with an alcohol concentration of 0.15% or higher. First offenders receive jail time of 30 days or more with no probation and must pay a fine of $2,500 or more. Drivers with subsequent offenses undergo incarceration of 120 days or more and must pay a fine of $3,250 or more.
If you’re convicted of intoxicated driving, your license will be revoked until you secure an SR-22 certificate. Additionally, you may have to undergo alcohol education or treatment, perform community service, and drive with a certified ignition interlock device.
Keep in Mind
Outside of legal repercussions, drivers with a DUI will pay higher insurance rates and may even have difficulty finding employment.[2]
How long will a DUI affect your car insurance premium?
The length of time a DUI can influence your car insurance rates varies by state and insurance company.
“A DUI typically stays on a driver’s record for 10 years but usually affects insurance [for] between five and seven years,” says Nicole Lamanes, a marketing agent and licensed insurance agent at the Insurance Brokers of Arizona.
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Learn More: These Car Models Have the Most DUIs
How to get an SR-22 certificate in Arizona
If you’ve recently had your driver’s license suspended due to a DUI, you must obtain an SR-22 certificate to get back on the road. An SR-22 certificate demonstrates that you have the state minimum liability insurance coverage.
You’ll need to find an insurance company that covers high-risk drivers and let it know you require an SR-22. When you purchase your policy, your insurance company will inform the DMV that you have auto insurance with adequate coverage.
Your insurance company must notify your DMV if you cancel your policy. If your coverage lapses, Arizona will re-suspend your license, and you may have to restart the process if you decide to drive again.[3]
DUI car insurance in Arizona FAQs
Finding car insurance after a DUI can be challenging and stressful. Below, you’ll find answers to some of the most commonly asked questions about DUI car insurance in Arizona.
How much does DUI insurance cost in Arizona?
An SR-22 certificate can cost between $20 and $50 to file, according to Nicole Lamanes of Insurance Brokers of America. But liability insurance with a DUI costs an average of $148 per month for drivers in Arizona, according to Insurify data.
How long does a DUI affect your insurance in Arizona?
A DUI can stay on your record for seven years in Arizona. During this time, your insurance rates will likely remain high.
Do you need DUI insurance if you don’t own a car?
Yes. You’ll still need DUI insurance if you borrow or rent a car. But you can also get non-owner insurance, which offers property damage and bodily injury liability coverage. While non-owner car insurance doesn’t provide collision and comprehensive insurance, you’ll usually pay lower monthly premiums.
Do you have to tell your insurance company about a DUI conviction?
Yes. You must tell your insurance company about any DUIs on your record. If you want your license reinstated, your insurance company must notify the DMV that you have SR-22 insurance.
Can you get insurance after a DUI conviction?
Yes, you can get insurance after a DUI conviction. But your insurance rates will likely be significantly higher than rates for drivers with a clean record.
Can your car insurance be canceled after a DUI?
Yes, your insurer can cancel your car insurance after a DUI. Not all insurance companies will continue to insure you after a DUI conviction, so you may need to find one that will.
Related articles
More cities in Arizona
Sources
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Arizona Department of Transportation. "Driving Under the Influence (DUI)."
- Arizona Department of Transportation. "Future Financial Responsibility."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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