As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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Cheapest recent rates in Arizona
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $50/mo for full coverage in Arizona.
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on April 17, 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 April 17, 2024. 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 April 17, 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 April 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 those with a clean record and even those with at-fault accidents or speeding tickets.
The average cost of DUI insurance in Arizona is $412 per month — twice as much as the rate for drivers with no prior convictions. 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
Auto-Owners has the cheapest liability coverage for drivers with a DUI, at $132 per month.
A DUI can stay on your record for seven years in Arizona.
Comparing quotes from multiple insurance companies is the best way to find a policy that meets your budget and coverage needs.
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:
$25,000 of bodily injury liability coverage for one person
$50,000 of bodily injury liability coverage for two or more people
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 $412 — less than the national average rate for drivers with a DUI of $460.
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 another insurance company that does.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest DUI insurance in Arizona
Auto-Owners and GEICO insurance have the most affordable rates for Arizona drivers with a DUI, at $170 and $208 for full coverage, respectively. But your individual quote can vary, and it’s still important to compare quotes from multiple insurers before buying a policy.
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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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.
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]
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 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]
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.
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. However, you can also get nonowner insurance, which offers property damage and bodily injury liability coverage. While nonowner car insurance doesn’t provide full coverage like 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. However, 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.
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.
How much does DUI insurance cost in Arizona?
An SR-22 certificate can cost between $20 to $50 to file, according to Nicole Lamanes of Insurance Brokers of America. But insurance premiums after a DUI cost an average of $412 a month for drivers in Arizona, according to Insurify data.
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.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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