For drivers with a DUI or DWI offense in Arizona, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arizona. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Arizona.
In Arizona, a DUI or DWI offense will on average have drivers paying $373 per month and $4,476 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 82% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
DUIs can damage your ride, relationships, and resources. It's that last one that takes a hit from insurance companies, but just how much?
Well, the state average is $235 per month, and those with a clean record skate below that, at $205. It was just one more drink, but boy does it cost because a DUI shoots the price up by 82 percent, to $373. The math on that adds up to $168 more per month, or over $2,000 per year. With that much money on the line, partying at your place seems like the best choice.
|Average Percent Increase After DUI|
Your driver profile, vehicle, and location all go into producing a price and policy tailored to you. That said, to legally get behind the wheel, people with a DUI pay an average of $373. In fact, that number makes Arizona the 25th most expensive DUI car insurance in the U.S.
Yes, it's higher than most want to hand over, but it's still less than a third of the $1,200 per month the folks in Michigan cough up after a DUI. Plus, you can save money by lowering your coverage to the state minimum. If you own an older car, you may think about opting for liability only instead of comprehensive and collision coverage.
|Most Expensive State for DUI (1-50)|
Arizona's lookback period is seven years, which is relatively lenient compared to the many states that have a 10-year or lifetime period. A second DUI within seven years and prosecutors will treat you as a repeat offender. Fortunately, insurance companies limit their search to just the three most recent years, although some go up to five.
What can you do to lower your bill while you wait? Three strategies have helped people in the meantime. You can compare coverages and quotes, avoid tickets and accidents, and shop around when your renewal comes every six months.
For Arizonans, the level of punishment increases based on the BAC and number of DUIs. First-time offenders can expect jail time of 1 to 10 days, fines of $1,480 or higher, a license suspension for 90 days, and an ignition interlock device requirement for one year. Refusing a test carries an automatic one-year license suspension.
The state enforces a "not a drop" law for those under age 21, so a BAC higher than .00 constitutes a DUI. These drivers face jail time of up to six months, a fine of $750, and a license suspension of two years.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.