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Cheap DUI Car Insurance in Arizona (With Quotes)
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Best DUI Insurance Companies in Arizona (2022)
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.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Novo | $128 |
| Sun Coast General Insurance Agency, Inc. | $128 |
| Bristol West | $147 |
| Travelers | $155 |
| Freedom National | $157 |
| Nationwide | $179 |
| GAINSCO | $181 |
| Liberty Mutual | $187 |
| Mercury | $197 |
| Kemper | $202 |
DUI Car Insurance Costs 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.
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.
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.
How Much Does a DUI Impact Car Insurance Rates in Arizona?
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.
| No Violation - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | After DUI - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Average Percent Increase After DUI |
|---|---|---|
| $205 | $373 | 81.95% |
What Are the Average Car Insurance Prices After a DUI in Arizona?
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.
| Arizona After DUI Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | Most Expensive State for DUI (1-50) |
|---|---|
| $373 | 25th |
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How Long Is the Lookback Period for a DUI in Arizona?
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.
Arizona DUI Penalties
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.
Compare Top Auto Insurance Companies
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FAQs - Arizona Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Arizona. Insurify analyzed the latest data for the five most populous cities in Arizona to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Arizona and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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