DUI Car Insurance in Arizona (2025)

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 $147 per month for liability coverage — higher than the state average of $93 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.

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 $147 per month for a liability policy — less than the national average rate for drivers with a DUI of $169 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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Cheapest DUI insurance in Arizona

The cheapest liability-only policies in Arizona start at $77 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: Thursday, May 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	$77	$121	8.5
Mile Auto	$85	$144	7.5
State Farm	$94	$150	9.3
USAA	$105	$168	9.4
Root	$120	$187	8.4
National General	$134	$319	6.8
Mercury	$152	$257	8.0
Allstate	$156	$249	8.9
Progressive	$158	$271	8.4
Travelers	$161	$258	9.0
Dairyland	$168	$461	7.0
Safeco	$175	$256	8.3
The Hartford	$178	$285	8.4
Direct Auto	$179	$372	7.3
The General	$182	$386	7.3
American Family	$183	$294	9.1
COUNTRY Financial	$183	$292	8.8
Bristol West	$188	$372	5.2
Farmers	$190	$303	8.3
Clearcover	$196	$311	6.8
GEICO	$202	$258	9.0
Nationwide	$212	$338	8.7
GAINSCO	$215	$506	7.3
AssuranceAmerica	$258	$495	5.3
Commonwealth Casualty	$258	$629	5.5
Liberty Mutual	$282	$388	7.7

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 Insurify rates insurance companies

  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 55,000 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.

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	$93	$147
United States	$105	$169

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.

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.

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