Auto Insurance
BestAuto InsuranceAfter a DUI2022Getting Car Insurance After a DUI in Arizona: Everything You Need to Know
In the event of a DUI suspension or revocation of your license, your insurer may decide to cancel or not renew your policy. Even if your policy continues, you’ll be subject to a higher premium.
The average amount that Arizona DUI offenders pay year-round for full coverage car insurance is $1,894. In contrast, drivers who do not have a DUI pay roughly $1,251 annually for the same policy.
Advertising & Editorial DisclosureLast Updated: 10/31/2022
Written By |
Mark Fitzpatrick
In Arizona, American Family offers the cheapest full coverage DUI car insurance, while Progressive offers the most affordable minimum coverage. State Farm takes the top spot for both minimum and full coverage when it comes to the best car insurance provider for drivers with a DUI in the state.
BestAuto InsuranceAfter a DUI2022Best Companies for DUI Insurance in 2022
Best full coverage after a DUI - American Family
Cheapest minimum coverage after a DUI - Progressive
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
It is legal for car insurance providers to refuse coverage to drivers with DUI convictions in any state. Those who have been charged with DUI are considered high-risk drivers and considered by insurance companies to have a greater chance of filing a claim. As a result, your insurer will likely hike up your rates dramatically if they choose to maintain your policy.
MoneyGeek's data shows that Arizona drivers with a DUI typically pay about 51% more for a full coverage insurance policy. DUI convictions in Arizona are punishable by a variety of criminal penalties such as a minimum of 24 hours to 10 days in jail, a $250 base fine, at least 90 days of license suspension, and a one-year mandatory ignition interlock.
Cheapest Car Insurance Companies in Arizona After a DUI
On a national scale, Progressive and State Farm are the most affordable car insurance companies for drivers with a DUI. However, depending on the state you live in, other companies may offer lower quotes. In Arizona, Progressive offers the best car insurance rates for minimum coverage after a DUI, while American Family is the cheapest for full coverage.
Cheapest Companies for Full Coverage in Arizona After a DUI
Among Arizona's cheapest full coverage car insurance companies for DUI are:
- American Family: $1,178 per year
- Progressive: $1,188 per year
Cheapest Car Insurance for Full Coverage After a DUI
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- RankCompanyAnnual Premium
- 1American Family$1,178
- 2Progressive$1,188
- 3State Farm$1,367
- 4GEICO$1,555
- 5Country Financial$1,659
Cheapest Companies for Minimum Coverage in Arizona After a DUI
Your level of coverage will also affect the price of your auto insurance. Here are the cheapest insurance companies for minimum coverage in Arizona after a DUI:
- Progressive: $580 per year
- State Farm: $684 per year
Cheapest Car Insurance for Minimum Coverage After a DUI
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- CompanyMinimum Annual Premium
- $580
- $684
- CSAA$711
- $735
- $749
MONEYGEEK EXPERT TIP
While a minimum coverage policy is the cheapest option for auto insurance, it has certain limitations and may not be enough to meet your needs. Sometimes, you might need more than your state's minimum coverage requirements. So, evaluate how much insurance you need to insure yourself and your assets, while also taking into account Arizona’s minimum insurance requirements.
Top Car Insurance Companies in Arizona After a DUI
MoneyGeek ranked companies based on affordability, customer satisfaction, financial stability, and more to find the best car insurance companies for drivers with a DUI in Arizona. We found that State Farm is the best car insurance provider for those with a DUI in the state for both full coverage and minimum coverage.
Best Companies for Full Coverage in Arizona After a DUI
The two best insurers in Arizona for full coverage car insurance after a DUI are State Farm and American Family. You can find more information about each firm below.
1
State FarmBest full coverage after a DUI
Score:4.5
Arizona drivers with a DUI will pay about $1,367 per year for full coverage car insurance through State Farm, compared to $1,253 for those without. If you are convicted of DUI, your premiums will go up by about 9%.
More About State Farm
State Farm made it to our top spot in terms of financial stability, customer satisfaction, and affordability. This insurer offers rideshare insurance, gives discounts to clean drivers, and offers coverage in 50 states. However, it does not provide exclusive coverage like OEMs (Original Equipment Manufacturers).
2
American Family
Score:4.3
American Family's full coverage auto insurance policy in Arizona costs an average of $1,178 per year for drivers with DUIs, versus $1,138 for drivers without DUIs. With a DUI on your record, you will have to pay about 3% more for auto insurance.
More About American Family
American Family offers an array of discounts such as loyalty and legacy discounts. It is affordable for drivers with traffic violations and younger drivers. Further, it provides original equipment manufacturer (OEM) parts coverage. This insurer, however, is only available in 19 states.
Best Companies for Minimum Coverage in Arizona After a DUI
For Arizona drivers with a DUI, State Farm and GEICO are the two best providers for minimum coverage. Minimum coverage is the cheapest option for car insurance; however, it may not adequately cover all your expenses in case of an unfortunate incident.
1
State FarmBest minimum coverage after a DUI
Score:5
Through State Farm, the annual minimum coverage car insurance premium for Arizona drivers with a DUI is $684, compared to $619 for drivers without a DUI. The rate you pay for your insurance will rise by about 9% if you're convicted of DUI.
More About State Farm
As far as financial stability, customer satisfaction and affordability are concerned, State Farm made it to our top spot. It offers coverage in 50 states, gives discounts to clean drivers and offers rideshare insurance. However, it does not provide exclusive coverage like OEMs (Original Equipment Manufacturers).
2
GEICO
Score:4
At GEICO, a minimum coverage auto policy without a DUI costs roughly $366 per year. The same policy costs an average of $735 per year with a DUI. The cost of GEICO's average annual premiums double if you’re convicted of a DUI in the state.
More About GEICO
Customer satisfaction, stability and discounts are GEICO's strong suits, but it does not fare quite well when it comes to affordability. GEICO offers policies for all types of drivers and provides several discounts on unique options.
How Much Does Car Insurance Cost in Arizona After a DUI?
After receiving a DUI in Arizona, the cost of your car insurance increases by 51%. A policy with full coverage costs an average of $1,894 a year if you have a DUI conviction. Meanwhile, Arizona drivers with no violations pay about $1,251 for the same coverage. Find out what causes your rates to go up after being charged with a DUI.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$1,145
Average Cost with DUI
Full Coverage
$2,056Full coverage policy premiums after a DUI cost::$911 more
This is 80% more expensive.
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If you have a DUI on your record, you could face higher car insurance rates. This is because your insurance company now considers you a high-risk driver, which means you are also more likely to file a claim later on. Use MoneyGeek's auto insurance calculator to give you an estimate of your rates.
MONEYGEEK EXPERT TIP
The effects of a DUI on your finances should not be underestimated. In addition to higher insurance rates, getting a DUI will also result in the following penalties:
- Fines, court and attorneys' fees: Often, DUI convictions carry fines and court fees. You will also need to pay for the cost of hiring an attorney to help post bail or defend you against an unfair charge.
- Towing/impound fee: If your vehicle is impounded and towed after an arrest, you will have to pay a fee.
- Drug education and treatment: If this is your first offense, you may be required to attend an alcohol or drug education program.
- DMV reinstatement fee: You will need to pay a fee to reinstate your license after it has been suspended.
Getting Car Insurance in Arizona After a DUI
It can be challenging to obtain car insurance after being arrested for DUI. In some cases, private insurers may reject coverage for risky drivers. These challenges may be exacerbated in some states by long look-back periods. In Arizona, a DUI conviction stays on your record for seven years.
A DUI conviction will likely lead to a significant increase in your insurance premium. Since high-risk drivers generally pay higher premiums, MoneyGeek compiled a list of the best and most affordable insurance companies for high-risk drivers.
MONEYGEEK EXPERT TIP
Arizona law requires SR-22 insurance forms for drivers convicted of DUI. Upon your request, your insurer will send this document to the state on your behalf so that it can verify that you have the minimum insurance coverage required by the state.
Arizona DUI Laws
A conviction for DUI in Arizona could mean losing your driving privileges, paying fines and spending time in prison. MoneyGeek provided a table of Arizona DUI laws.
Driving with a BAC at or above 0.08% is considered a DUI
An individual's blood alcohol content (BAC) indicates the amount of alcohol in their system. Arizona criminalizes driving with a blood alcohol concentration of 0.08% or higher. Law enforcers can still arrest you if your driving becomes noticeably impaired, even if your BAC is below that threshold.
Driving with a BAC at or above 0.15% will result in increased penalties
Arizona drivers with a BAC of 0.15% or above may serve at least 30 consecutive days in jail, incur about $2,500 in fines, get a 90-day license suspension and take alcohol and drug screening education.
90-day administrative license suspension on first offense
If you are convicted of a DUI in the state, your license will be suspended for 90 days on your first offense.
Mandatory ignition interlocks
In Arizona, an ignition interlock system is mandatory for all convictions.
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Frequently Asked Questions
For more information on how DUIs affect car insurance in Arizona, see MoneyGeek's answers to some frequently asked questions below.
Methodology
To determine the top companies for individuals with DUIs in Arizona, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims, and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About the Author
sources
- Arizona Department of Public Safety. "Impared Driving." Accessed April 24, 2022.
- The Foundation for Advancing Alcohol Responsibility. "State Law: DUI Look-Back Periods." Accessed April 24, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 24, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 24, 2022.