Travelers offers the most affordable car insurance for Arizona drivers with a DUI, with monthly rates at $65 for state minimum and $126 for full coverage. State Farm, Progressive, and Hartford also provide affordable rates for drivers with a bad record.
DUI Car Insurance in Arizona
Updated: July 13, 2025
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Key Takeaways
Our research reveals that Travelers is Arizona's cheapest DUI car insurance provider at $65 per month.
The average monthly cost for most drivers with a DUI and good credit is $117 for state minimum coverage and $229 for full coverage.
After a DUI in Arizona, you must file an SR‑22 and maintain at least 25/50/15 liability coverage.
Cheapest DUI Car Insurance in Arizona
| Travelers | $65 | $126 |
| State Farm | $68 | $142 |
| Progressive | $100 | $162 |
| Hartford | $107 | $188 |
| Auto-Owners Insurance Co | $122 | $226 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Arizona
We understand that your profile may not match the ones we used for the table above. So, we’ve broken down the most affordable car insurance for a DUI, tailored to various coverage levels, age groups and credit scores. Find the plan that fits your needs and budget.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Travelers | $65 | $779 |
| State Farm | $68 | $810 |
| Progressive | $100 | $1,199 |
| Hartford | $107 | $1,287 |
| Auto-Owners Insurance Co | $122 | $1,461 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Arizona law for most drivers.
How Much Does DUI Car Insurance Cost in Arizona?
In Arizona, DUI car insurance costs around $1,406 per year, depending on your driver profile. A DUI can hike your rates by 56% on average. We've laid out the average costs for you, considering different levels of coverage, how your credit score looks, and your age bracket.
Data filtered by:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| $117 | $1,406 | $42 | $506 | 56% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Arizona law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN ARIZONA?
After a DUI in Arizona, you’ll likely need an SR-22 certificate for three years as proof of financial responsibility. The conviction stays on your driving record for five years, or up to seven years for an extreme DUI. Insurance companies usually raise your rates for at least three to five years, but some may penalize you for up to 10 years.
Additional Costs to Consider When Having a DUI in Arizona
Car insurance premiums aren’t the only financial hit after a DUI in Arizona. From hefty legal fees to mandatory device installations, the expenses can quickly stack up. Below is a practical breakdown to help you budget responsibly:
- Fines and court costs. A first-time DUI starts at a $1,250 fine and at least 10 days in jail. Second offenses come with minimum fines of $3,000 and a minimum 90-day jail sentence. Extreme DUI cases carry a minimum $2,500 fine and 30 days in jail for first offenses. All convictions come with court fees, community service, and DUI surcharge costs.
- Towing and impound fees. Following a DUI arrest, your vehicle is likely impounded. Expect towing fees between $100 to $300, storage costs of up to $25 per day, plus an administrative impound fee of around $150 per Arizona statutes.
- Drug/alcohol screening and education. Before reinstatement, you must complete an alcohol/drug screening and education, including DUI prevention classes. State-approved programs cost anywhere from $25 to $360, depending on course length and intensity.
- Ignition interlock device (IID). Arizona law requires an IID for at least one year after a DUI conviction. Installation ranges from $75 to $100, and monthly monitoring fees run another $70 to $100, depending on the provider.
- License reinstatement fee. To recover your driving privileges, the Arizona MVD charges a reinstatement fee plus proof of IID installation and completion of required programs.
- Attorney fees and accident liability. Legal representation for DUI cases usually starts around $2,000, increasing with case complexity. If you cause a crash under the influence, you’ll also be on the hook for repair bills, medical expenses, and potential civil suits.
- Insurance premium hikes. Post-DUI, Arizona drivers typically see their insurance costs increase by 80% to 145%, approximately doubling premiums in the first few years after conviction.
Arizona DUI Car Insurance Requirements
After a DUI in Arizona, you'll need to file an SR‑22 and maintain at least the state’s minimum liability insurance: $25,000/$50,000 bodily injury and $15,000 property damage. Arizona doesn’t mandate PIP, but many drivers add MedPay to cover medical expenses. The SR‑22 must stay active for three years after reinstatement, and any lapse will trigger a suspension.
Other Arizona DUI Laws to Know
Arizona takes DUI offenses seriously, enforcing strict laws beyond financial penalties. Understanding the full scope of these consequences is important for anyone facing a DUI charge in the state.
Fines
In addition to administrative fees, DUI convictions include statutory fines. A basic first offense may carry a minimum $250 fine, but after surcharges and assessments, the total can exceed $1,500. Penalties increase significantly with second or third convictions.
Imprisonment and release
A first-time DUI in Arizona carries mandatory jail time, even if your blood alcohol concentration (BAC) is just above the legal limit. At minimum, you’ll spend 24 hours in jail, but penalties escalate quickly with higher BAC levels or repeat offenses. Aggravated DUIs, which involve driving on a suspended license or with a child in the car, may result in months of incarceration.
Impounding of vehicles
In some DUI cases, particularly those involving aggravated charges, law enforcement can impound your vehicle for up to 30 days.
Suspension periods
Arizona law mandates that your driver’s license be suspended after a DUI conviction. For a first offense, the suspension period is typically 90 days, while repeat offenses can lead to year-long suspensions or longer. Reinstatement requires you to file an SR-22 certificate, proving financial responsibility.
DUI education requirements
Completion of a state-approved alcohol screening or education program is often a condition for license reinstatement. Depending on the case, drivers may also be required to attend counseling or substance abuse treatment.
Ignition interlock device (IID)
Drivers convicted of a DUI must install an ignition interlock device in their vehicle. This breathalyzer-like tool prevents the car from starting if alcohol is detected. The IID must remain installed for at least 12 months, with all costs—installation, monitoring, and maintenance—paid out of pocket.
How to Get the Best Cheap Arizona Car Insurance With a DUI
Getting affordable car insurance after a DUI in Arizona isn’t easy, but it’s possible. The steps below can help you lower your rates and find coverage, even if you’ve been denied by standard insurers.
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Understand your needs
After a DUI in Arizona, you’ll be required to carry additional coverage, but that doesn’t mean you should stop there. Consider optional add-ons like collision or uninsured motorist coverage. We also provide an auto insurance coverage needs calculator to help you begin.
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Research costs and discounts
Before comparing quotes, research the average car insurance rates for someone with a DUI in your part of Arizona. You can benefit from bundling, online application incentives, and early sign-up deals. Arizona also has a defensive driving program that, if you're eligible, may help lower your premiums by up to 10%.
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Compare multiple providers
No single insurer offers the lowest rate for everyone, so gather quotes from as many companies as possible. Be sure to compare policies with identical coverage levels so your comparisons are valid across providers.
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Use state high-risk car insurance programs if denied
If you're denied by traditional companies, you can still get coverage through the Arizona Automobile Insurance Plan, managed by AIPSO. This program connects high-risk drivers with insurers, although premiums are typically higher than the open market.
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Make lifestyle or vehicle changes
Improving your credit score can significantly reduce what you pay for car insurance. If you’re buying a vehicle, opt for one that’s cheaper to insure.
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Consider non-traditional coverage types
If you don’t drive much consider a pay-per-mile insurance program to help reduce costs. Usage-based insurance may also reward safe drivers with discounts up to 40%.
Cheap DUI Insurance in Arizona: Bottom Line
For Arizona drivers with a DUI, Travelers, State Farm and Progressive offer the most affordable minimum coverage. While these findings are based on our research, we advise you to also compare rates, assess costs, and determine your coverage needs to ensure you secure the best deal for your situation.
DUI Insurance in Arizona: FAQ
Below, you'll find MoneyGeek's expert answers to common questions about DUI insurance in Arizona.
Who has the cheapest car insurance for Arizona drivers with a DUI?
Travelers offer the most affordable full coverage and minimum coverage options for Arizona drivers with a DUI.
How much does a DUI increase rates in Arizona?
In Arizona, a DUI can increase your state minimum coverage rates by an average of 56% and full coverage by 57%.
How much does DUI car insurance in Arizona Cost?
In Arizona, minimum coverage car insurance costs around $117 monthly, while full coverage can range approximately $229 per month.
How We Chose the Cheapest Car Insurance for Arizona's DUI Drivers
To determine the top companies for drivers with DUIs in Arizona, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AIPSO. "Arizona Automobile Insurance Plan." Accessed June 25, 2025.