Key Takeaways
Your insurance company may decide not to renew your policy if you get a DUI and have your license suspended or taken away. Your premium will go up even if your coverage stays in effect. People who get a DUI in Arizona usually pay $1,900 a year for full coverage car insurance. On the other hand, drivers who have never been DUI pay about $1,257 a year for the same insurance.
Auto insurance companies cannot cover drivers convicted of DUI, as they rate them as high-risk. Arizona drivers with a DUI pay 57% more for full coverage insurance, face jail time, a $256 fine, license suspension, and one-year ignition interlock device use.
| Best Insurance Company | Value |
|---|---|
| State Farm | Best for low rates |
| SafeAuto | Best for nonstandard policies |
| Progressive | Best for drivers willing to share driving habits |
| Erie Auto Insurance | Best for bells and whistles |
Progressive and State Farm are the cheapest car insurance companies in the country for people who have had a DUI. But other companies might give you cheaper quotes if you live in a certain state. Progressive has the best rates in Arizona for minimum coverage after a DUI, while American Family has the lowest prices for full coverage.
Among Arizona's cheapest full-coverage car insurance companies for DUI are:
| Rank | Company | Annual Premium |
|---|---|---|
| 1 | American Family | $1,184 |
| 2 | Progressive | $1,194 |
| 3 | State Farm | $1,373 |
| 5 | Country Financial | $1,665 |
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:
| Company | Minimum Annual Premium |
|---|---|
| Progressive | $586 |
| State Farm | $690 |
| CSAA | $717 |
| Mercury | $755 |
| Country Financial | $812 |
| American Family | $813 |
| Hartford | $883 |
| USAA | $909 |
| Travelers | $963 |
| Esurance | $1,016 |
| Nationwide | $1,063 |
| Farmers | $1,167 |
| Allstate | $1,244 |
| MetLife | $2,102 |
Your car insurance costs up by 57% if you get a DUI in Arizona. You must pay an extra $1,894 yearly for full coverage if you have a DUI record. In Arizona, drivers who have never been in an accident pay about $1,257 for the same policy. Find out why your rates go up after you've been charged with DUI.
In some places, a DUI charge stays on your record for several years. "Look-back period" means this period lasts seven years in Arizona. To keep people from getting DUIs again, the penalties get harsher with each new DUI during the look-back time.
| Area | Avg. Annual Rate - without DUI | Avg. Annual Rate - with DUI |
|---|---|---|
| Arizona | $1,476 | $2,251 |
| National Average | $1,157 | $2,562 |
After being caught for DUI, it can be hard to get car insurance. Private insurers may refuse to cover drivers who are known to be dangerous. Long look-back times may make these problems worse in some states. If you get a DUI in Arizona, it goes on your record for seven years.
If you get a DUI charge, your insurance rates will likely increase significantly. High-risk drivers usually must pay more for insurance. If you are found guilty of DUI in Arizona, you could lose your license, pay fines, and even go to jail.
The amount of alcohol in a person's system is shown by their blood alcohol level (BAC). Arizona makes it illegal to drive with a blood alcohol level of 0.08% or higher. Even if your BAC is below the legal limit, police can still arrest you if you find it challenging to drive.
Arizona drivers with a BAC of 0.15% or more can go to jail for at least 30 days in a row, pay a fine of about $2,500, have their license taken away for 90 days, and must go through alcohol and drug screening instructions.
If you get a DUI in the state, your license will be taken away for 90 days for the first time.
In Arizona, everyone convicted must use an ignition locking system.
Arizona has a "zero tolerance" policy for DUI, imposing harsh penalties to prevent impaired driving. For those who have never been drunk, they face jail time, fines, therapy, and a 90-day license suspension. Those convicted multiple times face 90 days in jail, fines, and a year-long license suspension. They must also have an IID installed and use it for a year. Community service is required.
Extreme DUIs result in harsher punishments, with first-time offenders facing 30 days in jail, fines of at least $2,500, therapy, and a 90-day license suspension. Second-time offenders face 120 days in jail, fines of at least $3,250, and a year-long license suspension. Severe DUIs result in up to two years in jail, a year-long license suspension, drug and alcohol testing, treatment and education programs, and community service.
Strict DUI laws are in place for those under 21 who drink. If caught under the legal drinking age, they face up to 180 days in jail, fines and fees up to $4,775, probation of up to three years, and a possible two-year license suspension. Repeated penalties are stricter.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Arizona insurance companies are not required to cover DUI offenders after a contract ends. This means that they may decide not to renew your insurance. So, you need to check with your insurance company personally.
If you get a DUI in Arizona, your insurance rates increase by about 51%. In Arizona, a driver with full coverage will pay about $1,251 a year for car insurance. If they are found guilty of DUI, their rate will go up to about $1,894.
If you have a DUI in Arizona, American Family has the cheapest full-coverage car insurance, while Progressive has the cheapest basic coverage. When it comes to the best car insurance company in the state for people who have been DUI, State Farm wins for both types of coverage.
Arizona has a seven-year look-back term for DUIs, meaning your insurance rates may increase.
High-risk insurance companies should handle DUI charges the best. If you get a DUI, getting quotes from several insurance companies to compare plans and find the best prices is a good idea.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 150+ carriers in seconds
