- Does a DUI raise car insurance rates in Arizona?
- How much does a DUI raise your insurance in Arizona?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Arizona?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Arizona
- Arizona DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Arizona DUI insurance: Frequently asked questions
- Compare Arizona DUI car insurance rates with other states
Does a DUI raise car insurance rates in Arizona?
With a clean driving record, car insurance in Arizona costs $1,812. However, after a DUI, the average rate rises to $3,091, which is $1,279 higher.
Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DUIs, average rates rise sharply to $4,449.
How much does a DUI raise your insurance in Arizona?
The cheapest insurer after a DUI is Travelers, with rates averaging $2,279. The next cheapest insurer is Progressive a difference of $41 from Travelers. State Farm has the third-most affordable car insurance rates with a DUI.
Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.
This table displays average car insurance rates for a driver with a DUI in Arizona.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Travelers | $1,489 | $2,279 | $3,238 |
| Progressive | $1,903 | $2,320 | $3,499 |
| State Farm | $2,233 | $2,375 | $2,375 |
| Auto-Owners | $1,539 | $2,743 | $6,356 |
| GEICO | $1,312 | $2,787 | $3,534 |
| Nationwide | $1,726 | $3,552 | $4,936 |
| Allstate | $2,215 | $3,648 | $5,000 |
| Farmers | $2,331 | $4,380 | $5,768 |
| USAA | $1,581 | $3,770 | $4,552 |
PEOPLE ASK:
What happens when you get a DUI in Arizona?
If you're convicted of a DUI in Arizona, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for five years.
If someone gets a DUI in your car, does it go on your insurance?
In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the DUI will not show up on your driving record.
However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.
How long does a DUI affect your insurance in Arizona?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects Arizona car insurance and stays on your record for five years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a DUI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a DUI is $5,715.
Below are the cheapest insurers after a DUI for each age group:
- For teens: GEICO has the most affordable rate at $5,715.
- For young adults: Travelers offers the lowest-priced coverage for young adults at $2,507.
- For adults: Travelers provides the best rate, averaging $2,279.
- For seniors: Progressive delivers the cheapest average rate at $2,183.
This table illustrates how a DUI affects car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| GEICO | $3,027 | $5,715 | $2,688 | 89% |
| Travelers | $4,178 | $6,166 | $1,988 | 48% |
| State Farm | $6,193 | $6,642 | $449 | 7% |
| Nationwide | $6,315 | $8,091 | $1,776 | 28% |
| Auto-Owners | $4,137 | $8,121 | $3,984 | 96% |
| Progressive | $8,622 | $9,032 | $410 | 5% |
| Allstate | $7,477 | $9,225 | $1,748 | 23% |
| CSAA Insurance (AAA) | $11,644 | $19,750 | $8,106 | 70% |
| Farmers | $10,089 | $21,436 | $11,347 | 112% |
| GEICO | $3,027 | $5,715 | $2,688 | 89% |
| Travelers | $4,178 | $6,166 | $1,988 | 48% |
| State Farm | $6,193 | $6,642 | $449 | 7% |
| Nationwide | $6,315 | $8,091 | $1,776 | 28% |
| Auto-Owners | $4,137 | $8,121 | $3,984 | 96% |
| Progressive | $8,622 | $9,032 | $410 | 5% |
| Allstate | $7,477 | $9,225 | $1,748 | 23% |
| CSAA Insurance (AAA) | $11,644 | $19,750 | $8,106 | 70% |
| Farmers | $10,089 | $21,436 | $11,347 | 112% |
| USAA | $5,819 | $9,426 | $3,607 | 62% |
| USAA | $5,819 | $9,426 | $3,607 | 62% |
How much does a DUI raise your insurance in your city?
The cheapest city in Arizona for car insurance with a DUI is Willcox, while the most expensive city is Phoenix at an average of $3,862. Where you live affects car insurance rates, regardless of a DUI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a DUI.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Avondale | $2,099 | $3,582 | $1,483 | 71% |
| Benson | $1,602 | $2,728 | $1,126 | 70% |
| Douglas | $1,547 | $2,641 | $1,094 | 71% |
| Mesa | $1,976 | $3,374 | $1,398 | 71% |
| Nogales | $1,720 | $2,909 | $1,189 | 69% |
| Phoenix | $2,251 | $3,862 | $1,611 | 72% |
| Sedona | $1,632 | $2,804 | $1,172 | 72% |
| Tempe | $2,000 | $3,426 | $1,426 | 71% |
| Tucson | $1,879 | $3,194 | $1,315 | 70% |
| Willcox | $1,524 | $2,600 | $1,076 | 71% |
| Avondale | $2,099 | $3,582 | $1,483 | 71% |
| Benson | $1,602 | $2,728 | $1,126 | 70% |
| Douglas | $1,547 | $2,641 | $1,094 | 71% |
| Mesa | $1,976 | $3,374 | $1,398 | 71% |
| Nogales | $1,720 | $2,909 | $1,189 | 69% |
| Phoenix | $2,251 | $3,862 | $1,611 | 72% |
| Sedona | $1,632 | $2,804 | $1,172 | 72% |
| Tempe | $2,000 | $3,426 | $1,426 | 71% |
| Tucson | $1,879 | $3,194 | $1,315 | 70% |
| Willcox | $1,524 | $2,600 | $1,076 | 71% |
How to get car insurance after a DUI in Arizona
Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.
If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Arizona, as each company sets its own rates after a DUI.
Arizona DUI insurance requirements and penalties
A DUI in Arizona means you must meet specific requirements for high-risk drivers. In Arizona, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Arizona DUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.15 | 90 days | After 30 days | Mandatory for all convictions | Yes | Yes |
| 0.15 | 90 days | After 30 days | Mandatory for all convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Arizona drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for five years.
Tips to save money after a DUI
A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Arizona drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Arizona DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.
Will my insurance drop me after a DUI in Arizona?
Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.
Compare Arizona DUI car insurance rates with other states
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