DUI Car Insurance in Arizona (2025)

Driving under the influence is a major issue in the Grand Canyon State, as Arizona ranks as the No. 6 state with the most DUI-related deaths.1 As a result, the state has instituted some of the toughest laws for DUIs in the country, particularly for first-time offenders.

A DUI can have a substantial and long-lasting effect on your premiums in Arizona. On average, Arizona drivers with a DUI on their record pay $125 per month for liability car insurance, which is higher than the monthly average of $94 for a driver with a clean record.

Here’s what you should know about finding car insurance in Arizona with a DUI.

Cheapest car insurance quotes after a DUI in Arizona

The cost of DUI insurance in Arizona varies by insurer. Comparing car insurance quotes from multiple insurers is one of the best ways to find cheaper car insurance premiums. Mile Auto has the cheapest rates on average for state-minimum liability policies after a DUI in Arizona. Compare liability-only quotes from different insurance companies below.

How a DUI affects car insurance rates in Arizona

A DUI can have a significant effect on your car insurance premiums. Insurance companies consider your driving record and the amount of risk you pose when determining premiums, so having a DUI will increase insurance costs.

Below, you can compare how much Arizona drivers with and without a DUI pay on average for liability-only coverage.

How to get car insurance with a DUI in Arizona

Purchasing car insurance with a DUI can be more difficult than finding coverage with a clean record. You can follow these steps to secure the insurance protection you need.

DUI laws in Arizona

If your blood alcohol concentration (BAC) is 0.08% or higher (0.04% for commercial drivers), you’ll likely receive a DUI conviction in Arizona if you’re pulled over.5 If you refuse to take a BAC chemical test in Arizona after an officer pulls you over, you’ll face an automatic one-year suspension of your driver’s license for a first offense and a two-year suspension for a second or third offense.

Following a license suspension or revocation, Arizona drivers must provide proof of insurance or financial responsibility through an SR-22 form or a certificate from the Arizona Office of the Treasurer confirming a deposit equal to $40,000. In Arizona, a DUI conviction will stay on your record for five years from the date of conviction. Below, you can see the requirements and penalties following a first, second, and third DUI offense in Arizona.

Minimum car insurance requirements in Arizona

Arizona requires all drivers to maintain liability car insurance. At a minimum, your policy must meet the following coverage limits:6

• Bodily injury liability: $25,000 per person and $50,000 per accident

• Property damage liability: $15,000 per accident

Depending on your car and financial situation, you may need higher coverage limits or additional protections. Common optional coverages to consider include comprehensive, collision, and underinsured/uninsured coverage.