DUI Car Insurance in Arizona (2025)
Drivers in Arizona with a DUI pay an average of $173 per month for car insurance.
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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.[?] 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 $130 per month for liability car insurance, which is higher than the monthly average of $93 for a driver with a clean record.
Here’s what you should know about finding car insurance in Arizona with a DUI.
Quick Facts
The state of Arizona recorded more than 4,000 DUI arrests during 2024.[?]
In Arizona, full-coverage policies for drivers with a DUI cost an average of $218 per month.
Drivers who receive a DUI conviction in Arizona face license suspension spanning 90 days to a year, depending on whether it’s a first or repeat offense.
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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $92 |
| Auto-Owners | $109 |
| Sun Coast | $119 |
| National General | $129 |
| Progressive | $131 |
| Dairyland | $132 |
| Mercury | $135 |
| State Farm | $135 |
| The General | $148 |
| USAA | $151 |
| Bristol West | $152 |
| Direct Auto | $159 |
| Root | $161 |
| Safeco | $165 |
| GEICO | $167 |
| GAINSCO | $188 |
| Clearcover | $192 |
| AssuranceAmerica | $194 |
| Commonwealth Casualty | $198 |
| Allstate | $225 |
| Hugo | $231 |
| Travelers | $232 |
| COUNTRY Financial | $263 |
| American Family | $264 |
| Liberty Mutual | $264 |
| Farmers | $273 |
| The Hartford | $278 |
| Nationwide | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Monthly liability rates start at $92 for drivers with a DUI
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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.
With DUI | Without DUI | |
|---|---|---|
| Average driver | $130 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?] 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.
| First Offense | Second Offense | Third Offense |
|---|---|---|---|
| Jail time | One to 10 days | 30 to 90 days | Four months minimum |
| Fines and penalties | $250 base fine | $500 base fine | $750 base fine |
| Ignition interlock | Yes | Yes | Yes |
| License suspension | 90 days to one year | One year | One year |
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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:[?]
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.
DUI car insurance in Arizona FAQs
If you have a DUI conviction on your driving record, the following information can help you answer your remaining questions and find the right coverage in Arizona.
What is the cheapest car insurance company in Arizona after a DUI?
Mile Auto and Auto-Owners have the cheapest liability car insurance in Arizona, on average, for drivers with a past DUI. The best way to find cheap coverage is to compare quotes from multiple insurers.
How long will a DUI affect your car insurance premium?
How long a DUI will affect your premiums varies by insurer, but it can generally cause increased premiums for three to five years. In Arizona, a DUI conviction stays on your driving record for five years.
How much is DUI insurance in Arizona?
Car insurance for Arizona drivers with a DUI is $130 per month for state-minimum liability insurance and $218 for full-coverage insurance.
What happens after your first DUI in Arizona?
The penalties for DUI charges in Arizona are strict. For a first offense, you may face jail time, lose your license, have to undergo alcohol treatment or education, and install an ignition interlock device. You’ll also need to maintain SR-22 coverage following a license suspension or revocation.
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