Best Car Insurance After a DUI in Arizona 2024 (See the Top 10 Companies for 2024)
State Farm, Geico, and Progressive offer the best car insurance after a DUI in Arizona, with low rates starting at $33/month. State Farm is known for its friendly service, Geico has affordable prices, and Progressive helps with money management, making them great options for drivers in Arizona.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Dec 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Dec 3, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Full Coverage After a DUI in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage After a DUI in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe best car insurance options after a DUI in Arizona are State Farm, Geico, and Progressive, offering strong coverage and low rates starting at $33 per month. They cater to your needs and prioritize your safety.
If you’ve been convicted of a DUI in Arizona, you may be wondering how it will affect your car insurance rates. Insurance companies view drivers with a DUI as high-risk, which can result in increased premiums.
Our Top 10 Company Picks: Best Car Insurance After a DUI in Arizona| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Personalized Service | State Farm |
 | #2 | 25% | A++ | Competitive Rates | Geico |
 | #3 | 20% | A+ | Budgeting Tools | Progressive |
 | #4 | 25% | A+ | Tailored Plans | Allstate |
 | #5 | 15% | A | Specialized Programs | Farmers |
 | #6 | 20% | A+ | High-Risk Policies | Nationwide |
 | #7 | 25% | A | Accommodating History | Liberty Mutual |
 | #8 | 10% | A | Specialized Insurance | The Hartford |
 | #9 | 15% | A+ | Customer Service | Amica |
 | #10 | 29% | A | Family Coverage | American Family |
However, not all insurance providers treat DUI convictions the same way. In this article, we will explore the best car insurance options for drivers with a DUI in Arizona and provide valuable tips to help you find affordable coverage. Enter your ZIP code now to get you quote.
- Find the best car insurance after a DUI in Arizona at $33/month
- Get coverage to rebuild your driving record
- State Farm is the top pick for personalized service
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#1 – State Farm: Top Overall Pick
Pros
- Low Rates: State Farm offers low rates starting at $33/month, making it a budget-friendly option for Arizona drivers with a DUI. Check out our “State Farm insurance review & ratings” for more info.
- Great Local Support: With many local agents in Arizona, State Farm provides personal help tailored to your needs after a DUI.
- Friendly Service: Known for excellent customer service, they help you easily manage claims and policies in Arizona.
Cons
- Fewer Discounts: Limited savings programs specifically for DUI drivers may reduce affordability.
- Higher Rates for Serious DUIs: More severe DUI cases may see increased costs in Arizona.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Pricing: Geico is known for some of the most affordable pricing in Arizona for DUI drivers. Explore our “Geico auto insurance review” to gain valuable insights.
- Easy Online Tools: Their app and website make it simple to manage your insurance anytime.
- Custom Options: Offers flexible coverage to meet the specific needs of DUI drivers in Arizona.
Cons
- Mixed Customer Reviews: Some Arizona drivers report issues with customer service.
- Limited DUI Programs: Geico may not have special discounts for DUI drivers.
#3 – Progressive: Best for Budgeting Tools
Pros
- Flexible Costs: The Name Your Price® tool helps Arizona drivers find coverage that fits their budget.
- Customizable Policies: Adjust your policy easily to meet your needs in Arizona after a DUI. Read our “Progressive insurance review and ratings” for further details.
- Reward for Safe Driving: The Snapshot program can help lower rates if you improve your driving habits.
Cons
- Higher Initial Rates: Arizona drivers with a DUI might pay more at first.
- Complicated Discounts: Understanding all savings options can be challenging.
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#4 – Allstate: Best for Tailored Plans
Pros
- Customized Policies: Allstate offers tailored plans to fit the unique needs of Arizona drivers with a DUI.
- Safe Driving Rewards: Programs like Drivewise help improve driving habits and reduce premiums in Arizona.
- Local Help: Many Arizona agents provide personalized service for DUI-related coverage. Read more on Allstate auto insurance review.
Cons
- Higher Rates: Premiums for DUI drivers may be higher compared to other Arizona options.
- Fewer Discounts: Limited savings programs for DUI drivers could impact affordability.
#5 – Farmers: Best for Specialized Programs
Pros
- DUI Support Programs: Specialized programs help high-risk Arizona drivers secure coverage.
- Accident Forgiveness: Minor infractions won’t immediately raise your rates in Arizona. Read more on Farmers insurance review & ratings for more details.
- Discounts for Safe Habits: Offers savings for Arizona drivers who maintain safe driving records.
Cons
- Expensive Initial Rates: DUI coverage may cost more upfront for Arizona drivers.
- Complex Options: Choosing the right policy can be challenging for DUI drivers.
#6 – Nationwide: Best for High-Risk Policies
Pros
- High-Risk Coverage: Offers policies designed for Arizona drivers with a DUI. Read our relevant guide “How do I renew my car insurance policy with Nationwide?“
- Flexible Payments: Adjustable plans make it easier for Arizona drivers to budget for coverage.
- Accident Forgiveness: Helps reduce the impact of minor driving mistakes.
Cons
- Higher Premiums: Arizona drivers with a DUI may face steeper costs.
- Few Discounts: Limited savings for DUI-related policies could affect affordability.
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#7 – Liberty Mutual: Best for Accommodating History
Pros
- DUI-Friendly Coverage: Policies are designed for Arizona drivers with past DUI convictions.
- Custom Options: Flexible plans fit different budgets and needs in Arizona.
- Roadside Assistance: As per Liberty Mutual insurance review, it offers added support for Arizona drivers in need of emergency help.
Cons
- High Costs: DUI-related coverage can be more expensive than competitors in Arizona.
- Fewer Discounts: Not many savings programs are specific to DUI drivers.
#8 – The Hartford: Best for Specialized Insurance
Pros
- Tailored Policies: As mentioned in the The Hartford insurance review, it focused on meeting the needs of high-risk Arizona drivers with a DUI.
- Excellent Support: High-rated customer service helps manage policies and claims in Arizona.
- Safe Driver Discounts: Savings for improving driving habits post-DUI in Arizona.
Cons
- High Rates: Arizona DUI drivers may face higher costs compared to other providers.
- Limited Availability: Specialized policies may not be accessible everywhere in Arizona.
#9 – Amica: Best for Customer Service
Pros
- Top Service: Based on the Amica insurance review, it is known for excellent customer care, making it easy to manage DUI policies in Arizona.
- Discounts Available: Offers savings opportunities, including bundling and safe driving rewards.
- Comprehensive Options: Tailored plans fit DUI drivers’ needs in Arizona.
Cons
- Higher Premiums: DUI drivers in Arizona might pay more initially.
- Few DUI Programs: Limited specialized options for high-risk Arizona drivers.
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#10 – American Family: Best for Family Coverage
Pros
- Family Policies: A mentioned in our American Family insurance review, it offers coverage for multiple drivers, ideal for Arizona families with a DUI driver.
- Flexible Plans: Policies can be customized to meet DUI drivers’ needs in Arizona.
- Reliable Support: Known for great service to help Arizona drivers manage coverage.
Cons
- Higher Costs: DUI drivers may pay more compared to competitors in Arizona.
- Fewer Discounts: Limited programs to help DUI drivers save in Arizona.
Understanding DUI and Its Implications on Car Insurance
A DUI, or Driving Under the Influence, occurs when a driver operates a vehicle while impaired by alcohol or drugs. In Arizona, the legal blood alcohol concentration (BAC) limit is 0.08%.
Arizona DUI Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $113 | $302 |
| $71 | $189 |
| $53 | $134 |
| $71 | $188 |
| $47 | $124 |
| $120 | $320 |
| $86 | $228 |
| $37 | $98 |
| $33 | $89 |
| $60 | $155 |
Finding the best car insurance for DUI drivers requires careful comparison of providers that specialize in auto insurance for DUI conviction. These companies often offer customized plans that balance affordability and coverage for high-risk drivers.
A DUI is a criminal offense that occurs when a person operates a vehicle while under the influence of alcohol or drugs. It is a serious offense that can result in fines, license suspension, and even jail time. To secure the best car insurance with a DUI, focus on policies that include discounts for safe driving over time or bundling other types of insurance to reduce costs further.
How a DUI Affects Your Car Insurance
Once you have a DUI conviction on your record, insurance companies will consider you a high-risk driver. As a result, your insurance premiums are likely to increase significantly. In some cases, insurance companies may even choose to cancel your policy or refuse to renew it.
Car Insurance Discounts From the Top Providers After a DUI in Arizona| Insurance Company | Available Discounts |
|---|---|
| Drivewise Program, Safe Driver Discounts, Multi-Policy Discounts |
| Safe Driving Discounts, Multi-Policy Discounts, Bundling Discounts |
| Safe Driver Discounts, Multi-Policy Discounts, Loyalty Discounts |
| Multi-Policy Discounts, Safe Driver Discounts, Home & Auto Bundling |
| Defensive Driving Course Discounts, Multi-Policy Discounts, Good Student Discounts |
| Accident Forgiveness, Multi-Policy Discounts, Safe Driving Discounts |
| Multi-Policy Discounts, Safe Driver Discounts, Accident Forgiveness |
| Snapshot Program, Multi-Policy Discounts, Safe Driver Discounts |
| Drive Safe & Save Program, Multi-Policy Discounts, Good Student Discounts |
| Accident Forgiveness, Safe Driver Discounts, Multi-Policy Discounts |
When an insurance company labels you as a high-risk driver, it means they see you as more likely to file a claim due to your past behavior. This increased risk leads to higher premiums to compensate for the potential financial liability the company may face.
Arizona Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Chandler | 10,000 | 8,500 |
| Gilbert | 7,000 | 5,800 |
| Glendale | 9,500 | 7,900 |
| Mesa | 12,000 | 10,000 |
| Peoria | 4,000 | 3,300 |
| Phoenix | 50,000 | 42,000 |
| Scottsdale | 8,000 | 6,800 |
| Tempe | 6,500 | 5,400 |
| Tucson | 15,000 | 12,500 |
| Yuma | 3,500 | 2,800 |
The insurance company’s decision to increase your rates or cancel your policy is based on their assessment of the risk you pose as a driver.
It’s important to understand that a DUI conviction will stay on your record for several years, which means higher insurance rates for an extended period of time.
However, there are steps you can take to minimize the impact and find affordable car insurance coverage. One option is to shop around for insurance quotes from multiple companies.
In conclusion, a DUI conviction can have significant implications on your car insurance rates. Insurance companies consider DUI convictions as a sign of increased risk and will likely raise your premiums or even cancel your policy.
Arizona Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Vehicle | A | 25% | Progressive, USAA, Farmers |
| Low Mileage | A | 20% | State Farm, Nationwide, Liberty Mutual |
| Safe Driver | A | 20% | State Farm, Geico, Progressive, Allstate |
| Military/Veteran | A | 15% | USAA, Geico |
| Pay-in-Full | A | 10% | Geico, Progressive, State Farm |
| Multi-Policy | A- | 15% | Allstate, Farmers, Liberty Mutual |
| Good Student | B+ | 15% | State Farm, Geico, Nationwide |
| Paperless Billing | B+ | 5% | Farmers, USAA, Nationwide |
| Anti-Theft Device | B | 10% | Liberty Mutual, Allstate, Nationwide |
| Defensive Driving Course | B | 10% | Allstate, Geico, Progressive |
However, by shopping around, improving your driving record, and exploring specialized insurance options, you can find affordable coverage despite the impact of a DUI conviction.
Arizona DUI Laws and Penalties
Arizona has strict DUI laws in place to deter impaired driving and protect public safety. It’s crucial to understand these laws and the potential penalties you may face if convicted of a DUI.
Impaired driving is a serious offense that puts not only the driver’s life at risk but also the lives of innocent people on the road. To combat this issue, Arizona has implemented stringent DUI laws aimed at preventing and discouraging individuals from driving under the influence of alcohol or drugs.
Overview of Arizona DUI Laws
Arizona has a zero-tolerance policy for DUI offenses. This means that anyone under the age of 21 with any trace of alcohol in their system can be charged with a DUI.
The state recognizes the dangers associated with underage drinking and is committed to protecting young individuals from the potentially disastrous consequences of impaired driving.
For drivers 21 and older, the legal limit is 0.08% BAC (blood alcohol concentration). This means that if your BAC level exceeds this limit, you can be arrested and charged with a DUI.
Arizona Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Discounts Availability | A- | A broad range of discounts is available, especially for safe driving and multi-policy holders. |
| Liability Coverage Cost | B+ | Liability premiums are affordable, with options for increased coverage in high-risk zones. |
| Rate Stability | B+ | Premiums are relatively stable, though fluctuations occur due to weather events and claims. |
| Average Premium Cost | B | Arizona’s average premiums are slightly above the national average, especially in urban areas. |
| Comprehensive & Collision Rates | B | Collision and comprehensive rates are reasonable, though dust storms and other natural risks affect costs. |
| Affordability | B- | Premiums can be costly in densely populated areas like Phoenix due to traffic and accident rates. |
The legal limit is set to ensure that drivers are not impaired by alcohol or drugs while operating a vehicle, as it significantly impairs judgment, reflexes, and overall driving abilities.
Penalties for DUI in Arizona
The penalties for a DUI conviction in Arizona can vary depending on factors such as BAC level, number of previous offenses, and whether there was a minor present in the vehicle. It is essential to understand the potential consequences to make informed decisions when it comes to insurance coverage and seeking legal counsel if needed.
If convicted of a DUI, you may face fines, license suspension, mandatory alcohol education programs, and even jail time. The severity of these penalties increases with each subsequent offense, emphasizing the importance of responsible and sober driving at all times.
In addition to the legal consequences, a DUI conviction can have a long-lasting impact on various aspects of your life. It can affect your employment opportunities, tarnish your reputation, and strain personal relationships.
Arizona takes DUI offenses seriously and is committed to ensuring the safety of its residents. By understanding the laws and potential penalties associated with DUI convictions, individuals can make informed choices and actively contribute to a safer and more responsible driving culture.
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How to Find the Best Car Insurance After a DUI
Finding Arizona car insurance after a DUI can be challenging, but several providers offer options designed for drivers in this situation. To secure the best car insurance for DUI, start by comparing auto insurance quotes with DUI to identify the most affordable and comprehensive policies.
Providers specializing in DUI insurance Arizona or DUI insurance AZ often cater to those with a DUI conviction, offering flexible plans to meet their needs. The top 10 auto insurance companies in Arizona typically include options for high-risk auto insurance Arizona, ensuring drivers can stay on the road legally.
Factors to Consider When Looking for Car Insurance
When searching for car insurance after DUI, prioritize policies that offer competitive rates and meet ADOT insurance code requirements. In cities like Tucson, DUI insurance Tucson AZ is tailored for local drivers needing specialized coverage. For those with budget concerns, providers offering cheap DUI insurance and DUI high-risk insurance may be ideal.
Many companies now provide DUI auto insurance with features that help reduce costs over time, making them the best car insurance with a DUI. If you want personalized service, look for DUI-friendly auto insurance options that ensure peace of mind while driving.
5 Common Car Insurance Claims in Arizona| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 40% | $3,200 |
| Property Damage Liability | 22% | $4,100 |
| Comprehensive | 18% | $2,700 |
| Bodily Injury Liability | 15% | $15,000 |
| Uninsured Motorist | 5% | $12,800 |
Customer service is also a vital aspect to consider when choosing car insurance after a DUI. Dealing with a company that provides excellent customer service can make the claims process smoother and more efficient. Look for insurers that have a reputation for prompt and reliable customer support.
Whether you’re looking for DUI car insurance, DUI insurance coverage, or simply the best car insurance in Arizona, comparing multiple options is the key to finding the right policy for your needs.
Comparing Insurance Quotes After a DUI
Obtaining multiple insurance quotes is crucial when searching for car insurance after a DUI. Different insurance providers may offer varying rates and coverage options for high-risk drivers. Utilizing online comparison tools can help simplify this process and ensure that you find the best possible rates.
When comparing insurance quotes, it’s important to look beyond the price alone. While finding affordable coverage is essential, it’s equally important to ensure that the policy provides adequate protection. Carefully review the coverage limits, exclusions, and additional benefits offered by each insurer.
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Additionally, consider reaching out to insurance agents or brokers who specialize in high-risk drivers. They may have access to insurance companies that specifically cater to individuals with DUI convictions, providing you with more options and potentially better rates.
Remember to take your time, read the fine print, and make an informed decision that will protect you on the road. Considering in your choices the best car insurance after a DUI in Arizona, State Farm, Geico, and Progressive that offers cheapest rates starting at $33 per month. Enter your ZIP code now.
Frequently Asked Questions
What are the consequences of getting a DUI in Arizona?
Getting a DUI in Arizona can result in various consequences, including fines, license suspension, mandatory alcohol education programs, probation, community service, and even jail time.
How does a DUI affect car insurance rates in Arizona?
A DUI can significantly impact car insurance rates in Arizona. Insurance companies usually consider DUI convictions as high-risk behavior, resulting in higher premiums or even policy cancellations. Enter your ZIP code below to instantly receive car insurance quotes from leading providers.
Can I still get car insurance after a DUI in Arizona?
Yes, it is still possible to get car insurance after a DUI in Arizona. However, finding affordable coverage can be challenging. You may need to seek out insurance providers specializing in high-risk drivers or explore options such as SR-22 filings. Learn more by reading our guide “Requirements for a DUI Checkpoint”
What is an SR-22 filing and do I need it after a DUI in Arizona?
An SR-22 filing is a certificate of financial responsibility that certain drivers are required to obtain after being convicted of a DUI or other serious violations. In Arizona, if you have a DUI, you will likely need to file an SR-22 form with the Arizona Department of Transportation (ADOT) to reinstate your driving privileges.
How long does a DUI stay on your record in Arizona for car insurance purposes?
A DUI conviction typically stays on your driving record in Arizona for five years. However, insurance companies may consider DUIs for a longer period when determining rates or eligibility for coverage. Discover budget-friendly auto insurance rates from top providers by entering your ZIP code.
What factors do insurance companies consider for DUI drivers in Arizona?
They consider the severity of the DUI, time since the conviction, driving history, and any steps taken to improve driving habits. Uncover more by delving into our article entitled “What defenses are there in a drunk driving case?”
Are there any discounts or ways to lower car insurance rates after a DUI in Arizona?
While options may be limited, some insurance companies offer discounts specifically for drivers who complete approved DUI education programs or participate in alcohol treatment programs. Additionally, maintaining a clean driving record and having a long period without any further violations can gradually help in lowering insurance rates after a DUI.
What can drivers do to find affordable insurance after a DUI in Arizona?
Compare quotes, take driving courses, maintain a clean record, and choose insurers for high-risk drivers. By entering your ZIP code below, you can get instant car insurance quotes from top providers.
How long does a DUI conviction affect car insurance rates in Arizona?
A DUI conviction in Arizona typically affects car insurance rates for at least three to five years. During this period, the DUI will remain on your driving record, and insurance companies will consider it when determining your premiums. To learn more, explore our guide titled “Out-of-State DUI Convictions”
What are the challenges of finding car insurance after a DUI in Arizona?
The challenges include finding an insurer willing to provide affordable rates and dealing with potential administrative requirements, like filing an SR-22 form to prove you have the minimum required liability coverage.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.