Best Auto Insurance After a DUI in Arizona (Top 10 Companies for 2024)
Discover the best auto insurance after a DUI in Arizona with State Farm, Liberty Mutual, and AAA. State Farm DUI insurance rates start as low as $33/month. Liberty Mutual stands out with 24/7 claims support, and AAA offers unique discounts to help DUI drivers save money on Arizona auto insurance.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Published Insurance Expert
UPDATED: Sep 5, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,757 reviewsCompany Facts
Full Coverage After a DUI in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
17,757 reviews
3,606 reviewsCompany Facts
Full Coverage After a DUI in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
3,606 reviews
2,934 reviewsCompany Facts
Full Coverage After a DUI in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviewsState Farm stands out as the top pick for the best auto insurance after a DUI in Arizona, with Liberty Mutual and AAA also leading the pack.
These top 10 providers are among the cheapest high-risk auto insurance companies in Arizona, with State Farm providing valuable multi-policy discounts, Liberty Mutual for 24/7 customer support, and AAA offering customizable policies and competitive add-ons.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 14% | B | Cheap Rates | State Farm |
 | #2 | 10% | A | 24/7 Support | Liberty Mutual |
 | #3 | 12% | A | Tailored Coverage | AAA |
 | #4 | 18% | A+ | Innovative Programs | Progressive |
 | #5 | 15% | A++ | Military Savings | USAA |
 | #6 | 11% | A+ | Usage-Based Discount | Nationwide |
 | #7 | 17% | A+ | Discount Variety | Allstate |
 | #8 | 16% | A++ | Flexible Payments | Travelers |
 | #9 | 19% | A++ | Mobile App | Geico |
 | #10 | 13% | A | Local Agents | Farmers |
Find the best car insurance after a DUI in Arizona by entering your ZIP code into our free quote tool below.
- Arizona DUI insurance is more expensive than standard policies
- State Farm is the top pick for best auto insurance after a DUI in Arizona
- AAA members get free roadside assistance when they buy DUI insurance in AZ
#1 – State Farm: Top Overall Pick
Pros
- Cheap High-Risk Insurance: High-risk auto insurance in Arizona after a DUI is cheapest with State Farm at $33/month.
- Dependable Claims Support: State Farm’s top five ranking in J.D. Power surveys ensures trustworthy claims service for DUI drivers in Arizona.
- Varied Coverage Choices: Explore our State Farm auto insurance review for customizable policies that cater to Arizona DUI insurance requirements.
Cons
- Elevated Premiums: DUI insurance rates in Arizona could be higher with State Farm if you don’t qualify for discounts.
- Low Financial Rating: State Farm’s A.M. Best rating is lower than other Arizona DUI insurance companies.
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#2 – Liberty Mutual: Best 24/7 Customer Support
Pros
- 24/7 Claims Support: Dui drivers in Arizona can reach Liberty Mutual agents and claims adjusters at any time to file claims.
- New Car Advantage: Liberty Mutual new car replacement option benefits DUI drivers in Arizona with newer vehicles after a total loss.
- Multi-Policy Discount: Bundling DUI auto insurance with home or renters insurance in Arizona can save 25% or up to $950/year. Compare quotes and discounts in our Liberty Mutual review.
Cons
- High Complaint Ratio: Despite 24/7 claims support, Liberty Mutual DUI insurance in Arizona receives two times more complaints than average.
- Higher Premium Costs: Liberty Mutual DUI insurance rates are more expensive than other Arizona auto insurance companies.
#3 – AAA: Best for Tailored Coverage
Pros
- Customizable Policies: AAA offers flexible policy choices to fit the particular needs of DUI drivers in Arizona.
- Included Benefits: Roadside assistance is provided, adding extra value to Arizona DUI insurance coverage.
- Discount Bundles: Discounts for bundling home and auto insurance can lead to cheaper DUI auto insurance in Arizona. See more discounts in our AAA Insurance review.
Cons
- Membership Fees: Drivers must join AAA, adding to the cost of Arizona auto insurance after a DUI.
- Potentially Higher Costs: High-risk insurance rates for DUI drivers in Arizona may be steeper compared to other insurers.
#4 – Progressive: Best for Digital Tools
Pros
- Intuitive Interface: Progressive provides a user-friendly online platform, which is advantageous for managing DUI insurance policies in Arizona.
- Name-Your-Price Tool: DUI drivers in Arizona can use this online tool to pick auto insurance coverage that fits their budget.
- Usage-Based Discounts: The Snapshot program offers savings based on driving habits, which can benefit DUI drivers in Arizona. Learn more in our Progressive Snapshot review.
Cons
- Fluctuating Rates: DUI drivers in Arizona may see variable premiums based on their driving history and other factors.
- Limited Personal Service: Fewer local agents in Arizona may result in less personalized service for DUI drivers.
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#5 – USAA: Best for Military Households
Pros
- Specialized Benefits: USAA provides unique discounts and advantages for military members with a DUI in Arizona. See how you can save on insurance in our USAA review.
- High Customer Satisfaction: USAA is celebrated for outstanding customer service, a benefit for DUI drivers in Arizona.
- Stable Financial Ratings: With a top A.M. Best rating, USAA offers reliable and affordable DUI car insurance in Arizona.
Cons
- Restricted Eligibility: Coverage is available only to military families, limiting choices for other DUI drivers in Arizona.
- Limited Personal Service: Arizona drivers who prefer to work with an agent may not like managing DUI insurance policies online.
#6 – Nationwide: Best Usage-Based Discounts
Pros
- Usage-Based Savings: DUI drivers who don’t qualify for Nationwide SmartRide UBI can still reduce AZ auto insurance costs with low-mileage savings through Nationwide SmartMiles.
- First Accident Forgiveness: This feature helps DUI drivers in Arizona prevent rate hikes after their first accident.
- Annual Policy Review: The On Your Side Review ensures DUI drivers in Arizona have the best possible coverage. Learn more by reading our Nationwide auto insurance review.
Cons
- Higher Premium Costs: DUI insurance rates in Arizona are higher than other providers.
- Varied Customer Service: Other Arizona auto insurance companies have higher customer service ratings after a DUI than Nationwide.
#7 – Allstate: Best Range of Discounts
Pros
- Multiple Discounts: Allstate offers various auto insurance discounts after a DUI in Arizona, including those for bundling policies and paying online.
- Fast Claims Processing: Allstate DUI auto insurance is recognized by Arizona drivers for fast processing and easy claims filing online.
- Dedicated Service: Local agents provide tailored service to meet the needs of DUI drivers in Arizona. Find out more in our Allstate auto insurance review.
Cons
- High Starting Rates: DUI drivers in Arizona may face more expensive rates for Allstate high-risk insurance if they don’t qualify for discounts.
- Complex Discount Structure: Allstate’s discount structure might be complex, making it harder for drivers to save money on Arizona car insurance after a DUI.
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#8 – Travelers: Best for Payment Flexibility
Pros
- Flexible Payment Plans: Travelers offers payment plans that accommodate DUI drivers in Arizona with different financial needs.
- Included Roadside Help: Roadside assistance provides additional value for DUI drivers in Arizona. Explore more add-ons in our Travelers auto insurance review.
- New Car Discounts: Drivers can earn a discount on DUI auto insurance in Arizona if their vehicle is less than three years old.
Cons
- Premium Increases: DUI drivers in Arizona might experience higher premiums after filing claims than with other companies.
- Limited Digital Tools: DUI drivers in Arizona may find Travelers’ online services less comprehensive than those of other insurers.
#9 – Geico: Best Mobile App
Pros
- Simple Online Access: Geico’s easy-to-navigate website and app make policy management straightforward for DUI drivers in Arizona.
- Competitive High-Risk Rates: Geico offers cheap Arizona auto insurance after a DUI starting at $47/month.
- Low-Mileage Discounts: Additional savings are available for drivers who reduce their driving after a DUI in Arizona. Compare more savings opportunities in our Geico auto insurance review.
Cons
- Minimal Face-to-Face Interaction: DUI drivers in Arizona who prefer personal service may find Geico’s digital-first approach lacking.
- Risk of Rate Increases: Geico is more likely to increase your Arizona auto insurance rates after a DUI higher than other companies on this list.
#10 – Farmers: Best for Personalized Service
Pros
- Local Agent Support: Farmers offers dedicated and personalized service through a network of local agents, which is beneficial for DUI drivers in Arizona.
- Adaptable Policies: Customize Arizona DUI insurance policies to suit your specific needs. Learn how in our complete Farmers auto insurance review.
- Protection from Rate Increases: The accident forgiveness feature helps DUI drivers in Arizona avoid premium hikes after the first incident.
Cons
- Higher Insurance Costs: DUI drivers in Arizona may find premiums with Farmers to be higher than some other options.
- Varied Claims Service: Some drivers report better DUI insurance claims handling from other Arizona companies than with Farmers.
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High-Risk Arizona Auto Insurance Rates After a DUI
The chart below details the monthly premiums for both basic and comprehensive coverage from major Arizona auto insurance companies for drivers with a DUI.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $57 | $148 |
| Allstate | $113 | $302 |
| Farmers | $71 | $188 |
| Geico | $47 | $124 |
| Liberty Mutual | $42 | $107 |
| Nationwide | $86 | $228 |
| Progressive | $37 | $98 |
| State Farm | $33 | $89 |
| Travelers | $58 | $154 |
| USAA | $51 | $135 |
State Farm provides the most affordable options, with basic coverage starting at $33 per month and comprehensive coverage at $89, making it a strong choice for those mindful of their budget.
High-risk auto insurance in Arizona will cost more than standard policies, but various providers offer different pricing structures, which can greatly influence your total insurance expenses. Understanding what impacts auto insurance rates after a DUI in Arizona can help you save money:
- Coverage Level: Opting for minimum coverage will generally cost less than full coverage but may not provide adequate protection.
- Vehicle Type: The make, model, and age of your vehicle can affect DUI insurance costs. Newer or luxury cars often lead to higher costs.
- Credit Score: Arizona insurance companies may use your credit history as an indicator of risk, impacting your premium rates.
- Location: Living in areas with high crime rates or heavy traffic can result in higher insurance costs due to increased risk.
By understanding these factors, DUI drivers in Arizona can better navigate their options and potentially reduce their insurance costs. Tailoring coverage to fit your specific needs and exploring discounts can also lead to significant savings. Keep reading for more tips on how to save money on auto insurance.
Read More: DWI vs. DUI Differences Explained
Expert Guide to Lowering Auto Insurance Costs After a DUI in Arizona
Facing higher auto insurance premiums after a DUI can be challenging, but there are strategies to help reduce these costs. Implementing a few smart approaches can make a significant difference in what you pay.
Taking advantage of available auto insurance discounts is the most effective strategy. Many insurers in Arizona offer savings for safe driving courses, installing anti-theft devices, or bundling multiple policies.
Shopping around and comparing quotes from different providers can also uncover more affordable options. Additionally, maintaining a clean driving record moving forward is crucial, as consistent, safe driving can gradually lower your rates over time.
Parents: here’s what you need to know before your teen gets behind the wheel. https://t.co/ybFeiiJHq6
— State Farm (@StateFarm) May 22, 2023
By implementing these tips, drivers with a DUI in Arizona can better manage their insurance expenses and find more affordable coverage options.
Leading Auto Insurance Companies for DUI Drivers in Arizona
When searching for the best auto insurance after a DUI in Arizona, a few providers stand out for their superior coverage and competitive rates. State Farm emerges as the top pick with cheap auto insurance after a DUI and valuable multi-policy discounts that cater to cost-conscious drivers.
Liberty Mutual provides 24/7 customer support, which is important for DUI drivers who need to file claims. AAA is a great option for members who are already taking advantage of free roadside assistance and other perks.
For reliable claims support and extensive coverage, State Farm is the top choice for DUI in Arizona.Justin Wright Licensed Insurance Agent
Each of these insurers offers unique advantages, helping DUI drivers in Arizona find coverage that meets their needs while managing costs effectively. Start saving on your auto insurance after a DUI in Arizona by entering your ZIP code below to compare free quotes.
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Frequently Asked Questions
What is the cheapest auto insurance for a DUI in Arizona?
State Farm is one of the top 10 cheapest auto insurance companies and offers some of the lowest monthly rates for drivers with a DUI in Arizona, making it a cost-effective option.
How long does a DUI in Arizona affect insurance?
A DUI in Arizona can impact your insurance rates for up to seven years, leading to higher premiums during this period. Get cheaper auto insurance coverage in Arizona with our quote comparison tool below.
What’s the best insurance for a DUI in Arizona?
State Farm is widely considered the best insurance provider for drivers with a DUI in Arizona due to its affordable rates and comprehensive coverage options.
How much does SR-22 insurance in Arizona cost after a DUI?
SR-22 auto insurance for DUI drivers in Arizona typically adds around $20 to $50 per month to standard car insurance premiums.
How long does it take for a DUI in Arizona to fall off your record?
A DUI in Arizona remains on your driving record for seven years, influencing insurance costs during that time.
How long do you lose your license for a first DUI in Arizona?
For a first DUI offense in Arizona, you may lose your license for up to 90 days.
What is an insurance deductible for DUI in Arizona?
An auto insurance deductible for DUI in Arizona is the amount you pay out of pocket before your insurance coverage kicks in for a claim.
What is full coverage auto insurance in Arizona?
Full coverage car insurance after a DUI in Arizona typically includes liability, collision, and comprehensive insurance, offering broad protection for DUI drivers.
Who has the lowest insurance rates for a DUI in Arizona?
State Farm generally offers the lowest insurance rates for DUI drivers in Arizona, combining affordability with reliable coverage. Uncover affordable auto insurance rates after a DUI in Arizona from the top providers by entering your ZIP code below.
What is the minimum car insurance required for a DUI in Arizona?
For drivers with a DUI, the Arizona minimum auto insurance requirements are liability coverage of $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
