Best Car Insurance After a DUI in Arizona 2024 (See the Top 10 Companies for 2024)
Are you a driver in Arizona with a DUI on your record? Finding car insurance may seem daunting, but this article provides essential information and tips on getting affordable coverage despite your past. Discover how to navigate the complexities and secure the best car insurance for drivers with a DUI in Arizona.
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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
UPDATED: Sep 10, 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: Sep 10, 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 reviewsState Farm, Geico, and Progressive are the best car insurance after a DUI Arizona that has a strong and lowest rate starting at $33 per month. It caters your need and prioritize your safety as well.
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.
- Best car insurance after a DUI in Arizona which offer specialized coverage options
- Understand the impact of a DUI on insurance rates
- Allstate provides top coverage, with rates starting at $33/month
#1 – State Farm: Top Overall Pick
Pros
- Low Rates: State Farm offers some of the lowest rates starting at $33 per month for drivers with a DUI in Arizona, making it a budget-friendly option for the best car insurance after a DUI in Arizona. This is especially valuable for those needing affordable insurance. Check out our “State Farm insurance review & ratings” for more info.
- Strong Customer Service: The company is known for its excellent customer service, which can be crucial when navigating insurance claims and policy management post-DUI, ensuring you get the best car insurance after a DUI in Arizona.
- Local Agents: State Farm has a large network of local agents who provide personalized assistance and support tailored to your specific needs, making it a strong contender for the best car insurance after a DUI in Arizona..
Cons
- Limited Discounts for DUI: State Farm may not offer as many discounts specifically tailored to DUI drivers, which could limit potential savings and make it less ideal for finding the best car insurance after a DUI in Arizona.
- Higher Rates for Severe DUIs: Drivers with more severe DUI convictions may face higher rates or stricter coverage options, which might make it less competitive for the best car insurance after a DUI in Arizona.
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#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Geico is known for offering competitive rates, making it a strong choice for cost-conscious drivers with a DUI, positioning it as one of the best car insurance options after a DUI in Arizona. Their pricing is often among the lowest available. Explore our “Geico auto insurance review” to gain valuable insights.
- User-Friendly Online Tools: Geico provides excellent online tools for managing policies and filing claims, which is beneficial for high-risk drivers seeking the best car insurance after a DUI in Arizona. Their app and website are highly rated.
- Comprehensive Coverage: They offer a range of coverage options, allowing DUI drivers to customize their policy to fit their needs and budget, ensuring the best car insurance after a DUI in Arizona.
Cons
- Customer Service Concerns: While Geico is competitive on price, some users report mixed experiences with customer service, which might be a drawback if you need extensive support to secure the best car insurance after a DUI in Arizona.
- Limited Specialized Programs: Geico may not offer specialized programs for high-risk drivers, which could limit options for those looking for the best car insurance after a DUI in Arizona.
#3 – Progressive: Best for Budgeting Tools
Pros
- Budgeting Tools: Progressive offers useful budgeting tools, like their Name Your Price® tool, which can help DUI drivers find affordable insurance within their budget, making it one of the best car insurance choices after a DUI in Arizona. This feature is useful for managing costs.
- Flexible Coverage Options: They provide flexible coverage options that can be adjusted to suit high-risk drivers, ensuring that you get the best car insurance after a DUI in Arizona. Their policies are adaptable to changing circumstances. Read our “Progressive insurance review and ratings” for further details.
- Snapshot Program: Progressive’s Snapshot program rewards safe driving, which could help DUI drivers lower their rates over time if they improve their driving habits, enhancing their position as the best car insurance after a DUI in Arizona.
Cons
- Higher Initial Rates: Initial rates for drivers with a DUI might be higher compared to some competitors, which could be less appealing if you’re seeking immediate savings for the best car insurance after a DUI in Arizona.
- Complex Discounts: The various discounts and programs offered can be complex to navigate, potentially making it harder for DUI drivers to find and apply for all available savings on the best car insurance after a DUI in Arizona.
#4 – Allstate: Best for Tailored Plans
Pros
- Tailored Plans: Allstate offers tailored insurance plans that cater specifically to drivers with a DUI, providing customized coverage options for the best car insurance after a DUI in Arizona. This helps address unique needs and circumstances.
- Reward Programs: Their rewards programs, like Drivewise, can help reduce premiums based on driving behavior improvements, making it easier to find the best car insurance after a DUI in Arizona if you’re working to improve your record.
- Local Agents: Like State Farm, Allstate has a network of local agents who can provide personalized assistance and support throughout the insurance process, contributing to the best car insurance after a DUI in Arizona. Read more on Allstate auto insurance review.
Cons
- Higher Premiums for DUIs: Allstate’s premiums for drivers with a DUI can be on the higher side compared to some other insurers, which might be a drawback if you’re looking for the most affordable option for the best car insurance after a DUI in Arizona.
- Limited Discounts: They may have fewer discounts specifically for DUI drivers, which could limit potential savings and make it less competitive for the best car insurance after a DUI in Arizona.
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#5 – Farmers: Best for Specialized Programs
Pros
- Specialized Programs: Farmers offers specialized programs for high-risk drivers, including those with a DUI, making it a strong option for the best car insurance after a DUI in Arizona. Their programs are designed to accommodate various risk levels.
- Accident Forgiveness: They offer accident forgiveness programs that might help prevent rate increases for minor infractions, which could benefit DUI drivers seeking the best car insurance after a DUI in Arizona. Read more on Farmers insurance review & ratings for more details.
- Discounts for Safe Driving: Farmers offers various discounts for safe driving habits, which can be beneficial for DUI drivers looking to reduce their rates over time for the best car insurance after a DUI in Arizona.
Cons
- Higher Initial Rates: The initial rates for drivers with a DUI might be higher compared to other insurers, which could be a drawback if you’re seeking immediate affordability for the best car insurance after a DUI in Arizona.
- Complex Policy Options: The range of policy options can be complex, making it challenging to select the most appropriate coverage for your specific needs and the best car insurance after a DUI in Arizona.
#6 – Nationwide: Best for High-Risk Policies
Pros
- High-Risk Policies: Nationwide provides high-risk policies that cater to drivers with a DUI, making it a suitable choice for the best car insurance after a DUI in Arizona. This specialization helps accommodate high-risk drivers.
- Flexible Payment Plans: They offer flexible payment plans that can help manage the cost of insurance, making it easier to afford the best car insurance after a DUI in Arizona despite a DUI conviction.
- Accident Forgiveness: Nationwide’s accident forgiveness program can help mitigate the impact of minor infractions, although DUI convictions might not benefit from this program, which can be part of the best car insurance after a DUI in Arizona.
Cons
- Potentially Higher Premiums: Premiums for DUI drivers can be higher with Nationwide compared to some competitors, which may be a drawback if you’re seeking the best car insurance after a DUI in Arizona with lower rates.
- Limited Discounts for DUI Drivers: They might have fewer discounts specifically for DUI drivers, which could limit overall savings for the best car insurance after a DUI in Arizona.
#7 – Liberty Mutual: Best for Accommodating History
Pros
- Accommodating History: Liberty Mutual offers policies that accommodate drivers with a DUI history, ensuring that you can find the best car insurance after a DUI in Arizona despite past convictions. Their policies are designed to be inclusive.
- Customizable Coverage: They provide customizable coverage options, allowing DUI drivers to adjust their policies according to their needs and budget, which can be beneficial for finding the best car insurance after a DUI in Arizona.
- Roadside Assistance: Liberty Mutual includes roadside assistance in their policies, adding an extra layer of support for all drivers, including those with a DUI, which is part of the best car insurance after a DUI in Arizona.
Cons
- Higher Costs for High-Risk Drivers: Insurance costs can be higher for drivers with a DUI, which might be a concern if you’re looking for the most cost-effective option for the best car insurance after a DUI in Arizona.
- Fewer Discount Options: Liberty Mutual might offer fewer discounts tailored to DUI drivers, which could limit potential savings when searching for the best car insurance after a DUI in Arizona.
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#8 – The Hartford: Best for Specialized Insurance
Pros
- Specialized Insurance: The Hartford offers specialized insurance for high-risk drivers, including those with a DUI, providing more tailored coverage options for the best car insurance after a DUI in Arizona. Their policies cater specifically to high-risk needs.
- Excellent Customer Service: Known for high-quality customer service, The Hartford provides better support during the insurance process and claims management, which is crucial for securing the best car insurance after a DUI in Arizona.
- Discounts for Safe Driving: They offer discounts for safe driving habits, which can be beneficial for DUI drivers looking to improve their record and secure the best car insurance after a DUI in Arizona.
Cons
- Potentially Higher Rates: Premiums for DUI drivers may be on the higher side, which could be a drawback if you’re seeking the most affordable option for the best car insurance after a DUI in Arizona.
- Limited Availability: The Hartford’s specialized policies might not be available in all areas, potentially limiting access for some drivers seeking the best car insurance after a DUI in Arizona..
#9 – Amica: Best for Customer Service
Pros
- Exceptional Customer Service: Amica is renowned for its excellent customer service, which is crucial when dealing with the complexities of insurance after a DUI, making it a strong option for the best car insurance after a DUI in Arizona. Their support is highly rated.
- Discount Opportunities: Amica offers a range of discounts, which might be beneficial for DUI drivers looking to save on their premiums, contributing to the best car insurance after a DUI in Arizona. This includes discounts for bundling policies or maintaining a good driving record.
- Comprehensive Coverage: They provide comprehensive coverage options that can be tailored to meet the needs of drivers with a DUI, ensuring you get the best car insurance after a DUI in Arizona.
Cons
- Higher Premiums for DUI Drivers: Initial premiums for drivers with a DUI might be higher compared to some other insurers, which could be less favorable if you’re looking for the most cost-effective option for the best car insurance after a DUI in Arizona.
- Limited High-Risk Programs: Amica may not have as many specialized programs for high-risk drivers, potentially limiting options for those seeking the best car insurance after a DUI in Arizona.
#10 – American Family: Best for Family Coverage
Pros
- Family Coverage: American Family offers comprehensive family coverage options, which can be advantageous for drivers looking for policies that cover multiple family members, making it a good choice for the best car insurance after a DUI in Arizona. This is especially useful for households.
- Flexible Policy Options: They provide flexible policy options that can be customized to fit the needs of DUI drivers, ensuring you find the best car insurance after a DUI in Arizona while managing costs.
- Good Customer Support: American Family is known for its reliable customer support, which can be valuable for handling insurance issues and claims efficiently, contributing to the best car insurance after a DUI in Arizona.
Cons
- Potentially Higher Costs: Insurance costs for DUI drivers might be higher with American Family, which could be a concern if you’re looking for more affordable options for the best car insurance after a DUI in Arizona.
- Limited Discounts for High-Risk Drivers: They may offer fewer discounts specifically tailored to DUI drivers, which could affect overall savings when searching for the best car insurance after a DUI in Arizona.
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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 |
|---|---|---|
| Allstate | $113 | $302 |
| American Family | $71 | $189 |
| Amica | $53 | $134 |
| Farmers | $71 | $188 |
| Geico | $47 | $124 |
| Liberty Mutual | $120 | $320 |
| Nationwide | $86 | $228 |
| Progressive | $37 | $98 |
| State Farm | $33 | $89 |
| The Hartford | $60 | $155 |
If you are convicted of a DUI, it will have significant implications on your car insurance rates.
What is a DUI?
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.
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.
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.
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.
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. Enter your ZIP code now to begin comparing.
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.
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.
How to Find the Best Car Insurance After a DUI
Finding affordable car insurance after a DUI conviction can be challenging, but it’s not impossible. Here are some factors to consider when looking for car insurance as a high-risk driver in Arizona. Check out the top best car insurance after a DUI in Arizona that has a competitive and cheapest rate including State Farm, Geico, and Progressive.
Factors to Consider When Looking for Car Insurance
When searching for car insurance after a DUI, it’s important to consider factors such as coverage options, deductibles, and customer service. While cost will be a significant factor, it’s essential to ensure that you have adequate coverage to protect yourself in the event of an accident or other incident.
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.
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.
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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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Mary Martin
Published Legal Expert
Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...
Published Legal Expert
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.
