Arizona Car Insurance After a DUI

If you get a DUI in the state of Arizona, your auto insurance policy is going to get more expensive — it's a matter of by how much.


How does a DUI affect auto insurance in Arizona?


In Arizona, a DUI can raise your annual car insurance cost by an average of $769. That’s 43% less than the nationwide average rate hike after a DUI.


CAR INSURANCE AFTER A DUI IN ARIZONA — AVERAGE ANNUAL PENALTY
AreaAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Arizona$1,470$2,239+52%
United States$1,548$2,556+65%

How to find car insurance in Arizona after a DUI


Purchasing cheap car coverage in the wake of a DUI conviction is far from simple. In fact, a DUI usually results in a bigger rate increase than does any single driving transgression — more than an at-fault accident, reckless driving, or racing.


Low-cost car insurance after a DUI in Arizona

If you have been convicted of a DUI or DWI offense in Arizona, it’s important to weigh your insurance options with care. Auto insurance prices following a DUI can vary substantially depending on the company. For instance, the most affordable car insurance company with a DUI in Arizona, State Farm, provides annual premiums 33% more affordable than the statewide mean insurance price after a DUI violation. The second-cheapest insurer for car insurance after a DUI in Arizona is American Family, and the most expensive company is Allstate, with prices 38% above the mean.


AUTO INSURANCE RATES WITH DUI IN ARIZONA — BY COMPANY
Insurance CompanyAvg. Annual Rate — with DUI
State Farm$1,490
American Family$1,556
GEICO$1,603
Progressive$1,977
Farmers$2,636
USAA$2,911

There’s no auto insurance company, in particular, offering cheap DUI car insurance. The most effective way to limit your losses post-DUI violation is to assess multiple insurers.

Compare auto insurance quotes online or contact an insurance agent to survey the landscape and find a relatively cheap plan.

Learn more about car insurance and DUI infractions.

Find affordable car insurance today.

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Arizona DUI laws

In Arizona, you're considered to be driving under the influence if your blood alcohol concentration is above the limit of 0.08%. This is classified as a “standard DUI.”

Commercial drivers in Arizona are considered to be DUI if their BAC reads 0.04% or higher. Underage drivers are DUI in Arizona if there is anytrace of alcohol in their system.

In Arizona, it is possible to commit an act of “extreme DUI” if a driver's BAC is at or above 0.15%.

You are guilty of an “aggravated DUI” if:

  • You are DUI while your license is suspended, revoked, or cancelled
  • You are found to be DUI for the third time in an 84-month period
  • You are DUI while transporting a passenger under 15 years old

Penalties for standard DUI in Arizona

Arizona maintains a zero-tolerance policy for DUI, so penalties are severe in an attempt to discourage drivers from driving under the influence.

For first-time DUI offenders in Arizona:

  • Will be jailed for 24 hours to 10 days
  • Must pay at least $1,250 in fines, plus jail costs and a monitoring fee
  • Must undergo screening and counseling
  • Will receive a 90-day license suspension or one-year revocation
  • Must install and use an IID on every vehicle driven for a period of 12 months
  • May have to perform community service

Those committing a standard DUI offense two or more times in Arizona:

  • Will be jailed for at least 90 days
  • Must pay fines of at least $3,000
  • Will have their license revoked for 12 months
  • Must undergo a mandatory alcohol/drug screening, treatment, and education program
  • Require an IID on every vehicle driven for a period of 12 months
  • Must perform 30 hours of community service

Penalties for extreme DUI in Arizona

Drivers found guilty of committing extreme DUI with a BAC of 0.15% or higher are subject to more severe penalties.

First-time extreme DUI offenders in Arizona:

  • Will be jailed for 30 days (but are eligible for home detention after serving two days)
  • Must pay fines of at least $2,500
  • Must undergo screening and counseling
  • Will have their license suspended for 90 days
  • Will require an IID on all vehicles driven for a period of 12 months
  • May have to perform community service

Those guilty of committing an extreme DUI offense for the second time in Arizona:

  • Will be jailed for 120 days (but eligible for home detention after serving 24 days)
  • Must pay fines of at least $3,250
  • Will have their driver's license revoked for 12 months
  • Must undergo alcohol/drug screening and participate in a treatment and education program
  • Must use an IID on all vehicles driven for a period of 12 months
  • Must perform 30 hours of community service

Penalties for aggravated DUI in Arizona

Because aggravated DUI demonstrates willful disobedience despite past DUI offenses, there are stiff penalties for aggravated DUIs in Arizona. Those guilty of committing an aggravated DUI:

  • Will be imprisoned for up to two years
  • Will have their license revoked for one year
  • Must undergo a mandatory alcohol/drug screening, treatment, and education program
  • Must install and use an IID for a period of time
  • May be required to perform community service
  • May be subject to other fees and fines as ordered by the court

DUI penalties for underage drinkers in Arizona

Those under legal drinking age and driving with anyreadable BAC are subject to the following penalties for underage DUI in Arizona:

  • Unless charged as a juvenile, the DUI charge is added to the offender's permanent criminal record
  • Up to 180 days in jail (no mandatory minimum if underage DUI is the only offense)
  • No mandatory minimum, but up to $4,575 in fines and fees
  • No mandatory probation, but possibility for up to three years of probation
  • Suspension of their driver's license for up to two years (with the possibility of a restricted license)
  • Possibility of stricter fines and punishments for repeat offenses

Sources and references:

https://www.dmv.org/az-arizona/automotive-law/dui.php

https://www.azcentral.com/story/news/local/arizona/2015/05/22/arizona-dui-laws/27781089/

https://www.azdot.gov/motor-vehicles/driver-services/driver-improvement/dui

https://dui.findlaw.com/dui-laws-resources/arizona-dui-laws.html

https://dui.drivinglaws.org/arizona.php

https://www.azleg.gov/ars/28/01383.htm

https://tobinlawoffice.com/underage-drinking-driving-arizona/

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.