Car Insurance After a DUI in Arizona: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Arizona increases car insurance rates by an average of 89%, raising a typical full coverage policy from $2,148/year to $4,060/year. That's an increase of $1,912/year ($159/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Arizona
Before DUI
$179/mo
$2,148/year full coverage
After DUI (+89%)
$338/mo
$4,060/year full coverage
Cheapest Companies After DUI in Arizona
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $250/mo | $3,004/yr | Military families |
| Erie Insurance | $267/mo | $3,207/yr | Rate lock guarantee |
| GEICO | $277/mo | $3,329/yr | Clean driving record |
| Progressive | $298/mo | $3,573/yr | Telematics savings |
| State Farm | $308/mo | $3,695/yr | Good students |
| Travelers | $321/mo | $3,857/yr | Multiple discounts |
| Nationwide | $352/mo | $4,222/yr | Bundling home + auto |
| Farmers | $365/mo | $4,385/yr | Signal telematics |
| Allstate | $379/mo | $4,547/yr | Accident forgiveness |
| Liberty Mutual | $399/mo | $4,791/yr | New car replacement |
USAACheapest
Monthly
$250/mo
Annual
$3,004/yr
Best for: Military families
Erie Insurance
Monthly
$267/mo
Annual
$3,207/yr
Best for: Rate lock guarantee
GEICO
Monthly
$277/mo
Annual
$3,329/yr
Best for: Clean driving record
Progressive
Monthly
$298/mo
Annual
$3,573/yr
Best for: Telematics savings
State Farm
Monthly
$308/mo
Annual
$3,695/yr
Best for: Good students
Travelers
Monthly
$321/mo
Annual
$3,857/yr
Best for: Multiple discounts
Nationwide
Monthly
$352/mo
Annual
$4,222/yr
Best for: Bundling home + auto
Farmers
Monthly
$365/mo
Annual
$4,385/yr
Best for: Signal telematics
Allstate
Monthly
$379/mo
Annual
$4,547/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$399/mo
Annual
$4,791/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Arizona, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Arizona
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Arizona
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Arizona
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $338/mo | +89% |
| Year 1 | $322/mo | +80% |
| Year 2 | $298/mo | +67% |
| Year 3 | $259/mo | +45% |
| Year 5 | $211/mo | +18% |
| Year 7 | $179/mo | Normal |