Best Auto Insurance After a DUI in Arizona (Top 10 Companies for 2025)

State 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.

Our Top 10 Company Picks: Best Auto Insurance After a DUI in Arizona

Find the best car insurance after a DUI in Arizona by entering your ZIP code into our free quote tool below.

#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.

#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.

#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.

#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.

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.

DUI Auto Insurance Monthly Rates in Arizona by Provider & Coverage Level

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.

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.

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.