The make and model of vehicle you are insuring is one of the main factors that determines whether or not you can buy the most economical car insurance for drivers with a DUI. Vehicles with more horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The information below illustrates car insurance premiums for the most economical vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$2,560|
|Ford F-150 XL Super Cab 2WD||$2,749|
|Dodge Grand Caravan SE||$2,806|
|Chevrolet Malibu Hybrid||$2,969|
|Toyota RAV4 Limited 4WD||$2,975|
|Honda Odyssey EX-L W/Rear Entertainment||$3,131|
|Chevrolet Impala LTZ||$3,138|
|Volkswagen Jetta S 2.5 Station Wagon||$3,164|
|Ford Escape Limited 4WD||$3,173|
|Chevrolet Equinox LTZ AWD||$3,185|
|GMC Sierra SLT Crew Cab 2WD||$3,190|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$3,185|
|Dodge Ram Crew Cab ST 4WD||$3,233|
|Jeep Grand Cherokee Laredo 2WD||$3,272|
|Toyota Tacoma Double Cab 4WD||$3,280|
|Ford Explorer Eddie Bauer 4WD||$3,332|
|Ford Edge SEL AWD||$3,371|
|Toyota Camry Hybrid||$3,395|
|Toyota Camry Hybrid||$3,405|
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Data based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in Phoenix, AZ location which can impact prices substantially.
Based upon the table data, you can infer that vehicles like the Honda CR-V, Ford F-150, Toyota Prius, Dodge Grand Caravan, and Chevrolet Malibu will definitely be some of the cheaper vehicles to insure after getting a DUI. The price for an auto insurance policy will tend to be more expensive anyway because there is more inherent risk for drivers with a DUI, but in general those specific models will have the cheapest rates possible.
Deciding which companies quote the lowest-priced auto insurance rates for drivers with a DUI requires a little more effort than just comparing a company or two.
Each insurer has a proprietary method to set premium rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Arizona. It’s important to understand that Arizona auto insurance rates are impacted by many factors which can substantially change the cost of coverage. Simply getting older, filing a claim, or getting a few speeding tickets can produce rate changes that can make some companies cheaper in comparison to the competition.
Best Auto Insurance Prices after a DUI
The Hartford offers some of the best car insurance rates in Phoenix at around $836 each year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the best Phoenix, AZ insurance companies.
As depicted above, if you are insured with Auto-Owners and switched to The Hartford, you could see an annual savings of in the vicinity of $52. Arizona drivers with Safeco may save as much as $96 a year, and USAA policyholders might reduce rates by $255 a year.
To compare your rates to other Arizona insurance companies, click here to get a free quote or visit several of the following companies.
These rates are averages across all drivers and vehicles in Arizona and and are not calculated with a specific zip code for drivers with a DUI. So the insurer that can offer you the lowest price may not even be in the top 28 companies in the list above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.
Selecting a good quality auto insurance provider can be rather challenging considering how many choices drivers have in Phoenix. The company information shown below could help you pick which coverage providers you want to consider when trying to find the cheapest insurance for drivers with a DUI. The rankings below are only made up of companies that insure vehicles nationwide, so smaller companies are not included in these rankings.
Top 10 Major Car Insurance Companies Overall in Phoenix
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
The information below demonstrates how deductible levels can influence yearly insurance costs when trying to find cheap insurance for drivers with a DUI. The costs are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
As shown above, a 40-year-old driver could lower their policy premium by $244 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $370 by using a $1,000 deductible. Younger drivers, like the Age 20 chart data, could roll back prices $808 or even more just by choosing larger deductibles. When using a larger deductible, it’s a good idea to have emergency funds available to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Low rates today, overpriced tomorrow
Arizona auto insurance rates are based on many factors that may substantially change the policy premium. Simply having a birthday, getting married, or having an at-fault accident can trigger price changes that can make some companies more affordable than the competition. Also, insurance companies file new rates at least once a year to adjust for heavy claims or excess profits. A period of increased losses can result in rate increases, while a profitable period can result in lower-priced Phoenix car insurance rates.
For instance, the graph below shows rates for the cheapest car insurance in Phoenix, AZ for a 45-year-old male driver with no accidents, a clean driving record, and great credit. If we look at prices based on his current risk factors, The Hartford has the most affordable car insurance rates in Phoenix at $1,269 per year. This is $159 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers round out the rest of the best Phoenix, AZ auto insurance companies.
Now we will give the driver from above a claim surcharge, a lower credit rating, and a blemish on his driving record. Because each company has a unique approach to set premium rates, comparing insurance quotes will most likely result in a different ranking of affordable Phoenix car insurance companies as shown below.
GEICO now has the lowest price on auto insurance in Phoenix, AZ with CSAA, Ameriprise Group, Allied, and Safeco now being in the top five. This example shows why drivers need to do a thorough rate comparison when trying to get the most economical auto insurance quotes for drivers with a DUI. Insurance prices are influenced by many things and can increase or decrease at any time, so the most affordable company three years ago may now be one of the more expensive options.