How a DUI Affects Car Insurance Rates in Arizona

by | Mar 27, 2026

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A DUI conviction doesn’t end with court.  It can follow you into your finances, especially with car insurance.

SR-22 Requirement

In Arizona, drivers with a DUI must file an SR-22 certificate — proof of high-risk insurance.

Increased Premiums

Insurance rates may double or triple after a DUI.  Some carriers may even cancel your policy altogether.

Length of Impact

Arizona typically requires SR-22 filing for 3 years.  During this time, your insurance costs can remain significantly higher.

Why This Matters

Over 3 years, a DUI could cost you thousands in additional premiums, on top of court fines and legal fees.

What You Can Do

  • Shop around for high-risk insurance providers
  • Complete DUI education programs
  • Avoid further violations to improve your record