Who Has Cheap Auto Insurance for Drivers with a DUI in Scottsdale?

Finding dependable, low-cost insurance is confusing at best, and finding out which company offers the cheapest car insurance rates for drivers with a DUI may require even more perseverance. Each insurer has a different formula to determine rates, so let’s begin by taking a look at the car insurance companies with the overall cheapest rates in Scottsdale.

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Cheapest auto insurance in Arizona ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Safeco $905
3 Auto-Owners $915
4 Travelers $1,086
5 USAA $1,124
6 Progressive $1,130
7 GEICO $1,142
8 CSAA $1,189
9 Ameriprise Group $1,220
10 Allied $1,233
11 Farm Bureau Mutual $1,259
12 Unitrin $1,303
13 State Farm $1,323
14 Safe Auto $1,336
15 Farmers $1,337
16 American Family $1,435
17 Amica $1,443
18 Titan $1,476
19 California Casualty $1,522
20 MetLife $1,551
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The Hartford offers some of the cheapest car insurance rates in Scottsdale at around $845 annually. This is $583 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the cheaper Scottsdale, AZ insurance companies.

As illustrated above, if you have coverage with USAA and switched to Safeco, you could earn annual savings of upwards of $219. Arizona drivers with Progressive might save as much as $225 a year, and GEICO customers might cut rates by $237 a year.

To discover how much you can save, click here to start your free quote or quote rates from the companies below.

It’s important to note that these policy rates are averaged for all drivers and vehicles and and are not calculated with a vehicle location for drivers with a DUI. So the company that has the lowest price for you may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own specific driver and vehicle information.

After getting a DUI, one of the largest components that help determine the cost of insurance is where you normally keep your vehicle in Scottsdale. Larger areas tend to pay more, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.

The table below lists the highest-priced places in Arizona for drivers with a DUI in which to buy car insurance. Scottsdale comes in at #5 with a yearly cost of $1,163 for the average insurance policy, which is approximately $97 each month.

How much does car insurance cost in Scottsdale, AZ?
Rank City Annual Premium
1 Phoenix $1,218
2 Glendale $1,214
3 San Tan Valley $1,196
4 Avondale $1,174
5 Scottsdale $1,163
6 Gilbert $1,154
7 Buckeye $1,144
8 Goodyear $1,131
9 Mesa $1,125
10 Maricopa $1,118
11 Chandler $1,115
12 Tempe $1,106
13 Peoria $1,104
14 Casa Grande $1,089
15 Catalina Foothills $1,082
16 Casas Adobes $1,082
17 Tucson $1,072
18 Oro Valley $1,062
19 Surprise $1,058
20 Yuma $963
21 Flagstaff $931
22 Prescott $914
23 Sierra Vista $890
24 Bullhead City $869
25 Lake Havasu City $844
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Annual rates are comparative as the specific Scottsdale residence address can change coverage prices considerably.

How to get discounts on Scottsdale car insurance

Cheaper Scottsdale, AZ car insurance after getting a DUICar insurance companies that sell policies for drivers with a DUI could also offer rate discounts that may potentially lower prices by 40% or more if you are eligible for them. Companies and some of the discounts are included below.

The example below illustrates the comparison of insurance costs with and without policy discounts. The price estimates are based on a male driver, no accidents and two traffic tickets, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with continuous coverage, homeowner, paid-in-full, anti-theft, marriage, and passive restraint discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for drivers with a DUI is 28% or $567.

Selecting the best auto insurance company can be challenging considering how many choices you have in Scottsdale. The information shown below may help you select which car insurance providers you want to consider comparing rates from.

These ratings are only comprised of large insurance companies, so companies without a large exposure will not be included in these rankings. If you’d like to compare prices from the insurers below and more, simply click here.

Scottsdale, AZ Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: Insure.com Best Car Insurance Companies

Rate increases following a ticket or accident

The easiest method to obtain cheap car insurance rates in Arizona after getting a DUI is to drive safe and avoid accidents and keep your driving record clean. The illustration below demonstrates how citations and at-fault collisions increase annual premium costs for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

In the chart above, the average cost of auto insurance in Arizona per year with no violations or accidents is $1,722. Receive one speeding ticket and the average cost hikes up to $1,939, an increase of $217 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of car insurance for drivers with a DUI increases to an average of $2,549. That’s an increase of $827, or $69 per month, just for not being a responsible driver!