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.
Compare Cheap Insurance Quotes after a DUI
| 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 |
| View More Rates Go | ||
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.
| 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 |
| Compare Prices Now Go | ||
Annual rates are comparative as the specific Scottsdale residence address can change coverage prices considerably.
How to get discounts on Scottsdale car insurance
Car 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.
- Farmers Insurance policyholders can earn discounts including business and professional, switch companies, teen driver, good student, and electronic funds transfer.
- State Farm includes discounts for accident-free, driver’s education, good driver, anti-theft, defensive driving training, and passive restraint.
- Liberty Mutual has savings for new move discount, newly married, safety features, new graduate, preferred payment discount, and hybrid vehicle.
- MetLife may offer discounts for multi-policy, accident-free, claim-free, defensive driver, good student, and good driver.
- Progressive may include discounts for online signing, good student, multi-policy, homeowner, multi-vehicle, and continuous coverage.
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.
| 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 |
| Compare Rates Now Go | ||||||
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!