A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Arizona, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Arizona law considers DUI a serious offense, and as a result, insurance companies may increase premiums by an average of 80% or more following a conviction. This is because insurers view drivers with DUI/DWI convictions as high-risk. Additionally, multiple DUI/DWI convictions can lead to even more severe consequences, including the possibility of insurance companies refusing to provide coverage. This can make it challenging for drivers with multiple offenses to find the necessary insurance to legally operate a vehicle. Furthermore, Arizona law requires drivers convicted of DUI to obtain an SR-22 form from their insurer, which is a certificate of financial responsibility that must be filed with the state's Motor Vehicle Division, indicating that the driver carries the minimum required insurance coverage. The requirement for an SR-22 can also lead to increased insurance costs and can be required for several years after the conviction.