The words “economical” and “auto insurance” really should not be used together, specifically when you are trying to find the lowest insurance prices for drivers with a DUI. To help control this cost, let’s open your eyes to some of the factors that can significantly affect auto insurance rates, and see how we can help you reduce the cost of your next policy.
The vehicle model to be insured is a significant factor when comparing quotes for the cheapest coverage for drivers with a DUI. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The next list illustrates coverage costs for a selection of the cheapest automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$2,210|
|Ford Escape XLS 2WD||$2,264|
|Ford Edge SE 2WD||$2,270|
|Ford Explorer XLT 2WD||$2,316|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,422|
|Chevrolet Silverado LS Regular Cab 2WD||$2,441|
|Toyota RAV4 2WD||$2,454|
|Toyota Tacoma Double Cab 4WD||$2,501|
|Ford F-150 XLT Super Cab 2WD||$2,539|
|Toyota Camry XLE||$2,590|
|Chevrolet Impala LS||$2,617|
|Honda Civic DX 4-Dr Sedan||$2,625|
|Honda Odyssey EX W/Rear Entertainment||$2,617|
|Ford Fusion S 4-Dr Sedan||$2,620|
|Jeep Grand Cherokee Laredo 4WD||$2,628|
|Dodge Grand Caravan Hero||$2,620|
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Data variables include single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in garaging location in Mesa, AZ which can raise or lower premiums substantially.
Looking at the numbers, makes and models like the Honda CR-V, Ford Escape, Ford Edge, Toyota Prius, and Ford Explorer will definitely be a few of the cheapest vehicles to insure after getting a DUI. Rates will trend higher because of the fact that there is more inherent risk for drivers with a DUI, but in general those models will tend to have the best rates compared to other types of vehicles.
One of the more important components that are looked at to help calculate the cost of insurance is where you choose to live in Mesa. Areas with increased crime or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The table below ranks the most expensive areas in Arizona for drivers with a DUI to purchase car insurance in. Mesa makes the list at #9 with the annual price of $1,125 for the average insured, which is around $94 monthly.
|Rank||City||Premium Per Year|
|2||San Tan Valley||$1,196|
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Rate information is comparative as zip code location can influence price quotes greatly.
Impact of careless driving on car insurance rates
The obvious way to earn good car insurance premiums after getting a DUI is to be a cautious driver and avoid accidents and traffic violations. The illustration below illustrates how traffic citations and at-fault fender-benders can influence car insurance rates for each age group. The information is based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
The chart shows that the average cost of an auto insurance policy in Mesa per year with a clean driving record and no accidents is $1,074. Add in two speeding tickets and the average cost increases to $1,471, an increase of $397 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance for drivers with a DUI goes up to an average of $1,875. That’s an increase of $801, or $67 per month, just for not being attentive to the road!
Full coverage rates compared to liability only
Finding cheaper car insurance is the goal of most drivers, and one good way to buy cheaper insurance for drivers with a DUI is to buy liability only. The illustration below illustrates the comparison of car insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.
If the expense is averaged for all age categories, physical damage coverage costs $1,681 per year over and above liability only. Many of you may wonder if full coverage is worth the money. There is no clear-cut rule to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
The illustration below shows how choosing a deductible can impact insurance prices when quoting cheap insurance for drivers with a DUI. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 30-year-old driver could lower their car insurance rates by $278 a year by changing from a $100 deductible up to a $500 deductible, or save $418 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could save $808 annually by choosing a higher deductible. When increasing deductibles, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How to find budget-friendly auto insurance for drivers with a DUI
Here are some money-saving solutions that can help Arizona drivers get cheap auto insurance.
- Prevent rate increases by staying accident-free
- Multi-policy discounts save money
- Save money by observing traffic laws and speed limits
- Buy a car with high safety ratings
- Having too many claims will increase rates substantially
- Ensure you have the best deal by shopping around regularly
The last idea is extraordinarily vital, as we stressed in this article. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if a cheaper price is available.
Having a favorite company is fine, but it isn’t a good idea if your bullheadedness ends up costing you a small fortune. If you have a few minutes, compare rates to find cheaper insurance for drivers with a DUI in Mesa.
If you have coverage questions and would like to have a professional recommendation when shopping around for cheaper insurance for drivers with a DUI, the professional agents shown below can most likely aid you in deciding which auto insurance policy would work best for you.
To find an agent using an interactive map, click the button at the bottom.
- Allstate Insurance: John Lawlor
4710 E Falcon Dr Ste 111 – Mesa, AZ 85215 – (480) 807-0675
- Allstate Insurance: Ramon Henriquez
848 S Alma School Rd #9 – Mesa, AZ 85210 – (480) 777-7820
- Wilson Insurance
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400
- Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117
- Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033