Cheapest car insurance for high-risk drivers in Arizona

Which company has the cheapest car insurance in Arizona for a bad driving record?

Travelers offers the cheapest average car insurance rate for high-risk drivers in Arizona at $2,234 a year. GEICO and Progressive also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Travelers	$1,489	$2,234
GEICO	$1,312	$2,468
Progressive	$1,903	$2,742
Nationwide	$1,726	$2,876
Auto-Owners	$1,539	$3,065
Allstate	$2,215	$3,493
Farmers	$2,331	$3,655
State Farm	$2,233	$4,075
USAA	$1,581	$2,560

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How much is high-risk car insurance in Arizona?

Travelers has the cheapest average DUI insurance rates in Arizona at $2,279 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

Average annual car insurance rate for At-fault bodily injury accident in Arizona, AZ is $2,898

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Company	Annual premium for clean record	Annual premium after violation
GEICO	$1,312	$1,588
Auto-Owners	$1,539	$2,141
Travelers	$1,489	$2,177
USAA	$1,581	$2,435
State Farm	$2,233	$2,565
Nationwide	$1,726	$2,783
Progressive	$1,903	$3,111
Allstate	$2,215	$3,143
Farmers	$2,331	$4,042

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Average annual rate

People ask

Who is considered a high-risk driver in Arizona?

Drivers in Arizona are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

What company offers the cheapest car insurance in Arizona after a DUI?

Travelers offers the cheapest average rates after a DUI in Arizona at $2,279 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Arizona for drivers with a clean record versus those with a DUI.

Company	Average annual premium for clean record	Annual premium for a DUI
Travelers	$1,489	$2,279
Progressive	$1,903	$2,320
State Farm	$2,233	$2,375
Auto-Owners	$1,539	$2,743
GEICO	$1,312	$2,787
Nationwide	$1,726	$3,552
Allstate	$2,215	$3,648
Farmers	$2,331	$4,380
USAA	$1,581	$3,770

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What is the cheapest car insurance in Arizona with multiple tickets?

Travelers offers the lowest average rates for drivers with multiple traffic tickets at $2,183 annually or $182 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Arizona drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Travelers	$1,489	$2,183
State Farm	$2,233	$2,375
GEICO	$1,312	$2,400
Nationwide	$1,726	$2,567
Progressive	$1,903	$2,657
Auto-Owners	$1,539	$2,743
Farmers	$2,331	$3,003
Allstate	$2,215	$3,335
USAA	$1,581	$2,045

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Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Arizona?

Travelers offers the cheapest average reckless driving insurance rates in Arizona at $2,279 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Travelers	$1,489	$2,279
State Farm	$2,233	$2,375
Auto-Owners	$1,539	$2,743
GEICO	$1,312	$2,787
Progressive	$1,903	$3,040
Nationwide	$1,726	$3,552
Allstate	$2,215	$3,648
Farmers	$2,331	$4,505
USAA	$1,581	$2,176

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Expert's Insight Some insurers may limit your coverage options after a reckless driving conviction, making quote comparisons even more important.

Which company has the cheapest car insurance for drivers with bad credit in Arizona?

The cheapest Arizona insurer for bad credit is GEICO, with rates averaging $2,036 per year or $170 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Arizona car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
GEICO	$1,312	$2,036
Travelers	$1,489	$2,301
Nationwide	$1,726	$2,453
Progressive	$1,903	$3,125
Allstate	$2,215	$3,660
Farmers	$2,331	$4,037
Auto-Owners	$1,539	$4,353
State Farm	$2,233	$12,577
USAA	$1,581	$3,281

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What company has the cheapest car insurance in Arizona after an accident?

GEICO has the cheapest average post-accident insurance rates in Arizona at $2,029 per year. Travelers also offers below-average rates after an at-fault crash.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
GEICO	$1,312	$2,029	$2,952
Travelers	$1,489	$2,119	$2,695
Auto-Owners	$1,539	$2,141	$3,882
Nationwide	$1,726	$2,461	$3,752
State Farm	$2,233	$2,565	$2,565
Progressive	$1,903	$3,111	$4,301
Allstate	$2,215	$3,143	$3,903
Farmers	$2,331	$3,720	$4,324
USAA	$1,581	$2,435	$3,604

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Arizona?

Willcox has the cheapest average high-risk car insurance rates in Arizona at $2,995 per year. In comparison, drivers in Phoenix pay the highest average rates at $4,699 annually.

Where you live in Arizona also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

City	Average annual premium for clean record	Annual premium for high-risk driver
Willcox	$1,524	$2,995
Douglas	$1,547	$3,039
Benson	$1,602	$3,179
Sedona	$1,632	$3,217
Nogales	$1,720	$3,618
Tucson	$1,879	$3,804
Mesa	$1,976	$4,019
Tempe	$2,000	$4,074
Avondale	$2,099	$4,228
Phoenix	$2,251	$4,699

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How can high-risk drivers lower their car insurance rates in Arizona?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Arizona, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

People ask

How long are you considered a high-risk driver in Arizona?

Three years is common, but how long you are considered a high-risk driver in Arizonadepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Arizona's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in Arizona, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Arizona

Can high-risk drivers get full coverage car insurance in Arizona?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Arizona?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.