Cheapest car insurance for high-risk drivers in Arizona

Cheapest car insurance in Arizona for a bad driving record

Drivers with a poor record in Arizona will find the lowest rates from Travelers, GEICO and Progressive. Among these, Travelers provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,234 annually.

If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.

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?

In Arizona, the average cost of high-risk car insurance is $3,679 per year. However, you may secure coverage from Travelers for as low as $2,234 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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 high-risk for insurance in Arizona?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Arizona with a DUI

While many insurers offer coverage after a DUI, Travelers provides the average cheapest coverage for $2,279 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Arizona.

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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Cheapest car insurance in Arizona with multiple tickets

Travelers is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,183 a year or $182 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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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Cheapest car insurance in Arizona with a reckless driving conviction

Travelers offers the cheapest rates for drivers with reckless driving convictions at $2,279 per year.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

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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Cheapest car insurance in Arizona with bad credit

The cheapest Arizona insurer for bad credit is GEICO, with rates averaging $2,036 annually or $170 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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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Cheapest car insurance after an accident in Arizona

GEICO has the lowest rates after an accident at $2,029 a year. Travelers also has affordable rates at $2,119 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one 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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Cheapest car insurance in Arizona by city

Willcox has the cheapest car insurance rates in Arizona at $2,995 per year. But the most expensive city is Phoenix with rates of $4,699 per year.

Your location in Arizona also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

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 to reduce car insurance rates in Arizona for a bad driving record

Finding affordable car insurance in Arizona is possible, even with a bad driving record. Ways to lower car insurance rates include:

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.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

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 California depends 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.

Arizona car insurance laws for high-risk drivers

If you're a high-risk driver in Arizona, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.