Cheapest car insurance for high-risk drivers in Arizona

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

Travelers, GEICO, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Arizona.

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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Arizona, high-risk car insurance costs $3,679 per year. However, you can get rates as low as $2,234 annually from Travelers.

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.

Read on as we explain high-risk car insurance factors and rates below.

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?

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.

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

The cheapest insurer for drivers with multiple tickets is Travelers, with rates averaging $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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Key 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 has the cheapest rates for drivers with reckless driving convictions at $2,279 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

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

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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Key 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?

In Arizona, the lowest car insurance rates are found in Willcox, averaging $2,995 annually. On the other hand, Phoenix has the highest rates at $4,699 a year.

Where you live in Arizona matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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 can high-risk drivers lower their car insurance rates in Arizona?

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's car insurance laws 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.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance 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: