- Cheapest car insurance in Arizona for a bad driving record
- How much is high-risk car insurance in Arizona?
- Cheapest car insurance in Arizona with a DUI
- Cheapest car insurance in Arizona with multiple tickets
- Cheapest car insurance in Arizona with a reckless driving conviction
- Cheapest car insurance in Arizona with bad credit
- Cheapest car insurance after an accident in Arizona
- Cheapest car insurance in Arizona by city
- How to reduce car insurance rates in Arizona for a bad driving record
- Arizona car insurance laws for high-risk drivers
- Methodology
- Compare Arizona high-risk driver car insurance rates with other states
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, youâ??ll 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 |
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.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
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 |
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 |
Cheapest car insurance in Arizona with a reckless driving conviction
Travelers offers the most affordable rates for drivers with reckless driving convictions, averaging $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 |
Cheapest car insurance in Arizona with bad credit
In Arizona, GEICO provides the lowest premiums for drivers with poor credit, averaging $2,036 per year or $170 per month. Even with a low credit score, you can still find affordable auto insurance.
While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.
Check the table below to see how credit scores impact car insurance costs in Arizona.
| 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 |
Cheapest car insurance after an accident in Arizona
GEICO has the lowest average rates after an accident at $2,029 a year. Travelers also offers affordable rates, averaging $2,119 per year.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving 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 |
Cheapest car insurance in Arizona by city
Willcox has the cheapest car insurance rates in Arizona, averaging $2,995 a year. However, the most expensive city is Phoenix, with average insurance rates of $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 |
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 may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.
An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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++.
Compare Arizona high-risk driver car insurance rates with other states
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