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Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.

The average rate for high-risk car insurance in Arizona is $2,057. High-risk drivers in Arizona can expect to pay between $2,573 and $3,992 for car insurance depending on the reason for the rate increase.

The cheapest insurance in Arizona for high-risk drivers is, on average, Geico, however, it will vary based on your exact situation.

If you’re a high-risk driver, finding cheap car insurance in Arizona will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.

Key takeaways

  • The average cost of high-risk car insurance in Arizona is $2,057, but it varies depending on what’s on your record.
  • The average car insurance rate for a driver with a DUI in Arizona is $1,742, while a driver with a reckless driving conviction pays $1,742 on average.
  • Bad credit can also land you in the high-risk category, with an average rate of $1,559 in Arizona.

Cheapest car insurance for high-risk drivers in Arizona

Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Arizona is Geico, followed by Travelers and Nationwide.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$2,057$171
Travelers$2,344$195
Nationwide$2,379$198
State Farm$2,562$213
USAA$2,854$238
Mercury Insurance$2,881$240
Progressive$2,920$243
Auto-Owners$2,955$246
Hartford$3,047$254
Allstate$4,142$345
Farmers$4,306$359
CSAA (AAA)$5,837$486

Average rates for high-risk drivers in Arizona by driving record

Average cost of car insurance in Arizona for high-risk driver

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Cheapest car insurance with a DUI

A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Arizona for a driver with a DUI is State Farm with an average annual of $1,742 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$1,742$145
Progressive$2,007$167
Geico$2,085$174
Travelers$2,111$176
Auto-Owners$2,159$180
Mercury Insurance$2,178$182
Hartford$2,427$202
Nationwide$2,429$202
USAA$3,254$271
CSAA (AAA)$3,816$318
Allstate$3,854$321
Farmers$4,042$337

Cheapest car insurance with multiple tickets

While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Arizona, the cheapest car insurance with multiple tickets is from Geico. It offers full coverage insurance at $1,675 per year or $140 monthly.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$1,675$140
State Farm$1,742$145
Nationwide$1,778$148
Auto-Owners$1,908$159
USAA$2,104$175
Travelers$2,170$181
Progressive$2,626$219
Mercury Insurance$2,680$223
Hartford$2,688$224
CSAA (AAA)$3,265$272
Farmers$3,740$312
Allstate$3,839$320

Cheapest car insurance with a reckless driving conviction

Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Arizona, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,742 a year.

CompanyAvg Annual PremiumAvg Monthly Premium
State Farm$1,742$145
USAA$1,890$158
Geico$2,085$174
Travelers$2,111$176
Auto-Owners$2,159$180
Hartford$2,427$202
Nationwide$2,429$202
Progressive$2,526$211
Mercury Insurance$2,882$240
CSAA (AAA)$3,053$254
Allstate$3,854$321
Farmers$4,261$355

Cheapest car insurance with bad credit

Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Arizona is Geico with an average annual cost of $1,559 or $130 per month.

CompanyAvg Annual PremiumAvg Monthly Premium
Geico$1,559$130
Nationwide$1,744$145
Mercury Insurance$2,046$171
Travelers$2,139$178
USAA$2,834$236
Progressive$3,065$255
Hartford$3,237$270
Auto-Owners$3,552$296
Allstate$3,844$320
Farmers$3,851$321
State Farm$6,522$544
CSAA (AAA)$13,259$1,105

Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.

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