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 Nationwide and Travelers.

CompanyAvg annual premiumAvg monthly premium
Geico$1,972$164
Nationwide$1,994$166
Travelers$2,019$168
Auto-Owners$2,238$187
Hartford$2,339$195
Mercury Insurance$2,397$200
State Farm$2,538$212
Progressive$2,543$212
Farmers$3,562$297
Allstate$3,565$297
CSAA (AAA)$4,574$381
USAA$2,183$182
Data updated in 2024
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Average rates for high-risk drivers in Arizona by driving record

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Arizona
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentDUI/DWI first offensePoor creditReckless drivingSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limit
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Arizona, AZ is $2,599
Show Graph View
Company nameAverage annual premium
Auto-Owners$1,698
Geico$1,790
State Farm$1,881
Nationwide$1,927
Travelers$1,964
USAA$2,076
Hartford$2,292
Progressive$2,914
Allstate$3,168
Mercury Insurance$3,296
CSAA (AAA)$3,578
Farmers$3,875
Average annual rate
Data updated in 2024
Read our full methodology

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
Travelers$2,059$172
Progressive$2,092$174
Auto-Owners$2,159$180
Geico$2,207$184
Mercury Insurance$2,224$185
Hartford$2,307$192
Nationwide$2,431$203
CSAA (AAA)$3,643$304
Allstate$3,739$312
Farmers$4,065$339
USAA$3,203$267
Data updated in 2024
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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 State Farm. It offers full coverage insurance at $1,742 per year or $145 monthly.

CompanyAvg annual premiumAvg monthly premium
State Farm$1,742$145
Nationwide$1,785$149
Auto-Owners$1,852$154
Geico$1,917$160
Travelers$1,969$164
Hartford$2,111$176
Mercury Insurance$2,378$198
Progressive$2,440$203
CSAA (AAA)$2,729$227
Farmers$3,034$253
Allstate$3,397$283
USAA$1,749$146
Data updated in 2024
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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
Travelers$2,059$172
Auto-Owners$2,159$180
Geico$2,207$184
Hartford$2,307$192
Nationwide$2,431$203
Progressive$2,611$218
CSAA (AAA)$2,914$243
Mercury Insurance$2,926$244
Allstate$3,739$312
Farmers$4,285$357
USAA$1,859$155
Data updated in 2024
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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 $1,662 or $139 per month.

CompanyAvg annual premiumAvg monthly premium
Geico$1,662$139
Nationwide$1,745$145
Travelers$2,092$174
Mercury Insurance$2,096$175
Hartford$3,088$257
Progressive$3,233$269
Auto-Owners$3,552$296
Allstate$3,722$310
Farmers$3,920$327
State Farm$6,522$544
CSAA (AAA)$12,700$1,058
USAA$2,787$232
Data updated in 2024
Read our full methodology

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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