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
- Average rates for high-risk drivers in Arizona by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
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.
| Company | Avg Annual Premium | Avg 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
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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.
| Company | Avg Annual Premium | Avg 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 |
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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