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The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more.

Most insurance companies offer a cheaper price to drivers with good records. But if you have been cited or have tickets on your record, then your insurance premiums will likely go up.

However, comparison shopping can help you save money on your car insurance premiums. Our research for drivers with a clean record can help you save on car insurance. But if you have a bad driving record, then you'll have to pay more for car insurance.

Worry not! We are here to help. Our team of experts has analyzed hundreds of companies to find the cheapest rates available for drivers with less than perfect records.

Cheapest car insurance for high-risk drivers in Arizona with an at-fault accident

Auto-Owners offers the cheapest car insurance rates for drivers with an accident record. With an average annual rate of $1,698 per year after the accident, Auto-Owners rates are 34.08% cheaper than the Arizona state average (rates after the accident) and $1,389 Less than the national average of $3,087 (rates after the accident).

However, you can save on your insurance by comparing price quotes from multiple insurers.

CompanyAvg Annual Premium
Auto-Owners$1,698
Nationwide$1,716
Geico$1,790
State Farm$1,881
Travelers$1,910
Hartford$2,292
Progressive$2,914

Auto insurance for high-risk drivers in Arizona with a DUI

State Farm offers the cheapest car insurance for high-risk drivers with a DUI in Arizona. It costs $1,742 a year on average for a full coverage policy after a DUI. If you get pulled over for driving under the influence, your car insurance rates will likely skyrocket. Having a DUI on your driving record can make it difficult to get car insurance because auto insurers often designate drivers who have been convicted of DUI as high-risk. The cost of auto insurance can vary widely after a DUI, depending on your state and the insurer. Based on our rate data analysis, we have put together a list of the companies that offer cheap car insurance for drivers with a DUI in Arizona.

CompanyAvg Annual Premium
State Farm$1,742
Geico$2,489
Travelers$2,503
Mercury$2,701
Progressive$2,770
Nationwide$2,884
Hartford$3,035

Arizona car insurance rates for high-risk drivers with speeding tickets

The cheapest insurance carrier for drivers with speeding tickets on their record is Nationwide. It offers full coverage insurance to Arizona drivers for $1,568 per year or $131 monthly. If you get a speeding ticket, your car insurance company will likely raise your rates when it comes time to renew your policy. But comparison shopping can help you trim your insurance cost overall.

CompanyAvg Annual Premium
Nationwide$1,568
State Farm$1,742
Auto-Owners$1,768
Geico$1,775
Travelers$1,988
Hartford$2,193
Mercury$2,494

Cheapest auto insurance rates for high-risk drivers in Arizona with poor credit

Geico is the cheapest insurance company for high-risk drivers with poor credit. On average, the cost $1,662 per year for a full coverage policy in Arizona. Insurers use your credit score as one factor when deciding how much to charge for coverage. If you're paying too high because of this, switching companies could save money in the long run.

CompanyAvg Annual Premium
Geico$1,662
Nationwide$1,745
Travelers$2,092
Mercury$2,096
Hartford$3,088
Progressive$3,233
Auto-Owners$3,552

How much is car insurance for high-risk drivers in Arizona with SR22?

The cheapest auto insurance in Arizona with an SR-22 is Geico with an average annual cost of $1,643 or $137 per month.

If you have a DUI or DWI conviction on your driving record, you might need your insurance company to file an SR-22 form with the state DMV in your name. SR-22 is a guarantee from a car insurance company to the state that you have the legally mandated coverage.

CompanyAvg Annual Premium
Geico$1,643
Travelers$1,697
Nationwide$1,847
Hartford$1,924
Auto-Owners$1,999
State Farm$2,035
Mercury$2,051