- 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
Cheapest car insurance in Arizona for a bad driving record
If you have a poor driving record in Arizona, Travelers, Geico, Progressive are the cheapest options. Travelers has the lowest annual rate at $2,234.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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. However, you can get rates as low as $2,234 from Travelers.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
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 |
Cheapest car insurance in Arizona with a DUI
While many insurers offer coverage after a DUI, Travelers has the lowest rate at $2,279.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. 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 traffic tickets is Travelers, with rates averaging $2,183 or $182.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 cheapest rates for drivers with reckless driving convictions at $2,279.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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
The cheapest Arizona insurer for bad credit is Geico, with rates averaging $2,036 or $170. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Arizona car insurance.
| 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 rates after an accident at $2,029. Travelers also has affordable rates at $2,119.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean 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 at $2,995. But the most expensive city is Phoenix with rates of $4,699.
Your location in Arizona also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| 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:
- 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.
Arizona car insurance laws for high-risk drivers
If you’re considered a high-risk driver in Arizona, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don’t need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
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