- 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
- Compare Arizona high-risk driver car insurance rates with other states
Cheapest car insurance in Arizona for a bad driving record
Travelers, Geico, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Arizona.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Arizona?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Arizona with a DUI
While many insurers offer coverage after a DUI, Travelers provides the average cheapest coverage for $2,279.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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
Travelers is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $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.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with 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
Geico offers the cheapest rates for drivers with poor credit at $2,036 or $170. However,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, averaging $2,995. However, the most expensive city is Phoenix, with average insurance rates of $4,699.
Where you live in Arizona also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| 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.
PEOPLE ASK:
How long are you considered a high-risk driver in Arizona?
Three years is common, but how long you are considered a high-risk driver in Arizona depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Arizona car insurance laws for high-risk drivers
If you're a high-risk driver in Arizona, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Compare Arizona high-risk driver car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Arizona car insurance laws and requirements: What is changing in 2025
- Arizona DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Arizona
- SR-22 insurance in Arizona
- Non-owner car insurance in Arizona: Best and cheapest companies
- Arizona gap insurance: Everything you need to know
- Low-income car insurance in Arizona: What you need to know
- Arizona car insurance guide
- Cheapest home and auto insurance bundle in Arizona
- Best cheap car insurance in Arizona for 2024
