- 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 Nationwide and Travelers.
| Company | Avg annual premium | Avg 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 |
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.
| Company name | Average 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 |
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 |
| 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 |
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.
| Company | Avg annual premium | Avg 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 |
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 |
| 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 |
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.
| Company | Avg annual premium | Avg 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 |
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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