Arizona Car Insurance for Bad Credit Drivers
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Written byA.M. Steinbach
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Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewed byAmber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated November 20, 2024
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Table of contents
Cheapest Companies for Drivers With Bad Credit in Arizona (2022)
For drivers with bad credit in Arizona, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arizona. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Arizona.
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Clearcover Inc | $122 |
| Novo | $140 |
| Sun Coast General Insurance Agency, Inc. | $153 |
| Travelers | $158 |
| GAINSCO | $160 |
| Bristol West | $166 |
| Freedom National | $196 |
| Metropolitan Property and Casualty Insurance Company | $201 |
| Nationwide | $204 |
| Mercury | $208 |
Bad Credit Car Insurance in Arizona
Arizona sees some of the highest temperatures in the country. And nestled in the Southwest region, it's a dry, stifling heat. But do Arizona drivers with bad credit scores have to sweat high insurance rates too?
Arizona is one of many states in the U.S. that enable car insurers to factor in your credit score before determining your rates. If your credit score is low, a car insurance company might worry you're less likely to pay bills on time and therefore set higher premiums. So as an Arizona driver, you'll surely want to maintain a solid credit score.
Arizona Car Insurance Rates for Bad Credit Drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Arizona?
If you're a driver with bad credit in Arizona, you'll pay about 12 percent more for car insurance than drivers who have good credit. This is about $27 more per month for car insurance—which adds up to over $300 per year.
Arizona's average car insurance rates are already on the higher end of things compared to the rest of the country, so bad credit will only make things more expensive. Fortunately, Arizona is full of insurance companies that offer affordable car insurance rates for drivers with low credit scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Can I Get Car Insurance With No Credit Check in Arizona?
In Arizona, it's legal for car insurance companies to look at your credit history before determining your car insurance rate. So you'll most likely undergo a credit check as you shop for car insurance in Arizona.
But Arizona drivers who have bad credit aren't without options. Some smaller regional car insurance companies claim that they don't check credit scores, though this might mean they have higher prices to deal with the risk of insuring bad-credit drivers. Some larger insurance carriers have also been known to offer more reasonable prices to bad-credit drivers.
Arizona Car Insurance Rates by Credit Tier
In Arizona, it's pretty simple: the higher your credit score, the less you'll pay for car insurance on average. Drivers in Arizona with excellent credit pay an average of $205 per month, while drivers with poor credit pay a significantly higher average of $250 per month.
Credit Tier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| Excellent | $205 |
| Good | $229 |
| Average | $231 |
| Poor | $250 |
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Car Insurance Rates With Bad Credit in Arizona Cities
The cities of Arizona certainly have one thing in common: the temperatures can rise quite high. But one way they differ is in average car insurance rates. For instance, Arizona's major city of Phoenix has an average rate of $256 per month, while Tucson has a much lower rate of $186 per month.
City ▲▼ | Credit Tier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|---|
| Tucson | Poor | $186 |
| Mesa | Poor | $212 |
| Glendale | Poor | $256 |
| Tempe | Poor | $239 |
| Scottsdale | Poor | $217 |
Tips for Researching Bad Credit Arizona Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Arizona draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Arizona Car Insurance
Why is car insurance so expensive in Arizona?
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Do car insurance rates vary by county in Arizona?
Auto insurance costs will vary between locations and insurance carriers, depending on the county Arizona. Insurify analyzed the latest data for the five most populous cities in Arizona to find you the cheapest quotes in each of these metropolitan areas.
Which providers have the best auto insurance ratings in Arizona?
The way to find the carrier with the best auto insurance ratings in Arizona and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How much do annual auto insurance rates increase in Arizona?
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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