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Arizona Car Insurance for Bad Credit Drivers

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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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.

CarrierAvg. Monthly Cost
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

Excellent
$205
Good
$229
Average
$231
Poor
$250

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.

Avg. Monthly Cost - for Drivers with Good Credit
$220
Avg. Monthly Cost - for Drivers with Bad Credit
$247
$27 ▴
12.27% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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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 TierAvg. Monthly Cost
Excellent$205
Good$229
Average$231
Poor$250

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.

CityCredit TierAvg. Monthly Cost
TucsonPoor$186
MesaPoor$212
GlendalePoor$256
TempePoor$239
ScottsdalePoor$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.

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FAQs - Arizona Car Insurance

  • 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.

  • 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.

  • 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.

  • 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

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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