Best Car Insurance for Drivers With
Bad Credit in Arizona

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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
Average Monthly Cost
$205
Excellent
$229
Good
$231
Average
$250
Poor
Credit Tier

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.

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

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.

Best Car Insurance Companies for Bad Credit in Arizona

Clearcover, Motion, and Sun Coast General offer the three cheapest car insurance policies for Arizonans with poor credit. If you're seeking out an affordable high-risk policy, you'll probably want to look into Mercury, Kemper, and Bristol West for affordable options.

CarrierAvg. Monthly Cost
Clearcover Inc$122
Motion Auto Insurance$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

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.