How to Find the Best Car Insurance
for High Risk Drivers in Arizona

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What Makes a Driver High-Risk in Arizona?

High-risk drivers in Arizona are those singled out by insurance companies because of their questionable behavior behind the wheel. You fit into this category if you have multiple tickets, speed, have too many at-fault accidents, or have been convicted of a DUI. These drivers are not only high-risk because of the risks they take on the road, they also pose a high risk of making a claim—and costing insurers money.

To make up for these costs, insurers assign these drivers higher-than-average premiums. This way, when a high-risk driver eventually makes a claim (like for T-boning another car the next time they ignore a red), the insurance company already has the cash to cover it.

Arizona Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$220
No Violation
$252
Speeding Ticket
$291
At-Fault Accident
$319
Reckless Driving
$283
Failure to Stop for Red Light / Stop Sign
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

What Are the Best Car Insurance Companies for High-Risk Drivers in Arizona?

You can't leverage data from every qualified insurer out there, but online insurance comparison sites like Insurify can. The best car insurance companies for high-risk drivers in Arizona include companies you know and some you may not recognize.

CarrierAvg. Monthly Cost
Clearcover Inc$153
Travelers$166
Motion Auto Insurance$169
Metropolitan Property and Casualty Insurance Company$194
Bristol West$200
Sun Coast General Insurance Agency, Inc.$205
GAINSCO$210
Nationwide$218
Freedom National$229
Liberty Mutual$238

How Much Does High-Risk Driving Affect Car Insurance Rates in Arizona?

High-risk behavior can push premiums up for three to five years at a time. At $32 extra a month, even a speeding ticket in Arizona can cost you thousands if you factor in how long premiums stay high.

Reckless driving impacts insurance rates more than any other high-risk behavior, increasing monthly insurance premiums by 45 percent. A failure to stop or having an at-fault accident triggers inflated rates as well. Costs increase by 29 percent and 32 percent, respectively.

Driving HistoryAvg. Monthly Cost
No Violation$220
Speeding Ticket$252
At-Fault Accident$291
Reckless Driving$319
Failure to Stop for Red Light / Stop Sign$283

How Much Does a Speeding Ticket Impact Car Insurance Rates in Arizona?

If you like to go faster than the law allows in Arizona, expect to see your insurance premiums surge by nearly $32 a month—that's $1,920 you'll have burned through in five years. Eligible drivers can dismiss a speeding ticket (and possibly avoid a hefty insurance rate hike) by taking a defensive driving course.

$220
No Violation - Avg. Monthly Rate
$252
Speeding ticket - Avg. Monthly Rate
$32 Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Arizona?

The difference in policies between drivers with and without an at-fault accident on their record amounts to $71 a month. Drivers with at-fault accidents pay $291 for their insurance premiums monthly. This amount is a 32 percent increase over non-accident rates.

$220
No Violation - Avg. Monthly Rate
$291
Speeding ticket - Avg. Monthly Rate
$71 Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Arizona?

Running a red light can be pretty damaging to your insurance premiums. While the monthly premium for drivers without any violation averages $220, those with a failure to stop on their record pay $63 more each month for the same coverage.

$220
No Violation - Avg. Monthly Rate
$283
Speeding ticket - Avg. Monthly Rate
$63 Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Arizona?

High-risk drivers in Arizona are those singled out by insurance companies because of their questionable behavior behind the wheel. You fit into this category if you have multiple tickets, speed, have too many at-fault accidents, or have been convicted of a DUI. These drivers are not only high-risk because of the risks they take on the road, they also pose a high risk of making a claim—and costing insurers money.

To make up for these costs, insurers assign these drivers higher-than-average premiums. This way, when a high-risk driver eventually makes a claim (like for T-boning another car the next time they ignore a red), the insurance company already has the cash to cover it.

Tips for Researching High-Risk Arizona Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Arizona draws a wide variety of choices when factoring high-risk driving insurance rates.

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.