Cheap Car Insurance for High-Risk Drivers in Arizona:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Arizona (2021)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Arizona.

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
$252
$291
$319
$283
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
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.

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 History
No Violation$220
Speeding Ticket$252
At-Fault Accident$291
Reckless Driving$319
Failure to Stop$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
$252
No Violation - Avg. Monthly RateSpeeding 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
$291
No Violation - Avg. Monthly RateSpeeding 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
$283
No Violation - Avg. Monthly RateSpeeding 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.

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Insurify Rate Comparison Methodology

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.