Cheap Car Insurance for High-Risk Drivers in Arizona:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Insurance Companies for High Risk Drivers in Arizona (2022)

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.

Carrier
clearcover
$153/mo
travelers
$166/mo
$169/mo
$194/mo
bristol-west
$200/mo
sun-coast
$205/mo
gainsco
$210/mo
nationwide
$218/mo
freedom-national
$229/mo
liberty-mutual
$238/mo

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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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.

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.