How driving habits influence car insurance rates in Phoenix
Overall, Mile Auto has some of the cheapest car insurance rates for Phoenix drivers with moving violations or accidents on their records.
Driving habits have a significant impact on the cost of your insurance premiums. Since auto insurers primarily protect against accidents, drivers with a clean driving history are likely to qualify for lower rates. Drivers with a history of speeding, at-fault accidents, and driving under the influence will likely have much higher premiums since insurers view them as higher risk.
The following tables show how different violations can affect insurance companies’ premiums in Phoenix.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to not offer policies to drivers with that infraction. Your actual rate can vary, based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Phoenix: Mile Auto
An accident can cause your insurance rates to increase significantly since your claim costs the insurance company money. This can be especially true if you’re found at-fault for the accident. Keep in mind that Arizona is an at-fault state, meaning the driver who’s responsible for the accident or their insurance company is responsible for paying the other party’s damages.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Phoenix: Mile Auto
A conviction for driving under the influence (DUI) can seriously affect your insurance rate, in addition to the legal ramifications. Many insurers may refuse to cover you at all if you have a DUI.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Phoenix: Mile Auto
Speeding tickets may be common, but they’re also a serious matter. In 2020, speed was a factor in 29% of all traffic fatalities, according to the National Highway Traffic Safety Administration.[5] A speeding ticket can push your auto insurance premiums higher.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Arizona cities
Car insurance rates can vary greatly between cities in the same state. Check out car insurance rates in these other Arizona cities: