Who Has Cheap Auto Insurance Quotes for High Risk Drivers in Arizona?

The car, truck, or SUV on the policy is probably the biggest factor when trying to find the best cheap coverage for high risk drivers. Vehicles with lower acceleration and performance, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.

The information below features auto insurance costs for a selection of the most economical vehicles to insure in Arizona.

Data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can impact prices considerably.

By looking at the data, you can figure that makes and models like the Honda Accord, Ford Escape, Honda CR-V, Chevrolet Traverse, and Toyota Prius are most likely going to be the most economical vehicles to insure for high risk drivers. The cost of auto insurance will tend to be more expensive anyway just because there is more claim exposure for high risk drivers, but generally speaking those models will tend to have the least expensive rates that you are likely to find.

For high risk drivers, one of the largest components that is used to calculate the annual cost of car insurance is where you live in Arizona. Cities with larger populations or higher claim trends like Phoenix, Avondale, and Mesa will most likely pay more, whereas areas that tend to be more rural get the luxury of paying less.

The following table ranks the higher priced cities in Arizona for high risk drivers to purchase car insurance in.

Annual rates are approximated as the vehicle garaging location can raise or lower price quotes greatly.

Arizona car insurance company ratings

Ending up with a high-quality insurer can be rather challenging considering how many different companies sell coverage in Arizona. The company ratings listed below may help you analyze which providers to look at shopping prices with. The ratings below are only comprised of large insurance companies, so smaller regional companies are not factored into these rankings.

Top 10 Large Auto Insurance Companies in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Large Auto Insurance Companies in Arizona Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Full coverage rates vs. liability-only

Finding cheap auto insurance for high risk drivers in Arizona is probably important to the majority of vehicle owners, and one of the fastest ways to lower the cost of insurance is to buy liability only. The information below shows the comparison of yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The price estimates are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.

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If we average all the age groups together, full coverage on your policy costs $2,107 per year over and above liability only. That may make you wonder if physical damage coverage is worth the money. There is no definitive formula of when to exclude full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage.