Cheapest Auto Insurance Quotes for Drivers with Accidents in Arizona

When shopping for car insurance for drivers with at-fault accidents, one of the many factors that car insurance companies use when figuring the price you pay for insurance is where you normally keep your vehicle. Cities with more crime and/or more people like Phoenix, Avondale, and San Tan Valley will most likely pay more, whereas areas that tend to be more rural have the luxury of lower rates.

The following table sorts the highest-priced areas in Arizona for drivers with accidents to buy auto insurance in.

Price information shown is estimated as the specific garaging location can modify premiums greatly.

The make and model of vehicle you are seeking coverage for is a large factor when shopping around for the cheapest car insurance for drivers with accidents in Arizona. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost more to insure than more economical and safe models. The list below features coverage premiums for a selection of the most affordable automobiles to buy insurance for.

Premium data assumes single female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in your specific Arizona location which can revise price quotes substantially.

By looking at the data, we can conclude that vehicles like the Honda CR-V, Ford Escape, Jeep Wrangler, Kia Forte, and Hyundai Tucson should be a few of the more affordable vehicles to insure for drivers with at-fault accidents. The cost of auto insurance will tend to be more expensive anyway just due to the fact that there is more exposure for drivers with accidents, but in general those specific models will probably have the lowest prices compared to all other vehicles.

Finding decent, low-priced auto insurance is easier said than done, and determining which companies offer the cheapest auto insurance rates for drivers with accidents takes even more perseverance. Insurance rates could be a little bit higher than the average policy in Arizona, with the extra cost attributed to the potentially higher risk that comes with selling insurance for drivers with at-fault accidents, but affordable insurance should be possible if you compare enough rates.

Each company has a proprietary method to determine rates, so we need to take a look at the lowest cost auto insurance companies in Arizona. We do need to point out that Arizona auto insurance rates are influenced by many factors that may substantially change the cost of a policy. This price fluctuation is why it is crucial to compare rates to get the best car insurance quotes for drivers with accidents. Auto insurance prices are made up of many risk factors and change frequently, so the most economical company three years ago may now be quite expensive.

Best Cheap Insurance Rates for Accident Prone Drivers

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The Hartford may have some of the lowest car insurance rates in Arizona at around $845 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Arizona auto insurance companies.

As shown in the rates above, if you have coverage with Travelers and switched to Auto-Owners, you could see savings of in the neighborhood of $160. Customers with USAA could save as much as $198 a year, and Progressive customers might realize rate reductions of up to $215 a year.

Remember that these policy prices are averages across all types of drivers and the different vehicles they drive and do not factor in a price increase for drivers with accidents. So the company that is best suited for you may not even be shown in the list above. That point stresses why you need to compare as many prices as possible using your own specific driver and vehicle information.

Bad driving habits will cost you more

The ideal way to receive cheap auto insurance prices in Arizona for drivers with at-fault accidents is to drive cautiously and avoid traffic citations and accidents. The example below shows how traffic citations and fender-benders can drive up insurance prices for different ages of insureds. The premiums assume a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

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The chart shows that the average cost of an auto insurance policy in Arizona per year with no accidents and a clean driving record is $2,305. Add in two speeding tickets and the average cost swells to $3,060, an increase of $756 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for drivers with accidents goes up to an average of $3,836. That’s an increase of $1,531, or $128 per month, just for not being attentive to the road!

How to find economical auto insurance for drivers with accidents

Below you’ll find some of the better money-saving solutions that can help Arizona drivers find cheap auto insurance.

• Tickets and violations raise rates
• Buy vehicles with good safety ratings
• Higher credit ratings may save you money
• Higher comprehensive and collision coverage deductibles will save money
• Accidents can significantly increase rates
• Remove physical damage coverage on older vehicles
• Compare rates often to find the best deal

The last idea is very crucial, as was pointed out in the prior article. Car insurance rates can change considerably in a year, so don’t be afraid to switch to a new company if you can find a cheaper rate.

Having a favorite company is great, but it’s not a good idea if that dedication is costing money that could be spent on other things. If you have a few minutes, compare prices and find cheaper car insurance for drivers with accidents.