Who Has the Cheapest Auto Insurance Quotes After a Speeding Ticket in Arizona?

One of the more important considerations that help determine the annual cost of car insurance is your address in Arizona. Cities that have higher claim levels or more people like Phoenix, Glendale, and Mesa will most likely pay more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The illustration below shows the most expensive cities in Arizona after a speeding ticket to buy car insurance in.

Price information shown is approximated as the specific zip code location can affect premium rates substantially.

The vehicle model you are buying coverage for is one of the largest factors when consumers are trying to find economical insurance after a speeding ticket. Vehicles with lower performance, good safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models.

The list below shows insurance costs for the most economical vehicles to insure.

Table data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in your specific Arizona location which can revise premium rates noticeably.

Based upon these rates, makes and models like the Ford Escape, Honda Accord, Ford F-150, and Hyundai Tucson will be the cheaper vehicles to insure after a few driving violations.

Deciphering which companies have the cheapest auto insurance rates after a speeding ticket requires more work than just comparing a company or two. Every insurance provider has a unique approach for determining rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Arizona.

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The Hartford quotes some of the lowest car insurance rates in Arizona at around $836 each year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the lowest-priced Arizona insurance companies.

As shown above, if you currently have coverage with Travelers and switched to Auto-Owners, you could see an annual premium reduction of in the vicinity of $193. Insureds with USAA may save as much as $209 a year, and GEICO customers might lower prices by up to $227 a year.

If you want to find out if you’re overpaying, click here to get quotes or click through to the companies below.

These premium estimates are averages across all insureds and vehicles and do not factor in a rate discount after a speeding ticket. So the insurer that fits your situation best may not even be featured in the above rate chart. That illustrates why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Impact of violations and accidents on rates

A great way to find the cheapest auto insurance after a speeding ticket in Arizona is to drive cautiously and have a clean driving record. The diagram below illustrates how traffic citations and accidents can increase insurance prices for each different age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2073,2677,3301],[‘Age 30’, 1435,2041,2663],[‘Age 40’, 1429,2035,2655],[‘Age 50’, 1255,1863,2487],[‘Age 60’, 1193,1801,2421],[‘Age 70’, 1299,1905,2529]]);var options = {title: ‘Effect of Tickets and Accidents on Arizona Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of auto insurance per year with no violations or accidents is $1,447. Factor in two speeding tickets and the average cost hikes up to $2,054, an increase of $606 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance after a speeding ticket goes up to an average of $2,676. That’s an increase of $1,229, or $102 per month, just for being a little careless behind the wheel!

Find the cheapest auto insurance after a speeding ticket in Arizona

Here are many penny-pinching ideas that can help Arizona drivers quote cheaper car insurance.

• The safer your car, the less it costs to insure
• Be a cautious driver
• Older vehicles may not need full coverage
• Try to pay small claims out-of-pocket
• Bundle home and auto and save
• Staying accident-free helps keep rates low
• Compare rate quotes often

The last suggestion is notably necessary, as we pointed out in the article above. Rates change constantly, so you should be ready to buy from a different company if a better rate can be found. Sticking with a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you a small fortune year after year. In just a few minutes you could compare rates and find cheaper car insurance after a speeding ticket.