Cheap Auto Insurance for High-Risk Drivers in Arizona (Top 10 Low-Cost Companies in 2024)
Shoppers will find cheap auto insurance for high-risk drivers in Arizona at State Farm, Progressive, and Geico. The cheapest minimum coverage rates for high-risk AZ drivers start at just $33/month. High-risk drivers can also apply for auto insurance discounts at the cheapest Arizona companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
UPDATED: Aug 22, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Min. Coverage for High-Risk in AZ
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Min. Coverage for High-Risk in AZ
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
19,116 reviewsCompany Facts
Min. Coverage for High-Risk in AZ
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsState Farm, Progressive, and Geico are our top picks for cheap auto insurance for high-risk drivers in Arizona with rates as low as $33/month.
High-risk auto insurance is more expensive, but you’ll get the cheapest auto insurance for high-risk drivers in Arizona at these top ten companies.
Our Top 10 Company Picks: Cheap Auto Insurance for High-Risk Drivers in Arizona
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $33 | B | Customer Service | State Farm |
 | #2 | $37 | A+ | Budgeting Tool | Progressive |
 | #3 | $47 | A++ | Online Convenience | Geico |
 | #4 | $51 | A++ | Military Members | USAA |
 | #5 | $58 | A++ | Bundling Policies | Travelers |
 | #6 | $70 | A | Signal App | Framers |
 | #7 | $71 | A | Costco Members | American Family |
 | #8 | $86 | A+ | Deductible Options | Nationwide |
 | #9 | $113 | A+ | Local Agents | Allstate |
 | #10 | $120 | A | Occupational Discount | Liberty Mutual |
We’ve listed the pros and cons of the cheapest high-risk Arizona companies below so that you can pick the company that is best for you.
If you are ready to shop for cheap, high-risk Arizona insurance today, compare rates with our free quote tool.
- State Farm has the cheapest car insurance for high-risk drivers in Arizona
- Progressive and Geico are the next cheapest high-risk Arizona companies
- The cheapest AZ high-risk companies also offer car insurance discounts
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#1 – State Farm: Top Pick Overall
Pros
- Customer Service: State Farm has great customer service, thanks to local agents who can assist high-risk Arizona drivers in person. Read our State Farm review to discover more.
- Bundling Discount: High-risk Arizona auto insurance can be bundled with other insurance at State Farm.
- Safety Feature Discount: High-risk drivers in Arizona will get cheaper rates if their vehicles have safety features like brake assist.
Cons
- Limited Online Management: High-risk drivers in Arizona will have to contact agents for some policy changes and issues.
- Financial Stability: State Farm has the lowest rating from A.M. Best on our list of the cheapest high-risk driver Arizona companies.
#2 – Progressive: Best for Budgeting Tool
Pros
- Budgeting Tool: Progressive has a free Name-Your-Price tool to help high-risk Arizona drivers calculate rates.
- Coverage Options: High-risk Arizona drivers have plenty of add-ons to choose from at Progressive. For a full list, visit our Progressive review.
- Snapshot Discount: Arizona high-risk drivers can try to lower rates by joining Snapshot.
Cons
- Customer Ratings: Other high-risk Arizona companies on our list have better ratings.
- Snapshot Rate Increases: Poor driving skills could raise rates for high-risk Arizona drivers. Find out why in our Snapshot review.
#3 – Geico: Best for Online Convenience
Pros
- Online Convenience: Geico offers easy online adjustment of high-risk Arizona policies. Discover more in our Geico review.
- Extensive Discounts: Geico has a long list of discounts that high-risk Arizona drivers can take advantage of.
- Financial Stability: An A++ rating from A.M. Best makes Gieco one of the most financially stable among the cheapest high-risk Arizona companies.
Cons
- Coverage Options: Geico doesn’t offer as many add-on options for high-risk Arizona policies.
- No Local Agents: High-risk drivers in Arizona can’t get in-person assistance.
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#4 – USAA: Best for Military Members
Pros
- Military Members: USAA sells exclusively to high-risk Arizona drivers who are military or veterans. Learn about the multiple perks USAA offers in our USAA review.
- Online Convenience: High-risk Arizona drivers can download USAA’s free mobile app for easy online management.
- Bundling Discount: In addition to high-risk Arizona auto insurance, USAA also sells home insurance, renters insurance, and more.
Cons
- Eligibility Restricted: High-risk drivers can only buy USAA coverage if they are military or veterans.
- No Local Agents: High-risk Arizona drivers won’t be able to visit agents in person.
#5 – Travelers: Best for Bundling Policies
Pros
- Bundling Policies: High-risk auto insurance in Arizona will be cheaper if customers bundle it with other insurance policies. Read more in our Travelers review.
- IntelliDrive Discount: High-risk drivers in Arizona can join IntelliDrive to try and lower rates.
- Financial Stability: With an A++ rating from A.M. Best, Travelers is one of the best financially stable companies for high-risk Arizona drivers.
Cons
- IntelliDrive Rate Increases: Poor driving could raise high-risk auto insurance rates in Arizona. Learn how in our IntelliDrive review.
- Customer Satisfaction: Travelers could have higher ratings, as it isn’t the best-rated high-risk Arizona company.
#6 – Farmers: Best for Signal App
Pros
- Signal App: High-risk Arizona drivers can participate in the Signal program to earn a discount on auto insurance. Learn how to sign up in our Signal review.
- Local Agent Support: Most high-risk drivers in Arizona will have a local agent near them that they can visit in person.
- Coverage Options: High-risk auto insurance policies in Arizona have plenty of add-on options. See what Farmers sells in our Farmers review.
Cons
- Customer Complaints: Not all high-risk Arizona drivers are satisfied with the level of service from Farmers’ representatives.
- Digital Tools: Farmers’ digital tools may be more limited than other technology-focused high-risk AZ auto insurance companies on our list.
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#7 – American Family: Best for Costco Members
Pros
- Costco Members: American Family’s high-risk Arizona auto insurance can be bought through Costco.
- Coverage Selection: High-risk Arizona drivers can select add-ons like roadside assistance for their policy. Visit our American Family review for a full list.
- Local Agents: Most high-risk Arizona drivers will have access to a local American Family agent.
Cons
- Claim Reviews: American Family isn’t as highly rated for claim satisfaction as some other high-risk Arizona companies.
- Online Tools: Because American Family has local agents, it may have fewer online tools than other technology-focused, high-risk Arizona companies.
#8 – Nationwide: Best for Deductible Options
Pros
- Vanishing Deductible: High-risk Arizona drivers can reduce deductibles by $50 if they remain claim-free before their next renewal.
- SmartMiles Insurance: Low-mileage drivers can save by choosing SmartMiles for their high-risk Arizona car insurance policy. See if you qualify in our Nationwide SmartMiles review.
- Bundling Discount: Nationwide sells more than just high-risk Arizona auto insurance, such as home insurance.
Cons
- Customer Satisfaction: Other high-risk auto insurance companies in Arizona have better customer satisfaction ratings.
- No Rideshare Insurance: Rideshare drivers in Arizona, both high-risk and low-risk, can’t get rideshare coverage through Nationwide.
#9 – Allstate: Best for Local Agents
Pros
- Local Agents: Local Arizona agents are available to help high-risk drivers in person with their policies.
- Coverage Selection: High-risk policies in Arizona can be customized with add-ons. See what’s offered in our Allstate review.
- Safety Feature Discount: High-risk Arizona drivers who own vehicles with safety features will get lower rates.
Cons
- Milewise Not Available: High-risk drivers with low mileage won’t be able to buy Milewise insurance in Arizona.
- Customer Complaints: Allstate has more customer complaints than most of the high-risk driver companies in Arizona.
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#10 – Liberty Mutual: Best for Occupational Discount
Pros
- Occupational Discount: Certain occupations, such as military or first responders, can get a discount on high-risk Arizona auto insurance.
- Coverage Options: Liberty Mutual has add-ons like new car replacement for high-risk Arizona policies. Visit our Liberty Mutual review for a full list.
- RightTrack Discount: High-risk Arizona drivers can join RightTrack for free to try and earn a discount.
Cons
- Customer Satisfaction: Liberty Mutual isn’t the best-rated for customer satisfaction out of the high-risk Arizona companies on our list.
- Higher Premiums: Liberty Mutual is one of the more expensive options out of the cheapest high-risk Arizona companies.
Arizona High-Risk Driver Insurance Rates by Coverage Type
Why do auto insurance quotes vary so much for high-risk drivers? Even the cheapest Arizona companies for high-risk drivers assess risk differently, so you’ll see varying rates for coverage. Take a look at the average AZ high-risk insurance rates below.
Arizona High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $113 | $302 |
| American Family | $71 | $189 |
| Farmers | $70 | $188 |
| Geico | $47 | $124 |
| Liberty Mutual | $120 | $320 |
| Nationwide | $86 | $228 |
| Progressive | $37 | $98 |
| State Farm | $33 | $89 |
| Travelers | $58 | $154 |
| USAA | $51 | $135 |
Minimum coverage is a requirement for all drivers in Arizona, regardless of whether they are high-risk or low-risk drivers. Arizona minimum auto insurance requirements will be the cheapest option for high-risk drivers, but it doesn’t offer financial protection for your own vehicle. It will only pay for other parties’ accident costs.
Even if drivers aren’t required to carry full coverage auto insurance, most should consider it because it provides the best protection in the event of an accident. Read on for tips on how to save on your high-risk Arizona policy without cutting coverage.
How to Save on High-Risk Auto Insurance in Arizona
High-risk drivers in Arizona should make sure they take a look at what insurance discounts their company offers to maximize their savings.
Sometimes, companies offer small discounts, like paid-in-full discounts, that may not seem like much but can add up significantly when combined with other small discounts over time (Learn More: How to Get a Pay-in-Full Auto Insurance Discount).
Other small discounts that can add up include safety feature discounts, paperless discounts, and early bird discounts. Click here for a complete list of auto insurance discounts to ask for.
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Finding the Cheapest Auto Insurance for High-Risk Drivers In Arizona
State Farm, Progressive, and Geico are the best companies for cheap auto insurance for high-risk drivers in Arizona.
State Farm is the cheapest high-risk car insurance company overall, with minimum insurance at $33/month and full coverage for $98/month.
Lenders will require high-risk drivers in Arizona to carry full coverage if they have a leased vehicle.Daniel Walker Licensed Insurance Agent
Each of these companies offers great coverage options, affordable rates, and plenty of auto insurance discounts to help reduce auto insurance costs for high-risk drivers in Arizona.
Ready to find affordable auto insurance for high-risk drivers in Arizona today? Compare rates now with our free quote comparison tool.
Frequently Asked Questions
What is the best auto insurance for high-risk drivers in Arizona?
The best car insurance for high-risk drivers in Arizona is full coverage insurance, as high-risk drivers are more likely to get into an accident. Full coverage will ensure that high-risk drivers are financially protected completely in an accident.
Do high-risk drivers pay lower insurance premiums?
No, high-risk drivers in Arizona pay higher insurance premiums, which is why it’s important to shop at the cheapest companies. To get Arizona high-risk driver quotes today, enter your ZIP in our free quote tool.
Who normally has the cheapest car insurance in Arizona?
State Farm typically has the cheapest and best Arizona auto insurance for both high-risk and low-risk drivers.
Does USAA insure high-risk drivers?
Yes, USAA insures most high-risk drivers in Arizona.
Does Farmers insurance cover high-risk drivers?
Yes, Farmers does insure most high-risk drivers in Arizona.
What group is considered the riskiest driver?
Teenagers are often considered the riskiest drivers to insure, making it harder for teens to find affordable insurance unless they join a parent’s policy (Learn More: Should I add my teenager to my auto insurance policy?).
Why do AZ insurance companies charge more if you are high-risk?
Insurance companies in Arizona charge more if you’re high-risk because they are taking on a bigger financial risk by insuring you.
What is the simplest way to lower your AZ auto insurance premium?
Arizona drivers looking to lower their high-risk auto insurance rates can reduce rates by getting quotes from different companies.
How many accidents are considered high-risk?
Generally, just one at-fault accident is enough to make Arizona companies label you as a higher-risk driver.
Is auto insurance cheaper in Arizona or Texas?
Arizona car insurance is typically cheaper than Texas auto insurance.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
