Car insurance rates in Arizona are traditionally calculated based on a driver’s age, auto make and model, driving history and other personal information. However, for high-risk drivers in Arizona, car insurance rates may be higher due to their increased risk to an insurance company.

High-risk drivers include those who have two or more traffic violations, at-fault accidents, DUIs, poor credit scores or no prior car insurance coverage.

We have created this guide to make your search for car insurance for high-risk drivers hassle-free. It provides details on how auto insurance rates change based on infractions like speeding tickets, at-fault accidents and DUI convictions. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profiles in Arizona.

Key Highlights
  • High-risk drivers have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.
  • Drivers in Arizona pay 30% more for auto insurance for a ticket for driving 1-10 mph over the speed limit than without a violation.
  • If you are convicted of DUI or DWI in Arizona, you can expect your car insurance rates to increase 64% more for auto insurance.
  • An at-fault accident increases car insurance rates by 51% in Arizona, based on a data analysis by CarInsurance.com.
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Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Who is a high-risk driver in Arizona?

Drivers of all age groups, those with or without experience, can be categorized as high-risk drivers by car insurance companies in Arizona if they have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.

Car insurance rates for high-risk drivers by driving profile in Arizona

The experts at CarInsurance.com have analyzed the rates for high-risk drivers based on driving profile for drivers with – speeding tickets, DUI offenses and at-fault accidents.

Here’s how each of the violations affect car insurance rates in Arizona.

Speeding tickets

In Arizona, car insurance rates increase based on the speeding limits you violate. For example, a driver who drives 1-10 MPH over the speed limit will pay 30% more for auto insurance than before having a speeding ticket.

Arizona drivers with speeding ticket violations for driving 11-29 mph over the limit pay 39% higher rates than drivers without speeding tickets. Whereas Arizona drivers with speed violations of more than 30 mph will pay 46% higher rates than drivers without speeding tickets.

Find out how much car insurance rates increase after a speeding ticket violation in Arizona.

ViolationRates after speeding ticketRates before speeding ticket$ Difference% Increase
Speeding ticket 1-10 MPH over limit$2,159 $1,665 $494 30%
Speeding ticket 11-29 MPH over limit$2,323 $1,665 $658 39%
Speeding 30+ over limit$2,424 $1,665 $759 46%

Learn more: How much your insurance goes up after a speeding ticket

Cheapest car insurance companies in Arizona for drivers with speeding tickets

In Arizona, Nationwide offers the cheapest car insurance for drivers with speeding tickets at $1,460 annually. The car insurance rates offered by Nationwide increase by $228 after a speeding ticket violation.

CompanyRates before speeding ticketRates after speeding ticket$ Difference% Difference
Allstate$2,285 $3,502 $1,217 53%
Auto-Owners$1,238 $1,698 $461 37%
CSAA$2,329 $2,852 $522 22%
Farmers$2,307 $2,998 $692 30%
Geico$1,014 $1,657 $643 63%
Hartford$1,618 $2,117 $499 31%
Mercury$1,495 $2,333 $838 56%
Nationwide$1,232 $1,460 $228 19%
Progressive$1,750 $2,352 $602 34%
State Farm$1,602 $1,742 $139 9%
Travelers$1,365 $1,973 $608 45%
USAA$1,382 $1,778 $396 29%

DUI offense

If you are convicted of driving under the influence (DUI) or DWI (driving while intoxicated) or OUI (operating under the influence) in Arizona, you can expect your car insurance rates to increase by 64% on an average, according to 2023 CarInsurance.com data analysis.

ViolationRates after a DUIRates without a DUI$ Difference% Difference
DUI/DWI first offense$2,737 $1,665 $1,072 64%
DUI/DWI second offense$3,992 $1,665 $2,327 140%

Here’s how much your insurance goes up after a DUI

Cheapest car insurance companies in Arizona for drivers with a DUI

State Farm offers the cheapest car insurance rates for drivers with a DUI at $1,742 per year, in Arizona. The rate increases by $139 after getting a DUI offense on your driving history.

The second cheapest car insurance for high-risk drivers with DUI is offered by Progressive at $2,007 a year.

See below for the auto insurance premiums offered by companies in Arizona for drivers with a DUI.

CompanyRates before DUI offenseRates after 1st DUI offenseRates after 2nd DUI offense
Allstate$2,285$3,854$5,383
Auto-Owners$1,238$2,159$4,922
CSAA$2,329$3,816$6,263
Farmers$2,307$4,042$5,429
Geico$1,014$2,085$2,620
Hartford$1,618$2,427$3,964
Mercury$1,495$2,178$3,133
Nationwide$1,232$2,429$3,336
Progressive$1,750$2,007$3,340
State Farm$1,602$1,742$1,742
Travelers$1,365$2,111$3,028
USAA$1,382$3,254$3,930

At-fault accident

After an at-fault collision, your car insurance premiums could spike in Arizona – unless you’ve added endorsements like accident forgiveness to your coverage.

According to a 2023 rate analysis by CarInsurance.com, on average, after an at-fault accident, car insurance rates increase by 51%.

However, there are states where car insurance companies provide coverage to the policyholder regardless of who was responsible for the collision or cover the medical expenses of the other driver. They are referred to as no-fault states and tort states.

Learn more: How much does car insurance go up after an accident?

Cheapest car insurance companies in Arizona for drivers with at-fault accidents

If you are looking for the cheapest car insurance for drivers with an at-fault accident, Nationwide is your best bet. It offers insurance at $1,609 per year.

CompanyRates before an at-fault accidentRates after an at-fault accident
Allstate$2,285 $3,264
Auto-Owners$1,238 $1,698
CSAA$2,329 $3,512
Farmers$2,307 $3,486
Geico$1,014 $1,654
Hartford$1,618 $2,412
Mercury$1,495 $3,244
Nationwide$1,232 $1,609
Progressive$1,750 $2,819
State Farm$1,602 $1,881
Travelers$1,365 $1,928
USAA$1,382 $2,107

Reckless driving

Reckless driving is a grave offense with serious consequences. Unlike other traffic violations, it is usually classified as a misdemeanor. It carries severe penalties such as hefty fines or even imprisonment, depending on the state laws, according to Findlaw, an online legal information resource.

Compare the car insurance rates for drivers with and without a reckless driving violation in Arizona.

ViolationReckless driving
Rates after a reckless driving$2,692
Rates before a reckless driving$1,665
$ Difference$1,027
% Increase62%

Cheapest car insurance companies in Arizona for a reckless driving violation

CompanyRates before a reckless driving violationsRates after a reckless driving violations
Allstate$2,285 $3,854
Auto-Owners$1,238 $2,159
CSAA$2,329 $3,053
Farmers$2,307 $4,261
Geico$1,014 $2,085
Hartford$1,618 $2,427
Mercury$1,495 $2,882
Nationwide$1,232 $2,429
Progressive$1,750 $2,526
State Farm$1,602 $1,742
Travelers$1,365 $2,111
USAA$1,382 $1,890

Cheapest car insurance options for high-risk drivers in Arizona

Use the calculator below to see the cheapest companies for high-risk drivers in Arizona by violation.

Average cost of car insurance in Arizona for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Average Annual Car Insurance Rate for At-fault bodily injury accident in Arizona is $2,610
Show Graph View
Company Name Insurance Rates
Geico $1,654
Auto-Owners $1,698
State Farm $1,881
Nationwide $1,925
Travelers $2,013
USAA $2,107
Hartford $2,412
Progressive $2,819
Mercury $3,244
Allstate $3,264
CSAA $3,757
Farmers $3,845

How to lower your car insurance rate if you are a high-risk driver

There are ways to lower car insurance rates even if you are a high-risk driver.

Increase in car insurance rates for high-risk drivers: By driver profile

Resources & Methodology

Sources

Findlaw. “Reckless driving laws by state.” Accessed January 2023.

Methodology

Data is sourced from the Auto Problems Report 2022. Rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across around 1500 ZIP codes with 50,00,736 records from 27 companies.

Note: In most states, USAA is the cheapest company for drivers with traffic violations, but it is only available to military members, veterans and their immediate families.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.