Updated: May 20, 2025
Advertising & Editorial Disclosure
For high-risk drivers seeking affordable car insurance in Arizona, Root, Travelers and Progressive are the top contenders for minimum and full coverage.
Annual car insurance rates for high-risk drivers can swing dramatically, with the lowest around $757 and the highest reaching $7,416.
To snag the best deal on high-risk car insurance, find the coverage you need, research average costs and discounts, and compare multiple providers to see who offers the best rates.
In our analysis, Travelers offers the most affordable high-risk car insurance options for young drivers, those with an accident, bad credit, or both bad credit and driving violations.
Auto-Owners is the best choice for senior drivers and those with a speeding ticket. Progressive provides the cheapest rates for drivers with a DUI.
| Travelers | Young Drivers | $56 |
| Auto-Owners Insurance Co | Senior Drivers | $49 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $51 |
| Travelers | Drivers With an Accident | $57 |
| Progressive | Drivers With a DUI | $54 |
| Travelers | Drivers With Bad Credit | $58 |
| Travelers | Drivers With Bad Credit And Driving Violations | $68 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
While our earlier table showcases affordable options for high-risk insurance, it might not fit every driver. Below, you'll find a table to compare rates from top providers, tailored to your needs.
| Root Insurance Company | $98 | $1,181 |
| Travelers | $123 | $1,474 |
| State Farm | $158 | $1,901 |
| Progressive | $179 | $2,149 |
| GEICO | $183 | $2,198 |
Overall, high-risk car insurance costs in Arizona can range anywhere from $63 to $646 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
| $79 | $945 | $0 | $0 | 0% |
If you're driving in Arizona and get a ticket, you might wonder how long it will increase your car insurance rates. Major driving violations, like DUIs or reckless driving, can change your rates for up to 10 years.
For a smaller violation, your rates might go up for three to five years. Every insurance company has its own rules about this.
Finding car insurance as a high-risk driver can be challenging. We've created a guide to help you understand what factors make you high-risk, find the best affordable insurance provider, and know your options if denied by most insurers.
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
In the section below, we've provided key tips to help you save money and find the best provider for high-risk car insurance in the Grand Canyon State.
Before comparing insurance providers, determine what coverage is essential for you. This helps avoid being influenced by popular trends or assertive agents. Consider if you need add-ons like rideshare coverage and roadside assistance. Utilize our car insurance coverage calculator to find out how much auto insurance you need.
Understanding the average costs for your profile along with eligible discounts helps gauge the value of offers from different insurers. Consider state-approved defensive driving courses, which could reduce premiums by up to 10%. Identifying these factors can streamline your comparison process and draw a clear picture of potential savings.
Exploring pay-per-mile and other usage-based insurance programs may cut costs for low-mileage and safe drivers. Some affordable providers like Geico offer telematics programs that monitor driving behavior, potentially saving you up to 30% on premiums. These innovative solutions align your insurance expenses with your driving habits, offering financial flexibility.
After evaluating your options, compare at least three different providers to grasp the market offerings. Employ various comparison methods, like using independent brokers and online tools, as prices can differ across platforms. Ensure your comparisons match in terms and coverage to accurately assess the competitiveness among insurers.
Insurance is a choice, so car insurance companies can refuse coverage if they find you too risky. If insurers turn you down, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Monday–Friday 8:00 a.m.–4:30 p.m. PT
waaip@aipso.com
855-224-2247
(855) 224-7349
P.O. Box 6530
Providence, RI 02940-6530
Based on our research, the three cheapest companies for high-risk insurance in Arizona are Root Insurance Company, Travelers, and State Farm. While these are affordable options, we recommend you do your own research to compare costs and find the best deal. If you are denied coverage, don't worry—there are programs available to help you secure affordable insurance.
Below, we answer common questions about high-risk car insurance in Arizona.
For high-risk drivers in Arizona, Progressive offers the most affordable high-risk car insurance, with policies starting at $54.
The cheapest rate for monthly high-risk car insurance in Arizona through Progressive is $54.
If denied for coverage, reach out to AIPSO for options beyond standard insurers to secure necessary auto insurance.
In Arizona, high-risk car insurance can cost significantly more compared to policies for drivers with a clean record. For adults aged 30 to 59, high-risk insurance may result in an approximate 50% to 300% increase in premiums.
This comparison is based on individuals with good insurance scores; those with poor scores might experience higher rates.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state's minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
