Cheap Arizona Low-Income Car Insurance for Families and Individuals

There is no government car insurance program in Arizona to assist low-income drivers. MoneyGeek researched companies for low-income car insurance in Arizona and found GEICO is the cheapest insurer for low-income drivers in Arizona.

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Last Updated: 4/19/2022
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The amount of income you have doesn’t matter; it won’t affect your car insurance costs in Arizona. The key factors that impact the cost of car insurance in Arizona are coverage levels, credit score and whether there is a young driver on the policy.

MoneyGeek analyzed the cheapest low-income car insurance in Arizona for individuals and families with poor or good credit scores.

Is There Car Insurance for Low-Income Families and Individuals in Arizona?

There is no government car insurance program in Arizona to assist low-income individuals or families. Even though car insurance is a requirement for all drivers in Arizona, 11.8% of drivers in Arizona are not insured — that could be because of expensive car insurance rates.

A traditional minimum coverage policy is usually the cheapest option for most drivers. However, pay-per-mile insurance may be an affordable option for low-income drivers in Arizona.

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Does Arizona Have a Government Program to Support Low-Income Drivers with Insurance?

Arizona does not have a government assistance program for car insurance to help low-income drivers. However, there is cheap car insurance for low-income individuals in Arizona; comparing quotes from different companies reveals the best choices.

MoneyGeek compared quotes across insurers to find the cheapest insurance companies for low-income drivers looking for savings in Arizona.

The Cheapest Arizona Car Insurance Companies for Low-Income Drivers

A car insurance company in Arizona cannot consider income when calculating an auto insurance premium. But, quite often, credit score and age reflect a person’s income, and car insurers use both of them in Arizona when deciding how much to charge for auto insurance.

The cheapest auto insurance you can buy is a state minimum coverage policy, and MoneyGeek found that GEICO is the cheapest insurer for different types of low-income drivers in Arizona.

We also analyzed the cheapest minimum car insurance for low-income families and individuals based on age.

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The Cheapest Arizona Car Insurance Companies for Low-Income Families

In Arizona, your income doesn’t affect the price of auto insurance, but credit score has a significant impact on families. For MoneyGeek’s sample single parents, rates in Arizona differed by as much as $2,258 per year if they had a poor credit score versus a good credit score. For a couple with a child, rates in Arizona differed by around $3,023 per year if they had a poor credit score versus a good credit score.

On average, the cheapest insurers in Arizona for a couple with a poor credit score and a child are:

  • GEICO: $3,287 per year
  • Progressive: $4,580 per year

For Arizona couples with a child, poor credit and military background, USAA has a competitive rate of roughly $3,608 per year.

On average, the cheapest auto insurers in Arizona for a single parent with a poor credit score are:

  • GEICO: $2,799 per year
  • CSAA: $3,500 per year

For single parents with a military background and poor credit, USAA is cheapest at around $2,677 per year.

You can have a low income without a poor credit score. Toggle the table below to find the most affordable car insurance options for low-income families in Arizona based on your profile.

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Single parent w/ a kid

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  • Company
    Annual Rates
  • USAA
    $1,316
  • GEICO
    $1,376
  • CSAA
    $1,721
  • Country Financial
    $1,914
  • Hartford
    $1,921
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The Cheapest Arizona Car Insurance Companies for Low-Income Individuals

Car insurance rates in Arizona differed by around $672 per year for MoneyGeek’s sample 40-year-old driver if they had a poor credit score versus a good credit score.

On average, the most affordable insurers for a low-income 40-year-old driver with poor credit in Arizona are:

  • GEICO: $768 per year
  • Progressive: $1,060 per year

USAA is the second cheapest for a 40-year-old driver with a poor credit score and military background at around $802 per year.

If you have a low income at 40-years-old with a good credit score, a GEICO policy costs around $378 per year, Progressive roughly $521 annually, and USAA about $394 per year.

Switch by Credit Score:

Good Credit Score

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  • Company
    Annual Rates
  • GEICO
    $378
  • USAA
    $394
  • Progressive
    $521
  • CSAA
    $557
  • Country Financial
    $589

The Cheapest Arizona Car Insurance Companies for Low-Income Students

If you are a young student driver in Arizona, your inexperience results in a higher car insurance premium. Although college students aren’t charged more based on their income, many typically have a lower income, making car insurance an expensive part of their budget.

On average, the cheapest insurers for low-income student drivers in Arizona with a poor credit score are:

  • GEICO: $1,729 per year
  • Progressive: $2,387 per year

Young students with a military family background may qualify for USAA, the second cheapest at roughly $1,806 per year.

Not all low-income students have a poor credit score. With a good credit score in Arizona, students can get a GEICO car insurance policy for around $850 per year or a Progressive policy for roughly $1,174 per year. USAA costs around $888 per year for students with good credit who qualify.

Switch by Credit Score:

Good Credit Score

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  • Company
    Annual Rates
  • GEICO
    $850
  • USAA
    $888
  • Progressive
    $1,174
  • CSAA
    $1,254
  • Country Financial
    $1,325

The Cheapest Arizona Car Insurance Companies for Low-Income Seniors

Senior drivers in Arizona tend to pay more for car insurance than middle-aged drivers. Credit score also impacts the cost of car insurance for a senior driver. For MoneyGeek’s sample 70-year-old driver, rates in Arizona differed by around $741 per year if they had a poor credit score versus a good credit score.

On average, the cheapest auto insurers for low-income seniors with poor credit in Arizona are:

  • GEICO: $881 per year
  • Progressive: $1,210 per year

Senior drivers with a military background could also choose a USAA policy at around $914 per year.

Not all low-income seniors in Arizona necessarily have poor credit scores. Seniors with good credit can get a GEICO policy for around $433 per year, go with Progressive for roughly $595 per year, or USAA for about $449 per year.

Switch by Credit Score:

Good Credit Score

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  • Company
    Annual Rates
  • GEICO
    $433
  • USAA
    $449
  • Progressive
    $595
  • Country Financial
    $624
  • State Farm
    $638

Does Income Affect Car Insurance Rates in Arizona?

Insurers in Arizona do not use income to determine car insurance rates. However, factors such as age and claims history affect your rate, and income could relate to them. For example, if you have a low income, you are more likely to make a claim since you cannot afford to pay for repairs out of pocket. That affects your claims history, which, in turn, impacts your car insurance premium.

MoneyGeek found that the following factors affect the cost of car insurance rates in Arizona:

  • Adding a teen driver.
  • Credit score.
  • Coverage levels.

Your age and car model also affect the cost of car insurance in Arizona.

  • Factor
    How It Affects Your Rates
  • Adding a Teen Driver

    Adding a teen driver in Arizona has the biggest impact, making rates 3.4x more expensive.

  • Credit Score

    With a poor credit score, you may pay 2.5x more than if you had an excellent score.

  • Coverage Levels

    A full coverage policy is 2.5x more expensive than a state minimum policy in Arizona.

  • Age of Driver

    Rates in Arizona can be higher by 2.3x for young drivers compared to middle-aged drivers.

  • Car Model

    Depending on the model of your car, insurance could be twice as expensive.

Frequently Asked Questions About Low-Income Car Insurance in Arizona

You may have questions about low-income car insurance in Arizona, which is why MoneyGeek provides answers to commonly asked questions below on car insurance for low-income individuals and families in Arizona.

Methodology

MoneyGeek calculated the cost of car insurance for low-income drivers in Arizona using quotes sourced in partnership with Quadrant Information Services. The sample driver is either a 40-year-old male, a single 40-year-old parent with a 16-year-old child, an adult couple (each 40 years old), or a couple with a 16-year-old child. The individual or family drives a 2010 Toyota Camry LE. The driver buys the minimum car insurance required in Arizona.

Costs for poor and good credit scores were extrapolated based on MoneyGeek’s dataset of credit score rate adjustments by score categorization.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.