Cheapest Car Insurance with Multiple Speeding Tickets in Arizona

You have seen the catchy commercials from auto insurance companies like Progressive, Farmers, and The General that promise the cheapest rates. So drivers should just pick the company with the cutest commercial, right?

It’s not quite that easy, unfortunately, as there are a lot of unknown factors such as whether or not you are currently insured, the area where you live, if you are claim-free, and what coverage limits you want. The information below will cover the types of situations that result in high rates and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Arizona.

The vehicle requiring coverage is probably the largest consideration that determines whether or not you can buy low-cost insurance with multiple speeding tickets. Vehicles with high performance engines, poor safety features, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.

The data below ranks auto insurance rates for a number of the most affordable automobiles to insure in Arizona.

Data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific Arizona garaging location which can lower or raise auto insurance rates greatly.

Prices based on married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can modify coverage rates considerably.

Data based on married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in zip code location which can lower or raise auto insurance rates noticeably.

One of the many factors that is used by auto insurance companies to calculate the amount you pay each year for auto insurance is where you keep your vehicle in Arizona. Densely populated urban areas like Phoenix, Avondale, and San Tan Valley tend to pay higher rates, whereas areas with less congestion tend to receive slightly lower rates.

The information below lists the most expensive cities in Arizona with multiple speeding tickets to purchase car insurance in.

Premium amounts are approximated as the specific zip code location can lower or raise coverage rates significantly.

Best rates: Allstate, State Farm, Progressive, or Geico

If you’re looking for the cheapest auto insurance after a few driving violations in Arizona, the first places to look would be Allstate, State Farm, Progressive, and Geico. If you combine them together, they insure over 45% of the entire U.S. car insurance market. The data below compares and contrasts price and claims rank as well as some different options offered by each company.

Cheap insurance quotes after a few driving violations

Thanks to technology, drivers have a lot of ways to compare cheaper car insurance rates in Arizona, but the most common ways are from an independent insurance agent, an exclusive insurance agent such as Liberty Mutual or Allstate, or direct from companies such as Geico or Progressive. They all have the same end result, but they are slightly different in how they provide rate quotes.

Independent agencies write for multiple companies and can provide price quotes from each one. They will provide you with more rates, which may provide you with improved odds of finding cheaper coverage. If prices rise, your policy can be moved and you can keep the same agent.

A captive, or exclusive, agent is usually just provide rates from just one company, a couple examples are an Auto-Owners or Allstate agent. They usually cannot provide rates from more than one company, which necessitates shopping around.

Consumers who buy car insurance direct do not use either of the other two types of agents and instead shop direct from companies such as Geico or Esurance. Shopping for car insurance direct can be good for families who do not have a need for a risk management assessment and have some degree of understanding of what coverages, limits, and deductibles they need.

Which way is best to buy the cheapest car insurance with multiple speeding tickets in Arizona? We would first guess that buying from a direct car insurance company results in the best prices since there is no middleman, but unfortunately, it’s not that simple. And we’d like to say an independent agent results in the cheapest rates because you have more choices, but that assumption is not true either. In a lot of cases, the exclusive agents may have prices that are impossible to beat.

Since car insurance prices are based on many different factors, the best way to get the lowest rate is to compare rate quotes from as many companies as possible. Be sure to get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. To see some of the cheapest online companies available, click here to view.