Best Cheap Auto Insurance for Low Credit Scores in Arizona

You have most likely watched the captivating ads from companies like The General, Nationwide, and State Farm that claim enormous savings, so drivers should just choose the one with the best commercial, right?

It’s just not that simple, as there are a ton of unknown aspects like where your residence is in Arizona, if you are a good driver, and the amount of liability insurance you need, that all influence how much you pay for auto insurance. This article will cover the best ways to avoid overpriced car insurance and should give you a good start to your coverage search.

The vehicle to be insured is probably the largest consideration when comparing quotes for the best cheap auto insurance for low credit scores in Arizona. Vehicles with higher performance, a lack of safety features, or a track record of large liability claims will cost quite a bit more to insure than more modest models.

The next table estimates insurance prices for the most cost-effective vehicles to buy insurance for.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can lower or raise premium rates greatly.

Based upon these rates, we can assume that makes and models like the Honda CR-V, Honda Odyssey, Subaru Forester, and Hyundai Tucson will be some of the cheapest vehicles to insure for bad credit.

For Arizona drivers, one of the criteria that is used by insurance companies to calculate the amount you pay each year for auto insurance is where your home is located in Arizona. Regions with larger populations or more claims like Phoenix, Glendale, and Buckeye tend to pay higher rates, whereas areas with less congestion have the gratification of the best cheap auto insurance for low credit scores in Arizona.

The information below lists the most expensive places in Arizona for low credit scores in which to buy car insurance.

Price information shown is estimated as the vehicle garaging location can modify coverage rates significantly.

Driving violations and accidents

The best way to get the most affordable car insurance rates in Arizona for bad credit is to be a good driver and maintain a clean driving record. The chart below highlights how speeding tickets and accident claims increase insurance premiums for each age group. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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In the example above, the average cost of auto insurance in Arizona per year with a clean driving record and no accidents is $1,618. Get written up for one speeding ticket and the average cost hikes up to $1,886, an increase of $268 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for low credit scores increases to an average of $4,209. That’s an increase of $2,591, or $216 per month, just for not driving carefully!

Discounts on Arizona insurance rates

Insurance companies that sell the best cheap auto insurance for low credit scores in Arizona may also provide rate discounts that can reduce rates by 25% or more if you are eligible to receive them. A list of companies and a partial list of their discounts are included below.

The diagram below shows the difference between car insurance rates with and without discounts applied to the policy premium. Data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, passive restraint, claim-free, accident-free, multiple vehicle, and homeowner discounts applied. When discounts are applied, the the average yearly reduction on car insurance for low credit scores is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2945,2123],[‘Age 30’, 1533,1117],[‘Age 40’, 1521,1103],[‘Age 50’, 1379,1005],[‘Age 60’, 1335,967],[‘Age 70’, 1617,1167]]);var options = {title: ‘Effect of Discounts on Insurance Price for Low Credit Scores’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Allstate, Progressive, Geico, and State Farm compared

If you’re looking for the cheapest auto insurance for bad credit, four companies to consider are Allstate, Progressive, Geico, and State Farm. When added together, they insure over 48% of all policies written in the United States. The data below compares and contrasts pricing and service ratings, as well as optional policy coverages that are available from each company.