Car insurance for high risk drivers in Arizona

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Car insurance is an important consideration for drivers in Arizona. In 2019, 53,809 people were injured and 982 were killed in auto accidents. Alcohol was found to be a factor in 26% of those deaths. If you have been involved in an accident, you may be considered a high-risk driver.

To an insurance company, a high-risk driver is anyone who is more likely than others to file a claim. Bankrate defines a high-risk driver as a driver who has caused an accident, received a speeding ticket, been convicted of a DUI or who has had lapses in coverage. If you need high-risk auto insurance in Arizona, you may find it helpful to understand how your car insurance premiums change with various infractions, as well as learning about ways to help save money on your car insurance.

Rates for high-risk car insurance in Arizona

Auto insurance premiums are partly based on the risk of filing a future claim, so having incidents on your driving record can indicate to an insurance company that you are more likely to cause an accident in the future. If you cause an accident, get a ticket, have a DUI conviction on your driving record or have a lapse in coverage, you can expect to see an increase in your auto insurance premium. The amount of the increase will depend on the severity of the offense, as well as the other metrics of your policy, like your age, the type of car you drive and the coverages you have chosen.

Rates after a speeding ticket

Speeding is a risky driving behavior. If you receive a speeding ticket, it can be worrisome to an insurance company, suggesting that your driving practices could cause accidents in the future. To compensate for this increased risk, insurance companies generally charge higher rates for drivers with speeding tickets. The amount of your increase will vary based on the severity of the speeding ticket and your specific insurance situation.

Car insurance company Arizona average annual premium for full coverage before a speeding ticket Arizona average annual premium for full coverage after a speeding ticket % difference
American Family $1,288 $2,068 61%
Mercury $1,274 $1,996 57%
Farmers $1,344 $2,650 97%

Depending on what insurance company you are with, your premiums could nearly double after a speeding ticket.

Rates after an accident

If you cause an accident, you can expect your insurance costs to increase. The amount of the increase will depend partly on the specific details of the accident.

Car insurance company Arizona average annual premium for full coverage before an accident Arizona average annual premium for full coverage after an accident % difference
Travelers $1,127 $2,177 93%
State Farm $1,232 $1,834 49%
MetLife $2,024 $3,533 75%

Even companies that are similar in price before an accident can differ greatly after an accident. Every company has a different rating algorithm. Obtaining quotes from several companies could help you identify potential savings, even if you have an at-fault accident on your record.

Rates after a DUI

A DUI is a serious offense, and you can expect to see a premium increase after your conviction. In some cases, your insurance company may choose not to continue your policy, meaning that you will need to find insurance with another provider.

After a DUI conviction, you may be required to have an SR-22 form on file with the Motor Vehicle Department. An SR-22 is a form that your insurance company files on your behalf to show to the MVD that you have the required auto insurance coverages.

Car insurance company Arizona average annual premium for full coverage before a DUI Arizona average annual premium for full coverage after a DUI % difference
Progressive $1,472 $2,067 40%
Hallmark Financial $1,745 $2,046 17%
Safeway $2,453 $3,187 30%

The premium increase that you will see on your auto insurance policy after a DUI will vary depending on the severity of your offense and the other activity on your driving record.

Rate for teen drivers

Insurance companies consider teens to be high-risk drivers because they do not have the same level of driving experience that older drivers do. According to the Centers for Disease Control and Prevention, drivers between the ages of 16 and 19 are more likely to be involved in an auto accident than any other age group. Because of this, teens tend to pay higher car insurance premiums than older drivers.

Car insurance company Average annual premium for full coverage
Geico $1,715
Country Financial $2,901
Allstate $3,528

*16 year old on their parents’ policy

The premiums above represent the annual policy increase for adding a teen driver to their parents’ policy, not the full policy premium.

Who is a high-risk driver?

Bankrate defines a high-risk driver as any driver who meets at least one of the following qualifications:

  • Has an at-fault accident on their driving record
  • Has a speeding ticket on their driving record
  • Has been convicted of a DUI
  • Has a lapse in auto insurance coverage

Insurance companies typically consider the above violations indicative of risky driving behaviors, which can suggest that you are more likely to cause an accident and file a claim in the future.
However, there are other definitions of a high-risk driver. For example, if you own a sports car, you may be considered high-risk. Every insurance company will likely have its own definition of a high-risk driver. If you are unsure of your driver status when it comes to your auto insurance, you may be able to discuss your driving record with your agent.

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

High-risk drivers tend to pay higher auto insurance premiums, but there are ways to save. The following tips could help you lower your car insurance costs:

  • Shop around: Most auto insurance companies are going to take your driving record into account when they determine your premium, but your premium could still be different with a variety of providers. Every insurance company has its own pricing method, which means you could identify an opportunity to save by getting quotes from several carriers.
  • Increase your deductible: Your deductible is the amount of money you agree to pay out of pocket after an accident, before the insurance company begins to pay. If you increase your deductible, your premium will generally decrease. Just be sure to choose a deductible that you can afford to pay.
  • Utilize discounts: Most insurance providers offer discounts. Taking advantage of as many as you can may lower your insurance bill. You could even research the discounts offered by other companies to see if you qualify for more discounts with a different insurance provider.
  • Increase your credit score: Insurance companies view a low credit score as an indication that you may be more likely to file a claim in the future. If you increase your credit score, your insurance costs could go down.

One of the most important things you can do to keep your car insurance costs down as a high-risk driver is to continue to drive safely and maintain an active insurance policy. Since your driving record is one of the biggest determining factors of your car insurance costs, keeping a clean record and avoiding a lapse in coverage could help you to keep your costs down.

Frequently asked questions

What is the best car insurance company for high-risk drivers?

Insurance is personal. Since every driver has different insurance needs, the best company will be different for everyone. Obtaining quotes from several different companies and comparing them is one of the best ways to find the right coverage for you.

What is SR-22 insurance?

An SR-22 is a form that your insurance company files for you. Your insurance company sends it to the Motor Vehicle Department to prove that you are carrying the legally required car insurance limits. You may be legally required to file an SR-22 form in order to reinstate your license after a DUI.

Why do high-risk drivers in Arizona pay more for insurance?

Insurance companies view your past driving record as an indication of what kind of driving habits you may have in the future. If you have tickets, accidents, DUI convictions or lapses in coverage, this indicates to auto insurance companies that you could be more likely to file a claim in the future.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.
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