For felons, one of the big criteria that are looked at to determine the price you pay for insurance is where your car is garaged. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The information below rates the priciest cities in Arizona for felons in which to buy car insurance. Phoenix ranks #1 with a yearly premium of $1,218 for the average policyholder, which is around $102 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Mesa | $1,159 |
| 6 | Scottsdale | $1,151 |
| 7 | Buckeye | $1,144 |
| 8 | Tempe | $1,140 |
| 9 | Peoria | $1,126 |
| 10 | Gilbert | $1,120 |
| 11 | Maricopa | $1,118 |
| 12 | Tucson | $1,094 |
| 13 | Surprise | $1,090 |
| 14 | Goodyear | $1,087 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Chandler | $1,082 |
| 17 | Casas Adobes | $1,072 |
| 18 | Casa Grande | $1,057 |
| 19 | Oro Valley | $1,020 |
| 20 | Flagstaff | $969 |
| Find Cheaper Rates Go | ||
Price information shown is approximated as vehicle location can revise premiums substantially.
Establishing which companies offer the most affordable car insurance rates for felons will take more time in order to find coverage that fits your budget.
Each insurer used slightly different criteria for establishing rates, so we’ll go over the car insurance companies with the overall best prices in Phoenix.
Find the Cheapest Car Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,086 |
| 5 | Progressive | $1,118 |
| 6 | USAA | $1,124 |
| 7 | GEICO | $1,131 |
| 8 | CSAA | $1,189 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Safe Auto | $1,336 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,552 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford may have some of the most affordable car insurance rates in Phoenix at around $811 a year. This is $617 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive also rank well as some of the more affordable Phoenix, AZ car insurance companies.
In the above rates, if you are a policyholder with Travelers and switched to Auto-Owners, you might achieve an annual savings of upwards of $189. Drivers with Progressive may save as much as $221 a year, and USAA customers might lower prices by $227 a year.
It’s important to note that these rates are averaged across all drivers and vehicles in Arizona and and are not calculated with an exact zip code location for felons. So the auto insurance company that can offer the best rates for your situation may not even be in the top 28 companies shown above. That’s why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
Impact of citations and accidents on Phoenix insurance rates
The ideal way to earn the best car insurance premiums in Arizona for felons is to be a good driver and avoid accidents and traffic violations. The chart below illustrates how speeding tickets and at-fault accidents raise insurance costs for each different age group. The premiums are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of auto insurance in Phoenix per year with a clean driving record and no accidents is $1,417. Get two speeding tickets and the average cost rises to $1,869, an increase of $452 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for felons jumps again to an average of $2,324. That’s an increase of $908, or $76 per month, just for not keeping your driving record clean!
Full coverage rates compared to liability only
Buying cheaper car insurance should be important to most drivers, and a good way to find cheap insurance for felons is to only buy liability insurance. The chart below visualizes the comparison of insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
If we average all the age groups together, physical damage coverage on your policy costs $2,345 per year over and above liability only. At some point, almost every driver questions if full coverage is worth the money. There is no clear-cut formula of when to phase out physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the policy deductible has been paid. If premiums are more than $500 a year to have full coverage, then you might want to consider buying only liability coverage.
How to find economical insurance for felons
The list below summarizes some of the better thrifty solutions that can help Phoenix drivers buy lower-cost coverage.
- Increase physical damage deductibles
- Buy a car with high safety ratings
- Full coverage is expensive so only insure older vehicles for liability only
- Avoid price increases by not filing claims
- Bundle home and auto and earn a discount
- Higher credit scores can equal lower rates
- Shop around once a year for cheaper rates
That last tip is highly valuable, as was emphasized in this write-up. Prices charged by companies can be changed at any time, so drivers shouldn’t be reluctant to switch carriers if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that stubbornness costs you a small fortune. It only takes a couple minutes to shop around and find cheaper insurance for felons in Phoenix.
If you prefer to have the advice of a professional agent when comparing insurance rates for felons, the agents shown below can provide answers to your questions and help you determine which coverage meets your needs best. To find a Phoenix insurance agency near you, click the button at the bottom.
- Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421 - Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 - Mary Parada – State Farm Insurance Agent
3414 W Bell Rd – Phoenix, AZ 85053 – (602) 942-9202 - Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851