For bad credit, one of the largest criteria that help determine the annual cost of car insurance is the neighborhood you call home. Larger areas will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The illustration below shows the most expensive places in Arizona for low credit scores to buy car insurance in. Phoenix is ranked at #1 with an annual cost of $1,255 for the average insured, which is about $105 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | San Tan Valley | $1,185 |
| 3 | Glendale | $1,178 |
| 4 | Avondale | $1,174 |
| 5 | Gilbert | $1,154 |
| 6 | Tempe | $1,152 |
| 7 | Scottsdale | $1,151 |
| 8 | Mesa | $1,147 |
| 9 | Buckeye | $1,144 |
| 10 | Goodyear | $1,131 |
| 11 | Maricopa | $1,118 |
| 12 | Peoria | $1,104 |
| 13 | Chandler | $1,093 |
| 14 | Tucson | $1,072 |
| 15 | Surprise | $1,058 |
| 16 | Oro Valley | $1,051 |
| 17 | Casas Adobes | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $896 |
| 25 | Lake Havasu City | $852 |
| Get a Custom Quote Go | ||
Prices are approximated as the specific area where the vehicle is garaged can raise or lower prices substantially.
Finding good, affordable car insurance is not always easy, and finding out which companies quote the most affordable insurance rates for low credit scores requires even more perseverance. Each company has a different formula to set premium rates, so let’s take a look at the insurance companies with the most affordable rates in Phoenix.
It’s important to know that Phoenix, AZ insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Simply getting older, adding a teenager to your policy, or getting into an accident may prompt premium changes resulting in some companies being more expensive than others.
Cheap Insurance Rates in Arizona
The Hartford normally has some of the most affordable car insurance rates in Phoenix at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheaper Phoenix, AZ auto insurance companies.
As shown above, if you currently have coverage with Travelers and switched to Auto-Owners, you could earn savings of in the vicinity of $151. Policyholders with USAA may save as much as $200 a year, and Progressive customers might reduce prices by as much as $206 a year.
To see if your current coverage is too expensive, click here to begin a quote or click several companies below for low rates.
It’s important to note that these prices are averages for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for low credit scores. So the company that is best for you may not even be in the top 28 companies in the list above. That illustrates why you need to compare rates from multiple companies using your own individual information.
The make and model of vehicle you are seeking coverage for is probably the largest consideration that determines whether or not you can buy cheap auto insurance for low credit scores. Vehicles with reasonable performance levels, modern passenger safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models.
The list below illustrates coverage premiums for a number of the most budget-friendly vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,488 |
| Chevrolet Impala LS | $1,586 |
| Honda CR-V EX-L 2WD | $1,592 |
| Ford Escape Limited 2WD | $1,604 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,610 |
| Ford Explorer Eddie Bauer AWD | $1,653 |
| Toyota Prius | $1,731 |
| GMC Sierra SLE Crew Cab 2WD | $1,737 |
| Nissan Rogue S AWD | $1,745 |
| Jeep Grand Cherokee Limited 2WD | $1,737 |
| Ford F-150 Lariat King Ranch 4WD | $1,771 |
| Toyota Tacoma 2WD | $1,806 |
| Ford Focus S 4-Dr Sedan | $1,809 |
| Nissan Altima 2.5 4-Dr Sedan | $1,844 |
| Chevrolet Equinox LT AWD | $1,850 |
| Toyota RAV4 2WD | $1,852 |
| Kia Optima SX | $1,861 |
| Find Cheaper Rates Go | |
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in specific location which can revise prices substantially.
Based upon these rates, we can infer that vehicles like the Hyundai Elantra, Chevrolet Impala, Honda CR-V, Ford Escape, and Jeep Wrangler are most likely to be some of the most affordable vehicles to insure for bad credit.
Drive safe and save
The obvious way to score the cheapest insurance rates for bad credit is to be a careful driver and avoid accidents and traffic citations. The information below highlights how traffic violations and at-fault claims can raise car insurance costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of a car insurance policy in Phoenix per year with a clean driving record and no accidents is $1,263. Receive one speeding ticket and the average cost surges to $1,425, an increase of $163 each year. Then include two accidents along with the one speeding ticket and the yearly cost of insurance for low credit scores jumps again to an average of $2,946. That’s an increase of $1,683, or $140 per month, just for being a less-than-perfect driver!
Ending up with a good quality insurance provider is difficult considering how many companies there are in Phoenix. The information below could help you select which providers to look at when insurance shopping for low credit scores.
These rankings are only made up of companies who write in the majority of U.S. states, so companies that only write business in Arizona or surrounding areas will not be included in the list. To get price quotes from many more Arizona auto insurance companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find low-cost car insurance for low credit scores
The list below summarizes many thrifty solutions that can help you get cheap auto insurance.
- Increase your deductibles
- Prevent price hikes by avoiding at-fault accidents
- Too many claims can make car insurance unaffordable
- Do not pay for comprehensive and collision coverage on older vehicles
- Do not get traffic violations
- Shop your coverage around for the best deal
The last tip is notably significant, as was affirmed in this write-up. Auto insurance prices change frequently, so drivers shouldn’t hesitate to change insurance companies if a better deal can be had. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that devotion results in you overpaying major coinage every year. If you have a few minutes, compare rates and find cheaper auto insurance for low credit scores in Phoenix.