After a few driving violations, one of the big components that are used to help calculate the annual cost of car insurance is the neighborhood you call home in Phoenix. Larger areas tend to have higher rates, whereas areas with less congestion profit from lower rates.
The table below lists the highest-priced places in Arizona after a speeding ticket to purchase car insurance in. Phoenix comes in at #1 with the annual price of $1,255 on average, which is around $105 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Gilbert | $1,142 |
| 6 | Tempe | $1,140 |
| 7 | Chandler | $1,126 |
| 8 | Buckeye | $1,122 |
| 9 | Scottsdale | $1,117 |
| 10 | Mesa | $1,113 |
| 11 | Peoria | $1,104 |
| 12 | Goodyear | $1,098 |
| 13 | Maricopa | $1,085 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Casa Grande | $1,079 |
| 16 | Tucson | $1,061 |
| 17 | Oro Valley | $1,051 |
| 18 | Casas Adobes | $1,050 |
| 19 | Surprise | $1,048 |
| 20 | Flagstaff | $969 |
| 21 | Yuma | $963 |
| 22 | Prescott | $942 |
| 23 | Bullhead City | $896 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $852 |
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Information shown are approximated as vehicle location can decrease or increase rates greatly.
The vehicle model needing coverage is probably the biggest factor when shopping around for cheaper auto insurance after a speeding ticket. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The list below illustrates coverage costs for some of the cheaper automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,480 |
| Ford Escape Limited 4WD | $2,697 |
| Honda Accord LX-P 4-Dr Sedan | $2,706 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,718 |
| Ford Focus S 4-Dr Sedan | $2,882 |
| Ford F-150 XL Super Cab 2WD | $2,897 |
| Toyota RAV4 2WD | $2,935 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,944 |
| Ford Explorer XLT AWD | $2,959 |
| Ford Edge SE 2WD | $2,971 |
| Toyota Prius | $3,004 |
| Hyundai Elantra Blue 4-Dr Sedan | $3,048 |
| Chevrolet Equinox LT 2WD | $3,135 |
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Above prices assume single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates noticeably.
Based upon these rates, you can presume that models like the Honda CR-V, Ford Escape, Honda Accord, Jeep Wrangler, and Ford Focus are most likely to be a few of the cheaper vehicles to insure after a few driving violations.
Trying to buy affordable insurance is difficult, and deciding which companies offer the cheapest car insurance rates after a speeding ticket will take even more perseverance.
Each company has their own formula for determining rates, so first let’s look at the rankings for the car insurance companies that tend to be cheaper in Arizona. It’s a good idea to know that Phoenix car insurance rates are determined by lots of factors which can substantially change the cost of your policy. This is why it is critical to perform an extensive rate comparison to find the cheapest insurance rates after a speeding ticket. Insurance rates are determined by many risk factors and can change substantially, so the most economical option the last time you shopped around may now be costing you a lot of money.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,378 |
| 16 | Amica | $1,473 |
| 17 | Titan | $1,476 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,522 |
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The Hartford quotes some of the lowest car insurance rates in Phoenix at around $845 annually. This is $583 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheapest Phoenix, AZ car insurance companies.
As illustrated above, if you are a customer of Auto-Owners and switched to The Hartford, you may realize yearly savings of about $52. Customers with Safeco may save as much as $78 a year, and USAA insureds might cut rates by $268 a year.
To find cheaper insurance rates for your vehicle, click here or quote rates from the companies below.
Remember that these policy prices are averages for all types of insureds and vehicles and are not factoring in a specific zip code after a speeding ticket. So the auto insurance company that is most affordable for your situation may not even be in the top 28 companies shown above. That point stresses why you need to get car insurance quotes using your own driver information and specific vehicle type.
Selecting a highly-rated auto insurance company can be rather challenging considering how many companies sell coverage in Arizona. The company rank data listed below may help you analyze which auto insurers to look at comparing prices from.
The ratings below are for large nationwide companies, so companies that may only write in Arizona are not taken into consideration for this list. If you wish to compare prices and find the cheapest rates after a speeding ticket, click here.
Top 10 Major Auto Insurers in Phoenix Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Major Auto Insurers Overall in Phoenix
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
The example below shows how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance after a speeding ticket. The prices are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could pocket $334 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $502 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, have the ability to save as much as $1,114 or even more by using a higher deductible.
If you do decide to increase your deductibles, it will be important to have enough spare savings to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Responsible drivers pay cheaper car insurance rates
One of the best ways to earn the best car insurance rates after a few driving violations is to drive attentively and not get tickets or have accidents. The illustration below highlights how speeding tickets and fender-benders increase premium costs for each different age category. The premiums assume a married male driver, full coverage, $500 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Arizona per year with no violations or accidents is $1,209. Receive two speeding tickets and the average cost increases to $1,661, an increase of $452 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of car insurance after a speeding ticket jumps again to an average of $3,429. That’s an increase of $2,221, or $185 per month, just for a couple of infractions!