Auto Insurance with Bad Credit in Arizona

The Zebra
March 8, 2019

It can be tough to find cheap auto insurance if you have bad credit. Auto insurers use credit tier as a rating factor, assigning premiums based partially on drivers’ credit histories. Because auto insurance companies use data showing drivers with bad credit histories are more likely to file car insurance claims, they account for for that additional risk by charging more expensive rates.

Your car insurance costs with bad credit depends on which company you choose, where you live, and a few other rating factors. We've gathered below average insurance prices for drivers with bad credit in major Arizona citiesand rates from popular auto insurance companies, plus a few tips on how to save on car insurance if you have bad credit in Arizona.


Car insurance for drivers with bad credit in Arizona:

  1. Average premiums
  2. Rates by city
  3. Costs by carrier

Car insurance rates with bad credit in Arizona

Arizona drivers pay an average penalty of $1,955 per year for having a credit score in the “worst” tier. A driver in the "poor" or "below fair to poor" credit tiers will also face higher-than-average rates.


ARIZONA CAR INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Arizona
Worst$3,202
Poor$2,723
Below Fair to Poor$2,380
Average — All Credit Tiers$1,247

Compare rates from top car insurance companies.


Car insurance rates with a bad credit score in Arizona cities

Your car insurance rates also depend on the geographic area in which you live. Insurance companies rely on your address to better understand how likely you are to file a claim: the denser your area,, the more you'll pay.

We've listed major Arizona cities and their average car insurance rates for drivers with low credit scores.


BAD CREDIT CAR INSURANCE RATES IN ARIZONA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Phoenix$3,966$3,368$2,936
Tucson$3,470$2,944$2,564
Mesa$3,453$2,935$2,562
Chandler$3,352$2,852$2,489
Glendale$3,771$3,202$2,791

Compare rates from top car insurance companies.


Best car insurance companies for bad credit in Arizona

Another contributing factor to your car insurance rate is the insurer you choose. Each auto insurance company rates policies differently, giving rating factors varying weights in their pricing calculations. Credit history can be a significant price differentiator between insurance companies. In Arizona, the most affordable insurance company with bad credit is GEICO, which offers a price break of $505 per year in comparison to the second-cheapest company, American Family.

See below prices from popular auto insurance companies in Arizona for drivers with bad credit.


ARIZONA CAR INSURANCE RATES WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit Tier
GEICO$1,514
American Family$2,020
USAA$2,464
Allstate$2,774
Progressive$2,822

If you're having a hard time purchasing car insurance with a bad credit history, remember these tips:

  1. See auto insurance quotes
  2. Be smart with your claims
  3. Know what goes into auto insurance rates

Compare rates from top car insurance companies.