Who Has Cheap Scottsdale Auto Insurance Quotes for Low Credit Scores?

The words “economical” and “auto insurance” probably shouldn’t be used together, in particular when you are shopping around for the cheapest car insurance for low credit scores. To save some money, let’s start the ball rolling by going over a few of the things that impact insurance premiums, and find a few ways to take a little off your next policy.

Shopping around for reasonably-priced auto insurance is easier said than done, and deciding which companies offer the cheapest car insurance rates for low credit scores requires more quotes for comparison.

Each insurance company has their own process to set their prices, so we’ll go over the most competitive car insurance companies in Arizona. It’s important that you understand Scottsdale car insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. Events like a birthday, buying a home instead of renting, or getting a speeding ticket may generate price changes resulting in some companies being more affordable than competitors.

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Rankings for the cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $811
2 Safeco $896
3 Auto-Owners $924
4 USAA $1,091
5 Travelers $1,108
6 Progressive $1,130
7 GEICO $1,131
8 Ameriprise Group $1,172
9 CSAA $1,177
10 Allied $1,209
11 Farm Bureau Mutual $1,247
12 Safe Auto $1,323
13 State Farm $1,337
14 Unitrin $1,343
15 Farmers $1,391
16 Titan $1,433
17 American Family $1,478
18 Amica $1,487
19 California Casualty $1,522
20 Safeway $1,554
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The Hartford quotes some of the most affordable car insurance rates in Scottsdale at around $811 annually. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the most economical Scottsdale, AZ car insurance companies.

As illustrated above, if you buy coverage from Auto-Owners and switched to The Hartford, you might achieve an annual savings of in the vicinity of $113. Policyholders with USAA could save as much as $280 a year, and Travelers insureds might lower prices by up to $297 a year.

To see how much you can save, click here to begin a quote or visit any of the low-priced companies below.

It’s important to note that these estimates are averaged across all drivers and vehicles in Arizona and and are not calculated with an exact location for low credit scores. So the auto insurance company that can offer you the best rate may not even be in the top 28 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

One of the more important criteria that are looked at to help calculate insurance cost is where your car is garaged in Scottsdale. Areas with more people or more claims will most likely have higher rates, whereas areas with less congestion get the luxury of paying less.

The next table rates the most costly cities in Arizona for low credit scores in which to purchase auto insurance. Scottsdale ranks #5 with an annual premium of $1,151 for the average insured, which is about $96 monthly.

How much is auto insurance in Scottsdale, AZ?
Rank City Annual Premium
1 Phoenix $1,255
2 Glendale $1,226
3 Avondale $1,210
4 Buckeye $1,156
5 Scottsdale $1,151
6 San Tan Valley $1,150
7 Gilbert $1,142
8 Goodyear $1,131
9 Mesa $1,125
10 Tempe $1,118
11 Peoria $1,104
12 Chandler $1,093
13 Maricopa $1,085
14 Casas Adobes $1,082
15 Catalina Foothills $1,082
16 Casa Grande $1,079
17 Tucson $1,061
18 Surprise $1,058
19 Oro Valley $1,031
20 Yuma $963
21 Prescott $942
22 Flagstaff $931
23 Bullhead City $878
24 Lake Havasu City $878
25 Sierra Vista $872
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Rate quotes are comparative as specific location information can decrease or increase coverage prices significantly.

The make and model of vehicle needing coverage is a large factor when shopping around for the cheapest auto insurance for low credit scores. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The list below features coverage costs for a selection of the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Scottsdale, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,318
Ford Escape XLS 2WD $1,442
Toyota Prius $1,460
Jeep Grand Cherokee Laredo 4WD $1,558
Volkswagen Jetta S 2.5 Station Wagon $1,610
Honda Odyssey EX-L $1,644
Hyundai Elantra GLS 4-Dr Sedan $1,649
Chevrolet Impala LTZ $1,644
Toyota Corolla S $1,652
GMC Sierra 3500HD SLE Extended Cab 2WD $1,703
Toyota RAV4 2WD $1,709
Chevrolet Equinox LS AWD $1,716
Toyota Tacoma Double Cab 4WD $1,709
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific zip code location which can increase or decrease coverage rates noticeably.

Looking at the rates, you can conclude that vehicles like the Honda CR-V, Ford Escape, Toyota Prius, and Jeep Grand Cherokee are most likely to be the cheapest vehicles to insure for bad credit.

What is the best car insurance company in Arizona?

Insuring your vehicle with the top insurance company is hard considering how many companies are available to choose from in Arizona. The company ratings displayed below may help you choose which car insurance providers to look at shopping prices with.

The ratings below only include major nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for the list. To check rates from the insurers below and more, just click here.

Scottsdale, AZ Car Insurance Company Rankings
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
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Drive responsibly or pay higher rates

A great way to maintain the cheapest car insurance prices for bad credit is to be a safe driver and avoid getting tickets or having accidents. The chart below demonstrates how speeding tickets and at-fault claims increase insurance rates for each different age category. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $1,092. Get written up for two speeding tickets and the average cost surges to $1,544, an increase of $452 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for low credit scores jumps again to an average of $1,998. That’s an increase of $906, or $75 per month, just for being a little careless behind the wheel!

If you wish to have a professional recommendation when shopping for cheaper insurance for bad credit, the agents listed below can help you decide which car insurance company is the best fit. To find an agent near you, click the button at the bottom of the list.

More Scottsdale, AZ insurance agents

How to find more affordable insurance for low credit scores

The list below details some money-saving ideas that can help Scottsdale drivers buy cheap auto insurance.

That last idea is extremely crucial, as was stressed in the prior information. Insurance rates fluctuate constantly, so don’t be hesitant to switch carriers if a cheaper price is available.

Having a favorite company is fine, but it isn’t a good idea if that inflexibility results in costing you major coinage every year. In just a couple of minutes you could compare rates and find cheaper car insurance for low credit scores in Scottsdale.