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.
Compare Cheap Insurance Quotes in Arizona
| 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 |
| Find Your Rate Go | ||
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.
| 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 |
| Quote Best Rates Go | ||
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.
| 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 |
| Compare Cheap Rates Go | |
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.
| 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 |
| Compare Rates Now Go | ||||||
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.
- State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 - Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 - State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 - Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311
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.
- Raise your deductibles
- Do not get traffic citations
- Vehicles with safetly features generally cost less to insure
- Improve your credit
- Being accident-free can lower rates significantly
- Shop around for cheaper rates regularly
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.