The words “low-priced” and “insurance” really should not be used together, specifically when you are searching for the cheapest car insurance for drivers with a bad driving record. Because it’s so expensive, let’s lead off by showing you some things that determine car insurance rates, and come up with some ways to reduce the price of your next policy.
Deciding which company quotes the best insurance rates for drivers with a bad driving record requires more time in order to find the best policy. Every car insurance company uses a little different formula for filing rates in each state, so we need to take a look at the lowest cost insurance companies in Scottsdale.
It’s important that readers know that Arizona insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Getting older, buying a different home, or getting a speeding ticket can trigger changes in premium that may make certain companies much cheaper than others.
Find the Best Cheap Insurance for Imperfect Drivers
The Hartford generally has some of the best car insurance rates in Scottsdale at around $845 a year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the most economical Scottsdale, AZ car insurance companies.
In the rate table above, if you are currently insured with Travelers and switched to Auto-Owners, you might realize an annual premium reduction of approximately $187. Policyholders with USAA could save as much as $225 a year, and Progressive insureds might realize rate reductions of up to $230 a year.
Remember that these estimates are averaged for all drivers and vehicles in Arizona and do not factor in a specific zip code for drivers with a bad driving record. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
For bad drivers, one of the largest considerations that are looked at to help calculate the amount you pay each year for auto insurance is where your residence is in Scottsdale. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The next table rates the highest-priced places in Arizona for drivers with a bad driving record in which to buy car insurance. Scottsdale is ranked #6 with an annual cost of $1,129 for car insurance, which is about $94 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,185 |
| 5 | Gilbert | $1,142 |
| 6 | Scottsdale | $1,129 |
| 7 | Goodyear | $1,120 |
| 8 | Tempe | $1,118 |
| 9 | Maricopa | $1,118 |
| 10 | Mesa | $1,113 |
| 11 | Buckeye | $1,110 |
| 12 | Peoria | $1,104 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,093 |
| 15 | Surprise | $1,080 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Casa Grande | $1,047 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $941 |
| 22 | Prescott | $924 |
| 23 | Bullhead City | $905 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $878 |
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Premium costs are approximated as specific Scottsdale zip code can modify premium rates significantly.
The vehicle model you are seeking coverage for is probably the most important factor when comparison shopping for cheap auto insurance for drivers with a bad driving record. Vehicles with more horsepower, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than more modest models.
The information below features auto insurance rates for the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $5,449 |
| Honda CR-V EX 2WD | $5,454 |
| Hyundai Elantra GLS Touring Station Wagon | $5,577 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $5,820 |
| Toyota Prius | $5,867 |
| Dodge Grand Caravan SE | $6,156 |
| Toyota RAV4 2WD | $6,159 |
| Ford Explorer XLT 4WD | $6,304 |
| Ford Edge SE AWD | $6,386 |
| Chevrolet Impala LTZ | $6,435 |
| Chevrolet Malibu Hybrid | $6,448 |
| Chevrolet Equinox LT 2WD | $6,457 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $6,495 |
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Data assumes single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can change premium rates noticeably.
Based upon the rates shown, you can see that models like the Ford Escape, Honda CR-V, Hyundai Elantra, and Jeep Wrangler will definitely be a few of the most budget-friendly vehicles to insure for bad drivers. The price for an auto insurance policy will tend to be higher just due to the fact that there is more claim exposure for drivers with a bad driving record, but overall those vehicles will have the least expensive rates compared to other vehicles.
The chart below shows how choosing a deductible can impact insurance rates when researching cheap insurance for drivers with a bad driving record. The costs are based on a single female driver, full physical damage coverage, and no other discounts are factored in.
The data above shows that a 50-year-old driver could lower their policy premium by $286 a year by switching from a $100 deductible to a $500 deductible, or save $430 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could roll back prices up to $724 or even more by choosing a higher deductible.
When increasing deductibles, it is essential to have plenty of discretionary funds to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Insuring your vehicle with the highest-rated company is hard considering how many companies there are to choose from in Scottsdale. The company rank data shown below may help you choose which coverage providers to look at purchasing from. The ratings below include companies who write in the majority of U.S. states, so companies that have a smaller presence are not factored into the list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Your low-price policy may be costing you money
Scottsdale, AZ insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. Simply having a birthday, buying a home instead of renting, or getting a few speeding tickets may cause policy rate changes resulting in some companies being cheaper than competitors.
Additionally, auto insurance companies change premium rates every year or even multiple times each year in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can result in rate increases, while a better claims history can produce cheaper Scottsdale car insurance rates.
As an example, the graph below shows the cheapest car insurance in Scottsdale, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. When quoting prices based on his personal risk profile, The Hartford offers the lowest car insurance rates in Scottsdale at $1,119 annually. This is $309 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the rest of the cheapest Scottsdale, AZ auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a claim or two, a lower credit rating, and a blemish on his driving record. Since each auto insurer has a different process for determining prices, comparing quotes most likely will result in a completely different list of companies as shown below.
GEICO now has the best auto insurance rate in Scottsdale, AZ with CSAA, Ameriprise Group, Auto-Owners, and Safeco also being competitive. This example shows why it is so important to shop around to find the lowest auto insurance quotes for drivers with a bad driving record.
Rates are impacted by many factors and change dramatically, so the most affordable company two years ago may now be an over-priced policy.