Car Insurance After an Accident in Arizona: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Arizona increases insurance by 45%, raising full coverage from $2,148/year to $3,115/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$179/mo
After At-Fault Accident (+45%)
$260/mo
Cheapest Companies After Accident in Arizona
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $192/mo | $2,305/yr | Military families |
| Erie Insurance | $205/mo | $2,461/yr | Rate lock guarantee |
| GEICO | $213/mo | $2,554/yr | Clean driving record |
| Progressive | $228/mo | $2,741/yr | Telematics savings |
| State Farm | $236/mo | $2,835/yr | Good students |
| Travelers | $247/mo | $2,959/yr | Multiple discounts |
| Nationwide | $270/mo | $3,240/yr | Bundling home + auto |
| Farmers | $280/mo | $3,364/yr | Signal telematics |
| Allstate | $291/mo | $3,489/yr | Accident forgiveness |
| Liberty Mutual | $306/mo | $3,676/yr | New car replacement |
USAACheapest
Monthly
$192/mo
Annual
$2,305/yr
Best for: Military families
Erie Insurance
Monthly
$205/mo
Annual
$2,461/yr
Best for: Rate lock guarantee
GEICO
Monthly
$213/mo
Annual
$2,554/yr
Best for: Clean driving record
Progressive
Monthly
$228/mo
Annual
$2,741/yr
Best for: Telematics savings
State Farm
Monthly
$236/mo
Annual
$2,835/yr
Best for: Good students
Travelers
Monthly
$247/mo
Annual
$2,959/yr
Best for: Multiple discounts
Nationwide
Monthly
$270/mo
Annual
$3,240/yr
Best for: Bundling home + auto
Farmers
Monthly
$280/mo
Annual
$3,364/yr
Best for: Signal telematics
Allstate
Monthly
$291/mo
Annual
$3,489/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$306/mo
Annual
$3,676/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses