Car Insurance with Bad Credit in Arizona (2026)
Quick Answer
Bad credit in Arizona increases car insurance by 63%, raising full coverage from $2,148/year to $3,501/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$179/mo
Poor Credit (1.63x)
$292/mo
Best Companies for Bad Credit in Arizona
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $216/mo | $2,591/yr | Military families |
| Erie Insurance | $230/mo | $2,766/yr | Rate lock guarantee |
| GEICO | $239/mo | $2,871/yr | Clean driving record |
| Progressive | $257/mo | $3,081/yr | Telematics savings |
| State Farm | $265/mo | $3,186/yr | Good students |
| Travelers | $277/mo | $3,326/yr | Multiple discounts |
| Nationwide | $303/mo | $3,641/yr | Bundling home + auto |
| Farmers | $315/mo | $3,781/yr | Signal telematics |
| Allstate | $327/mo | $3,921/yr | Accident forgiveness |
| Liberty Mutual | $344/mo | $4,131/yr | New car replacement |
USAACheapest
Monthly
$216/mo
Annual
$2,591/yr
Best for: Military families
Erie Insurance
Monthly
$230/mo
Annual
$2,766/yr
Best for: Rate lock guarantee
GEICO
Monthly
$239/mo
Annual
$2,871/yr
Best for: Clean driving record
Progressive
Monthly
$257/mo
Annual
$3,081/yr
Best for: Telematics savings
State Farm
Monthly
$265/mo
Annual
$3,186/yr
Best for: Good students
Travelers
Monthly
$277/mo
Annual
$3,326/yr
Best for: Multiple discounts
Nationwide
Monthly
$303/mo
Annual
$3,641/yr
Best for: Bundling home + auto
Farmers
Monthly
$315/mo
Annual
$3,781/yr
Best for: Signal telematics
Allstate
Monthly
$327/mo
Annual
$3,921/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$344/mo
Annual
$4,131/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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