Low Income Car Insurance Arizona

Car Insurance for Low-Income Drivers in Arizona

Arizona has no government-run car insurance scheme to help low-income people or families. All drivers in Arizona must have car insurance, but 11.8% of drivers there do not. This could be because their rates are too high.

For most drivers, the cheapest choice is a traditional policy with the bare minimum coverage. Some low-income drivers in Arizona may be able to afford pay-per-mile insurance.

Cheapest Arizona Car Insurance Companies for Low-Income Families

In Arizona, your income doesn't affect how much your car insurance costs, but a family's credit score does. In Arizona, rates for Way's sample single parents were as much as $2,258 more per year if they had bad than good credit. If a couple in Arizona had a child and bad credit, their rates would be about $3,023 more yearly than good credit.

Most of the time, these Arizona insurance companies offer the best deals for a couple with bad credit and a child:

Nationwide: $3762 a year

USAA has a good rate of about $3489 per year for Arizona couples with a child who have bad credit and a history in the military.

For a single parent with bad credit, these Arizona car insurance companies offer the best deals:

CSAA: $3510 a year

With rates around $2688 per year, USAA is the best choice for single parents with bad credit who have served in the military.

Single Parent with a Kid (Good Credit Score)

Couple with a Kid (Good Credit Score)

Single Parent with a Kid (Poor Credit Score)

Single Parent with a Kid (Poor Credit Score)

Couple with a Kid (Poor Credit Score)

Cheapest Arizona Car Insurance Companies for Low-Income Individuals

Car insurance rates are about $672 more per year if the drivers have bad credit compared to good credit.

On average, these Arizona insurance companies offer the best deals for a driver with bad credit and low income:

• Progressive: $1071 a year

Regarding price, USAA is the best option for a driver with bad credit who has served in the military. They charge about $813 a year. A Progressive policy costs about $531 yearly, and a USAA policy costs about $405 yearly for a driver with good credit.

Good Credit Score

Poor Credit Score

Cheapest Arizona Car Insurance Companies for Low-Income Students

If you are a young student driver in Arizona, your car insurance will cost more because you have less experience. College students aren't paid more because of how much money they make, but since many make less, car insurance is usually a big chunk of their budget.

Most of the time, these Arizona insurance companies offer the best deals for low-income student drivers with bad credit:

• Progressive: $2397 a year

USAA is the cheapest at about $1818 per year, and young kids with a military family background may be able to get it.

Some kids from low-income families have good credit. If you have good credit in Arizona, you can get a Progressive car insurance policy for about $861 or just over $1185 a year. It costs about $897 a year for students with good credit to join USAA.

Good Credit Score

Poor Credit Score

Cheapest Arizona Car Insurance Companies for Low-Income Seniors

Arizona drivers over 65 usually have to pay more for car insurance than drivers in the middle group. Their credit score also affects how much their car insurance costs.

Most of the time, these Arizona car insurance companies offer the best deals for seniors with low incomes and bad credit:

• Progressive: $1221 per year

People over 65 who have served in the military could also get USAA insurance for about $936 a year.

It's not true that all low-income adults in Arizona have bad credit. A Progressive policy costs about $606 yearly, and a USAA policy costs about $459 yearly.

Good Credit Score

Poor Credit Score

Does Income Influence Arizona Car Insurance Rates?

In Arizona, insurers do not use income to set rates for car insurance. But your rate is affected by your age, the number of cases you've made, and your income. If you make little money, you're more likely to file a claim because you can't pay for the fixes yourself. That changes your past claims, which changes your car insurance rate.

The cost of car insurance in Arizona is affected by the following:

• Adding a teenage driver.
• Score on credit.
• Levels of coverage.

Arizona car insurance rates are also based on your age and the type of car you drive.

Is There Low-Income Car Insurance in Arizona for Families and Individuals?

Arizona does not have a government program that helps low-income drivers pay for car insurance. Low-income people can still get cheap car insurance in Arizona; the best options are found by comparing quotes from different companies.