Cheap Auto Insurance Quotes in Arizona

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Arizona Car Insurance Averages for Annual Premiums

$482
Minimum Coverage Average
$1517
Full Coverage Average
$1126
All Coverage Types Average

Cheapest Car Insurance in Arizona

Getting cheap car insurance in Arizona doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Arizona affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Arizona

The Insureist™ Data Science team ranks the best insurance companies in Arizona using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Arizona are determined based on these results.

Car Insurance in Arizona

Arizona Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Arizona to give you an idea of the average insurance premium in each city.  AZ insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Arizona Car Insurance Quotes

The cheapest insurance companies in Arizona will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Arizona. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Arizona.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for AZ car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for AZ auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some AZ insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Arizona SR‌-22 Insurance

You will need to get SR‌-22 insurance in AZ if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in AZ files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Arizona Car Insurance & Driving Facts

Which car insurance is best in Arizona?

The best car insurance company in Arizona will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple AZ insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Arizona?

The minimum auto insurance liability coverage required in the state of Arizona is 15/30/10. This means that you must by law have at least the following coverages: $15000 bodily injury coverage per person, $30000 bodily injury coverage per accident, $10000 property damage coverage per accident. While these are the legal minimums to drive in Arizona, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional AZ auto insurance coverage depending on your financial situation.

How much does car insurance cost in Arizona?

The average annual cost of an auto insurance policy in Arizona is $1126. The average minimum coverage annual cost in Arizona is $482. The average full coverage annual cost in Arizona is $1517.

How does car insurance work in Arizona?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Arizona?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Arizona Map

Arizona

Vehicle Insurance

Arizona ( ARR-iz-OH-nə; Navajo: Hoozdo Hahoodzo Navajo pronunciation: [hoː˥zto˩ ha˩hoː˩tso˩];O'odham: Alĭ ṣonak) is a state in the Southwestern region of the United States. It is also usually considered part of the Mountain states. It is the 6th largest and the 14th most populous of the 50 states. Its capital and largest city is Phoenix. Arizona shares the Four Corners region with Utah, Colorado, and New Mexico; its other neighboring states are Nevada and California to the west and the Mexican states of Sonora and Baja California to the south and southwest.

Arizona is the 48th state and last of the contiguous states to be admitted to the Union, achieving statehood on February 14, 1912. Historically part of the territory of Alta California in New Spain, it became part of independent Mexico in 1821. After being defeated in the Mexican–American War, Mexico ceded much of this territory to the United States in 1848. The southernmost portion of the state was acquired in 1853 through the Gadsden Purchase.

Southern Arizona is known for its desert climate, with very hot summers and mild winters. Northern Arizona features forests of pine, Douglas fir, and spruce trees; the Colorado Plateau; mountain ranges (such as the San Francisco Mountains); as well as large, deep canyons, with much more moderate summer temperatures and significant winter snowfalls. There are ski resorts in the areas of Flagstaff, Alpine, and Tucson. In addition to the internationally known Grand Canyon National Park, which is one of the world's seven natural wonders, there are several national forests, national parks, and national monuments.

Since the 1950s, Arizona's population and economy have grown dramatically because of migration into the state, and now the state is a major hub of the Sun Belt. Cities such as Phoenix and Tucson have developed large, sprawling suburban areas. Many large companies, such as PetSmart and CircleK, have headquarters in the state, and Arizona is home to major universities, including the University of Arizona and Arizona State University. Traditionally, the state is politically known for national conservative figures such as Barry Goldwater and John McCain, though it voted Democratic in the 2020 presidential and senatorial elections.

Arizona is home to a diverse population. About one-quarter of the state is made up of Indian reservations that serve as the home of 27 federally recognized Native American tribes, including the Navajo Nation, the largest in the state and the United States, with more than 300,000 citizens. Since the 1980s, the proportion of Hispanics in the state's population has grown significantly owing to migration from Mexico. The state also has a substantial Mormon population.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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