Your vehicle is an essential part of your life. It gets your kids to school, gets you to and from work, to the grocery store, and it allows you to enjoy and explore your surroundings. Getting affordable car insurance in Arizona is a necessity.
This is where we can help! Everything you need to know about getting the best car insurance in Arizona is included. We’ll even provide you with a helpful rate comparison guide that will ensure you are saving the most on your coverage policy.
Which Arizona Car Insurance Company Should I Choose?
Plenty of auto insurance companies get your attention with creative advertisement. And some even feature a memorable character like Flo from Progressive or the British-inflected gecko from GEICO. But just because a company has a cute mascot doesn’t mean it necessarily offers the best rates. It’s important to shop around before you purchase a policy if you want the best coverage at the best price.
Find out how much you could save below by getting quotes from multiple Arizona auto insurance companies below. It takes only a few minutes and you might be surprised by how much you can save!
What are Arizona's Auto Insurance Requirements?
To legally drive in Arizona, you must have liability insurance that covers, at a minimum:
- $15,000 per person
- $30,000 per accident for bodily injury
- $10,000 per accident for property damage
This coverage will pay for damages you cause when you’re at fault for an accident. Whatever amount of coverage you carry is the amount of coverage your insurance carrier will pay on your behalf.
While Arizona doesn’t require drivers to hold collision and comprehensive coverage, please bear in mind that medical payments and additional damages – including your own costs if you’re ruled to be at fault – may not be covered by these minimum coverage levels. And you may choose to insure yourself above and beyond these levels to limit your own exposure for financial risk.
Cheap Liability Coverage in Arizona
Arizona’s liability insurance requirements are low, which means it’s not too hard to find affordable rates! You can get cheap liability car insurance if you compare quotes on Compare.com for state minimum coverage. In Arizona, the minimum liability is 15/30/10: that’s $15,000 per person and $30,000 per accident for bodily injury, plus $10,000 per accident for property damage.
For safe drivers, the average cost of liability-only car insurance is $835 per year, or just under $70 per month. Check your quotes to see how much you’ll pay.
How are Arizona Insurance Premiums Calculated?
Many factors go into pricing your insurance premium. Many of the factors consist of personal details that explain why there’s so much variation in policy costs. For example, car insurance companies look at the following items:
- Age, gender, and marital status
- Your credit score
- Your driving record
- Marital status
- What car you drive, including its age
- Whether you’re a newly licensed driver
- If you have multiple vehicles on the same policy
- Your address
- The crime rate in the area where your vehicle will be parked
- Whether you park your car in a gated community, a private driveway or on the public street
Which Arizona Cities Have the Cheapest Auto Insurance Rates?
The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below. We broke up the comparison by Arizona state minimum policies and full coverage policies.
|City||State Minimum||Full Coverage|
|Lake Havasu City||$470||$1,145|
Does Gender or Age Affect How Much You Pay for Car Insurance?
When shopping for auto insurance in Arizona, age plays a major role in how expensive or cheap your rates will be. As we see below, younger drivers usually pay more than older drivers. This is most likely attributed to the lack of experience found in newer drivers.
|Age of Driver||State Minimum Average Rates||Full Coverage Average Rates|
When comparing insurance rates by gender, we generally only find differences in rates when we review young drivers. Unfortunately for men, young male drivers are considered to be higher-risk drivers due to higher amounts of aggressive driving behavior. Below is a comparison by gender for drivers 18 – 21.
|Gender||State Minimum Average Premium||Full Coverage Average Premium|
We see less of a difference between men and women when we break out the comparison charts to all ages.
|Gender||State Minimum Average Premium||Full Coverage Average Premium|
How Does Your Driving Record Affect Your Premium?
The number of incidents on your driving record could be a strong factor on how much your auto insurance policy will cost you. To analyze how Arizona drivers are affected, we added the number of traffic tickets, claims, and accidents, then compared average premium rates to see who paid the most.
Just as we thought. If you don’t obey the law or are more likely to get into an accident, then you’ll probably pay more on your car insurance.
|Number of Incidents||State Minimum Average Premium||Full Coverage Average Premium|
High-Risk Driver vs. Safe Driver Car Insurance Rate Comparison
To better visualize the differences between a high-risk driver and a safe driver in Arizona, we ran some quotes for 2 sample profiles.
We have left the car insurance company names anonymous because pricing algorithms change all the time and can vary from day to day.
- Is a 44-year-old female
- Owns a 2010 Chevrolet Malibu LS
- Drives for pleasure
- Owns a home
- Has a master’s degree
- Has a clean driving record
- Is a 21-year-old male
- Finances a 2013 Honda Civic SI
- Drives to work
- Rents an apartment
- Graduated from high school
- Has two speeding tickets on his record
|Car Insurance Company||Safe Driver Monthly Premium Costs||High-Risk Driver Monthly Premium Costs|
“Fault” vs. “No Fault” States and What that Means
In the United States, individual states determine how claims are handled by designating themselves “fault” or “no-fault” states. This is how they determine whose insurance pays first when a collision occurs.
For example, Arizona is a “fault” state, which means any time an accident occurs, the party who is at fault is liable for damage and injuries. That driver’s insurance policy pays for damages first. After the coverage of that policy has been exhausted, the other person who may not be at fault may still have to use his or her policy to cover the remainder of the costs.
In a “no-fault” state, injury liability claims and lawsuits are eliminated in small accidents. Instead, the injured person’s insurance company pays up front for medical bills and lost wages (up to a certain amount), regardless of who is at fault.
What Happens if You Drive Uninsured in Arizona?
If you fail to comply with Arizona’s minimum auto insurance requirements and are cited, you may face the following penalties:
- A fine of up to $250 and suspension of license up to three months for a first offense
- A fine of at least $500 and a suspension of license up to six months for a second offense within 36 months
- A fine of at least $750 and a suspension of license and registration of one year for a third offense within 36 months
Additionally, suspended drivers will need to furnish an SR-22 form to prove certification of financial responsibility before they are allowed back behind the wheel.