Drivers in Arizona are required to purchase a minimum amount of auto insurance in order to legally drive their vehicle. Arizona drivers can expect to pay an average of $ 555 per year for minimum coverage and $ 1,547 per year for full coverage. However, auto insurance rates are customized based on factors such as age, credit rating, and city.
Dozens of auto insurance companies sell full and minimum coverage policies to Arizona drivers. If you are shopping for auto insurance in Arizona, it can be helpful to understand the different factors that will affect the cost of your premium to avoid surprises.
How Much Does Car Insurance Cost in Arizona?
Currently the average annual cost of auto insurance in the US is $ 565 for minimum coverage and $ 1,674 for full coverage – very similar to what Arizona drivers pay. Arizona drivers pay an average of $ 555 per year for minimum coverage and $ 1,547 per year for full coverage.
Keep in mind that auto insurance companies look at many points of personal data to determine the cost of a premium. These include things such as:
- Driving history
- Where you live
- Car type
- Marital status
- How often do you drive
- Type of cover
- Credit score
Therefore, the cost that each driver pays for auto insurance is unique. What you pay may be lower or higher than the state average.
Arizona Auto Insurance Rates By Company
In general, the larger the population, the more accidents there will be. This is why people in large cities often pay hundreds of dollars more for auto insurance than drivers in rural areas.
The table below shows the average annual costs of a full policy for Arizona’s top 20 cities by population. The percentage increase is based on an average annual price of $ 1,547 per year.
|Auto insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|AAA||$ 456||$ 1,433|
|ACCC Insurance||$ 597||$ 1,477|
|Allstate||$ 554||$ 1701|
|American family||$ 685||$ 1,288|
|Financial Country||$ 611||$ 2,106|
|Farmers||$ 601||$ 1,344|
|Geico||$ 326||$ 916|
|Hallmark Financial||$ 551||$ 1,745|
|Iowa Agricultural Office||$ 554||$ 1,212|
|Mercury||$ 380||$ 1,274|
|MetLife||$ 822||$ 2,024|
|MGA||$ 879||$ 2,423|
|At national scale||$ 405||$ 1,110|
|Progressive||$ 650||$ 1,472|
|QBE||$ 410||$ 1,152|
|Safeway||$ 834||$ 2,453|
|State farm||$ 523||$ 1,232|
|The Hartford||$ 506||$ 1,257|
|Travelers||$ 443||$ 1,127|
|United States||$ 450||$ 1,288|
Arizona Auto Insurance Rates By City
The larger the population, the more accidents there will be. This is why people in large cities often pay hundreds of dollars more for auto insurance than drivers in rural areas.
The table below shows the average annual costs of a full policy for Arizona’s top 20 cities by population. (Note: Percentage increase is based on an average annual price of $ 1,547 per year.)
|City||Average annual premium for full coverage||% increase in average annual premium|
|San Tan Valley||$ 1,640||6%|
|Good year||$ 1,610||4%|
|Casas Adobes||$ 1,517||-2%|
|Flag pole||$ 1,361||-12%|
|Lake Havasu City||$ 1,232||-20%|
|Casa Grande||$ 1,531||-1%|
|Catalina foothills||$ 1,546||0%|
Arizona Auto Insurance Rates by Age
Since young drivers are statistically more likely to be in an accident, insurers charge these drivers more for a policy.
In the table below, you will see the average annual Arizona auto insurance rates by age. As you will see, the longer you drive, the lower the costs go, assuming there are no major driving incidents like a speeding ticket or DUI.
* 16 years and 17 years calculated on the disclosure of the parents’ policy
Arizona Auto Insurance Rates by Driving Record
Arizona auto insurance rates are greatly affected by your driving history. Take a look at the table below to see how much you can expect your bounty to increase after each violation. As you will see, the cost increase can be significant.
|Driving incident||Arizona Average Annual Full Coverage Premium||% increase in average annual premium|
How To Save On Car Insurance In Arizona
To save on your Arizona auto insurance rates, there are a few tactics you can try.
- Increase your deductible: While this will lower your payment in the event of an accident, it can also lower your monthly bill. Your insurance provider may offer a few different options, so talk to an agent to make sure you understand each one.
- Discounts: Most domestic providers offer several discount options to reduce your premium. A quick and easy course is to take a Defensive Driving Course. While it might cost you a bit of money, it may offer a discount (depending on your provider) and if it does, it will pay off after a few months.
- Compare the prices: Not all insurers are created equal. In addition, not all insurers use the same pricing algorithm. One company may dramatically increase your premium because of your credit score, while another may not increase it as much.
- Driving an old car: New cars cost more, and because of that, they cost more to insure. To save money, drive an old car with a high safety rating.
- Increase your credit score: While you can’t do it overnight, increasing your credit score will help you save money on your auto insurance. This is because people with a lower credit score are statistically more likely to file a claim.
Arizona Auto Insurance Requirements
All drivers must have a 25/50/15 politics in Arizona. In writing, this means that in the event of accident and fault, your insurer must cover up to:
- $ 25,000 per person for bodily injury
- $ 50,000 per accident for bodily injury
- $ 15,000 for property damage
Insurers are also required to provide coverage for uninsured / underinsured motorists.
While these amounts may seem like a lot of money, they often aren’t after a serious accident, especially when it comes to property damage. In today’s world, $ 15,000 does not cover the price of a new car, as many new cars cost well over $ 30,000.
Many lenders and dealerships require full coverage if you plan to lease or finance a new car. Keep this in mind when shopping for Arizona auto insurance rates. The cheapest provider for minimum coverage may not be the cheapest provider for full coverage.
Frequently Asked Questions
Is Uninsured Motorist Coverage Required in Arizona?
No, it is not mandatory, but insurance companies are required to offer it. The minimum they must offer is 25/50 ($ 25,000 per person for bodily injuries and up to $ 50,000 per accident).
Is Arizona a Flawless State?
No, Arizona is a tort state, which means the person who caused the accident is financially responsible for all damages.
What is the best car insurance company in Arizona?
The best car insurance company in Arizona varies. It depends on factors like what kind of coverage you need, the discounts you’re eligible for, and how much you can afford for a monthly premium. To find the best provider for you, do your research to find providers that meet your coverage needs, then get a few different quotes to see which company can offer the best rate.
How To Get A Car Insurance Quote In Arizona?
Getting an Arizona auto insurance quote is pretty straightforward, especially since most companies offer instant online rates. You will be asked to provide personal information, as well as information about your car, such as make, model, year, and VIN number. Some auto insurance companies will also ask you for your social security number, occupation, and history of traffic violations.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
To determine the alternative rates, our base profile was adjusted for the following scenarios:
- Driving history: The rates were calculated by evaluating our baseline profile with the following incidents applied: clean criminal record (baseline), at-fault accident, single speeding ticket, and single conviction for impaired driving.
- Age: The rates were calculated by evaluating our baseline profile with ages 18-60 (baseline: 40) applied. For teenage drivers, the rates were determined by adding a 16- or 17-year-old teenager to the policy of a 40-year-old married couple. The prices displayed reflect the additional cost to the parents policy.
These are sample rates and should be used for comparison purposes only.