Cheap Car Insurance in Arizona

Cheap Car Insurance in Arizona

It is mandatory to get car insurance in Arizona for drivers to drive legally in the state. Different companies in Arizona provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates:

Name of the Company Average annual car insurance premiums
The Hartford $541
Safeco $567
Ameriprise Group $932
Farm Bureau Mutual (IA Group) $999
USAA $1314
GEICO $1393
State Farm $1448
Encompass $1528
American Family $1550
Nationwide $1570
Progressive $1580
Allied $1653
Safe Auto $1785
Country $1998
Metropolitan $2045
Mercury $2418
Farmers $2482
Allstate $2736

Cheap car insurance in Arizona for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Arizona with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Arizona provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Arizona by maintaining a good driving record. 

Drivers with no traffic ticket may save $412 on car insurance premiums. Drivers may save $705 on car insurance premiums if they have an accident-free record. By maintaining a good credit history you may save $1260 on car insurance premiums. 

Cheap car insurance for inexperienced drivers in Arizona

Most auto insurance providers may charge high auto insurance premiums in Arizona from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Arizona vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5420 $6285
17 $5160 $5676
18 $5377 $4944
19 $4350 $2925

Affordable auto insurance in Arizona for high-risk drivers

Car insurance companies in Arizona charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Arizona can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Arizona may get 20-25% discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1880
DUI $2068
Speeding Violation $1592
Bad Credit $2449

Best car insurance companies in Arizona

Some companies in Arizona charge lower car insurance premiums than others. To get the best auto insurance policy in Arizona you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Arizona by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Arizona:

  1. 21st Century
  2. Allied
  3. Allstate
  4. American Family
  5. Amica
  6. Auto-Owners
  7. Cal Casualty
  8. CSAA
  9. Farmers
  10. GEICO
  11. Liberty Mutual
  12. MetLife
  13. Nationwide
  14. Progressive
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Arizona?

The average annual cost to get the minimum required coverage in Arizona may be around $643. The minimum required coverage for drivers in Arizona to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $15000
Bodily injury per accident $30000
Property damage per accident $10000

 The state minimum auto insurance requirements in Arizona

The state minimum auto insurance coverage requirement is liability coverage.

  1. $15000 bodily injury coverage per person is required in Arizona.
  2. $30000 bodily injury coverage per accident is required in Arizona.
  3. $10000 property damage coverage per accident is required in Arizona

Other types of optional coverages in Arizona are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Uninsured Motorist Bodily Injury
  5. Loan/Lease Payoff
  6. Medical and Funeral Services
  7. Rental Car Reimbursement

Fine for driving without car insurance in Arizona

If anyone is caught driving without a car insurance policy in Arizona then police may charge a fine of $500. In Arizona, drivers are required to apply for an SR-22 and show proof of insurance to drive legally in the state.

Car insurance prices by cities in Arizona

Car insurance premiums in Arizona may vary from city to city. In some cities of Arizona, car insurance prices are high compared to others.

City Average annual insurance premiums
Phoenix $1815
Glendale $1729
Avondale $1670
Tempe $1596
Scottsdale $1595
Mesa $1587
Peoria $1582
Gilbert $1555
Chandler $1545
Surprise $1540
Buckeye $1536
San Tan Valley $1533
Tucson $1526
Catalina Foothills $1508
Goodyear $1492
Casas Adobes $1486
Maricopa $1447
Oro Valley $1425
Casa Grande $1422
Flagstaff $1317
Prescott $1250
Bullhead City $1210
Sierra Vista $1200
Lake Havasu City $1167

If you are looking for a car insurance deal in Arizona, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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