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Cheapest Car Insurance Companies and Quotes in Arizona

MoneyGeek ranked the top insurance companies based on the affordability of average annual premiums for comprehensive and collision coverage. However, the costs for the best car insurance in Arizona will vary depending on individual circumstances. Comparing quotes from multiple companies will give you an idea of how much your car insurance premium will cost.

Average Comprehensive and Collision Rates in Arizona

The table lists the annual premium cost for comprehensive and collision coverage from various insurance carriers. Prices listed are for the average driver with a clean driving record. Insurance companies determine the cost of your premium based on your specific situation and driving history. Ask for personalized quotes from different providers and find out if you are qualified for discounts.

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Cheapest Liability Car Insurance in Arizona

Arizona drivers can opt to get liability-only car insurance that covers personal injuries and property damage to other drivers but does not include collision and comprehensive coverage. As of July 1, 2020, the state has increased the minimum liability coverage requirement for Arizona drivers. Now, you will need at least 25/50/15 coverage. This allows up to $25,000 for bodily injuries per individual, $50,000 for injuries per accident and $15,000 for property damage. For this option, the most affordable insurer is usually GEICO, with an average cost of $366 per year. If you want to raise the coverage level, you can get 50/100/50 coverage. GEICO also offers the cheapest policy for this option, with an average annual premium of $511.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Arizona for 2021

While the cost of car insurance is important, it is necessary to consider other factors like claims experience, customer satisfaction and financial strength. With these pieces of information, you’ll be able to find the best car insurance in Arizona.

MoneyGeek came up with a unique rating system after assessing rating metrics from J.D. Power and AM Best, along with industry standards for company ratings and reviews. After compiling these metrics, MoneyGeek calculated each final score out of 100.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

GEICOScore: 90
+

3/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

3

State FarmScore: 85
+

5/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

4

AllstateScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

CSAAScore: 82.5
+

3/5

User Satisfaction

2/5

Claims Ratings

5/5

Affordability

A

Financial Stability

6

Liberty MutualScore: 82.5
+

3/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A

Financial Stability

7

American FamilyScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

8

TravelersScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A++

Financial Stability

9

SafecoScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

10

FarmersScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

According to 2018 data from the National Association of Insurance Commissioners, the top-rated auto insurance companies in Arizona are GEICO, State Farm, Progressive, Farmers, USAA, Allstate, American Family, Liberty Mutual, AARP Auto Insurance Program underwritten by Hartford Fire Insurance Company and CSAA Insurance Exchange.

The top four companies comprise around 50% of the market share: GEICO at 15.70%, State Farm at 15.47%, Progressive at 11.97% and USAA at 7.96%.

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What Is the Average Cost of Car Insurance in Arizona?

Annual premiums for car insurance depend on your personal circumstances. MoneyGeek calculated rates for comprehensive and collision insurance for the average driver: a 40-year-old male with a clean record who drives a Toyota Camry. Your age, coverage level, credit score, driving history and location all factor into your average premium costs.

  • Average Driver: $1,284
  • DUI: $1,898
  • Speeding Ticket: $1,593
  • Poor Credit Score: $2,592
  • Seniors: $1,362
  • Students: $3,084

Cheapest Car Insurance for Drivers With a DUI in Arizona

According to the Centers for Disease Control and Prevention (CDC), 2,349 people in Arizona were killed in crashes involving a drunk driver from 2009 to 2018. Additionally, 1.1% of adults in the state reported driving after drinking too much (in the 30 days prior to being surveyed).

Getting a DUI can be costly. The financial repercussions may include legal fees, court fees and alcohol education treatment programs. Additionally, your car insurance rates will likely increase. After a DUI, it may be best to shop around for car insurance to find the lowest rate for your situation.

Average Car Insurance Rates With a DUI

Preventing a DUI is the best way to avoid paying more for car insurance and other fees. Spending money on a taxi, rideshare or another service to help you get home safely could also save you thousands of dollars in the long run. Following a DUI, you could pay up to $40,000 in increased auto insurance premiums over the course of 13 years.

Cheapest Car Insurance With Tickets in Arizona

According to data from the National Highway Traffic Safety Administration (NHTSA), 916 vehicle accidents were caused by distracted driving in Arizona in 2018. Arizona’s state laws prohibit all handheld cellular device use, according to the Governors Highway Safety Association, so getting a ticket for distracted driving or speeding can increase your car insurance rates.

Average Car Insurance Rates With a Ticket

Your auto insurance premium will likely increase if you get a ticket for speeding or distracted driving. According to the Insurance Information Association, auto insurers take your driving record into account when determining individual premiums, so having a ticket or accident can impact your rates. Your insurer can also re-evaluate your rate if you get a moving violation (i.e., a speeding ticket). After several years, these violations can have a lower impact, so shop around for car insurance if it's been several years since you've received a ticket.

Cheapest Car Insurance Companies in Arizona for Drivers With Bad Credit

According to Experian, the average credit score in Arizona is 696, which is lower than the national average of 703. Most insurance providers use credit scores as one factor to inform premium costs to predict insurance losses. If you have a credit score below 670, you may have to shop around to find affordable car insurance in Arizona.

Average Car Insurance Rates for Drivers With Bad Credit

While a lower credit score may mean paying more for car insurance in the short term, raising your credit score could help you secure better rates in the future.

Cheapest Car Insurance Companies in Arizona for Seniors

Seniors may experience a rise in insurance costs as they age. According to the National Highway Traffic Safety Administration data, 184 adults ages 65 and older were killed in traffic crashes in Arizona in 2017. Seniors made up 13.4% of all traffic fatalities in the state during the same year.

Driver safety courses for seniors may help you stay safe on the road and lower your car insurance costs. Senior drivers can ask about discounts for safe-driving, infrequent driving and for having a vehicle with good safety features.

Average Car Insurance Rates for Seniors

In Arizona, driver’s licenses are valid until age 65, though drivers younger than 65 may be requested to renew their license photo or take a vision test every 12 years. The renewal process for older adults includes the following condition: People ages 65 and older are required to renew their driver’s licenses in person and pass a vision test every five years.

Cheapest Car Insurance for Students in Arizona

Arizona teens using a graduated instruction permit to drive with adult supervision do not need to be added to an insurance policy. But once they're driving on their own, they will need to be insured. Keep costs in check by increasing your deductible, asking about a good student discount, enrolling your teen in a defensive driving class and letting him or her drive only a mid-sized sedan with advanced crash protection.

In Arizona, teens may secure a graduated instruction permit at age 15, but the teen must have a licensed driver who is at least 21 years of age seated in the front passenger seat at all times. To operate any vehicle that does not require a motorcycle or commercial driver license, the teen must have completed 20 hours of supervised, daytime driving practice and 10 hours of supervised, nighttime driving practice — a total of 30 hours — before applying for a graduated driver license. Additionally, Instruction Permit holders may not use a wireless communication device for any reason except during an emergency in which stopping the vehicle is impossible or could create an additional emergency or safety hazard.

If a student drives but is moving to another state for college, parents have to notify the insurer about the move (even if the student is leaving the car with their parents). Students may want to stay on their parent’s policy to save money. If students are planning to drive at college in another state, be aware that the policy matches that state's minimum requirements for insurance.

The following table illustrates an estimation of what parents in Arizona can expect to pay for their teen or college-aged student drivers.

Average Car Insurance Rates for Students

Insurance Rate Information for Military Drivers and Veterans

More than 18,000 active-duty military personnel and more than half a million veterans live in Arizona. Veterans in Arizona are exempt from paying vehicle registration fees, but only if they are processed in person or by mail; active-duty military who must apply or renew their registration online likely won't receive the same benefit.

Many insurance companies offer discounts to Arizona veterans and active-duty military on their car insurance, with some selling policies exclusively to veterans, their spouses and family members. Legacy, Armed Forces Insurance and USAA are among the companies licensed in Arizona that cater to military personnel and veterans. Discounts are not automatic, though, as veterans still need to show a clean driving record for the best savings.

Comparing quotes is always a good idea, but active enlisted personnel will also want to check if an insurance company will pause your policy if a vehicle is garaged during deployment. In addition, the local VFW will have information on insurance companies catering to veterans.

Average Rates for Arizona service members

male
25 years$1,123
50 years$903
female
25 years$1,068
50 years$915

Car Insurance in Arizona: What You Need to Know

Arizona law requires liability insurance through a company authorized to do business in this state for every motor vehicle operated on roads, including golf carts, motorcycles and mopeds. If you plan to take your car out of circulation to fix or restore it, you can file a de-insurance certificate, which keeps the registration from being suspended.

Proof of Insurance in Arizona

Arizona mandates that drivers must carry evidence of "financial responsibility" within their vehicle, which typically comes in the form of an insurance card, car insurance policy or another method of proof (see "Alternatives to Insurance" below). There are two times that drivers may need to show proof of insurance: when a law enforcement officer requests to see it or after an accident. If you've misplaced your card or policy, don't worry: the state allows you to show proof of financial responsibility to an officer via a wireless device, such as a smartphone.

Minimum Liability Insurance Requirements in Arizona

In 1972, Arizona began requiring all drivers to carry $15,000 in liability insurance to pay for injuries during an accident. Unsurprisingly, experts think this number is much too low to truly cover the cost of an accident today. The minimum levels of financial responsibility in this state are:

  • $15,000 bodily injury liability for one person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability

High-Risk Auto Insurance Program in Arizona

Arizona does not have a low-cost insurance program. If you are considered a high-risk driver because of your age or blemishes on your record, you can get insurance through the Arizona Automobile Insurance Plan (AAIP), which insures high-risk drivers. Try to find other insurance first because these plans tend to be much more expensive.

Alternatives to Insurance in Arizona

Arizona drivers don't have to carry insurance — they just need proof of "financial responsibility." Drivers who don’t have insurance can instead deposit $40,000 with the state treasurer, who will provide them with a certificate of deposit that must be carried in the vehicle.

Of course, given that only one state has lower minimum requirements than Arizona, neither a basic insurance policy nor the alternative — a $40,000 cash deposit — fully protects drivers in case of an accident.

How Much Coverage Do You Need in Arizona?

The standard industry recommendation is $100,000 for personal injury and $300,000 for accident coverage. However, this doesn’t include collision and comprehensive insurance, which pays for the cost of repairs to your own vehicle for damage caused by traffic accidents, theft, break-ins or natural disasters. Collision and comprehensive coverages are optional, meaning you won’t find them on cheap car insurance plans. Insurers recommend them for cars with a value higher than the deductible and several years' worth of premiums.

Finally, even though only 10.6% of Arizona drivers are uninsured, getting into an accident with one of them can be costly. Uninsured motorist coverage is always a good idea since it protects you from underinsured drivers.

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About the Author


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Laura Longero is an award-winning journalist who has 15 years of experience in the industry across content creation, writing and editing, communications and storytelling. She spends her free time wrangling her kids, reading and pinching pennies.


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