Auto Insurance in Arizona: Top Rated Auto Insurance Providers

If you are from the state of Arizona, auto insurance is something that needs to be on your mind. Every year, auto-related accidents cause over 160 million dollars in property damage and cost more than 8 billion dollars in medical expenses alone. You should also know that auto insurance rates are calculated based on personalized factors like age, driving history, and location. This means a quote from one company may not accurately reflect the type of coverage you need or want for your vehicle. Autoinsurenceit ranked Arizona’s top auto insurance providers based on pricing, customer satisfaction, and financial strength to help you start reviewing quotes for yourself!

Auto Insurance in Arizona

Cheapest Minimum Liability Car Insurance Companies and Quotes in Arizona

Arizona car insurance rates are calculated based on personalized factors like age, driving history, and location. A liability-only coverage package is the cheapest option in Arizona that meets the state’s minimum requirements. The best and cheapest company for minimum liability in Arizona is

  • GEICO: $366 per year
  • USAA: $383 per year (this coverage is only applicable to former and current military members and their families)

For minimum liability coverage, the provider with the highest cost per year is MetLife at $983.

AVERAGE COST FOR LIABILITY COVERAGE

CompanyAnnuallyMonthly
GEICO$366$31
USAA$383$32
Progressive$506$42
CSAA$540$45
Country Financial$571$48

The above is the annual auto insurance premiums for drivers in Arizona. The average driver would have minimum liability coverage. You may be able to save up to $1000 a year by comparing rates from different companies. The rates displayed are for a general driver in Arizona and should not be used to determine actual costs.

AutoInsurenceIT EXPERT TIP

In Arizona, the minimum liability car insurance policy only protects you against bodily injury and property damage liability. It does not cover personal medical costs or vehicle damages though! Residents of this state who want to protect themselves from these things should get a full-coverage plan that includes higher limits for both types of injuries and costs.

Cheapest Coverage Auto Insurance in Arizona

Purchasing full coverage in Arizona includes comprehensive, collision, and roadside assistance among other benefits. Drivers also get higher liability limits and reimbursement in the event of an accident. When comparing quotes, full coverage insurance is more expensive than a minimum liability car insurance policy because it offers additional protection. The companies that provide the lowest rates for full coverage in Arizona are:

  • GEICO: $770 per year
  • USAA: $790 per year (only available for military members, veterans and their families)

MetLife is the most expensive car insurance company for this coverage, with an average cost of $1,974 per year. There are many different ways that your rates can vary depending on factors like age, driving history, and location. Read quotes from several insurance companies to find the best coverage and premiums. The quote is for a comprehensive collision policy that provides $100,000 bodily injury liability per person, $300,000 bodily injury coverage per accident, and $100,000 for property damage per accident.

AVERAGE COMPREHENSIVE AND COLLISION RATES IN ARIZONA

CompanyAnnuallyMonthly
GEICO$770$64
USAA$790$66
Progressive$1,007$84
Nationwide$1,096$91
American Family$1,138$95

The table lists various insurance carriers’ annual comprehensive and collision coverage premium costs. Prices listed are for drivers with a clean driving record, but even if your history is not spotless you can still save money by asking different providers about discounts they offer on premiums based on certain factors such as age group or vehicle make/model.

The Best Auto Insurance Companies in Arizona for 2021

According to Autoinsurenceit’s research, the best car insurance companies in Arizona for most drivers are:

  • Best Overall: GEICO
  • Runner-up: State Farm

USAA was rated highest in Arizona by Autoinsurenceit’s rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as the best overall. When it comes to auto insurance, the price is important but it’s also essential 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 based on your needs.

Autoinsurenceit came up with a unique rating system for companies in the automotive industry, after assessing metrics from J.D. Power and AM Best, along with industry standards for company ratings and reviews.

List of the Largest Insurance Companies in Arizona

As the state with the third-largest insurance market in America, Arizona has a variety of different companies vying for their share. GEICO is one such company and after discovering that they had 15.7% of all policies written by an insurer on this year’s list, it was clear to see how much clout they have within our borders still today!

The more competitive the market, the better chance a company has of being financially stable. There are many factors to consider when choosing an insurance provider for your needs like price and coverage, but it is always important to have one in case something goes wrong so make sure you can afford them!

The higher competition among companies means they must be able to stay afloat with their finances just enough not only because profits are needed but also-this will sound surprising because there’s less stability than people think. This doesn’t mean driving without car insurance isn’t worth considering (you never know what might happen!), although if affordability is on top of your list or other terms then these tips may help:

Company Market Share

  1. GEICO: 15.7%
  2. State Farm: 15.5%
  3. Progressive: 12.0%
  4. USAA: 8.0%
  5. Farmers: 7.8%

How to Compare Cheap Arizona Car Insurance Quotes Online

Many Arizona auto insurance companies allow customers to get quotes online.

  • Reducing your car insurance rates by comparing quotes for the same coverage limits is possible. For example, you will have more affordable options if you are looking for a policy with $100,000 in bodily liability per accident and select that as the same figure across all insurers.
  • Enter your ZIP code in the calculator below to compare quotes.
  • GEICO, USAA, and Progressive are Arizona’s cheapest car insurance providers.

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 based on 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 which may range from $1 to over $1700!

  • 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

If you drive drunk in Arizona, your car insurance rates will be higher. You can expect to pay an average of $1,898 annually if a DUI is on your record. If not? The annual cost drops to about $1284 annually at the state’s average rate for clean drivers or families with children under 18. Many factors determine car insurance rates for divers with a DUI. However, we found that the following three companies had the lowest car insurance rates:

  • American Family: $1,178 per year
  • Progressive: $1,188 per year

GEICO and USAA are the cheapest insurers for drivers with a clean driving history, but Progressive offers the best rates for those convicted of DUI.

AVERAGE CAR INSURANCE RATES WITH A DUI

CompanyAnnuallyMonthly
American Family$1,178$98
Progressive$1,188$99
State Farm$1,367$114
GEICO$1,555$130
Country Financial$1,659$138

All the statistics are troubling, but it’s worth noting that these numbers only seem to get worse. The CDC found in their newest report released on July 21st, 2019 that 2,349 people have been killed by drunk drivers and 1.1% of adults reported driving after drinking too much within 30 days before being surveyed!

For many people, getting a DUI is the most expensive thing they have ever done in their life. Not only will you be paying for your drunk driving education classes and court fees but also any legal bills that arise from fighting these charges as well as increased insurance rates, which are sure to result. Your best bet may just be finding another car insurer who can offer you lower rates so take some time shopping around! Avoid the hefty costs of car insurance and other fees by staying sober. After a DUI, you’ll be paying up to $40k more on your auto insurance over 13 years – not worth it!

Cheapest Car Insurance for Drivers With Tickets in Arizona

Arizona drivers with minor violations, such as tickets, pay more for car insurance than residents with clean driving records. The average annual cost of insurance for individuals who have been ticketed is $1,593. This is $309 more expensive per year than the average cost of those who have a clean driving record. The top 2 companies for cost-effective car insurance in Arizona are:

  • GEICO: $914 per year
  • USAA: $1,007 per year (exclusive to military drivers)

GEICO and USAA offer the lowest rates for drivers with clean records and for drivers with tickets.

AVERAGE CAR INSURANCE RATES WITH A TICKET

CompanyAnnuallyMonthly
GEICO$914$76
USAA$1,007$84
American Family$1,178$98
Nationwide$1,253$104
State Farm$1,367$114

Distracted driving is a leading cause of car accidents, and Arizona has some of the harshest laws against it. This means that getting caught distracted behind the wheel can lead to hefty fines–including increased insurance premiums for you or your household members.

If you’re not careful, a speeding ticket or distracted driving citation can cause your auto insurance premium to skyrocket. According to the Insurance Information Association (IIA), if an insurer considers both moving violations and accidents while determining individual premiums, then tickets will also affect rates. Fortunately for drivers with multiple citations on their record in recent years, those offenses have less impact after several years as long as they are otherwise safe drivers who stay out of trouble. The IIA recommends shopping around at least every few years so consumers don’t get caught paying higher rates without knowing it was coming!

Cheapest Car Insurance Companies in Arizona for Drivers With Bad Credit

Poor credit scores will raise your insurance rates, so be careful how you pay off those debts. On average Arizona drivers with poor credit scores have to pay $2,592 per year more than a typical driver for the same coverage! The best insurance companies for drivers with poor credit in Arizona are:

  • GEICO: $1,152 per year
  • USAA: $1,426 per year (only available for military members, veterans and their families)

GEICO and USAA currently offer the most competitive offerings for drivers in Arizona with bad credit histories.

AVERAGE CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

CompanyAnnuallyMonthly
GEICO$1,152$96
USAA$1,426$119
Nationwide$1,538$128
Country Financial$1,672$139
Progressive$1,680$140

Arizona drivers are disadvantaged due to low credit scores and lack of financial stability. To find affordable car insurance, they must shop around or turn to companies that specialize in high-risk clients such as GEICO.

Arizona is ranked 49th out of the 50 states regarding average credit score according to yo Experian with an average rating of 696 which falls below the national average of 703! As one factor used by many providers including auto insurers, having poor credit can force you into shopping around for deals on coverage like homeowners or renters insurance in Arizona because most carriers won’t give discounts just because you are not able to save up enough money each month before signing off on monthly installments meaning even if you pay all year.

Cheapest Car Insurance in Arizona for Seniors

The cost of car insurance for seniors in Arizona is astronomically higher than it costs young adults and middle-aged drivers. The average annual rate for senior drivers within the state is about $78 more expensive than that of a 40-year-old male. The most affordable providers of auto insurance for senior drivers in the state are:

  • GEICO: $837 per year
  • USAA: $842 per year (only available for military members, veterans and their families)
AVERAGE CAR INSURANCE RATES FOR SENIORS
CompanyAnnuallyMonthly
GEICO$837$70
USAA$842$70
Nationwide$1,096$91
Progressive$1,145$95
Hartford$1,151$96

Seniors are often forced to deal with the effects of aging, such as increased insurance costs. Sadly, these growing pains aren’t just limited to certain aspects like health and finances; traffic accidents that may cost people their lives continue at a steady rate for seniors. The number of senior citizens killed in Arizona reached 184 last year alone- they made up 13% of those who died on our roads during 2017.

Seniors face many consequences when it comes time for them to age but sadly this is not one problem that ends after retirement or death- more than 180 elderly adults were involved in fatal car crashes last year according to NHTSA data from Arizona (13%). 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 having a good vehicle with good safety features to make sure that they are getting their money’s worth of coverage!

Arizona driver’s licenses last as long as a person is eligible to drive, but drivers under 65 may need an eye test every 12 years. This rule also applies to people older than 65 who must enter the DMV in person and pass another vision test after five years of driving with their current license.

Cheapest Car Insurance for Students in Arizona

The high cost of car insurance in Arizona can make it difficult for students to find a ride home after school. High-risk student drivers pay an average of $3,084 per year on top of the already expensive annual costs associated with automobiles. To find the cheapest carrier for full coverage in Arizona on pricing, customer satisfaction and financial strength.:

  • GEICO: $1,879 per year
  • Nationwide: 2,608 per year

The GEICO insurance company offers the best rates for young drivers starting in Arizona. USAA does offer more competitive rates in other factors than Nationwide, but Nationwide has better student rate coverage for first-time drivers.

AVERAGE CAR INSURANCE RATES FOR STUDENTS

CompanyAnnuallyMonthly
GEICO$1,879$157
Nationwide$2,608$217
Progressive$2,692$224
State Farm$3,690$308
Allstate$4,540$378

Our Arizona drivers who are under 18 and need to be insured will have the option of a good student discount or enrolling in defensive driving classes. However, once they get their full license after turning 16, insurance should be mandatory if you want them only using your mid-sized sedan with advanced crash protection at all times!

Arizona teens can drive during supervised hours without adding them to an insurance policy. But just like when adults go from learner’s permit to driver’s license status, as soon as these minors don’t require supervision anymore for automobile use – it would behoove parents to make sure that he/ she is fully protected by having him/her sign up for one of those many auto insurances available out there before letting his.

In Arizona, teens may secure a graduated instruction permit at age 15. However they must be supervised by someone over 21 years of age and sitting in the front passenger seat when driving any vehicle that does not require a motorcycle or commercial driver’s license. Before applying for their graduate driver’s licenses, they must complete 30 hours of daytime and nighttime practice with an adult supervising them during these practices – 20-hour days are just not good enough!

Arizona car insurance rates are personalized and can be difficult to compare. In order to save the most money, students moving out of state for college should keep their parents on the policy when calculating rates. Keep in mind that these estimates represent what an Arizona parent would pay for a teen or college-aged student driver.

Insurance Rate Information for Military Drivers and Veterans

Arizona’s military population is growing, and the state needs to make sure they are adequately represented. A staggering 18 thousand active-duty personnel call Arizona their home as well as half a million veterans! The benefits for those who qualify can be great: vehicle registration fees are fully waived (if processed in person or by mail) but do not apply if processed online with DMV services. This should change so that all eligible service members receive this benefit without exception; it would certainly help bolster our troops’ morale while saving them money on annual registrations which may add up depending on how many vehicles one has registered within the family unit.”

The discounts for veterans on car insurance are not automatic; instead, they need to show a clean driving record in order to receive the best savings. Many Arizona-based companies that cater exclusively to military personnel and their families offer programs such as Legacy, Armed Forces Insurance, and USAA. These benefits help make life easier after returning from active duty or rotating out of an overseas tour. Quote: the comparison is always a good idea, but active enlisted personnel will also want to check if their insurance provider pauses policies during deployment. The local VFW will have information on insurers that cater specifically to veterans and military service members.

Auto Insurance in Arizona: What You Need to Know

Arizona law requires liability insurance for every motor vehicle operated on the roads, including golf carts, motorcycles, and mopeds. If you plan to take your car out of circulation in order to fix or restore it then be sure to file a de-insurance certificate, which will keep your registration from being suspended.

Proof of Insurance in Arizona

Arizona drivers are always advised to carry proof of financial responsibility cards. If you’ve lost your insurance card, don’t worry: the state allows motorists to show verification via wireless devices such as smartphones when requested by law enforcement officers following an accident or after they have been stopped on the highway for another reason.

Minimum Liability Insurance Requirements in Arizona

In 1972, Arizona took a bold step by requiring all drivers to carry $15,000 in liability insurance to cover injuries during an accident. It wasn’t long before experts realized this number was too low and could not provide the necessary coverage for today’s accidents. In this state, the minimum levels of financial responsibility 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

In Arizona, as well as many other states with high rates of uninsured drivers, there are not any low-cost insurance programs. One option for you is the AAIP, which ensures people are at a higher risk due to age or blemishes on their records. It’s important, however, to try and find another cheaper plan because these plans tend to be much more expensive than others.

Alternatives to Insurance in Arizona

Arizona drivers don’t have to carry insurance, but they need proof of “financial responsibility,” which can be in the form of a certificate. Drivers who don’t have insurance can deposit $40,000 with the state treasurer and are given enough time to open up an account where this money is safely stored until law enforcement officials need it following any accidents that may happen on the roadways.

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 cover collision or comprehensive insurance which pays the cost of repairing damage caused by traffic accidents, theft break-ins, or natural disasters to your vehicle when you have a car valued higher than the deductible with years worth of premiums paid in advance. Collision and complexity are optional, meaning they won’t be on cheap plans but recommended as necessary. Finally, if you want to protect yourself from uninsured drivers despite only 10.6% of Arizona drivers being uninsured, get uninsured motorist coverage.

Conclusion

The best way to find the right auto insurance is by using insneed.com! This website allows you to compare and contrast quotes from a variety of different companies in your area so that you can quickly find the most affordable coverage for your needs. If you are an Arizona resident, this site will help ensure that your vehicle is covered if anything happens while on the road. Do not wait another day before getting started with finding car insurance today! Who would have thought something as simple as looking at prices could be so complicated? There’s no need to worry about it anymore because we’ve got everything taken care of for you when you use our service – enter some basic information, like how much coverage do want what kind of auto insurance you need, and what zip code you live in. We’ll provide a free quote that will give instant pricing on auto coverage for your specific needs.

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