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Finding Cheap Auto Insurance in Arizona
Are you looking to lower your Arizona auto insurance rates? We evaluated the average rates of 13 major auto insurance companies in Arizona. Whether you are a good driver or have an irregular driving record, buying good rates can pay off, as you will see below. Arizona’s cheapest insurance options will change based on your driving record and even your credit.
Related: Best Auto Insurance Companies
Featured Auto Insurance Partners
Auto insurance rates
Cheap auto insurance in Arizona for good drivers
Geico Auto Insurance, Auto Owners, and State Farm had the cheapest rates for good drivers among the Arizona companies we surveyed that are open to anyone. Military personnel and veterans alike should obtain a quote for USAA auto insurance.
Inexpensive Car Insurance In Arizona For Speeding Drivers
If you’re unhappy with your auto insurance rates after receiving a speeding ticket, consider Geico, Auto Owners Auto Insurance, or State Farm. Try USAA if you have a military affiliation that makes you eligible.
Cheap auto insurance in Arizona for drivers who have caused an accident
Rates go up an average of $ 980 per year in Arizona if you’ve been in an accident causing injury to someone else. Nevertheless, you can buy competitive rates for your situation. Geico, State Farm Auto Insurance, and American Family had the lowest rates in our assessment.
Cheap Auto Insurance In Arizona For Drivers With A DUI
State Farm, Progressive auto insurance, and Geico may be able to ease the pain of auto insurance rates after a DUI. With an average increase of around $ 950 per year after a DUI in Arizona, you might find it worthwhile to shop around.
Cheap Auto Insurance In Arizona For Drivers With Low Credit
Having bad credit can have significant financial implications, and in Arizona high auto insurance rates are certainly one of them. With an average increase of almost $ 1,400 a year just for having bad credit, it’s one of the costliest insurance problems to have in Arizona, even more than causing an accident.
Try quotes from Geico or CSAA to see if you can lower your auto insurance bill.
Cheap Auto Insurance In Arizona For Drivers Taken Without Insurance
Geico offered Arizona’s best auto insurance rates in our review for drivers caught driving without insurance.
The cheapest vehicles to insure in Arizona
In Arizona, the Honda CR-V, Jeep Wrangler Sport, and Subaru Forester are among the cheapest vehicles for insurance, based on average prices of the top 50 selling 2021 models. The 20 cheapest are below.
The cars with the most expensive insurance rates in Arizona among the popular models are the Lexus ES 300H ($ 2,238 per year) and the Tesla Model S Performance ($ 3,429 per year).
Related: The most expensive and cheapest cars to insure nationwide
Car Insurance Required in Arizona
Automobile liability insurance pays for the damages and injuries you cause to others. For example, if you put another car in the back at a stop sign, the other driver can make a claim against your liability insurance. Car owners in Arizona must purchase at least:
- $ 25,000 for bodily injury to a person
- $ 50,000 for bodily injuries to more than one person in a single accident
- $ 15,000 for property damage in an accident.
This is often written 25/50/15.
Prior to July 1, 2020, the minimum liability insurance required in Arizona was 15/30/10. Any policy issued or renewed after July 1, 2020 will automatically adjust to 25/50/15.
But the Arizona state minimum is insufficient. Consider this: If you cause a car accident that injures someone else, their medical bills could easily exceed the minimum of $ 15,000. You could be sued for the rest. If you have savings and assets, it’s a good idea to buy higher limits.
What else should I have?
Coverage for uninsured motorists (UM). Arizona requires auto insurance companies to provide coverage for uninsured motorists. UM insurance pays for property damage and injuries if an uninsured driver hits you. You do not have to accept UM coverage; you can reject it on a state-approved form. If you take out UM insurance, you must take out at least 15/30. It’s a good blanket to have.
Coverage for underinsured motorists. Arizona also requires auto insurance companies to offer you underinsured motorist coverage (UIM). You can decline this coverage on a state approved form. This coverage covers injuries and damage when a driver hits you, but does not have sufficient insurance. When their insurance runs out, your UIM coverage will take effect. Generally, this is a good type of coverage.
Medical cover. Medical Payments (MedPay) help pay for medical and funeral expenses for you and your passengers after a car accident, no matter who is at fault. Even if you have health insurance, MedPay can be valuable coverage because it helps cover your health plan’s deductibles and coinsurance.
Collision and full coverage. You don’t have to buy collision coverage and full coverage, but together they cover a wide range of issues, such as car accidents, auto theft, and vehicle damage caused by vandalism, riots, floods, fires, hail, failed objects (such as tree branches) and collisions with animals. If you have an auto loan or lease, your lender or leasing company will likely require you to purchase these types of coverage.
Summary: Car Insurance Required in Arizona
Can I show my insurance ID card from my phone?
In Arizona, you can use your phone to show an auto insurance ID card. Check with your auto insurer if they have a mobile app that includes electronic ID cards.
Factors Allowed In Arizona Auto Insurance Rates
Auto insurance companies in Arizona look at various factors to determine rates, such as your driving history, previous insurance claims, and vehicle model. In Arizona, companies can also look at these factors.
How many uninsured drivers are there in Arizona?
About 12% of Arizona drivers don’t have insurance, according to the Insurance Research Council. If an uninsured driver causes an accident, you can take your chances in court and take legal action. Another option is to use your uninsured motorist coverage for car related damage and injury.
Can my insurance be canceled in Arizona?
After your auto insurance policy is in effect for 60 days, Arizona law allows your insurance company to terminate your policy only for the following reasons:
- You haven’t paid the premium.
- You obtained auto insurance through fraudulent misrepresentation.
- You or anyone who regularly drives your car has had their driver’s license suspended or revoked during the term of the policy.
- You or anyone who regularly drives your car has been convicted during the 36 months immediately preceding the effective date of the policy or during the policy period for 1) criminal negligence resulting in death, homicide or assault resulting from driving the vehicle; 2) drive a motor vehicle while intoxicated or under the influence of drugs; 3) leave the scene of an accident; 4) making false statements in an application for a driving license; dangerous driving.
- You or anyone who drives your car on a regular basis has become permanently disabled and cannot produce a doctor’s certificate attesting to your ability to drive a car.
- You are placed in receivership or receivership.
- You use your car for business purposes.
- The Insurance Manager has determined that maintaining your insurance policy would place the insurance company in violation of Arizona laws and jeopardize the insurer’s creditworthiness.
Penalties for driving without auto insurance in Arizona
If you’re caught driving without insurance in Arizona, you can be fined $ 500 and have your license and registration suspended for three months.
When can a vehicle be totaled in Arizona?
If your vehicle is severely damaged by a problem covered by your policy (such as a car accident or flood), your insurance company may declare the car a total loss if the cost of the repairs (plus the scrap value) is greater. at the actual surrender value. of your car before the accident.
Resolve insurance issues
The Arizona Department of Insurance monitors insurance companies and takes consumer complaints. If you believe your insurance company or agent has broken Arizona law, you can file a complaint here.
To find the cheapest auto insurance companies in Arizona, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in personal injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.
Companies assessed for Arizona were Allstate, American Family, Auto-Owners, CSAA, Farm Bureau Mutual, Farmers, Geico, MetLife, Progressive, State Farm, Travelers, The Hartford, and USAA.