Best Cheap Auto Insurance in Arizona
In 2016, there were almost 5 million licensed drivers on the road in Arizona. That’s a high number, but when you consider monster mega citiplexes like Phoenix, it’s not really all that surprising. More drivers on the road equal more accidents, along with conditions like dust storms, flash floods, and busy highways. So, getting the best possible Arizona car insurance policy for you and your household is crucial.
We call ourselves Insurance Geeks because doing the research is in our blood. We work with our customers to get auto insurance rates from multiple car insurance companies in one sitting. That’s right – no pesky phone calls from a number of agents, no text messages, and no blowing up your email.
Insurance Geek does the heavy lifting for you because your unique situation matters to us, and we want to get you an auto insurance policy that will work for you and every driver in your household.
Before you compare the quotes, get acquainted with Arizona auto insurance basics in our guide!
Arizona Auto Insurance Minimum Requirements
Let’s take a look at the required coverage in Arizona.
You’ll find that all states want you to have at least some minimum bodily injury protection and property coverage in your policy. Arizona is one of the few states that doesn’t require you to have underinsured or uninsured coverage as part of your auto policy, so we definitely recommend adding that.
Minimum coverage bodily injury liability in Arizona: $15,000 person/$30,000 accident
Bodily injury can happen at any time behind the wheel. Accidents happen every day, many close to home, so it makes sense for you to cover yourself and anyone else in your car with the right bodily injury protection.
If you hurt someone else while you’re driving your car in an “at-fault” crash, even a pedestrian, there’s a good possibility you will be liable for their medical expenses.
This part of your car insurance policy also offers protection if you let someone drive your car, and they injure someone. Because we can’t predict every accident, and hitting and hurting someone comes with a heavy toll, it’s important not to skimp on this coverage.
Minimum coverage property damage liability in Arizona – $10,000/accident
If you hit someone in an expensive car, will $10,000 replace that vehicle? Very likely not.
Damaging someone else’s property always comes with a price tag, so it’s important to make sure you have the best possible coverage. We ordinarily recommend $100,000 in property damage insurance to our customers, which can help cover you even in the event of a small pile-up.
Minimum coverage uninsured and underinsured
This type of insurance isn’t mandatory in Arizona, but you’ll certainly want to add this to your Arizona auto insurance policy.
Uninsured or underinsured motorists can be a real headache because many of them won’t be able to pay out of pocket if they injure you or damage your car. This type of insurance is just a good choice in this situation.
Most of our customers discover the legal minimum liability limits required by their state simply isn’t enough, and they’d like to add a little more.
If you’re responsible for an injury or an accident on the road or if you don’t have the right auto insurance, there could be some serious consequences. We want to save our Arizona drivers from those consequences, so we offer the best possible protection at the best car insurance rates.
How Much Will I Pay for Auto Insurance in Arizona?
The average cost of auto insurance in Arizona is about $850, which is slightly less than the national average.
You may find that larger Arizona metro areas such as Phoenix and Tucson or even a more populous area like Flagstaff will require higher premium payments. With more drivers on the road in these towns and more tourists, the likelihood of an accident is greater.
However, there’s more to how much you will pay for auto insurance in Arizona than average rates in the state.
Age
Young drivers (“young drivers” does not apply only to teens, though, but also new drivers who have recently obtained a state-issued driver’s license and are therefore inexperienced) may get a higher rate for insurance in Arizona.
Those who have regained driving privileges or teens who have received their graduated instruction permit and applied for a graduated driver’s license also fall under this category.
Driving Record
Drivers who can drive safely with a clean driver’s license record can earn a lower premium for car insurance in Arizona.
As a good driver, you should also show financial responsibility. Things like poor credit scores and speeding tickets will drive the insurance rate up.
Your Car
Even color matters when it comes to auto insurance in Arizona. Style matters, too – sports cars generally have a higher potential of getting into accidents – they can go pretty fast, so this makes sense, right? Who wants to drive a BMW slowly?
Insurance Company
Insurance cost in Arizona also varies with different companies.
Insurance Geek is there to connect drivers with insurance companies who offer the cheapest rates and a wide assortment of insurance products to cater to your needs.
Discounts
While things like a poor credit score can negatively influence your insurance cost, there are still ways to save up!
Drivers can get multiple types of discounts, including a “good driver discount” that some companies offer.
You can also save by bundling – either by insuring multiple vehicles with the same company or by getting more types of insurance policies (e.g., car + home or life insurance).
Get Cheap Car Insurance Quotes in Arizona
Have you been shopping for car insurance in Arizona?
With all the factors that need to be taken into account to calculate how much you’d pay for your insurance, it can get a little complicated.
We understand this, so we’ve come up with a way to make it easier for our customers and generate free quotes for Arizona insurance.
Then you can compare quotes from multiple companies and select the cheap car insurance option that suits your needs.
Drivers can get free quotes from multiple providers by filling out a simple form on this page.
Our carriers are some of the cheapest car insurance company providers, and you’ll get to see their auto insurance rates for your particular case!
They include over 20 insurance companies, with Nationwide and Safeco being the most recommended for their excellent prices and options.
Once you decide on your affordable car insurance in Arizona, an Insurance Geek agent will guide you through the purchase and help you find a tailored policy for you.
Are Discounts Available?
Yes, they are.
Primarily, carriers absolutely love it when you bundle services. If you decide you need health insurance, life insurance, boat insurance, motorcycle insurance, or any other type of insurance, bundling together policies from one carrier can help you save big time.
If you’re interested in safe driving discounts, carriers often offer these also. Good drivers can save money on car insurance rates. Most drivers who don’t have any recent citations or accidents on their records will score a lower rate.
Good anti-theft devices and low mileage on your car or a new car will get you a better discount because of the likelihood that you will be driving a car for some time.
What Does Full Coverage Car Insurance in Arizona Include?
What do full coverage policies include?
Upon examining your Arizona car insurance coverage, you will very likely see the following coverage:
Medical liability or personal injury protection (PIP)
PIP in your auto policy covers any injury that happens in your own car. If another individual is driving your car, or you’re driving it, and you or someone else gets injured, this coverage will cover those costs.
Medical liability coverage is most commonly used for ambulance transportation expenses, medical bills, and minor interventions.
Bodily injury liability insurance
Similar to PIP, this part of your car insurance covers the medical bills – but this time around, for the other party that’s injured.
Collision coverage
All drivers have nightmares about those moments of rear-ending a vehicle or having some other type of collision.
The good news about collision auto insurance is that it doesn’t just protect you when you hit another car or cause an “at-fault” crash. We might be talking about running into an object that is standing still or even something in motion – it doesn’t matter what it is. Full coverage car insurance with collision insurance can protect you.
Ever backed up into a mailbox or had something stationary that did major damage to your car? It’s happened to all of us. In this case, collision’s got you covered.
Comprehensive coverage
Running into wildlife is definitely something that can happen during those Arizona nights, and this is where comprehensive insurance comes in.
Whether we’re talking about an animal hit, cracked or damaged windshields or damage to your car that happens while it’s parked and you’re not there – including theft – comprehensive coverage can protect you. That’s why every dependable auto insurance in Arizona should include it.
Unfortunately, car insurance isn’t going to assist you if your vehicle breaks down on the side of the road unless you’ve attached some type of roadside assistance to your policy or you have something like AAA.
Property damage liability
This part of your insurance policy accounts for another driver’s damaged property or vehicle, and you should include it in your full coverage car insurance in Arizona.
Underinsured or uninsured drivers
Underinsured protection kicks in if you find yourself in an accident with a driver who doesn’t have liability insurance.
Instead of taking them to court and facing a long waiting period, you can get the expenses paid in this way because your insurance will protect you.
Car Insurance in Arizona: Additional Things to Consider
Average rates in Arizona are a bit higher in the metro areas.
Top Arizona cities that we write auto insurance policies for include:
- Tucson
- Phoenix
- Scottsdale
- Flagstaff
- Marana
- Chandler
- Gilbert
- Glendale
How Much Coverage to Get in Arizona?
Plenty of drivers start off policies really wanting to just get the state minimum coverage.
Let Insurance Geek be the first to tell you, the state minimum liability coverage is only going to get you compliant with legal requirements to be on the road in Arizona.
If you’re hurt in your car, or you hurt someone else, or you total someone else’s car, trust us that the minimum required insurance may not protect you in that type of situation.
We typically tell our customers they need 100 300 100 coverage. That gives them $100,000 for bodily injury protection, $300,000 per accident, and $100,000 for property damage protection.
If you decide to get some type of coverage that is less than the amounts indicated above, it is very likely you will not be able to cover all bodily injury claims or replace the cost of the car that is completely totaled. When it’s your own car, that isn’t any fun.
So many drivers just want to get legal and get on the road and then wish later on they had purchased the proper coverage amount to be able to pay medical bills or replace vehicles.
Just a few more dollars a month is a really good investment when you consider how much it will save you in the long run if you get into a serious accident!
FAQ: Arizona Car Insurance
Q: Who has the cheapest car insurance in Arizona?
A: Top companies that have the cheapest car insurance in Arizona are Nationwide and Safeco. In addition to affordable insurance rates, these companies have a proven record of excellent customer service and excellent customer satisfaction ratings. We can find you the best insurance products for your particular case from a myriad of options that they offer. And if you choose to combine auto insurance with home or life insurance with the same carriers, you’ll also save up!
Q: What is the average cost of car insurance in Arizona?
A: National average rates in Arizona are around $850, which is a bit lower than average rates in the whole of the US. However, there’s much more to your price than just that. When it comes to figuring out how much you’ll pay, many different factors figure into the computation. The age of the driver, recent accidents or tickets, having a clean driving record and credit score, the type of car you drive, and the make and model as well as age all matter. If you want to get an estimate of how much you’d pay for insurance, you can use our free quote calculator that will generate instant Arizona auto insurance quotes from multiple carriers.
Quote Calculator Arizona Auto Insurance
Don’t let a poor credit score or a bad driving record affect you – we can get the lowest rates for auto insurance in Arizona.
All drivers can get free quotes here and decide on the right insurance amount, insurer, and car insurance coverage that they need.
We love our quote calculator, and we love giving our customers the exact types of rates they need, and that will cover every single driver in the home.
It’s important to us to make sure that our Arizona drivers get the best prices at the right premiums, and we want to make sure that they have the best possible experience with us.
Let’s talk about getting you multiple quotes from a variety of carriers that will help your family get on the road and protect you in the event of a serious accident.