Best Auto Insurance Rates in Arizona

On average, your neighbors pay $70 a month.

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Compare Auto Insurance in Arizona

Arizona is called the Grand Canyon State. Here at QuoteWizard, we’ve compiled useful insurance information from industry and government sources, which you can use to send your car insurance rates plunging down a deep chasm, figuratively speaking of course.

Average Arizona Auto Insurance Rates

How much is auto insurance coverage in Arizona? The average cost of auto insurance in Arizona is slightly lower than the rest of the US. The average auto insurance premium in the state of Arizona was $843.92, compared to a national average cost of $889.01

Prices may vary depending on your zip code and driving record.

Arizona (AZ) Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

Shopping for car insurance in Arizona can seem like a lot of work. From researching companies to comparing rates, it’s easy to get overwhelmed.

Let QuoteWizard help. Fill out our easy to use (and easy to understand) form and you’ll be well on your way to finding cheap car insurance. How? We’ll put you in touch with top insurance companies so you can compare quotes and lower your rates.

Last year, 59,596 people used QuoteWizard to compare auto insurance quotes in Arizona from multiple companies to find the best rates.

Most Popular Auto Insurance Companies in Arizona

This is our list of the top most common car insurance companies reported by QuoteWizard users living in the state of Arizona last year. Out of the 59,596 Arizona drivers that used QuoteWizard to request insurance quotes last year, 6,846 had no car insurance.

With ten insurance companies (and more) to choose from, selecting the one that’s right for you isn’t so simple. Fortunately, we created detailed profiles for the 30 biggest insurers, and you can directly compare the pros and cons to find your ideal insurer.

If you’re a high-risk driver in Arizona, you may struggle to find insurance from the popular insurance companies. Fortunately, the Arizona Automobile Insurance Plan can help. It’s a state program that guarantees minimum liability insurance for drivers who cant find it elsewhere.

Are you a teen driver, or the parent of one? Finding auto insurance for teens can be a challenge.  It’s extremely expensive to insure a teen. Our studies show that car insurance for teens can cost $438 a month on average. 

Top 10 Vehicles

These are the most popular cars owned by QuoteWizard users in Arizona: 

  1. Ford F150 
  2. Nissan Altima 2.5 
  3. Toyota Camry LE 
  4. Chevrolet Silverado C1500 
  5. Nissan Sentra S 
  6. Ford Mustang 
  7. Dodge Ram 1500 
  8. Ford Focus SE 
  9. Nissan Versa S 
  10. Honda Accord EX 
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Arizona Car Insurance Rate Factors

Your personal insurance and driving history and play a large part in your insurance rates. However, there are many other Arizona-specific factors that figure into a premium.

Uninsured Drivers

12 percent of Arizona drivers are uninsured. This is just below the national average of 13 percent. Arizona ranks 24th for most uninsured drivers in the country. If you live in an area with many uninsured drivers, it can reflect in your rates.

Best and Worst Drivers

Our national study shows that Arizona has the fourth best drivers in the country! We used accident, citation, DUI, and speeding ticket data to compare each state. Arizona is home to many safe driving cities. However, Phoenix ranks 31st and Tucson ranks 33rd for worst driving cities in the country.

Most Commonly Stolen Vehicles

If you have a car known for being stolen frequently, it can hurt your rates. Check the list below of cars most often stolen in Arizona and see if your car is at risk.

Source: National Insurance Crime Bureau – Hot Wheels Report 2017

  1. 2006 Chevrolet Pick-Up (Full Size)
  2. 1998 Honda Civic
  3. 2006 Ford Pick-Up (Full Size)
  4. 1997 Honda Accord
  5. 2004 Dodge Pick-Up (Full Size)
  6. 2015 Nissan Altima
  7. 2017 GMC Pick-Up (Full Size)
  8. 2007 Toyota Camry
  9. 2017 Toyota Corolla
  10. 1997 Nissan Sentra

Car Insurance Discounts

Insurers offer many different discounts to help their policyholders save money. Here are a few that may be of interest to Arizona drivers:

  1. There are seven military bases in Arizona. If you’re in the Armed Forces, insurers have discounts for enlisted and retired military personnel. This includes the National Guard.
  2. If you already have a home or life insurance policy, see if you can get a bundling Bundling insurance plans with one company allows you to save money on all combined policies.
  3. The average Arizonian household owns two cars. If that applies to your household, ask about a multi-car discount.
  4. Arizona is home to Arizona State, Embry-Riddle Aeronautical, and Loyola Marymount Universities. If your GPA is strong, see if you can get a Good Student discount.
  5. 3,260 cars were stolen in Arizona in 2017. If you secure your car with anti-theft devices or security systems, you could get a discount out of it.

Arizona Car Insurance Laws

Minimum Car Insurance Requirements in Arizona

Arizona law requires you to have minimum coverage of 15/30/10. This means your policy must carry:

  • Bodily injury liability per person: $15,000 
  • Bodily injury liability per incident: $30,000 
  • Property damage liability per incident: $10,000 

Recommended Coverage

Keeping only minimum coverage might not seem like a risk, but all it takes is one accident to prove otherwise. Liability doesn’t cover your costs after an accident, and you can go over minimum liability limits all too easily.

According to the III, 12 percent of Arizona drivers are uninsured, more than the national average. An accident with an uninsured driver leaves you paying your own costs after an accident. Arizona drivers should consider uninsured/underinsured coverage.

Arizona dust storms can drop your road visibility to zero in seconds, raising your chances of a crash. You’ll really want to consider comprehensive coverage. It covers damage to your car from natural disasters and weather.

 It is also advised you increase your liability insurance to:

  • Individual body injury liability: $100,000
  • Total bodily injury liability: $300,000
  • Property damage liability: $100,000

Required Proof of Insurance

Drivers in Arizona are required to carry proof of insurance when driving. Arizona is one of the states that allows you to show proof of insurance on your smartphone. Failure to provide proof of insurance will result in a citation. However, if you can show that you had insurance at the time in court, the court can dismiss the ticket.

SR-22

If you get a license suspension after a DUI, Arizona law requires you to file an SR-22 form. It shows that you have the minimum required auto insurance. You are required to maintain the SR-22 for three consecutive years. Like other states, an Arizona SR-22 comes with a fair share of fees and fines.

Totaled Cars with Salvage or Rebuilt Titles

If you’re in a crash and the cost to repair your car is near or at its value, your insurer may declare your car a total loss. A totaled vehicle gets a salvage title. Once it’s repaired, it gets a rebuilt title.

Each state has their own specific laws regarding totaled cars. In Arizona total loss is figured based on a Total Loss Formula (TLF). The formula is simply the cost of the repair plus the salvage value. If this total is greater than the car’s initial market value, it is considered a total loss.

Getting insurance for rebuilt or salvaged cars can be difficult. At best you will pay a much higher premium. Some companies do not cover such vehicles at all.

Arizona Traffic Safety Laws

Distracted Driving

Arizona is one of three states that have no distracted driving laws on the books, but that could be changing very soon. While there are currently no distracted driving laws on the books in Arizona, some AZ cities have their own laws. For instance, drivers in Tucson cannot use a handheld device for any reason while driving a vehicle.

DUI Law

Driving in Arizona with a Blood Alcohol Content (BAC) of 0.08 percent results in a DUI charge. Depending on how many DUIs you have on your record, penalties include anywhere from 10 to 180 days in jail, $2,780 to $4,650 in fines (plus fees), and a license revocation.

What is definite is that your auto insurance rates will increase. Our research shows that you can expect to pay $830 per year more for insurance after a DUI. This is assuming you can find a company to cover you – drivers with DUIs are considered high-risk.

Senior Drivers

Drivers who are 65 and older usually see a car insurance rate increase. If they have a clean record, the hike may not be too bad initially, but can get more expensive as you age further. Senior drivers in Arizona are required to renew their license and take a vision test every five years.

Cars Registered in Other States

If you’re an out-of-state driver in Arizona, you’re required to carry insurance coverage required by your home state. You must also carry proof of insurance as well.

Arizona Department of Insurance

Website:
https://insurance.az.gov/
Insurance Commissioner:
Keith A. Schraad
Contact Consumer Affairs:
(800) 325-2548
Address
2910 N. 44th Street, Ste. 210
Phoenix, AZ 85018-7269

Consumer Services

  • Request information or publications
  • Ask a question about insurance
  • How to file a complaint about insurer or agent
  • How to appeal a denied health insurance claim
  • Help finding liability insurance
Phone:
(602) 364-2499
In Arizona but outside the Phoenix area:
(800) 325-2548
In Spanish:
(602) 364-2977
Fax:
(602) 364-2505

File a Consumer Insurance Complaint

Website:
Insurance Complaint Page
Phone:
(602) 364-2499
In AZ but outside of Phoenix:
(800) 325-2548
Hours:
8:00 a.m. and 4:00 p.m.
By Email:
consumers@azinsurance.gov

Sources:

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