Best Auto Insurance Rates in Arizona

On average, your neighbors pay $72 a month.

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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. According to the most recent available data from the Insurance Information Institute, in 2014, the average auto insurance premium in the state of Arizona was $837.24, compared to a national average cost of $866.31

Arizona Average Annual Auto Insurance Rates
  2012 2013 2014
Arizona Annual Average $781.71 $811.45 $837.24
Arizona Price Per Month $65.14 $67.62 $69.77
US Annual Average $814.63 $838.49 $866.31
US Cost Per Month $67.88 $69.87 $72.19
National Rank 18 18 19
Source: http://www.iii.org/fact-statistic/auto-insurance

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 top companies, and find the cheapest rates.

Top 10 Vehicles in Arizona

These are the top most common vehicles owned by Arizona drivers requesting car insurance quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Honda Accord LX/EX
  4. Ford Ranger
  5. Ford Mustang
  6. Honda Civic EX/LX
  7. Chevrolet Malibu LS
  8. Ford Explorer
  9. Toyota Camry LE/XLE/SE
  10. Chevrolet Cavalier
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Best Car 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.

Arizona State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Arizona, you must maintain a minimum level of insurance coverage of 15/30/10. This means that you must have at least:

  • $15,000 of bodily injury or death of 1 person in any 1 accident
  • $30,000 of bodily injury or death of any 2 people in any 1 accident
  • $10,000 of injury to or destruction of property of others in any 1 accident

Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Residents of other states driving on Arizona roadways are required to have coverage from insurers licensed to do business in Arizona.

Required Proof of Car Insurance

Arizona requires all residents to provide proof of insurance to law enforcement at traffic stops or immediately following accidents. You’re also required to show proof of insurance when you register your car.

Insurance companies doing business in Arizona provide the Arizona Department of Transportation (ADOT) with data on all policy cancellations, non-renewals, and new policies. If the Arizona DOT receives a notification that your policy is inactive, they’ll send a form for you to fill out and return to verify your insurance status.

Accepted proof of insurance:

  • a proof of insurance card from your insurer
  • a copy of your car insurance policy
  • a digital image of your insurance card on a mobile device

Penalties

If you’re caught driving in Arizona without proof of insurance, you will be subject to a fine of at least $250 for the first offense. In addition, you'll lose your driver's license/registration for a period of 3 months.

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SR-22 Requirements

Filing an SR-22 form may be required under the following circumstances:

  • Safety responsibility suspensions
  • Drunk driving convictions
  • Unsatisfied judgment suspensions
  • Revocations of license
  • Mandatory insurance supervisions
  • Anyone deemed to be a high risk driver because of reckless driving infractions, driving without insurance, or other moving violations that leave a driver with too few points

Arizona residents that have had their driver’s license suspended due to these or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

In Arizona, the minimum amount required to prove financial responsibility is:

  • $15,000 of bodily injury or death of 1 person in any 1 accident
  • $30,000 of bodily injury or death of any 2 people in any 1 accident
  • $10,000 of injury to or destruction of property of others in any 1 accident

Arizona state law requires you to carry an SR-22 form for a minimum of 36 consecutive months. If a driver fails to renew their policy before expiration, the state will get a letter and you could lose your license. Once renewed, you’ll get your license back, but this is a time-consuming process.

State of Arizona Traffic Safety Laws

Distracted Driving Laws

The state of Arizona does not prohibit most drivers from cell phone use while driving. School bus drivers, however, can't use cell phones while operating a vehicle.

The cities of Phoenix and Tucson prohibit all drivers from texting.

Implied Consent to Chemical Tests Law

Arizona’s Implied Consent law requires that you submit to testing to determine the alcohol or drug content of your blood, breath, or urine when arrested by law enforcement for suspicion of driving while under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 1 year driver's license suspension
  • Second and Subsequent Offenses: 2-year driver's license suspension

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Arizona with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Minimum of 10 days in jail
  • $250 base fine
  • 1-year suspension of driver’s license
  • Mandatory educational alcohol program
  • Mandatory installation of ignition-interlock system

The penalties for a second offense DUI conviction are:

  • Minimum of 30 days and up to 90 days in jail
  • $500 base fine
  • 1-year suspension of driver’s license
  • Mandatory installation of ignition-interlock system

The penalties for third and subsequent offense DUI convictions are:

  • Minimum of 34 months in jail
  • $750 base fine
  • 1-year suspension of driver’s license
  • Court ordered community service
  • Mandatory installation of ignition-interlock system

Booster Seat Law

Arizona is very strict when it comes to the safety requirements of children riding in cars. All children less than five years of age must be secured in a federally approved child safety seat regardless of their height or weight.

Children who are between the ages of five and seven and shorter than four feet nine inches must also be secured in an approved child safety seat, typically a booster seat.

Graduated Driver’s License Program

Teens can apply for a six-month learner's permit when they’re 15 ½ years old. Young drivers are required to practice driving for at least 30 hours under supervision, with 10 of those hours taking place at night. Once these conditions are satisfied, and the driver has reached at least the age of 16, they can take the driver’s test. If they pass the test, they'll get a license and the driver enters the intermediate stage.

Intermediate drivers between the ages of 16 and 17 can’t drive alone between the hours of 12 am and 5 am. For the first six months after getting a driver’s license, young drivers can’t have more than one passenger under the age of 18 in the vehicle. Young drivers can receive full driving privileges at the age of 16 ½.

Senior Drivers in Arizona

When Arizonans reach the age of 65 they must renew their driver license every 5 years. Those choosing to renew by mail are required to prove passage of an eye exam within the last 3 months.

At age 70, drivers can no longer renew their license by mail.

Seat Belt Laws

Arizona requires the use of seat belts for all passengers riding in the front seat of motor vehicles. Passengers riding in the back seat of moving vehicles are not required to wear seat belts unless they’re 15 years old or younger. The maximum fine for seat belt violations is $25.

Vehicles Registered in Another State

When you drive a vehicle in Arizona that’s required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Arizona

Average Arizona Car Insurance Rates

The average cost of car insurance in Arizona in 2014, the most recent year for which data was available, was $837.24 compared to a national average rate of $866.31. Arizona ranks 19th for most expensive car insurance in the US.

Fuel Taxes

As of January 2016, the state of Arizona taxes gasoline at 19 cents per gallon. When added to the Federal fuel tax of 18.4 cents per gallon, residents of Arizona can expect to pay a total of 37.40 cents per gallon in taxes at the gas station. Arizona taxes diesel fuel at 27 cents per gallon. When added to the Federal diesel tax of 24.4 cents per gallon, Arizonans will pay 51.40 cents per gallon in taxes at the pump for diesel fuel.

Car Insurance Risk in Arizona

Traffic Fatalities

Arizona reported 770 traffic fatalities in 2014. This number is slightly lower than the 849 fatalities reported in 2013.

  2012 2013 2014
Total Fatalities 821 849 770

Vehicle Thefts

Arizona had 17,587 vehicle thefts reported in 2014. This is a 2.2% increase compared to the 16,966 vehicles reported stolen in 2013. The vehicle theft rate was 216.2 per 100,000 in 2014. This is a decrease of 2.3% from the 2013 rate of 221.3 per 100,000.

The vehicle theft rate in Arizona is well above the overall US vehicle theft rate, which was 261.3 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Arizona

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1997 Honda Accord
  2. 1998 Honda Civic
  3. 2006 Chevrolet Pick-Up (Full Size)
  4. 2003 Ford Pick-Up (Full Size)
  5. 2005 Dodge Pick-Up (Full Size)
  6. 1997 Nissan Altima
  7. 1998 Nissan Sentra
  8. 2014 Toyota Camry
  9. 1995 Nissan Maxima
  10. 1999 GMC Pick-Up (Full Size)

Uninsured Drivers

In 2012, an estimated 10.6% of Arizona drivers had no car insurance. This number is just under the national average of 12.6% and ranks Arizona 29th in the nation for uninsured motorists.

Arizona Auto Insurer Market Share - Top 2

Ranked by Premiums Written in 2014
Rank Market Share Company
1 7.6% Travelers Companies Inc.
2 5.9% CopperPoint Mutual Insurance Co.

Arizona Department of Insurance

Website:
https://insurance.az.gov/
Insurance Commissioner:
Leslie R. Hess, J.D.
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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