From the rock buttes of Monument Valley to the lush forests of the Salt and Verde River basins, Arizona has some of the most spectacular landscapes in the country. The best way to enjoy The Grand Canyon State is by car. Whether you live in the hustle and bustle of Phoenix or a secluded outpost in the Sonoran Desert, you need car insurance before you get behind the wheel.
In 2019, over 8.8 million registered vehicles occupied Arizona’s roads and highways. Almost 130,000 automobile crashes occurred the same year, resulting in 911 fatalities and 36,926 injuries. So, you can see why it is so important to protect yourself against damage, loss and injury before you hit the road.
- Research insurance rates for each make and model that interests you.
- Research how factors such as credit and driving history affect your insurance rate.
- Visit the Arizona Department of Insurance website to find out how much insurance the law requires.
- Shop around and get insurance quotes from several companies.
- When speaking with insurance agents, find out what each type of car insurance policy covers.
- Ask agents about discounts, including premium reductions for bundling homeowners and car policies. Some insurance companies also offer group discounts for members of professional associations or alumni groups.
- Read the details of insurance quotes, paying close attention to limits and deductibles. If you own an older car, consider raising deductibles or dropping coverage such as collision and comprehensive insurance.
- Check with the ADI to make sure the company you choose holds a current license.
- Purchase car insurance before you drive off the lot.
With those in mind explore some of the best options for Arizona auto insurance.
The best car insurance companies in Arizona
Finding the best car insurance in Arizona might seem daunting, but with a little guidance, you can find the right fit. Each year, J.D. Power and Associates conducts an exhaustive study of car insurance companies to find the best in the business. Using a scoring system, J.D. Power produces regional reports that rates companies’ performance. In its 2020 U.S. Auto Insurance Study, J.D. Power’s top five Southwest region car insurance companies include:
|Car Insurance Company||J.D. Power Score (out of 1,000)||Average Minimum Coverage Rate||Average Full Coverage Rate|
American Family climbs up to first place in the latest J.D. Power study. The company has some unique car insurance coverages you won’t find from the top auto insurance companies in Arizona, including rideshare coverage, accidental death and dismemberment and gap insurance.
Geico may offer the best car insurance rates in Arizona. A varied list of discounts will ensure you save money. Some of the best discounts include 25 percent off for an accident-free history, 15 percent off on new car insurance and 25 percent your premiums if you insure more than one vehicle.
Finding the best insurance in Arizona can be a challenge. Allstate is one of the largest and best car insurance companies in Arizona, checking all the boxes of what drivers look for in coverage. The company aims to improve service and meet the needs of customers. Chances are high there’s an Allstate Agent not far from where you live, ready to help you find the best car insurance in Arizona.
The Hartford makes the list as one of the best car insurance companies in Arizona due to its partnership with the AARP. Drivers age 50 or older will have exclusive discounts and coverages through their AARP membership. A special feature is lifetime renewability — older Americans are guaranteed insurance as long as they pay their premiums.
State Farm is one of the best car insurance companies in Arizona for its many discounts. If you’re willing to take a driving safety course or sign up for Drive Safe and Save, a program that monitors your driving habit and provides you with suggestions on how to drive safer, you can save money on your car insurance and reduce your risk of causing an accident.
State minimum insurance requirements in Arizona
All states require you to purchase certain insurance coverages before you can register your vehicle. According to the Arizona Department of Insurance all vehicles must have at least $40,000 worth of coverage, secured by a bond, certificate of deposit or certificate of insurance. Most drivers opt for insurance coverage.
Arizona drivers must carry $15,000 per person in bodily injury insurance, with a minimum coverage level of $30,000 per accident. Bodily injury coverage pays for the medical expenses of another driver, a pedestrian or the passengers of another driver when you are at fault for an accident. Your auto policy also must include $10,000 in property damage coverage to pay for other people’s property when you are at fault in an accident.
Average cost of car insurance in Arizona
The average cost of car insurance in Arizona is $1,587 for full coverage and $502 for minimum coverage.
Car insurance discounts in Arizona
There are plenty of ways to save on your car insurance. Most insurance companies offer discounts to help you reduce your premium rates. In Arizona, The Hartford offers numerous ways to save, including:
- Anti-theft device discounts for vehicles equipped with car alarms and tracking devices.
- Air bag discounts for suitably equipped automobiles.
- Fuel type discounts for electric and hybrid vehicles.
USAA rewards its military families with:
- Family discounts for the children of military members who continue the USAA coverage their parents purchased for them.
- Longevity discounts for policyholders who continuously renew their USAA coverage.
- Military installation discounts for policyholders who store their vehicles on military bases.
Arizona State Farm customers can reduce their rates with:
- Accident-free discounts when they maintain an accident-free driving record for three consecutive years.
- Driver training discounts when all drivers in a household complete an approved driver education class.
- Good student discounts for students under the age of 25 when they make the Honor Roll or rank in the top 20% of their classes.
Frequently asked questions
What is the cheapest car insurance in Arizona?
Arizona insurance rates are based on several factors, including the driver’s age, the make and model of the insured vehicle and a policyholder’s driving history.
What information is needed to get car insurance in Arizona?
When you contact an insurance company for a quote, an agent will need to know your age, location, make and model of your vehicle, annual mileage and information about your driving record.
Does Arizona require car owners to have insurance?
Arizona requires car owners to carry minimal amounts of bodily injury and property damage insurance.
Does Arizona require drivers to have uninsured and underinsured motorist insurance?
Arizona does not require car owners to purchase uninsured and underinsured motorist coverage.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.