As of 2015, there were just under 5 million licensed drivers in Arizona, and every driver is legally required to carry car insurance. The average cost of car insurance in Arizona is $1,547 per year for full coverage and $555 per year for minimum coverage. Arizona is slightly cheaper when compared to the national average premium of $1,674 annually for full coverage and $565 annually for minimum coverage.
However, not all car insurance companies are created equal. If you are looking for the cheapest car insurance in Arizona, some insurance providers are likely to be a better fit.
The cheapest car insurance in Arizona
Arizona drivers can get affordable auto insurance from several providers. The companies in the table below represent some of the lowest rates in Arizona and may be a good place to start your insurance search.
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico is a great choice for drivers who are looking for cheap car insurance in Arizona. The average annual full coverage premium is $916 and the average annual minimum coverage premium is $326. In addition to low premiums, Geico customers may be able to save additional money by taking advantage of the company’s numerous discounts. Geico has discounts for safe drivers, good students, military members, federal employees, employer groups, bundling policies and having vehicle safety features, like airbags and daytime running lights.
Mercury’s average annual full coverage premium is $1,274, and the average annual minimum coverage premium is $380. Arizona drivers can also take advantage of discounts for having an anti-theft system, paying their premium in full, being a good student and signing up for autopay. Policyholders may earn extra savings by participating in Mercury’s mileage tracking program, RealDrive.
With an A++ rating from AM Best, Travelers is an excellent choice for auto insurance coverage, thanks to its wide range of coverage options, including gap insurance, rental coverage, roadside assistance, accident forgiveness and ridesharing coverage. With Travelers, you may also be eligible for various discounts, including a home ownership discount, new car discount and discounts for hybrid and electric vehicles.
Nationwide makes it easy to obtain affordable car insurance in Arizona, with plenty of options for customization. These include towing and labor coverage, accident forgiveness, a deductible reduction program, gap coverage and more. It also receives an A+ rating from AM Best for excellent financial stability.
QBE offers cheap car insurance options with its FlexAuto plan. The company offers all the standard car insurance coverage options as well as PIP or medical payments coverage, towing and labor, audio/visual equipment coverage and transportation expense coverage. QBE also offers several discounts, including a proactive customer discount, passive restraint discount and longevity discount.
Affordable coverage for Arizona drivers
Arizona drivers are required to carry at least 25/50/15 car insurance coverage. This means that all drivers in Arizona must have at least the following levels of car insurance:
- $25,000 for bodily injury liability coverage per person
- $50,000 for bodily injury liability coverage per accident
- $15,000 for property damage liability coverage per accident
Choosing minimum limits may keep your insurance premium low, but it can leave you with out-of-pocket expenses if you get into an accident where the damages exceed your coverage limits. Additionally, minimum coverage insurance does not offer any protection for your own vehicle. If you finance your vehicle with a loan or a lease, your lender will likely require you to carry comprehensive and collision insurance.
How to get cheap car insurance in Arizona
Getting cheap car insurance in Arizona starts by choosing a provider that sells affordable coverage, but there are other ways to lower your car insurance premium. Here are some suggestions:
- Shop around: Take your time researching car insurance companies. Make a list of the factors that matter most to you, like great customer service or numerous coverage options, and find a handful of companies that meet your criteria.
- Compare quotes: Once you have found several potential insurance companies, get quotes from each provider and compare the rates. That is one of the best ways to find out if you are finding the coverage you need within your budget.
- Take advantage of discounts: Look for insurance companies that offer a variety of discounts you qualify for. You can also call an agent to ask about unadvertised discounts you might be able to take advantage of.
- Work on your credit score: Insurance companies in many states use your credit score, among other factors, to calculate your rate. Raising your credit score, even by several points, can lower your insurance premium.
- Increase your deductible: Increasing your deductible will generally lower your premium. However, make sure you can afford to pay a higher deductible if you choose this option.
- Pay in full: Many insurance companies offer discounts for drivers who pay their premium in full.
Frequently asked questions
What is the best car insurance in Arizona?
The best car insurance company in Arizona is different for every driver. Some people are looking for the best customer service, some are looking for the lowest rates and others are looking for specific coverages. One of the best ways to find the right car insurance company for you is to shop around and compare providers based on your personal needs.
What is the average cost of car insurance in the U.S.?
The average cost of car insurance in the United States is $1,674 per year for a full coverage policy and $565 per year for a minimum coverage policy. The national average rate is slightly more expensive than Arizona’s statewide average rate of $1,547 per year for full coverage and $555 per year for minimum coverage.
What factors impact my car insurance rate?
Car insurance rates vary for every driver. Drivers in Arizona may pay more or less than the statewide average based on factors like age, gender, credit score, ZIP code, claims history and driving record, among others. Your vehicle’s year, make, model and annual mileage can also have an impact on car insurance rates.
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 clean 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.