There are just under 5 million licensed drivers in Arizona, and every driver is required to carry car insurance. Compared to the nationwide average, car insurance in Arizona is more affordable. The average full coverage premium costs $1,587 and the average minimum coverage premium costs $502 annually.
However, not all insurance companies are created equal. If you are looking for the cheapest car insurance in Arizona, some insurance providers are better than others. Keep reading to see which companies offer the cheapest auto insurance in Arizona.
The cheapest car insurance in Arizona
Arizona drivers can get affordable auto insurance from a few different providers. The table below includes the cheapest options in Arizona from the most popular companies in the country.
|Car Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|CSAA Insurance Group||$344||$1,331|
Geico is a great choice for drivers who are looking for cheap car insurance in Arizona. The average annual full coverage premium is $892 and the average minimum coverage premium is $259. In addition to low premiums, Geico customers can save money by taking advantage of 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 $1,288 and the average minimum coverage premium is $286. In addition to affordable rates, Mercury has great customer service and good coverage options. Arizona drivers can also take advantage of discounts for having an anti-theft system, paying your premium in full, being a good driver, being a good student, signing up for autopay and enrolling in Mercury’s safe driver discount program, RealDrive®.
CSAA Insurance Group
CSAA Insurance Group is a division of AAA insurance. In Arizona, the average annual full coverage premium is $1,331 and the average minimum coverage premium is $344. The company offers good coverage and a variety of discounts, including special savings for AAA members. Customers can save money on their policy by signing up for autopay, paying their premium in full, being a loyal customer, being a good student and bundling a home and auto insurance policy.
Auto insurance from The Hartford is only available for AARP members who are 50 and older. However, Arizona drivers who are eligible can get cheap car insurance. The average annual full coverage premium is $1,193 and the average minimum coverage premium is $374. The Hartford customers can save even more money by taking advantage of discounts. Drivers can save money by having vehicle safety features, being a good student, taking a driver training course, paying in full and more.
USAA only sells insurance to active duty military members and veterans. But Arizona drivers who qualify for USAA can get affordable coverage, good customer service and great discounts. The average annual full coverage premium from USAA is $1,314 and the average minimum coverage premium is $386. Drivers can access discounts for garaging their vehicle on a military base, taking a driver training course, being a good student, insuring a new vehicle and having a family member who has a USAA policy.
Affordable coverage for Arizona drivers
Arizona drivers are required to carry 25/50/15 car insurance coverage. That includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $15,000 in property damage liability coverage per accident.
Choosing liability-only coverage will keep your insurance premium low, but it is not recommended as a way to get cheap insurance. There is no guarantee that minimum coverage insurance will cover the full cost of a car accident. Additionally, minimum coverage insurance does not offer any protection for your own vehicle.
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 alternative 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 good coverage, 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 the best way to find out if you are getting the lowest price.
- 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 most states look at your credit score to calculate your rate. Raising your credit score, even by several points, can lower your insurance premium.
- Increase your deductible: Increasing your deductible will lower your monthly payments. However, make sure you can afford to pay a higher deductible if you choose this option.
- Pay in full: Most insurance companies offer discounts for drivers who pay their premium upfront and in full. The actual savings percentage will vary between insurance companies.
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. The only way to find the best 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 $1,738 for a full coverage policy. The national average rate is slightly more expensive than Arizona’s statewide average rate of $1,587.
What factors impact my car insurance rate?
Car insurance rates are not one-size-fits-all. Drivers in Arizona might pay more or less than the statewide average based on personal factors like age, credit score, ZIP code, marital status, claims history and driving record. The vehicle’s make, model, year and mileage can also have a big 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 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.