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Cheap Auto Insurance in Arizona
Joanna Johnson
Car Insurance Expert
Updated: 01/2020
Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
Getting auto insurance in Arizona is mandatory if you want to drive, but finding the right insurance company isn’t always easy. Some companies try to sell expensive, overpriced policies that many people simply can’t afford. However, it doesn’t have to be that way. There are plenty of companies in Arizona who provide auto insurance at reasonable rates. The key is simply knowing how to look for the best rate possible. Whether you live in Tucson, Phoenix, or any other city, you can find great deals on car insurance with the right information.
Auto Insurance Statistics in Arizona
Car insurance premiums in Arizona have reached a plateau above the national average for several years. Data from the NAIC.org shows that Arizona’s premiums were about the same as the national average towards the end of 2012 and 2013.
Average Car Insurance Premiums Arizona State Vs. National
Source: NAIC.org
Drunk Driving Fatalities
Arizona drunk driving has remained below the national average for many years. Drunk driving is one of the main reasons to carry the proper car insurance while driving. Below are the statistics that show how Arizona compares with other states nationwide.
Drunk driving fatalities in Arizona from 2013 to 2017
Source: www.NHTSA.gov
Teen Drinking and Driving
Drinking and driving are some of the most dangerous combinations that take place on the road. In Arizona, teens tend to drink and drive more than in other locations across the country. The Center For Disease Control shows Arizona at a rate of 26 percent while the national average is at 24 percent for teen drinking and driving.
Teen Drinking & Driving in Arizona vs. Nationwide (2017)
Source: www.NHTSA.gov
SR-22 Insurance in Arizona
In the state of Arizona, you will be required to prove SR-22 to reinstate your license if you’ve committed an offence, such as a DUI, driving without insurance, unpaid tickets, or several other infractions. The SR-22 proves to Arizona’s DMV that you have insurance that covers basic costs.
In Arizona, the state often asks drivers to deposit $40,000 if they want to reinstate their license when they’re eligible to being driving. You can avoid this deposit if you purchase SR-22 insurance. For those who do not own a car, you can purchase ‘non owners’ insurance — this is typically cheaper than the SR-22 insurance you would have to purchase if you owned a vehicle.
Car Theft in Arizona
By learning about the level of car theft in Arizona, you can best prepare yourself to have the right type of coverage in place. Liability coverage won’t protect you in the event of auto theft, however, comprehensive coverage will help if you have been the victim of auto theft in the state of Arizona. Below is data showing how the state ranks in auto theft in comparison to the rest of the nation.
Vehicle thefts by rank nationwide vs. Arizona
Source: www.FBI.gov
Uninsured Motorists in Arizona
Many people wonder about the necessity of getting uninsured and underinsured coverage. However, if you are injured or your property is damaged by a driver without insurance, this could save you thousands. The data below gives you an idea of the percentage of uninsured motorists in the state of Arizona.
Percentage of uninsured drivers (2015)
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Phoenix, AZ
- Farmers
- Ameriprise
- State Farm
- Arizona Farm Bureau
- Titan
Farmers and Ameriprise actually ended up tied with the two cheapest average rates, each one at $507 annually. For a comparison, the average rate of insurance for Phoenix overall is $728 per year. Perhaps unsurprisingly, it is one of the most expensive places in the state to get your vehicle insured, with only Glendale being more expensive.
Tucson, AZ
- Auto-Owners
- Farmers
- Ameriprise
- State Farm
- Arizona Farm Bureau
Although Tucson is the second biggest city in Arizona, auto insurance there is actually quite inexpensive. In fact, it’s the third cheapest city in the state to get auto insurance, with only Surprise and Chandler offering better bargains. Auto Owners customers pay an average of only $348 yearly, a substantial discount on the city’s already reasonable average of $599 per year.
Mesa, AZ
- Auto-Owners
- Ameriprise
- State Farm
- Farmers
- Titan
The rates for auto insurance in Mesa fall right in line with the overall average for the state, with most people getting insured for about $628 per year. However, people who opt for one of these companies can find cheaper deals, with Auto-Owners giving the most affordable insurance in this city at only $408 per year on average.
Chandler, AZ
- Auto-Owners
- Farmers
- Ameriprise
- State Farm
- California Casualty
Chandler, one of the major suburbs of Phoenix, features some of the cheapest auto insurance rates in Arizona. Residents here pay an annual average of $588 for their insurance. Interestingly, the cheapest car insurance companies don’t offer quite the same level of discount here as in Mesa.
For example, Auto-Owners, the cheapest insurance company in Chandler, offers average rates of $459 per year. Meanwhile, the same company offers rates of only $408 per year in Mesa, despite the average overall cost of insurance being higher in Mesa. Even so, you can’t still save a decent amount in Chandler by using the companies with the lowest rates.
Glendale, AZ
- Ameriprise
- State Farm
- Farmers
- Auto-Owners
- California-Casualty
Glendale is the fifth largest city in Arizona. It’s a beautiful location, but the auto insurance rates here are the highest in the state. The average resident of Glendale pays $735 per year to have their vehicle insured. The above companies offer significant savings potential, with Ameriprise being the cheapest at an average of $546 per year.
Types of Auto Insurance Coverage in Arizona:
- Bodily Injury Liability Insurance
- Comprehensive Insurance Coverage
- Property Damage Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
Minimum Requirements For Car Insurance in Arizona
According to The Department of Transportation in Arizona, all registered motorists are required to have coverage of at least liability insurance.
Arizona Liability Coverage Minimums Include:
- $10,000 for property-damage liability coverage
- $15,000 for bodily injury involving a single person
- $30,000 for bodily injury involving two or more people
Source: Department of Transportation
New Driver Licensing in Arizona
Arizona mandates that all drivers need to be fully licensed in order to drive a car legally. To obtain a driver’s license in the state of Arizona, motorists must take a vision test, written test, and a road test and pass them in order to be issued a driver license.
Source: Arizona Motor Vehicle Division (MVD
Cheap Auto Insurance Discounts
We aim to provide the most helpful information about how a driver in the state of Arizona can save on the cost of car insurance premiums each year. If you are looking for new and less known about methods of saving, then we can help you get car insurance online at a discount. Below is a list of some of the most common types of auto insurance discounts that people can take advantage of.
- Mature driver discount
- Multi-car auto insurance discount
- Military or Veteran discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Bundling insurance policies discount
- Anti-theft discount
- Infrequent usage discount
- Low-mileage discount
FAQ
As rules differ from state to state, it’s important that you know everything there is to know about car insurance before getting one. All your questions about getting an auto insurance in Arizona have been grouped into several categories.
General Information on Arizona Auto Insurance
In this section, your most basic questions about getting an insurance are answered.
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What year did it become mandatory to have car insurance in Arizona?
For most states including Arizona, it has been mandatory to get an auto insurance since 1927.
Who needs commercial auto insurance in Arizona?
Commercial auto insurance is required for businesses and other organizations that use cars for the conduct of the business. So, if you’re using your vehicle for personal use, there’s no need for this.
What are the minimum requirements for car insurance in Arizona?
Arizona requires that the following requirements be met for your car insurance:
- Bodily Injury Liability Coverage: Minimum $15,000 per person / $30,000 per accident
- Property Damage Liability Coverage: Minimum $10,000
- Uninsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident
- Underinsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident
How old do you have to be in Arizona to have car insurance?
As soon as you get your license. If you’re a minor, parents can also cover you under their policy.
What is the best car insurance for Arizona?
What is the best cheap car insurance in Arizona?
There’s no one best cheap insurance for you. Some companies favor younger drivers or are more lenient with those with DUI records, so it all depends on your situation. There are also discounts such as car insurance for seniors or multi car discounts.
How does a licensed driver without a car get insurance Arizona?
How much is full coverage motorcycle insurance?
Full motorcycle insurance generally costs between $100 and $500 per year, depending on your bike and other factors. Take a look at the best motorcycle insurance companies we recently reviewed.
The Arizona State and Car Insurance
In this section, you’ll see the involvement of different local agencies in relation to auto insurance as well as the existing rules on the matter.
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How long do I have to switch insurance to new car in Arizona?
Upon registration of your new car, you have 30 days to successfully switch your insurance. Compare auto insurance quotes to get the cheapest rates. Some companies even offer one day car insurance coverage for situations like these.
What agency in Arizona regulates auto insurance?
In Arizona, if you can't put insurance on a car because you don't have a license, what do you do?
You ask someone who has a license to purchase auto insurance for you as a driver’s license is considered a prerequisite to the insurance. However there may be scenarios wherein auto insurance with no license is a concern when no one else can insure the car either.
How do I let Arizona DMV know that you have AZ car insurance?
Should there be any changes to your car insurance policy, you need to update it by providing the necessary information through this link.
How can I find ADOT numbers for auto insurance companies?
You can only find the ADOT number for your auto insurance provider, not for each company serving your area, which should be listed on your ID CARD.
How long does it take to get insurance on new car Arizona?
It is nearly instantaneous. Because there’s no need to inspect your vehicle, the process is cut much shorter. Some people like to get short term car insurance until they have time to shop around for a cheaper long term policy on a car.
After buying a car, how long do you get to obtain insurance in Arizona?
You’ll have a 30-day grace period to inform your insurance provider about your new vehicle. If you’ve never gotten car insurance before, you have this long to get one and if you buy car insurance online the process is fairly simple. You might be interested in seeing the cheapest cars to insure.
What happens if you have 2-day lapse in auto insurance coverage in Arizona?
Unless forgiven as grace period, a two-day lapse will automatically cancel your car insurance. This means reinstating it as well as incurring fines.
What is the penalty for car insurance lapse in Arizona?
Aside from paying a license reinstatement fee of $50, you’ll also see a significant increase on your monthly rates.
What department in Arizona administers auto insurance rates?
The Department of Insurance keeps insurance companies in line, ensuring that the rates they impose are what is considered fair and equitable.
How do I check to see if someone has car insurance in Arizona?
To request insurance verification, you need to accurately provide your AZ registration document, customer/AZ driver license number, and mailing ZIP code. These may not be easy to acquire from other people. Also they may have non owner car insurance which means they’re not linked to a specific car.
How many times can I be late on car insurance in Arizona?
There’s no set limit. But remember, there will always be fees and your car insurance provider may choose to terminate your coverage if you’re always late.
What is the fine for driving without car insurance in Arizona?
You will be charged a minimum of $500 (for the first offense) and your plate and registration will be taken and suspended.
Pricing and Other Related Matters
Below are your questions related to the cost of insurance as well as the effects of different circumstances to it.
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How much is car insurance in Arizona?
Aside from your behavior and record, prices vary in different places in the state. In Phoenix, you can expect it to be around $1,300 a year, but it may be lower in other cities. Search for ways you can cut costs such as military car insurance specials or safe driver discounts.
Who has the cheapest car insurance in Arizona?
GEICO is generally said to be the cheapest, but this may not hold true for the entire state. Make sure to ask for quotes from different companies before committing to any one of them. Related: What is the cheapest car insurance?
Why is Arizona car insurance so expensive?
Car insurance is expensive. But if we’re talking about sheer numbers here, Arizona is actually pretty cheap compared to the rest of the US.
How does Arizona auto insurance compare to Texas?
Texas is way more expensive than Arizona in terms of car insurance, with the former averaging at $1,589. This is why its important to compare car insurance when determining the cost of living of different locations. If you’re talking about SR22 insurance Texas policies then this could vary greatly depending on your unique situation.
What car insurance is more expensive, Arizona or Minnesota?
Minnesota ranks even higher than Texas on the list, commanding yearly rates of $1,614. We help you find the most affordable auto insurance by showing you rates of different companies side by side.
What is the Arizona car insurance average?
Assuming good credit and record, the average annual car insurance cost in the state is $1,227. Learn more about average car insurance cost in other states compared to Arizona.
How much does a DUI increase your car insurance in Arizona?
On average, a DUI will increase your annual auto insurance by $1,634. Even for your first offense, it will affect your premiums for three years. Shop around for DUI insurance coverage to find the best rates. Specifically you made need to get multiple SR22 insurance quotes to get the lowest rate.
Which auto insurance has the lowest rates for teen drivers in Arizona?
For Arizona, most reviews listed Ameriprise, Progressive, and Allied as the least expensive for teen drivers. But as always, the only way to know for sure is to get as many quotes as you can. You may even be able to find car insurance first month free offers.
How does Arizona rank with auto insurance?
How do Arizona auto insurance companies set their rates?
A lot of factors are taken into account in determining your rate such as credit score, age, location, gender, civil status, existing violations and sanctions, vehicles, and many more. You’ll want to compare auto insurance rates from various companies to get the best rate. Check out the State Farm vs Allstate review as well.
Which Arizona car insurance companies accept driver’s ed discount?
It’s not the first thing companies advertise so you’ll have to look at the endorsements or driver’s ed schools. Usually, they’re partnered up with an insurance company. You may want to compare a Safe Auto Insurance and Mercury car insurance quote and see if they offer the discount.
How does Arizona car insurance costs compare to California?
On average Arizona is $349 less expensive annually than California. However there are a number of factors at play here including the type of insurance you may be talking about. For example, SR22 insurance California policies may different too much from Arizona to make sense comparing.
Which state has cheaper insurance, Arizona or Colorado?
Arizona is cheaper than Colorado for the typical insurance policy. However if you’re talking about a sr22 insurance Colorado policy then it may be different but difficult to know with so many variables.
Auto Insurance Coverage and Companies
What does it mean to get an auto insurance? Discover the benefits entailed with your insurance, along with your questions on some insurance companies in the state.
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What is full coverage auto insurance in Arizona?
There’s no such thing as “full coverage.” However, a combination of the minimum state coverage requirements, comprehensive coverage, and collision coverage are considered “full.”
Which Arizona auto insurance policies cover towing?
All of them do. However, it’s not covered in the basic insurance – you’ll have to get roadside assistance.
What is emergency road service coverage, and why do you need it for Arizona auto insurance?
Essentially, it is assistance guaranteed to you by an insurance company should you experience hassles that resulting to you needing to go to the road side such as flat tire, towing, fuel delivery, and the likes.
What are the names of insurance companies that sell auto liability insurance in Arizona?
There is no need to get their names as all legitimate insurance companies offer this as part of the minimum coverage requirement by the state. For collector car insurance take a look at the other list we’ve put together.
How do I add another driver to my AAA car insurance in Arizona?
Simply fill out this form and wait for their email. Take not though that adding an inexperienced driver may raise your rates with AAA Auto Insurance.
What does third party auto insurance cover in Arizona?
How much is GEICO auto insurance in Douglas, Arizona?
On average, you can expect it to be around $1,200. Good thing there are cheaper options such as Freedom National and Auto Owners. We recently reviewed whether its best to go with Geico or Progressive.
Dealing With Accidents
Should the worst happen, what should you do? This section should help you with that.
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What happens when insurance totals your car Arizona?
Instead of getting your car repaired, you will get the monetary value of your car before the accident. The insurance adjuster will determine this rate, but of course, you have the right to haggle it.
What happens in court if I got in a car accident without insurance in the state of Arizona?
You will be sued for whatever damage you caused to the other party. Also, you’ll get a judgement which you’ll have to pay to reinstate your license and registration.
How long does a company have to settle my rental car insurance claim in Arizona?
After filing a claim, someone should get a hold of you within three days.
How long does an insurance have to pay claim after car is total loss in Arizona?
The insurance company has 30 days to process your claim, after which should immediately result to the payment.
When in a car accident in Arizona which insurance company do I call?
If the other party is at fault, you should contact their insurance company as they should shoulder the costs, given that Arizona is a “fault state.”
In Arizona, can an insurance company dictate how long it takes to fix a car?
There is no set deadline. However, if you feel that they’re delaying the repairs on purpose, you can contact the repair shop as well as the insurance company in writing entailing your grievances and requests. At the very least, they’d respond with a set deadline for everything.
Other FAQ on Auto Insurance in Arizona
There are questions that you want answered just-for-the-sake, so we did. These involve getting insurance as a non-resident or as a new resident, cancelling your policy, and other things.
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What happens if you cancel your insurance on a car that is no longer driven in the state of Arizona?
Nothing. However, if you plan on driving it again in the future, it might be a better idea to put your insurance on hold instead of cancelling it altogether.
How do I switch car insurance and license in Arizona?
Unless you’re actually moving in the state, you don’t have to get a license. For your insurance, you simply need to update your information such as new mailing address to reflect your new Arizona residence.
How often do car insurance claims go to court in Arizona?
Unfortunately, there is no data on this. Most of the time, it’s a class action suit against an insurance company.
What auto insurance is required in Arizona for non-residents?
The same as anyone’s. The process is identical to that of residents as Arizona is one of the states that do not require you to be licensed in the state to get an insurance.
Top Cities in Arizona
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