From Phoenix to Flagstaff, the long roadways of Arizona have over two million registered vehicles.
With all those cars on the road, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Compare the cheapest and best quotes in Arizona here.
Cheapest Car Insurance in Arizona
Here are the cheapest insurance companies in Arizona for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates the twenty most populous in Arizona.
Best Car Insurance in Arizona
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Arizona. For the complete list, see Insurify’s best car insurance companies.
|Insurance Company||Composite Score||Quotes|
Most Popular Car Insurance Companies in Arizona
According to the Insurance Information Institute (III), these are the most popular car insurance companies in Arizona by market share:
Cheapest Car Insurance Quotes in Arizona by City
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Arizona to find you the cheapest quotes in each of these metropolitan areas.
Arizona‘s most populous city, Phoenix—home to over 1.6 million people and a massive commuting workforce—is among the most traffic-laden cities in the country.
Cheapest Car Insurance Quotes in Arizona by Profile
Here are the cheapest insurance companies in Arizona based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will almost always offer Arizona residents the cheapest auto insurance options, but members must be retired or current personnel of the U.S. military.
Cheap Car Insurance for Good Drivers
For Arizona drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Arizona, at $42 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Arizona, including those with one or more traffic violations, may have to pay more on their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. CSAA offers the best deal for drivers with a DUI at $53/month. For drivers with at-fault accidents on their driving record or a history of speeding, Auto Owners Insurance Corp. provides the best option at $29/ month.
Cheap Car Insurance for Drivers with DUI in Arizona
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Here are the best rates we could find for Arizona drivers with a DUI:
|Auto Owners Insurance Corp||$61/month|
Cheap Car Insurance for Drivers with an At-Fault Accident in Arizona
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness, you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
|Auto Owners Insurance Corp||$29/month|
Cheap Car Insurance for Speeding Drivers in Arizona
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game.
The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Arizona, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO Insurance offers the cheapest car insurance rates for young drivers, averaging $28 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Cheap Car Insurance for Foreign Drivers
To legally drive in Arizona as a non-U.S. citizen, you’ll need to check to make sure you have a few necessary items.
First and foremost, foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.
In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Arizona. For long-term driving in the States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options that are personalized to you, use Insurify to compare quotes.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Arizona if you have a poor credit score.
Arizona car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can hold your poor credit score against you.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Arizona, car insurance premiums fluctuate based on many factors, not just credit score. Good credit can save you a whole lot of cash in the long run.
Car Insurance Coverage for Undocumented Immigrants in Arizona
The city of Phoenix alone is home to an estimated two hundred thousand undocumented immigrants. Unfortunately, the state of Arizona will not issue a driver’s license to an individual without proper documentation. Without a driver’s license, car insurance cannot be properly obtained. Most will have to find an insurance company that will allow them to enroll without one, which will likely result in a significant price increase.
Arizona Auto Insurance Laws
State Minimum Car Insurance Coverage in Arizona
All motor vehicles operated or parked on Arizona roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Arizona are as follows:
- $15,000 per person/$30,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Arizona state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Arizona law.
- $10,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Arizona is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Uninsured and underinsured motorist coverage are optional add-ons for drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered.
Uninsured/underinsured motorist coverage is recommended in the state of Arizona through the forms of:
Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.
Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.
Funeral Benefits can be used to reimburse a family for funeral service costs up to $25,000.
Am I liable if I cause a car accident in Arizona?
Arizona abides by a no-fault auto insurance system. Damages claimed by individuals are generally covered by their own coverage, regardless of fault.
Since Arizona is not a no-fault state, damages after a car accident may be split. Arizona is also a state of comparative negligence, meaning the amount of damages you are able to collect after an accident may be reduced by your percentage of fault. By adding Personal Injury Protection (PIP) to your policy, Arizona drivers can be covered in an accident even if they are found to be at fault.
Distracted Driving in Arizona
Using wireless devices while operating a motor vehicle is illegal throughout Arizona.
Arizona has banned all non-hands-free use of electronic devices. Drivers risk fines of $149 for the first offense and $250 for subsequent offenses, plus other repercussions and demerits.
SR-22 Insurance in Arizona
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Arizona on your behalf. Arizona‘s state licensing authority will inform drivers if they might require SR-22 insurance. If you’ve been convicted of a DUI, DWI, moving violation, or other serious offense, you may be required to file for an SR-22.
In Arizona, many insurance companies offer to file an SR-22 on your behalf, including Acceptance, Ameriprise, Anchor, Assurance America, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, Gainsco, GEICO, Good2Go, Hallmark, Legacy, Mendota, Mercury, National General, Pekin, Progressive, SafeAuto, Safeco, Safeway, State Auto, Stillwater, The General, Titan, United Auto, and Victoria.
It Pays to Go Green in Arizona
The state of Arizona offers many green driver incentives, test exemptions, tax incentives, and insurance discounts.
Federal tax discounts and credits may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, and alternative fuel vehicles. Special HOV lane access and parking privileges are also available to green drivers.
If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.
Arizona Auto Insurance FAQs
How can I insure my classic car in Arizona?
Classic cars can be insured through special agencies that specialize in antique or rare vehicles. That 1969 Camaro deserves an extra special auto insurance policy. Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. Auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.
What happens if I get caught driving uninsured in Arizona?
You should never drive a vehicle if uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability insurance in Arizona may result in a $4,500 fine, and/or a misdemeanor charge. Plus, you’re driver's license or driving privileges may be suspended if you do not meet the minimum requirements mandated by state law and will be required to apply for SR-22 insurance.
Who has the cheapest car insurance in Arizona?
The best way to get the cheapest car insurance in Arizona and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Arizona MVD Information
The Arizona State Department of Transportation Motor Vehicle Division has outposts all around the state.
At the MVD, Arizona residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. To save time, the MVD allows individuals to make appointments ahead of their visit. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours.
Regardless of where you live in the Copper State, a DOL shouldn’t be too far. Arizona residents may be able to skip their visit to the DOL altogether and get what they need through their online portal.
Arizona drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Flagstaff to Phoenix Arizonian drivers deserve to find the cheapest car insurance available.
Compare Arizona car insurance companies today on Insurify.