Arizona Auto Insurance (2023)

With over seven million residents, the demand for the cheapest car insurance in Arizona has never been higher.

Although the state sees its share of monsoon rains, dust storms, and snow, Arizona is known for its sunny weather and easy-to-navigate grid street plans in most cities. You might expect a state with such nice weather to have lower rates, but Arizona insurance prices are about average.

Interested in finding the lowest insurance rates in the Grand Canyon State? From state minimum requirements for car insurance in Arizona to full coverage with add-ons, you can find the best rates for your insurance needs by comparing the cheapest Arizonan companies.

How much does car insurance cost in Arizona?

The amount you pay for insurance depends on a variety of factors. These include your age, marital status, gender, credit score, driving history, and the type of car you drive. One of the most important factors is where you live.

Arizona car insurance rates are generally slightly below average, though quotes for young drivers tend to be much higher. Young drivers should look at these three companies with the cheapest teen auto insurance.

Arizona residents looking for cheap insurance will see different rates depending on their unique situations. However, you can get an idea of where to start by looking at companies that offer the cheapest Arizona insurance.

Minimum Car Insurance Rates in Arizona

Like most states, Arizona law requires drivers to carry insurance before they can legally drive. Required insurance minimums include the following:

• Bodily injury – $25,000 per person
• Bodily injury – $50,000 per accident
• Property damage – $15,000 per accident

Meeting the minimum requirement is your cheapest option for insurance in Arizona. While your specific rates will vary, you can get an idea of how much the minimum insurance is in Arizona below.

The Cheapest Car Insurance Companies for Minimum Liability in Arizona

Geico, USAA, and Travelers offer some of the lowest rates for minimum coverage and are some of the best insurance companies in Arizona.

Although minimum coverage is your cheapest option, you should keep in mind that you’ll have more out-of-pocket expenses if your car is ever damaged. It’s also risky to get the state minimum coverage because Arizona’s limits are low, and you could easily do more damage than your policy covers.

Full Coverage Insurance Rates in Arizona

The only coverage listed in Arizona’s car insurance requirements is liability. Everything else is optional, including comprehensive, collision, uninsured motorist, medical payments, rental car reimbursement, and roadside assistance. Full coverage refers to a policy that includes all these optional insurances plus liability.

Full coverage auto insurance gives your car much more substantial protection on the road. You’ll pay more than you would for minimum insurance, but Arizona generally has affordable rates.

The Cheapest Car Insurance Companies for Full Coverage in Arizona

As with minimum insurance, Travelers, Geico, and USAA are the three cheapest auto insurance companies in Arizona. However, most Arizonans will benefit from only Travelers or Geico — USAA has strict requirements for membership.

While full coverage will protect your car, you can add additional coverages to increase the value of your policy. These are some of the most common add-ons in Arizona:

• Rental car reimbursement
• Auto insurance for custom vehicles
• Mechanical breakdown insurance
• Roadside assistance
• GAP insurance or loan-lease payoff

While these add-ons offer valuable coverage, they’ll also increase the amount you pay for your insurance.

Arizona Car Insurance Rates by Credit Score

It might come as a surprise, but your credit score plays a crucial role in determining how much you’ll pay for your insurance.

In Arizona, drivers with poor credit can pay nearly 60% more for insurance than those with excellent scores. Take a look below to see what the average Arizonan pays based on their credit score.

Geico and Travelers are once again solid options for Arizona drivers, but Progressive and Nationwide also offer low rates. If your credit score is low, you should compare rates with at least these four companies.

While you’ll pay more for insurance when you have a low credit score, the good news is that you’re not stuck with those rates forever. Raising your credit score will lower your rates, but you can also check out the best auto insurance companies that don’t check credit in the meantime.

Arizona Car Insurance Rates After At-Fault Accidents

Car accidents can ruin your day, whether it’s a minor fender bender or something more serious. To add to the headache, an at-fault accident can raise your insurance rates by as much as 50%.

The table below will provide you an idea of how much your insurance might increase after an at-fault accident in Arizona.

Although Arizonans aren’t punished quite as hard as people in other states, you’ll still pay much more. For example, there’s more than a $400 difference between full coverage rates for drivers with and without an at-fault accident with Travelers.

Like low credit scores, an at-fault accident won’t affect your insurance rates forever. If you keep your driving record clean, your rates will start to lower after three years. However, if you continue to cause accidents, you might have to find high-risk auto insurance.

Arizona Car Insurance Rates After a DUI

Arizona is proud of its reputation for being the toughest state on DUIs. Arizona splits DUI offenses into three categories:

• DUI. First-time DUI offenders will receive at least 10 days in jail, a fine of at least $1,250, mandatory alcohol education, a certified ignition lock in their car, and community service.
• Extreme DUI. For cases of a blood alcohol concentration of 0.15 or higher, first-time offenders get at least 30 days in jail, a fine of at least $2,500, mandatory alcohol education, an ignition lock, and community service.
• Aggravated DUI. Drivers get an aggravated DUI if they are driving on a suspended license, there is a minor under 15 in the car, or it’s their third DUI in 84 months. Aggravated DUIs come with a maximum sentence of two years in prison and license suspension for one year.

If you’re convicted of a DUI, it’s vital that you compare insurance rates. For example, Geico is usually one of the cheapest insurers in the state, but Geico rates after a DUI are more than 200% above the state average.

Progressive and Travelers are probably your best bet for insurance after a DUI. You can also check out these other best auto insurance companies for drivers who have a DUI. Unfortunately, DUIs in Arizona will affect your insurance for much longer than an at-fault accident. Most DUIs stay on your record for about seven years.

Auto Insurance Rates Based on Age and Gender in AZ

One of the most critical aspects of the cost of your Arizona insurance is your age. Insurance companies are wary of young drivers under 25 because they are statistically more likely to drive recklessly and get in accidents.

Although Arizona auto insurance is typically slightly below the national average, companies aren’t as kind to Arizonan youths. Another factor to consider is your gender. Auto insurance rates are typically higher for males. See the table below for how much you might pay based on age.

It may be difficult to find cheap rates for teens buying auto insurance in Arizona, but rates drop the older you get.

High school and college students should look for car insurance discounts to maximize their savings and get their prices as low as possible.

Arizona Car Insurance Rates by City

The amount you pay for your Arizona auto insurance greatly depends on where you live. Car insurance companies keep careful track of claims numbers by ZIP codes, meaning you’ll pay more or less depending on your city.

It’s no surprise that auto insurance in Phoenix and the surrounding cities of Glendale and Laveen have some of the highest rates. With heavy traffic on the I-10 and South Mountain Freeway, more traffic-related deaths than the national average, and above-average car theft, Phoenix drivers have plenty to be wary of.

However, other popular cities like Chandler, Gilbert, Tucson, and Maricopa have reasonable rates. Despite dangerous winter driving situations, Flagstaff offers some of the cheapest insurance in Arizona.

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What are Arizona’s car insurance laws?

You already know how much liability insurance Arizona requires drivers to carry, but what about other insurance laws?

Do you need proof of insurance to buy a car? Arizona requires drivers to have proof of insurance before they can register a car. You must provide proof of insurance to law enforcement as requested, and Arizona has some of the strictest laws about driving without coverage.

If you can’t show proof of insurance to law enforcement, you’ll receive a citation. For drivers who have insurance but couldn’t prove it at the time, you simply need to submit proof that you have coverage, and the charge will be dropped. Driving without insurance in Arizona comes with the following consequences:

• First offense. You’ll likely receive a fine of $500, plus you might lose your license for three months and have to carry SR-22 insurance for two years.
• Second offense. Your fine will be $750, you’ll face a six-month suspension, and you’ll need SR-22 insurance for two years.
• Third and subsequent offenses. Every time you’re caught without insurance after the second offense, you’ll get a fine of $1,000, a potential 12-month suspension, and an SR-22 insurance requirement for two years.

Despite these hefty consequences, the Insurance Information Institute (III) ranks Arizona as number 24 for uninsured drivers.

While it can be tempting to drive without coverage, you should try to find cheap insurance first. Getting the minimum amount of insurance you need in Arizona can save you from hefty fines, the loss of your license, and having to file SR-22 insurance.

Does Arizona require SR-22 insurance?

The Arizona MVD requires SR-22 insurance after DUI convictions, driving without insurance, driving with a suspended license, or when you’ve accumulated too many points on your license. SR-22 isn’t technically insurance — instead, it’s a form your insurance company files with the MVD.

An SR-22 form is proof from your insurance company that you carry at least the minimum requirement for insurance. The fee for filing an SR-22 form is usually low, but your insurance rates will be much higher.

How do you get SR-22 insurance in Arizona?

Drivers who already have insurance will have the easiest time getting an SR-22 form filed. All you need to do is contact an insurance representative and request that they file one for you. You’ll have to pay a small fee, and your rates will likely go up, but it will make sure you’re legal to drive again.

If your insurance company won’t file an SR-22 or you don’t have insurance, you’ll need to include a request when you get a quote. Some companies will outright refuse you, but finding help with SR-22 insurance is usually easy.

Getting SR-22 insurance when you don’t have a car makes things slightly more complicated. If you need your license back, you can purchase nonowner insurance before you file an SR-22 request. Nonowner insurance is usually cheaper than a standard policy, and it allows you to occasionally drive someone else’s car.

Find the Best Arizona Car Insurance Today

Along with warm weather and natural desert beauty, low auto insurance quotes in Arizona add to the state’s charm. Although an area like Phoenix has higher rates, most Arizonans pay slightly less than the national average. Auto insurance in Glendale, AZ is also slightly higher than in other areas in the state.

Finding cheap car insurance in Arizona isn’t usually a struggle, especially when you know which companies offer the best prices. While Geico, Travelers, and USAA offer affordable rates for Arizona drivers, you should compare quotes with other companies.

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