Cheapest Car Insurance In Arizona For April, 2024

Looking for affordable car insurance in Arizona? You’re in luck! Geico is one of the best insurance providers in terms of affordability.

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Bob Phillips
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Finding the cheapest car insurance in Arizona doesn’t have to be a hassle. With a plethora of insurance providers offering competitive rates, you can easily secure coverage that fits your budget while meeting your needs. Whether you’re a new driver or a seasoned one, our guide will help you navigate the options and find the best deals on car insurance in Arizona.

Having a decade of experience in the insurance market, I’ve carefully compiled my findings to help simplify the process of finding the cheapest car insurance in Arizona for you. I’ve closely studied the top insurance companies in the market, and will discuss the important information that you may need before choosing the best car insurance in Arizona.

Get ready to hit the road with confidence, knowing you’re covered without breaking the bank.

Cheapest Car Insurance Companies In Arizona, 2024

Our Methodology

I've looked closely at different car insurance companies in Arizona, considering things like how they treat customers, the types of insurance they sell, their prices, and what people think of their service. I've been working as an insurance agent in Arizona for more than 15 years, so I have a lot of experience. I've talked to people from many different companies and learned a lot from buying car insurance myself in Arizona.

65

Quotes Assessed

35+

Hours Of Research

15+

Years Of Industry Expertise

22

Brands Reviews

Cheapest Car Insurance Companies In Arizona

Cheapest Car Insurance In Arizona For Minimum Coverage: Travelers

Minimum coverage car insurance typically includes two main components: Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers medical expenses and lost wages for you and your passengers, regardless of who caused the accident. However, unlike many other states, PIP is not required in Arizona.

Instead, drivers must carry a minimum amount of liability insurance, including $25,000 per person and $50,000 per accident for bodily injury liability, and $15,000 for property damage liability. This serves as an alternative to PIP and ensures that drivers have coverage for medical expenses and property damage caused to others in an accident.

It’s important to keep in mind that choosing minimum coverage has its limitations, especially in severe or complex accidents. While it ensures compliance with state regulations and provides a basic level of protection, it falls short in various scenarios covered by more comprehensive insurance plans.

For example, it excludes collision or comprehensive coverage, leaving your vehicle vulnerable to damages in accidents or events like theft and natural disasters. Therefore, drivers should assess their individual circumstances, determine their risk tolerance, and consider additional coverage options beyond the state’s minimum requirements for adequate protection on the road.

Provider Average Monthly Cost Average Annual Cost
Travelers $37 $446
Geico $39 $471
USAA $40 $475
Mercury $43 $517
Progressive $49 $588

Cheapest Car Insurance In Arizona For Full Coverage: Geico

Full coverage car insurance in Arizona offers comprehensive protection, including liability, collision, and comprehensive coverage. Opting for full coverage provides added security by covering damages to your vehicle, regardless of fault, and protecting against theft, vandalism, and natural disasters. Additionally, it offers peace of mind knowing that you’re adequately covered in various situations, reducing financial risks and potential out-of-pocket expenses in the event of an accident or unforeseen event.

Equipping your policy with both comprehensive and collision coverage offers comprehensive protection, safeguarding drivers against accidents and unexpected environmental hazards. This type of coverage is particularly beneficial for owners of newer or high-value vehicles, as it provides extensive coverage for costly repairs or replacements.

Although the premium for full coverage is usually higher compared to minimum coverage, the additional cost translates into significantly enhanced protection.

Provider Average Monthly Cost Average Annual Cost
Geico $116 $1,390
Travelers $120 $1,445
Progressive $143 $1,714
Mercury $152 $1,830
Nationwide $158 $1,895

Cheapest Car Insurance In Arizona For Drivers With Poor Credit: Geico

Car insurance costs more for drivers in Arizona with poor credit compared to those with good credit. Insurers usually factor in credit scores to set premiums, as individuals with poor credit tend to make more claims statistically.

However, some insurers offer specific policies or discounts for drivers with poor credit to make coverage more accessible. It’s crucial for drivers in this situation to compare quotes from different insurers to find the most affordable rates.

Despite the common expectation of higher premiums for drivers with subpar credit records, some insurers have crafted policies to cater better to this demographic. These insurers offer competitive rates and are less stringent on penalizing poor credit compared to standard policies. They adopt a holistic approach to risk assessment, considering factors like driving history, location, and vehicle type alongside credit scores.

For individuals with lower credit scores, it’s crucial to explore options and compare quotes from these specialized insurers. They may find more flexible pricing, making car insurance more attainable despite credit challenges.

Provider Average Monthly Cost Average Annual Cost
Geico $151 $1,813
Travelers $181 $2,170
Progressive $236 $2,826
Allstate $315 $3,779
USAA $315 $3,785

Cheapest Car Insurance In Arizona For Seniors: Auto-Owners

Seniors generally have more driving experience and a lower risk of accidents compared to younger drivers. While age plays a role in setting insurance rates, it’s important to note that driving skills don’t necessarily deteriorate with age. Numerous seniors uphold outstanding driving histories even as they grow older. Insurance companies acknowledge this and frequently offer lower rates to seasoned senior drivers.

Additionally, car insurance for seniors in Arizona may come with specific discounts or tailored coverage options to accommodate their needs. Insurers often offer discounts based on factors like driving experience, low mileage, or completion of defensive driving courses. Seniors should explore these options to find the most suitable and affordable coverage for their circumstances.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $74 $885
GEICO $78 $932
Travelers $82 $984
State Farm $88 $1,060
Progressive $89 $1,068

Cheapest Car Insurance In Arizona For Young Drivers

Car insurance for young drivers in Arizona tends to be higher due to their lack of driving experience and higher risk of accidents. Insurance companies often charge higher premiums to offset the increased likelihood of claims from this demographic.

However, young drivers can explore discounts and programs aimed at reducing their insurance costs, such as good student discounts or completing driver education courses. Comparing quotes from multiple insurers is also essential to find the most affordable coverage options.

Young adult drivers usually enjoy more affordable car insurance rates compared to teenagers.

Cheapest Arizona Car Insurance For 16-Year-Olds: Geico

Geico has the cheapest rates for 16 year olds, with an average monthly premium of $300.

Provider Average Annual Cost Average Monthly Cost
Geico $3,596 $300
Travelers $4,626 $386
Auto-Owners $4,986 $416
State Farm $6,454 $538
CSAA $9,515 $793

Cheapest Arizona Car Insurance For 17-Year-Olds: Geico

Geico has the cheapest rates for 17 year olds, with an average premium of $216.

Provider Average Monthly Cost Average Annual Cost
Geico $216 $2,592
Auto-Owners $258 $3,094
CSAA $325 $3,900
State Farm $361 $4,326
Travelers $376 $4,517

Cheapest Arizona Car Insurance For 18-Year-Olds: Geico

Geico has the cheapest rates for 18 year olds, with an average monthly premium of $179.

Provider Average Monthly Cost Average Annual Cost
Geico $179 $2,151
Auto-Owners $236 $2,827
CSAA $304 $3,648
Travelers $315 $3,782
State Farm $316 $3,797

Cheapest Arizona Car Insurance For 21-Year-Olds: Geico

Geico has the cheapest rates for 21 year olds, with an average monthly premium of $115.

Provider Average Monthly Cost Average Annual Cost
Geico $115 $1,377
Auto-Owners $159 $1,905
USAA $173 $2,080
Progressive $189 $2,264
Travelers $197 $2,363

Cheapest Car Insurance In Arizona For Good Drivers (Full Coverage): Geico

Responsible drivers with good driving records often benefit from reduced car insurance rates. Insurers assess risk based on a driver’s history, with those free from violations or accidents categorized as low-risk. This favorable risk profile stems from a history of safe and responsible driving, signaling a decreased likelihood of future claims.

Consequently, insurers are inclined to offer these drivers more attractive premiums, reflecting the lower financial risk they present. For drivers who consistently adhere to traffic laws, evade accidents, and exhibit cautious driving habits overall, this leads to substantial savings on insurance premiums over time.

Provider Average Monthly Cost Average Annual Cost
Geico $75 $902
Auto-Owners $77 $922
Progressive $91 $1,096
Travelers $92 $1,106
State Farm $96 $1,152

Cheapest Car Insurance In Arizona For Drivers With Prior Incidents

Car insurance in Arizona for drivers with prior incidents may come at higher rates compared to those without such incidents. Insurers typically consider factors like past accidents, speeding tickets, or DUIs, when determining premiums. Drivers with prior incidents are often perceived as higher risk, leading to increased insurance costs. However, some insurers may offer specialized policies or discounts to mitigate the impact of these incidents on premiums. It’s essential for drivers with prior incidents to compare quotes from multiple insurers to find the most suitable and affordable coverage options.

Cheapest Car Insurance In Arizona For Drivers With A Speeding Ticket: Geico

Geico has average premiums of $511, making it the cheapest option for drivers with a speeding ticket.

Provider Avg. Annual Min Coverage Premium Avg. Annual Full Coverage Premium
Geico $511 $1,531
Travelers $553 $1,902
USAA $614 $2,522
State Farm $757 $2,322
Progressive $758 $2,318

Cheapest Car Insurance In Arizona For Drivers With An At-Fault Accident: Travelers

Travelers has average premiums of $576, making it the cheapest option for drivers with an at-fault accident.

Provider Avg. Annual Min Coverage Premium Avg. Annual Full Coverage Premium
Travelers $576 $1,966
USAA $778 $3,019
Nationwide $795 $1,998
Geico $817 $2,376
State Farm $851 $2,562

Cheapest Car Insurance In Arizona For Drivers After A DUI: Travelers

Travelers has average premiums of $639, making it the cheapest option for drivers with a DUI on their record..

Provider Average Monthly Cost Average Annual Cost
Travelers $639 $2,141
Progressive $683 $2,028
Mercury $771 $2,636
State Farm $1,021 $2,992
Allstate $1,126 $4,460

Average Cost Of Car Insurance In Arizona

Average Cost In Arizona – By Age

Age Average Monthly Cost Average Annual Cost
16 $708 $8,495
17 $480 $5,754
18 $411 $4,935
19 $300 $3,601
21 $238 $2,856
25 $194 $2,332
35 $167 $2,008
45 $159 $1,913
55 $147 $1,766
65 $140 $1,680
75 $162 $1,944

Average cost in Arizona – By gender & marital status

Gender Marital Status Average Annual Cost
Female Single $1,050
Male Single $1,100
Female Married $925
Male Married $950

Average Cost In Arizona – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $85 $1,024
Good $127 $1,529
Fair $159 $1,915
Poor $203 $2,443

Cheapest Car Insurance In Arizona By City:

City Average Monthly Cost Average Annual Cost
Glendale $110 $1,316
Lake Havasu City $113 $1,351
Flagstaff $120 $1,436
Yuma $124 $1,485
Casa Grande $127 $1,523

Minimum Car Insurance Requirement In Arizona

The minimum Arizona car insurance coverage requirements under state law are as follows:

  • Property damage liability: $15,000 per accident
  • Bodily Injury Liability (BIL): $25,000 per person and $50,000 per accident.

In Arizona, all drivers must maintain a minimum level of car insurance to legally drive, as mandated by state regulations. This requirement ensures that drivers can financially handle the costs associated with accidents.

Bodily Injury Liability (BIL) coverage is essential for covering medical expenses resulting from accidents. If a driver is at fault, their insurance will cover the medical bills of the other party. Arizona mandates a minimum BIL coverage of $25,000 per person and $50,000 per accident.

Property Damage Liability (PDL) is another mandatory coverage, addressing damages to other people’s property caused by the insured driver in an accident. The minimum required PDL coverage in Arizona is $15,000. It’s important to understand that PDL does not cover damages to the policyholder’s vehicle but specifically handles damages to others’ property.

Personal Injury Protection (PIP) is not required in Arizona because Arizona follows a “fault” system for car accidents. This means that the at-fault driver’s insurance is responsible for covering the medical expenses of the injured party. As a result, PIP coverage, which typically covers medical expenses regardless of fault, is not mandatory in Arizona.

Car Insurance Discounts In Arizona

Exploring car insurance options wisely involves seeking out providers that offer discounts tailored to your circumstances. Additionally, engaging in discussions with your insurance agent can reveal potential discounts you may have overlooked.

Here’s an overview of the common types of discounts provided by top car insurance companies:

  • Safe Driver Discount: Rewards drivers with a clean driving record by offering lower premiums, indicating responsible driving behavior and a reduced risk of accidents.
  • Good Student Discount: Provides discounts to students who maintain a high GPA, reflecting responsible behavior and reduced risk.
  • Defensive Driving Course Discount: Offers discounts to drivers who complete defensive driving courses, demonstrating commitment to safe driving practices and reducing the likelihood of accidents.
  • Multi-Vehicle Discount: Provides discounts to policyholders who insure multiple vehicles with the same insurance company, offering cost savings for insuring multiple vehicles.
  • Multi-Policy Discount: Offers discounts to policyholders who bundle multiple insurance policies, such as auto and home insurance, with the same insurer, providing convenience and cost savings.
  • Low Mileage Discount: Rewards drivers who drive fewer miles annually, reducing the risk of accidents and potential claims.
  • Vehicle Safety Features Discount: Offers discounts to drivers whose vehicles are equipped with safety features such as airbags, anti-lock brakes, and anti-theft devices, reducing the risk of accidents and potential claims.

FAQs

How much is car insurance a month in Arizona?

The average cost of car insurance per month in Arizona varies depending on factors like age, driving history, and coverage level, but it typically ranges from $200 to $300.

What is the minimum car insurance one must have in Arizona?

The minimum car insurance required in Arizona includes Bodily Injury Liability (BIL) coverage of at least $25,000 per person and $50,000 per accident, as well as Property Damage Liability (PDL) coverage of at least $15,000.

Which insurance is better in Arizona?

Finding the “better” insurance in Arizona depends on your needs, budget, and preferences. It’s advisable to get quotes from different insurers and consider factors like coverage options, customer service, and reputation to find the best fit.

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