Arizona Car Insurance
Everything You Need To Know About Auto Insurance in Arizona
Desert landscapes dotted by cactuses and Joshua trees, with mesas and plateaus stretching out toward the canyons. That’s some of the imagery Arizona typically brings to mind, along with the vastness of the Grand Canyon and the pueblos, rock paintings, and prehistoric markings that ancient Native American tribes left behind.
Today, this Southwestern state — located in the Four Corners region of the U.S. — is home to more than 7.3 million residents. Thousands of years ago, the Hohokam, Mogollon, and ancestral Puebloan tribal cultures thrived on this same land. The Spanish arrived in the 1540s, with explorer Francisco Vázquez de Coronado among the most famous. His expedition marked the Europeans’ first viewing of the Grand Canyon and the Colorado River.
If you’re looking for an auto policy from a top-rated carrier to keep you and your loved ones safe on the road, InsureOne expert agents can help you find the best auto insurance at a great rate in Arizona.
How Much Does Car Insurance Cost in Arizona?
Arizona drivers pay annual auto premiums of $1,810 for full coverage and $587 for minimum liability insurance.
These premiums are lower than national averages, which stand at around $2,014 and $622 for full and minimum coverage, respectively. That means Arizona drivers pay $35 to $204 less for coverage than drivers in other states.
Reasons Why Insurance Is So Cheap in Arizona
Even though Phoenix and Tucson are two of its largest cities, Arizona has many more small cities, towns, and rural communities than it does bustling urban centers. This means that, overall, the Grand Canyon State generally experiences less traffic and congestion than other states, and this factor typically influences premiums.
Affordable Car Insurance Rates Comparison by Cities in Arizona
For a comparison of the average monthly premiums paid by drivers in different cities across the state, check out our breakdown below.
|Full Coverage Insurance
|Liability Insurance Coverage
Our average monthly premiums by city are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Arizona.
How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Arizona
You can reduce your annual premium by 5% to 25% if you bundle coverage. This is a great option for homeowners, who pay more for coverage than those who rent their homes.
If you own a house in Scottsdale, for example, and bundle your home and auto coverage, you’ll likely get the maximum 25% reduction on your premium. By comparison, someone renting an apartment in Phoenix or any other Arizona city or town might only receive a discount of up to 15%.
An InsureOne agent can help you build a quality package that meets your needs and budget. They do all the work, comparing offerings from top providers, which saves you time and money.
What Types of Auto Discounts Are Available in Arizona?
You can save money on your annual auto premiums with driver discounts, especially if you’re eligible for more than one. If you bundle homeowner’s insurance and auto coverage, for example, you could lower your rate by as much as 25%.
Other rate-reducing discounts include:
- Good driver
- Defensive driver
- Good student
Arizona Car Insurance Laws
The minimum mandatory liability coverage requirement in Arizona is 25/50/15, and drivers must always carry proof of having auto insurance. Here’s a closer look at what this means.
What Are the Mandatory Car Insurance Requirements in Arizona?
In Arizona, a basic policy must provide 25/50/15 liability coverage to pay for costs you cause in a crash. That means you’ll have:
- $25,000 to cover the medical bills or funeral expenses of one person who is hurt or dies as a result of an accident caused by you
- $50,000 to cover treatment for injuries or deaths if two or more persons are involved
- $15,000 to pay for property damage
Some drivers choose to increase these amounts on their policies to make sure they’re not underinsured if they cause a crash that exceeds the state-mandated limits.
What Is the Penalty for Driving Without Insurance in Arizona?
Getting caught behind the wheel without proof of auto insurance can land you fines, suspensions, and an SR-22 requirement, and they all escalate with each offense.
The first time you’re caught, you’ll have to pay a $500 fine, and the DMV will suspend your license and registration for three months. If you’re caught two or more times, expect to pay $750 to $1,000 in fines with license and registration suspension lasting six months to a year.
Regardless of how many times you commit the offense, the state mandates that you obtain an SR-22 certificate of financial responsibility each time and that it remain in place for two years. This requirement will impact your auto policy premium, causing it to rise a certain percentage, and that new rate will hold for those two years or longer, depending on other circumstances.
What Factors Does Arizona Law Allow in Determining Your Premiums?
States allow insurers to calculate auto insurance premiums based on several factors. Some of the most important ones are:
- Marital status
- Credit history
- Driving record and experience
- Vehicle type
What’s the Best Car Insurance for Teenagers and Their Family in Arizona?
A multi-car policy is a great option for families with teen drivers, who are usually pretty pricey to insure because of their inexperience on the road. If you, your spouse, or any other adult drivers on your auto policy are considered good drivers by your insurer, this can help lower the overall cost you pay on your premium.
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs.
What Is Driving Like in Arizona?
With 113,998 square miles of land, Arizona has elevations and climate conditions that can vary. Overall, the state experiences desert climates with extremely hot summers. Driving through desert heat can be dangerous and damage a vehicle, particularly tires. When winter temperatures drop in this state, the lowest they usually reach is 40 degrees Fahrenheit. This can lead to frost conditions, which can make roads icy.
How Many Car Accidents Happen in Arizona?
In 2021, 1,063 fatal crashes in Arizona resulted in 1,180 deaths. The following chart shows the number of fatal crashes in various cities across the state that year.
|Fatal Crashes in 2021
Source: U.S. Department of Transportation National Highway Traffic Safety Administration.
How Many Uninsured/Underinsured Motorists Are in Arizona?
Nearly 12% of Arizona drivers state don’t have auto coverage. This state ranked no. 24 among those with the highest number of uninsured or underinsured motorists in 2019.
Get the Best Car Insurance in Arizona Today
InsureOne offers a one-stop auto insurance shopping experience, with expert agents who will listen to your needs and help you find top-quality insurance options that work best for you.
We will save you time and money by researching quotes and presenting you with several options that meet your needs. Get a quote online, visit us at an office near you, or call us at (800) 836-2240 for a quote.