Arizona Auto Insurance Quote

Find out how to get an Arizona Auto insurance Quote, scan annual premiums, score deep discounts, and review state laws. 

You'll also find some useful tips on how to select the auto insurance premium package that works best for the Arizona driver.

For other useful information, see the links below.


auto insurance rates in arizona

The Average Annual Arizona Auto Insurance Quote this year was $1,355. 

Compare this to the overall National average annual premium during the same time period, which was $1,365. 

Arizona's average car insurance rates are about average, although rates vary throughout the state. Premiums are much higher in Phoenix and Tucson than they are in rural areas with much less auto traffic. 

Insurance actuaries also consider environmental factors like local weather conditions, population density, and neighborhood crime rates.

On a personal level, they evaluate the driver's age, gender, marital status, driving record, vehicle type, and physical or mental health, among other things. 

State laws also play a role in determining auto insurance rates.

penalties for uninsured drivers in arizona

Arizona drivers who get caught driving uninsured vehicles are subject to fines and suspended licenses.

The guilty party must also pay reinstatement fees, and file an SR-22 form as proof of financial responsibility. 

Despite the lowered premium rates, estimates suggest that 12% of vehicles on Arizona roads are uninsured. 

minimum liability coverage for vehicles owned in arizona

The minimum requirement for insuring licensed vehicles in the state of Arizona is relatively low among U.S. states. Arizona car owners are required to insure each owned vehicle with no less than

  • $15,000 in Personal Injury Protection (PIP)
  • $30,000 in cost of damages per accident
  • $10,000 in coverage for damage to physical property

In insurance lingo, the state of Arizona requires at least 15/30/10 in car insurance coverage.

Some Arizona drivers benefit from Comprehensive car insurance, which covers the cost of a stolen vehicle, among other things. Comprehensive car insurance is especially recommended for Arizona residents in border towns. For more info about comprehensive car insurance, visit the related link shown below. 

The Arizona Insurance Council claims that car theft is more frequent in Arizona than in most other states, probably due to Arizona's close proximity to Mexico. 

Obtaining an Arizona Auto Insurance Quote

Based on 2018 customer satisfaction ratings, Arizona favorite auto insurance carriers are: 

  1. Allstate Insurance
  2. Progressive Insurance
  3. The Hartford
  4. Liberty Mutual Insurance
  5. State Farm Insurance
  6. 21st Century Insurance that order. 

Call several auto insurance agents, and DON'T FORGET to ask about available discounts! 

Then perform a simple Arizona Auto Insurance Quote cost comparison, and choose the lowest priced premium package you can get, as long as it suits all your personal needs. 

low cost arizona car insurance

Auto insurance companies in Arizona offer many deals to entice drivers to practice responsible driving habits.

Available discount programs include

  • Accident-Free discounts
  • Good Driver discounts
  • Good Student discounts
  • Multiple Auto discounts
  • Multiple Policy discounts
  • Vehicle Safety discounts

...among others.

Discounts can be combined within the same policy, so apply for every discount that applies to you. 

Finally, enjoy spending all that money you saved on car insurance. 

related links

Low Cost Car Insurance in YOUR State 

Compare Average Car Insurance Premiums in all 50 states and Washington DC. 

What is Comprehensive Auto Insurance?

Map of Arizona

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