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Arizona Auto Insurance Quote
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.
photo: schweigerphoto.com
Auto Insurance Rates in Arizona
The Average Auto Insurance Premium in Arizona last year was $1,188 annually.
The National average during this time was $1,347 per year for car insurance.
Arizona's rates are relatively low, although rates vary throughout the state. Premiums are 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.
Minimum Liability Coverage 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, and $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.
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
Low Cost Car Insurance in Arizona
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 are combined within the same policy, so apply for every discount that applies to you.
Best Auto Insurance Carriers in Arizona
Based on 2017 customer satisfaction ratings, Arizona car owners prefer
- Allstate Insurance
- Progressive Insurance
- The Hartford
- Liberty Mutual Insurance
- State Farm Insurance
- 21st Century Insurance
...in that order.
Call several auto insurance agents, and 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.
Lastly, enjoy spending all that money you saved on car insurance.
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