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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.
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 Tuscon than they are in rural areas with much less traffic.
Insurance agents 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 setting 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 15/30/10 in car insurance.
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.
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 and Vehicle Safety discounts, for example. 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 like Allstate, Progressive, The Hartford, Liberty Mutual, State Farm and 21st Century Insurance. Call each agent, 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.
Finally, enjoy spending the money you saved on car insurance.
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