The cheapest auto insurance in Arizona
In 2015, there were just under 5 million licensed drivers in Arizona, and every driver is legally required to purchase auto insurance. The average cost of auto insurance in Arizona is $ 1,547 per year for full coverage and $ 555 per year for minimum coverage. Arizona is slightly cheaper compared to the national average premium of $ 1,674 per year for full coverage and $ 565 per year for minimum coverage.
However, not all auto insurance companies are created equal. If you are looking for the cheapest auto insurance in Arizona, there are some insurers that will probably be a better fit for you.
The cheapest auto insurance in Arizona
Arizona drivers have many auto insurance options at affordable rates in the state. The companies in the table below represent some of the lowest rates in Arizona and can be a good place to start your insurance search.
|Auto insurance company||JD Power 2021 Auto Insurance Study Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||829/1000||$ 326||$ 916|
|United States||863/1000||$ 450||$ 1288|
|Hartford||826/1000||$ 506||$ 1,257|
|State farm||847/1000||$ 523||$ 1232|
|Allstate||822/1000||$ 554||$ 1701|
Geico is a great choice for drivers looking for inexpensive Arizona auto insurance. The average annual full coverage premium is $ 916 and the average annual minimum coverage premium is $ 326. In addition to the low premiums, Geico customers may be able to save additional money by taking advantage of the many discounts. Geico offers discounts for safe drivers, good students, the military, federal employees, employer groups, grouping policies, and vehicle safety features, such as airbags and daytime running lights.
Learn more: Geico Insurance Review
USAA is known for its excellent customer service, but there are also many ways to save money on auto insurance with the company. Discounts include savings for safe driving, low mileage and driver training, as well as special loyalty discounts. You can even save money when a family member has purchased a USAA policy. As a military insurance provider, the USAA offers unique discounts such as discounts on vehicle storage and emergency deployment. Keep in mind that the USAA is only available to serving military personnel, veterans, and their immediate families.
Learn more: USAA Insurance Review
One of The Hartford’s best assets is its multi-faceted support. Its exclusive RecoverCare program helps with post-accident assistance, and a complaints hotline is available 24/7. There’s also a new car replacement, a vanishing deductible, and 24/7 roadside assistance with injury protection. If you own an electric vehicle, you could save money on your auto insurance premium with the Hartford, on top of taking a defensive driving course or paying your entire policy.
Learn more: The Hartford Insurance Review
State Farm offers two signature programs to help you save money on your auto insurance. Its Drive Safe & Save program rewards you with discounts in return for safe driving. The Steer Clear program also offers additional discounts when you are accident free for at least three years. You can also save on your insurance if you bundle your home and automobile.
Learn more: State agricultural insurance review
To save money without any hassle, you can use Allstate’s Drivewise telematics program to track your driving habits. To get started, all you need to do is register for the app; after a certain period of safe driving, you can start saving. Beyond Drivewise, you also save money when you have a new car, bundle policies, or get good grades in school. Vehicle safety features can also save you money with discounts on airbags, anti-theft devices and anti-lock brakes.
Allstate Insurance Review
Minimum coverage for Arizona drivers
Arizona drivers are required to transport at least Auto insurance 25/50/15. This means that all drivers in Arizona must have at least the following levels of auto insurance:
- $ 25,000 for bodily injury liability coverage per person
- $ 50,000 for accidental bodily injury liability coverage
- $ 15,000 for accidental property damage liability coverage
Choosing minimum limits can keep your insurance premium low, but it can result in personal expenses if you are involved in an accident where the damage exceeds the limits of your coverage. In addition, the minimum coverage insurance does not provide any protection for your own vehicle. If you are financing your vehicle with a loan or lease, your lender will likely require you to purchase comprehensive and collision insurance.
How to get cheap car insurance in Arizona
Getting cheap auto insurance in Arizona starts with choosing a provider that sells affordable coverage, but there are other ways to lower your auto insurance premium. Here are some suggestions:
- Compare the prices: Take your time to research auto insurance companies. Make a list of the factors that matter most to you, like great customer service or plenty of coverage options, and find a handful of businesses that meet your criteria.
- Compare quotes: Once you’ve found several potential insurance companies, get quotes from each provider and compare rates. This is one of the best ways to find out if you are finding the coverage you need within your budget.
- Benefit from discounts: Look for insurance companies that offer a variety of discounts that you are eligible for. You can also call an agent to inquire about any unannounced discounts you may be able to take advantage of.
- Work on your credit score: Insurance companies in many states use your credit score, among other factors, to calculate your rate. Raising your credit score, even by several points, can lower your insurance premium.
- Increase your deductible: Increasing your deductible will generally lower your premium. However, make sure that you can afford to pay a higher deductible if you choose this option.
- Pay in full: Many insurance companies offer discounts to drivers who pay their premium in full.
Frequently Asked Questions
What is the best auto insurance in Arizona?
The best Arizona auto insurance company is different for every driver. Some people are looking for the best customer service, some are looking for the lowest rates, and some are looking for specific coverage. One of the best ways to find the right auto insurance company for you is to shop around and compare providers based on your personal needs.
What is the average cost of auto insurance in the United States?
The average cost of auto insurance in the United States is $ 1,674 per year for a full coverage policy and $ 565 per year for a minimum coverage policy. The national average rate is slightly more expensive than the Arizona statewide average rate of $ 1,547 per year for full coverage and $ 555 per year for minimum coverage.
What factors have an impact on my auto insurance rate?
Auto insurance rates vary for each driver. Arizona drivers can pay more or less than the state average depending on factors such as age, gender, credit rating, zip code, claim history and driving record , among others. The year, make, model, and annual mileage of your vehicle can also impact auto insurance rates.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.