Auto Insurance in Arizona
Arizona’s auto insurance rates are on the low side — on average $1,222 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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In the desert, you don’t have to worry about hurricanes or earthquakes, but you will experience extreme weather during monsoon season. This means that from July to September, you should be prepared to drive in heavy rain and dust storms. If you live in Northern Arizona, you can expect snow in the winter, so full coverage that protects your car from weather damage is a wise idea.
Arizona Minimum Liability
In Arizona, the minimum car insurance that you need is 15/30/15. So if you get the minimum, your policy will pay up to $15,000 per person and $30,000 per accident for bodily injuries. Your property damage coverage will pay up to $15,000. However, the recommended minimum coverage is 50/100/50, and it would be even better if you could get 100/300 or more.
After all, in 2013, the average property damage claim was $3,231, and the average auto liability claim for bodily injury was $15,443. So while your Arizona minimum coverage could pay for this amount, you have to keep in mind that these are just average numbers, meaning that about half of claims are more expensive than that. Therefore, you could end up paying hundreds or even thousands of dollars out of pocket if your auto insurance coverage in Arizona is just at the minimum.
If the cost of additional coverage makes you nervous, remember that, as a consumer, you have the option to comparison shop. Getting quotes from a variety of Arizona car insurance companies can help you find a rate that’s affordable, and coverage that will help cut your out-of-pocket expenses if you are involved in an accident.
Cheapest Car Insurance in Arizona
- $1,333American Family
- $1,179State Farm
If your goal is to obtain the cheapest car insurance in Arizona, you should go with one of the companies on the list above. We found that these companies offer affordable rates on premiums compared to their competitors.
Having affordable insurance is a common objective for many Arizona drivers, However, choosing a company based on price alone is not the best idea. You will likely be sacrificing quality when it comes to customer service and the claims process. But if your only option is to find a low-cost policy, contact the companies on this list.
Most Popular Companies by Marketshare
- American Family
- State Farm
The companies on the list above are the most popular auto insurers in Arizona. They focus on taking care of the specific needs of the drivers in this state, which may explain their popularity.
Of course, one reason for their popularity could simply be that they have the biggest ad budgets, allowing them to get their ads in front of most drivers in Arizona. When you consider this, you can see why the most popular companies are not always the best. That’s why you should get quotes from a mix of both popular and lesser known companies.
Choosing the Best Car Insurance in Arizona
You should consider multiple factors when determining the top companies. For example, we check to make sure they feature reasonable premiums and extensive coverage while maintaining a good financial standing and offering great customer service, lots of discounts and an easy claims process.
As you search for the best car insurance company for you, try to find one that you will be comfortable remaining with for years to come. The top-rated insurance companies in Arizona are known for satisfying customers for several years, so start your search by getting quotes from them.
Where is car insurance most affordable?
One detail that factors into your Arizona car insurance rate is your specific location.
Some Arizona cities, especially the larger ones, have more expensive premium rates. For example, Phoenix has the most expensive car insurance prices in Arizona. On the other hand, smaller cities, such as Flagstaff, have the cheapest rates.
Arizona has a lot of smaller suburbs clustered near larger cities such as Phoenix. The car insurance prices in the suburbs tend to be cheaper. Of course, there are always exceptions, so make sure you get quotes from several Arizona car insurance companies.
Phoenix Auto Insurance
Phoenix is the largest city in Arizona, with more than 1.5 million residents. If you live here, you have access to hundreds of restaurants, stores, bars, museums and more. But like most Arizona cities, this area requires a car to get around, unless you happen to live and work in the more pedestrian-friendly area of downtown Phoenix. You can also expect to pay more for car insurance than most other Arizona residents.
Tucson Auto Insurance
Tucson is another major Arizona city, although its population of a little over 500,000 makes it much smaller than Phoenix. When you live here, your car insurance premium will likely be cheaper than the state’s average and much less than what Phoenix residents pay. Plus, you can enjoy living close to well-known attractions such as Saguaro National Park, the University of Arizona, and Tombstone.
Mesa Auto Insurance
Mesa is a rather large Phoenix suburb with a population of about 450,000. The population may be just slightly smaller than Tucson’s, but the car insurance rates here are a little more expensive. If you live here, you’re about a half-hour away from Phoenix and just minutes away from popular destinations that include the Salt River, the Superstition Mountains, and the refreshing Saguaro Lake.
Chandler Auto Insurance
Chandler is another Phoenix suburb. Although its population of about 250,000 is a little under half of Mesa’s, its average car insurance rate is slightly cheaper. This growing city is known for being family-friendly, with popular amenities that include the Chandler Mall, Phoenix Premium Outlets, and dozens of parks. Like many other Arizona cities, you need a car to get around, which means car insurance is necessary here.
Glendale Auto Insurance
Glendale is located northwest of Phoenix and has about 235,000 residents. The car insurance rate here is nearly the same as in Phoenix, despite the rather large difference in population. But the good news is that Glendale residents enjoy close proximity to the stadium where the Arizona Cardinals football team plays. Plus, the Chicago White Sox and Los Angeles Dodgers have spring training in this city.
Gilbert Auto Insurance
This suburb of Phoenix is considered just as family-friendly as Chandler, although its population is lower, with about 230,000 people. Like many other Arizona areas, you need a car here if you work outside the home or want to drive to places like the San Tan Village mall, the Riparian Preserve at Water Ranch, or the many parks and public pools around Gilbert.
Tempe Auto Insurance
Tempe is the home of Arizona State University, so many of its 168,000 residents are college students who live close enough to walk, ride their bikes or take a shuttle to school. There is also a light rail that can take you from Tempe to nearby cities, making this one of the few parts of Arizona where you don’t necessarily need a car. But if you do drive, your insurance rate will likely be on par with that of other Phoenix suburbs.
Scottsdale Auto Insurance
Scottsdale is considered “The West’s Most Western Town,” so seeing some people getting around on horses should come as no surprise. But most of the 164,000 residents drive cars to get to destinations like Scottsdale Fashion Square mall and the numerous shops, museums and bars here. And although the average income in Scottsdale is known for being high, the insurance rate is among the cheapest in the state.
Peoria Auto Insurance
Peoria is northwest of both Phoenix and Glendale. Its 162,000 residents are within driving distance of Lake Pleasant, the Peoria Sports Complex and Arrowhead Towne Center mall. If you live here and need to drive to these or other well-known destinations in Peoria, you can look forward to affordable car insurance rates that are slightly under the state average.
Yuma Auto Insurance
Yuma is far from both Phoenix and Tucson, which may be a good thing, because the car insurance rates are much lower. In fact, they are among the lowest in the state. Located near the California border, this city is home to about 91,000 people. It’s perfect if you like to travel, since it has an international airport and is also less than three hours from Phoenix and San Diego.
Flagstaff Auto Insurance
Flagstaff is another Arizona city with extremely low car insurance rates. Not only does Flagstaff have affordable insurance, but it is also one of the few places in Arizona where you can get away from the desert heat. It’s located right by the Coconino National Forest, so it gets snow in the winter, which is why so many Phoenix residents travel up here to ski. It’s also just an hour away from the Grand Canyon, which is convenient for its 68,000 residents.
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