Auto Insurance Quote Arizona

Top Auto Insurance Quote Arizona: Find the Best Rates for 2024

When driving in Arizona, finding the right auto insurance is crucial. With diverse coverage options and competitive rates, securing the best policy can be overwhelming. Our guide simplifies the process by highlighting top insurance providers and helping you compare quotes. Discover how to get the best protection for your vehicle while saving on premiums.

Essential Information for Driving in Arizona

The typical annual Auto insurance premium in Arizona is $1,475, which is 3% lower than the national average. However, rates vary based on more than just geographic location. Factors such as a driver's age and driving record play a significant role in determining insurance costs. Our experts at Insurance Arizona have examined the average rates across these factors to assist you in finding an affordable policy.

Continue reading to understand how auto insurance rates in Arizona differ by these factors, or enter your ZIP code above to get free quotes from leading insurers.

The Best Auto Insurance Quote Companies in Arizona

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Central Insurance Quote

Central Insurance Quote leads the pack, receiving top marks in The Insurance Arizona Customer Satisfaction Survey and achieving a score of 875 out of 1,000 in J.D. Power’s 2021 U.S. Auto Insurance Study for Arizona.

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Insurance Arizona

Securing the second position, Insurance Arizona maintains its top ranking for the second consecutive year with a J.D. Power score of 855. Additionally, the company achieved a notable 4.3 out of 5 stars in The Insurance Arizona Customer Satisfaction Survey.

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Insurance Phoenix

Insurance Phoenix holds the position of the second-best-rated provider in the southwest, achieving a score of 848, which is only three points below Insurance Arizona.

The Most Affordable Auto Insurance Companies in Arizona

These companies provide the most affordable rates in the following scenarios.

Insurance Texas

Cheapest for Minimum Coverage: Insurance Texas

Insurance Texas offers the lowest rates for minimum coverage, with an annual premium of $412, or $34 per month.

Insurance Florida

Cheapest for DUI: Insurance Florida

Insurance Florida has the most affordable rates for DUI situations, with an annual cost of $1,700, or about $141 per month.

Insurance Ohio

Cheapest for Full Coverage: Insurance Ohio

Insurance Ohio provides the most cost-effective full coverage, with an annual premium of $1,294, or $108 per month.

Company Estimated Avg. Annual Premium
Insurance Texas $1,294
Central Insurance Quote $1,346
Insurance Ohio $1,452
Insurance Phoenix $1,466
Insurance Florida $1,527
Insurance Arizona $1,691

*Source: Insurance Arizona

Essential Guide to Auto Insurance Laws in Arizona

Auto insurance is mandatory in almost every state, including Arizona. It’s essential to understand the state's requirements to ensure compliance and adequate protection.

State Minimum Coverage:

In Arizona, the state minimum coverage requirement is liability insurance with the following limits:

For the legal minimum coverage level in Arizona, expect to pay an average of $555 annually. This expenditure is approximately 3% higher than the nationwide average.

Optional Coverage:

In addition to the mandatory liability coverage, drivers in Arizona can opt for additional coverages, depending on the insurance Autorier. These optional coverages include:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Auto Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
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Cost of Full Coverage:

If you opt for more comprehensive protection, you can choose a policy that includes comprehensive and collision coverage. These policies cover costs associated with accidents, theft, vandalism, or weather-related incidents. However, better coverage comes with a higher cost. In Arizona, a full coverage insurance policy with a $1,000 deductible costs $1,302, which is 135% more than liability-only Auto insurance. For a full coverage policy with a $500 deductible, the cost increases further, typically costing 194% more than basic liability coverage.

By understanding Arizona's auto insurance laws and coverage options, you can make informed decisions about your insurance needs and ensure you're adequately protected on the road.

Cheap Auto Insurance Quotes in Arizona by ZIP

Below, you can get personalized cheap auto insurance quotes for your specific location in Arizona.

Arizona Auto Insurance Premiums by Rating Factor

The cost of your Auto insurance in Arizona is influenced by several personal factors, such as the level of coverage you choose, your driving history, and where you live. Review the average premium costs based on these rating factors to better understand what you might expect to pay for auto insurance in Arizona.

Affordable Minimum Coverage Auto Insurance in Arizona

Opting for liability-only insurance at the state minimum level can significantly reduce your Auto insurance costs. In Arizona, the average cost for minimum coverage is $46 per month, or $555 per year. This approach offers a considerable savings of $1,076 compared to the average cost of full coverage insurance.

Company Avg. Annual Premium
Central Insurance Quote $416
Insurance Arizona $462
Insurance Phoenix $491
Insurance Texas $558
Insurance Florida $565
Insurance Ohio $641

*Source: Insurance Arizona

Cheap auto insurance in Arizona with bad credit

Opting for liability-only insurance at the state minimum level can greatly reduce your Auto insurance costs. In Arizona, the average monthly premium for minimum coverage is $46, which amounts to $555 per year. This results in a savings of $1,076 compared to the cost of full coverage.

Company Avg. Annual Premium
Insurance Texas $1,753
Insurance Florida $2,288
Insurance Phoenix $2,581
Insurance Arizona $2,788
Central Insurance Quote $3,048
Insurance Ohio $3,539

*Source: Insurance Arizona

Cheap auto insurance in Arizona with an at-fault accident

Your driving record significantly influences your insurance costs. Insurers review past at-fault accidents to assess the risk you represent. If you've had an at-fault accident in recent years, it could raise your annual Auto insurance rates by up to $722.

Company Avg. Annual Premium
Insurance Ohio $1,717
Central Insurance Quote $1,855
Insurance Phoenix $2,123
Insurance Arizona $2,303
Insurance Florida $2,315
Insurance Texas $2,859

*Source: Insurance Arizona

Cheap auto insurance for young drivers in Arizona

Young drivers, particularly those between 16 and 25, face very high Auto insurance rates, with 16 to 19-year-olds paying the steepest premiums. Due to the higher risk associated with inexperienced drivers, teenagers pay more than triple the national average for Auto insurance. In Arizona, teen drivers face particularly high costs, averaging $5,998 annually. This is $1,202 more than the national average and over double the rate for an average Arizona driver.

Company Avg. Annual Premium
Insurance Florida $3,660
Insurance Ohio $3,707
Insurance Phoenix $5,421
Central Insurance Quote $5,495
Insurance Arizona $5,905
Insurance Texas $6,657

*Source: Insurance Arizona

Arizona auto insurance rate by violation

In Arizona, having a bad driving record can lead to a significant increase in your insurance rates. Getting a ticket or citation usually results in higher auto insurance premiums. The extent of the increase depends on the specific violation, your insurer's pricing criteria, and various local insurance regulations and risk factors. As a result, the impact of tickets on insurance costs in Arizona may differ from the national average.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,751 0% $0
None $1,751 0% $0
Not-at-fault accident $1,754 0% $4
Two Med/PIP claims $1,825 4% $74
One comp claim $1,825 4% $76
Two comp claims $1,918 10% $168
Failure to wear a seat belt $1,970 13% $221
Child safety restraint $1,974 13% $224
Driving without lights $1,974 13% $224
Failure to show documents $2,059 18% $309
Driving with expired registration $2,131 22% $380
Wrong way/wrong lane $2,195 25% $445
Speeding 6 - 10 MPH over limit $2,196 25% $445
Following too closely $2,196 25% $446
Failure to stop at a red light $2,196 25% $446
Failure to yield $2,196 25% $446
Illegal turn $2,197 25% $446
Cell phone violation $2,201 26% $450
Texting while driving $2,201 26% $450
Improper passing $2,225 27% $474
Speeding 11 - 15 MPH over limit $2,235 28% $485
Speeding in school zone $2,245 28% $494
Driving too slowly $2,245 28% $494
Speeding 16 - 20 MPH over limit $2,253 29% $502
In 65 MPH zone $2,317 32% $567
Speeding 21 - 25 MPH over limit $2,326 33% $576
Passing school bus $2,326 33% $576
At-fault accident - less than $1000 $2,404 37% $654
Operating a vehicle without permission $2,454 40% $703
At-fault accident - $1000-$2000 $2,570 47% $820
At-fault accident - greater than $2000 $2,598 48% $847
Open container $2,656 52% $905
Reckless driving $2,939 68% $1,188
Driving with a suspended licence $2,977 70% $1,227
Refusal to submit to a chemical test $3,360 92% $1,609
DUI $3,360 92% $1,609
Racing $3,453 97% $1,702
Leaving scene of an accident/hit and run $3,471 98% $1,721

*Source: Insurance Arizona

Cheap Auto Insurance Quotes in Arizona by ZIP

Below, you can get personalized cheap auto insurance quotes for your specific location in Arizona.

Understanding Arizona's DUI Laws

In Arizona, a DUI offense can raise your yearly Auto insurance premium by an average of $876. Securing affordable auto insurance after a DUI can be challenging. A DUI typically results in a more substantial premium hike than any other single traffic violation, including at-fault accidents, racing, or reckless driving.

Low-cost Auto insurance after a DUI in Arizona

If you're convicted of a DUI or DWI in Arizona, it's essential to Autoefully consider your insurance options. Auto insurance premiums after a DUI can vary significantly between insurers. For instance, Progressive offers the lowest rates for drivers with a DUI in Arizona, with premiums 6% lower than the state average for drivers with a DUI. Travelers is the second most affordable option, while the most expensive is INSURANCE ARIZONA, with rates that are 217% above the average.

Company Avg. Annual Premium
Central Insurance Quote $1,706
Insurance Ohio $1,868
Insurance Phoenix $2,208
Insurance Florida $2,651
Insurance Arizona $3,578
Insurance Texas $3,615

*Source: Insurance Arizona

No single Auto insurer specifically offers low-cost insurance for drivers with a DUI. The best way to save after a DUI citation is to compare quotes from different providers.

Understanding Arizona SR-22 Insurance Requirements

An SR-22 is a standard legal requirement that arises from violations such as a DUI conviction, driving without insurance, an at-fault accident, driving with a suspended license, or accumulating excessive points on your driving record. While it’s not an insurance policy itself, an SR-22 is a form filed by your insurer with the state of Arizona to confirm that you maintain coverage.

Securing affordable auto insurance with an SR-22 in Arizona may take some effort, but the potential savings are worthwhile.

How to Obtain an SR-22 in Arizona

For currently Insured Drivers:

If you already have auto insurance, obtaining an SR-22 is simple. Contact your insurance provider and request that they file an SR-22 form on your behalf. If your current insurer is unwilling to do so, you may need to find a new provider.

For Uninsured Drivers:

When applying for a new insurance policy, you might face an initial fee for your insurer to file the SR-22 and to cover your high-risk status. Some insurance companies may refuse to offer coverage if an SR-22 is required, while others will be willing to provide a policy.

For Drivers Without a Vehicle:

If you do not own a vehicle, getting an SR-22 can be more challenging as you'll need to prove you have insurance. In this case, you should first purchase a non-owner Auto insurance policy before requesting the SR-22. Non-owner insurance is usually cheaper than standard coverage because it doesn’t include protection for physical damage to a vehicle.

Auto Insurance Rates by City in Arizona

Auto insurance rates are influenced by various factors, with the vehicle's location being a significant one. In Arizona, the lowest Auto insurance rates are found in Valle Vista, while the highest are in Phoenix.

Check the table below for the average Auto insurance costs in some of Arizona's largest cities.

City Avg. Annual Premium
Tucson $1,822
Chandler $1,853
Mesa $1,920
Scottsdale $1,928
Phoenix $2,220

*Source: Insurance Arizona

Auto Insurance Quotes in Arizona by ZIP

Below, you can get personalized auto insurance quotes for your specific location in Arizona.

Auto Insurance Price Trends in Arizona

In Arizona, the average annual auto insurance premium increased by $18 over the past year, bringing the typical cost to approximately $1,482.

Compared to national trends, Arizona's insurance rates show more volatility. The most notable decrease in premiums occurred from 2015 to 2016, while the highest increase was seen between 2017 and 2018. Recent years have experienced more stable, but still noticeable, changes in rates.

Arizona Car Insurance Rate Trends

Year Avg. Annual Premium — Arizona Yearly Change — AZ Avg. Annual Premium — U.S. Yearly Change — U.S.
2021 $1,482 $18 $1,529 $46
2020 $1,464 $0 $1,483 -$61
2019 $1,464 $85 $1,544 $23
2018 $1,379 $417 $1,521 $32
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

*Source: Insurance Arizona

If your rates are increasing more rapidly than the state average, it’s time to compare quotes and seek a better option. The Insurance Arizona Auto insurance comparison tool provides personalized quotes based on your specific details. Enter your ZIP code below to begin.

Arizona Auto insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Arizona auto insurance.

Travelers offers the lowest rates in Arizona, with full coverage policies priced at $1,294. Insurance Texas and Central Insurance Quote also provide competitive rates. Explore options from top insurers in AZ to find the best deal.

The average cost for auto insurance in Arizona is $1,482 per year, which breaks down to approximately $124 per month.

Auto insurance in Arizona is roughly 3% below the national average. This is influenced by factors such as the state’s population size, the number of uninsured drivers, and the financial impact of claims on insurance companies.

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