Who Offers the Best Car Insurance Rates in Arizona?

Central Insurance Quote provides the lowest average car insurance rates in Arizona. Their minimum liability policies cost around $373 per year, while full coverage plans are priced at $1,158 annually.

Best Car Insurance Rates in Arizona

Car insurance rates can fluctuate based on numerous factors, so the optimal rates for you will depend on your individual circumstances. Below, we’ve outlined the most affordable rates for each type of coverage.

Cheapest Car Insurance Companies in Arizona

Our research has identified the five most affordable car insurance companies in Arizona:

• Central Insurance Quote
• Insurance Arizona
• Insurance Phoenix
• Insurance Pennsylvania
• Insurance Illinois

Click on any of our top providers to learn more about their offerings. Below, we detail the most budget-friendly large and midsize insurance companies in the Grand Canyon State.

Unless otherwise noted, the average rates provided are based on the profile of an unmarried 35-year-old driving a 2022 Toyota Camry, which represents a broad range of drivers not influenced by factors that typically increase rates.

Cheapest Large Insurance Companies in Arizona

For large car insurance companies, the most affordable options in Arizona are Central Insurance Quote, Insurance Arizona, Insurance Phoenix, Insurance Pennsylvania, and Insurance Illinois. J.D. Power defines large insurers as those that have written $4.5 billion or more in direct premiums for personal auto insurance. On average, these providers offer the lowest rates in Arizona.

How to Obtain Affordable Car Insurance in Arizona

To secure cheap car insurance in Arizona, it's crucial to compare rates from various providers and seek out local deals. Consulting with a local insurance agent can provide valuable insights on saving money on auto insurance.

Cheap Car Insurance Quotes in Arizona

When obtaining a car insurance quote, providers use several factors to calculate your rates.

The most significant factors that insurers consider for car insurance costs in Arizona include:

• Your age
• Your location
• The gender listed on your driver’s license
• Your driving history
• Your credit score
• Your marital status
• The make, model, year, and mileage of your vehicle
• The deductible you choose

Average Cost of Car Insurance Quotes AZ

Car insurance rates in Arizona are generally higher compared to many other states. On average, full-coverage car insurance in Arizona costs around $2,008 per year or $167 per month. This figure is consistent with the national average. However, minimum coverage in Arizona tends to be approximately $8 more expensive than the national average of $627 per year. The rates are based on a profile of an unmarried 35-year-old driver with a good credit score and a clean driving record.

Arizona Car Insurance Requirements

In Arizona, all drivers are required by state law to maintain minimum liability coverage for car insurance. The mandated coverage limits are as follows:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident.
• Property Damage Liability: $15,000 per accident.

Liability insurance covers the costs associated with injuries and damages caused to others in an accident for which you are responsible. However, this does not cover damage to your own vehicle or your medical expenses. For more comprehensive protection, consider adding the following coverages to your policy:

• Collision Coverage: Covers damage to your vehicle resulting from an accident, regardless of who is at fault.
• Comprehensive Coverage: Protects against non-collision-related damage, such as vandalism, theft, flooding, or hail.
• Underinsured/Uninsured Motorist Coverage: Provides financial protection if you are involved in an accident with a driver who lacks sufficient insurance.
• Medical Payments Coverage (MedPay): Covers medical expenses for you and your passengers.
• Personal Injury Protection (PIP): Pays for medical expenses, lost wages, and funeral costs for you and your passengers.

Is It Illegal To Drive Without Car Insurance in Arizona?

Yes, driving without the required car insurance in Arizona is illegal. If you're caught driving without insurance, you could face civil penalties and have your vehicle registration and driver’s license suspended. To reinstate your registration and license, you'll need to pay fines and fees and may be required to file proof of insurance with the Arizona Motor Vehicle Department (MVD), typically in the form of an SR-22 certificate.