Automobile

Best Car Insurance in Arizona: Everything You Need to Know

Table of Contents:

  • Arizona Auto Insurance Costs by Insurer
  • Arizona Auto Insurance Premiums by Driver Age
  • Arizona Car Insurance Premiums by Gender and Marital Status
  • Average Arizona Insurance Rates After a Violation or Accident
  • Arizona Auto Insurance Premiums by Credit Tier
  • Expensive Arizona Cities
  • Cheaper Arizona Cities
  • List of Insurance Companies in Arizona
  • No-Fault Auto Insurance in Arizona Information

    Finding the best car insurance in Arizona requires an understanding of the factors that influence your rates. Insurers provide different rates based on factors such as marital status, geographic location, employment status, home ownership, and affiliation with certain clubs, institutions, or employers.

    Arizona Auto Insurance Costs by Insurer

    ValuePenguin conducted research to find the most affordable auto insurance companies for Arizona drivers. They report that these insurers offer the lowest average annual minimum coverage rates as follows:

    • Allstate: $1554
    • CSAA: $991
    • Farmers Insurance: $2352
    • Hartford: $1675
    • GEICO: $887
    • Progressive: $910
    • State Farm: $950
    • USAA: $550

      The website notes that USAA offers auto policies only to members of the military, veterans, and their immediate family members.

      These are the average Arizona rates by company for full coverage, which also includes comprehensive and collision policies:

      • Allstate: $4630
      • CSAA: $3266
      • Farmers Insurance: $4548
      • GEICO: $1885
      • The Hartford: $4729
      • Progressive: $1898
      • State Farm: $2034
      • USAA: $1578

        Arizona Auto Insurance Premiums by Driver Age

        Teen drivers in the state pay more on average for auto insurance than any other age group, especially when they don’t share a policy with parents. ValuePenguin lists these average annual rates for 18-year-old Arizona drivers:

        • Allstate: $10,288
        • CSAA: $5471
        • Farmers Insurance: $9814
        • GEICO: $3959
        • The Hartford: $12,041
        • Progressive: $9171
        • State Farm: $6464
        • USAA: $5081

          The average price in the state overall for this age group is $7786 per year for car coverage.

          NerdWallet reports these average annual rates by company for drivers in their 20s who have good driving records:

          • American Family – $2386
          • CSAA – $1768
          • GEICO – $1768
          • QBE – $1706
          • Travelers Insurance – $2325

            These are the average costs by company for Arizona drivers in good standing in their 30s:

            • Esurance – $1347 per year
            • GEICO – $1087 per year
            • Farm Bureau – $1203 per year
            • Nationwide – $1179 per year
            • QBE – $1060 per year

              Prices drop even lower for Arizona drivers in their 40s who have clean records, with these affordable average rates by company:

              • GEICO: $970
              • Nationwide: $1109
              • The Hartford: $1221
              • Travelers Insurance: $1235
              • QBE: $1090

                In general, the lowest Arizona insurance rates are available for drivers in their 50s. These are the most affordable companies by average annual rate:

                • GEICO – $960
                • The Hartford – $1053
                • Farm Bureau Financial Services – $1077
                • Nationwide – $1037
                • QBE – $1118

                  Arizona Car Insurance Premiums by Gender and Marital Status

                  ValuePenguin data indicates that married drivers in Arizona save about $295 annually on car insurance compared to the price for single drivers. The site reports that if you are married, you can potentially save the most money with Progressive, with an average annual premium of $1684.

                  Other average annual rates by company for married drivers include:

                  • Allstate: $4348
                  • CSAA: $2726
                  • GEICO: $4348
                  • Farmers Insurance: $4149
                  • State Farm: $2034
                  • The Hartford: $3964
                  • USAA: $1351

                    The average overall rate for married drivers in Arizona is $2776 per year. In comparison, gender does not have much of an influence on auto insurance costs in Arizona. The Zebra reports that women in the state pay about $2 more a year than men do on average.

                    Average Arizona Insurance Rates After a Violation or Accident

                    ValuePenguin reports these average insurance rates by company for Arizona drivers with a history of accidents or traffic tickets:

                    • Allstate: $6814
                    • CSAA: $4451
                    • Farmers Insurance: $6317
                    • GEICO: $2855
                    • The Hartford: $6821
                    • Progressive: $381
                    • State Farm: $2425
                    • USAA: $2343

                      The average annual insurance cost overall for Arizona drivers in this category is $4401.

                      Arizona Auto Insurance Premiums by Credit Tier

                      According to ValuePenguin, an Arizona driver who has a low credit score pays an average annual premium of $3977 a year for auto insurance. They report the cost by company for poor credit drivers as follows:

                      • Allstate: $4096
                      • CSAA: $7340
                      • Farmers Insurance: $3717
                      • GEICO: $2323
                      • The Hartford: $4471
                      • Progressive: $2544
                      • State Farm: $4586
                      • USAA: $2738

                        Expensive Arizona Cities

                        According to Reviews.com, you will pay the highest average rates for auto insurance in these Arizona cities:

                        • Laveen: $1036 per year
                        • Glendale: $1101 per year
                        • Phoenix: $1128 per year

                          Cheaper Arizona Cities

                          Reviews.com reports the most affordable cities for Arizona auto insurance as follows:

                          • Chino Valley: $685 per year
                          • Lake Havasu City: $671 per year
                          • Douglas: $639 per year

                            List of Insurance Companies in Arizona

                            The Zebra recommends these Arizona auto insurance companies based on claims satisfaction ratings from J.D. Power and Associates: CSAA, Auto-Owners, Amica, American Family, Allstate, Allied, 21st Century, USAA, Progressive, Nationwide, MetLife, Liberty Mutual, GEICO, and Farmers Insurance.

                            No-Fault Auto Insurance in Arizona Information

                            According to NerdWallet, to drive legally in Arizona you must carry liability insurance of at least:

                            • $15,000 per accident for property damage
                            • $25,000 per person for bodily injury
                            • $50,000 per accident for bodily injury

                              WalletHub notes that Arizona observes at-fault laws for auto insurance. With this type of structure, the person who causes the accident pays for the injuries and property damage of all other drivers and passengers. The state does not limit the amount for which injured parties can sue the at-fault driver. This differs from no-fault states, which allow lawsuits only in certain situations and require all parties to carry insurance for their own expenses after a crash.

                              While you’re shopping for the best car insurance in Arizona, consider buying more than the state’s minimum coverage amounts. Doing so can reduce the risk of personal bankruptcy after an accident that creates tens of thousands of dollars in out-of-pocket costs.

                              Sources:

                              Best Cheap Car Insurance in Arizona for 2021

                              Cheap Arizona Car Insurance

                              Who Has the Cheapest Car Insurance Quotes in Arizona?

                              The best car insurance companies in Arizona

                              The Best Car Insurance Companies in Arizona

                              Car Insurance

                              What You Need to Know About Arizona Minimum Car Insurance

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