Drivers in Arizona pay competitive rates for car insurance. In 2017, Arizona drivers were in the middle-of-the-pack when it came to car insurance prices, with the average driver paying about $1,350 for car insurance per year.
Car insurance is mandatory in Arizona. However, that doesn’t mean you have to get stuck paying high car insurance prices. In fact, there are dozens of good car insurance companies serving drivers across the state. All major nationwide insurance companies are available to drivers in Arizona. There are also several smaller regional providers that offer affordable rates.
Our users report that Freedom National, Auto Owners, Titan, and Ameriprise Group all offer some of the lowest car insurance prices in the state of Arizona, for example, among smaller providers. Meanwhile, of the nationwide companies, State Farm, Farmers, Progressive, Allied, and American Family all offered competitive prices.
Of course, no matter which Arizona auto insurance company you plan to pick, it’s imperative that you compare quotes today. Check Arizona car insurance prices online by typing your ZIP code into the online form above. You’ll get a minimum of 10 quotes from some of the state’s best car insurance companies – including large and small providers. Choose the one with coverage that meets your budget and lifestyle.
Car Insurance Prices Vary by City
Arizona is the sixth largest state in the United States. However, the vast majority of the population lives in the greater Phoenix area.
Typically, drivers in urban areas pay higher rates for car insurance than drivers in urban areas. That’s why Phoenix drivers will pay more for car insurance than drivers in smaller cities – like Flagstaff, for example. When you drive in an urban area, you’re more likely to get involved in a collision than when you drive in a rural area. Expect to pay higher than average prices when insuring a vehicle in the greater Phoenix area, including in surrounding cities like Mesa, Scottsdale, and Glendale.
Nevertheless, Arizona drivers in smaller cities like Tucson may notice significantly lower prices. Even drivers in the outlying suburban cities around Phoenix – like Chandler – may notice lower prices than drivers with a Phoenix ZIP code.
Arizona Insurance Rules And Regulations
As a resident of the state of Arizona, a “Tort” state, you are responsible for any and all property damage and injuries incurred in an accident in which you are at fault. All drivers are required to provide proof of financial responsibility, which can be obtained in one of the following ways:
- A standard auto insurance policy
- A certificate of insurance, a bond, or a certificate of deposit or cash in the amount of $40,000
If you choose to purchase an auto insurance policy, you must maintain minimum liability requirements. Arizona has relatively low minimum liability requirements (15/30/10 – see the chart below for more information). Keep in mind that these are only the minimum requirements of the state, and choosing a larger policy may help protect you and your financial interests further on down the road. Optional policies for collision, comprehensive, medical payments, uninsured as well as underinsured motorists are all offered by Arizona auto insurance companies.
|Coverage Type||Required?||Minimum Coverage Amount Required|
|Bodily Injury Liability||Yes||$15,000 per person$30,000 per accident|
|Property Damage Liability||Yes||$10,000|
|Uninsured Motorist Bodily Injury||No||$15,000 per person$30,000 per accident|
|Underinsured Motorist Bodily Injury||No|
Auto Insurance for Leased Vehicles in Arizona (AZ)
Most leasing companies in Arizona typically require drivers to maintain insurance coverage which exceeds the minimums set by Arizona state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000
- Comprehensive and collision coverage: $500 maximum deductible
Compare Car Insurance Providers in Arizona Online Today
All of this information boils down to one simple lesson: when you’re shopping for car insurance in Arizona, it’s crucial that you compare car insurance quotes online for free.
Enter your ZIP code up top for a free Arizona car insurance comparison. You’ll receive a minimum of 10 insurance quotes from Arizona’s leading providers. Choose the quote that best fits your lifestyle and budget. Whether you’re buying basic liability coverage or comprehensive coverage, you can depend on us to find the most cost-effective car insurance in Arizona.
Contacts for Auto Insurance Information in Arizona
|Arizona Department of Transportation: Motor Vehicles Division
PO Box 2100
Phoenix, AZ 85001
|Arizona Department of Insurance
2910 N. 44th Street
Phoenix, AZ 85018-7269