Best Car Insurance in Arizona
Last Updated on November 19, 2020
Arizona is a middle-of-the-pack state when it comes to car insurance rates. It’s not the cheapest state for car insurance, but it’s far from the most expensive.
The average driver in Arizona pays roughly $1,632 per year for car insurance, slightly higher than the nationwide average of around $1,452. However, drivers in Arizona have plenty of car insurance options available, including small and large car insurance companies offering a range of services to suit all budgets. By shopping around, drivers can pay the lowest possible prices for car insurance in Arizona.
Continue reading below to learn everything about auto insurance coverage in Arizona, including where to buy the cheapest auto insurance in the state and how much insurance is legally required.
Table of Contents:
- Best Auto Insurance Companies in Arizona
- Arizona Auto Insurance Requirements
- Driving Without Insurance in Arizona
- Car Insurance in Arizona with a DUI
- Car Insurance in Arizona with At-Fault Accidents
- Car Insurance in Arizona with Speeding Tickets
- Car Insurance in Arizona for Young Drivers
- Car Insurance in Arizona with Poor Credit
- SR-22 Insurance in Arizona
Top 10 Auto Insurance Companies in Arizona
Arizona drivers have plenty of options when it comes to car insurance. However, some companies repeatedly appear in our rankings and are frequently among the best-rated car insurance companies in Arizona. We’ve highlighted the top 10 best car insurance companies in Arizona below and the average premiums they charge based on our model driver portfolio.
GEICO is the cheapest car insurance provider in many states, and Arizona is no exception. GEICO is America’s second-largest car insurance company, and they have a long track record of providing affordable car insurance across Arizona and other states. Although they have average ratings for claims satisfaction, GEICO offers some of the cheapest car insurance in Arizona, priced at around $913 per year.
|Company Address||5260 Western Avenue
Chevy Chase, MD 20815
Safeco has a surprisingly strong presence in Arizona. Although Safeco is available in most states, it’s rarely the best car insurance provider in any state. In Arizona, Safeco charges particularly cheap prices compared to competitors, with drivers paying roughly $1,232 per year for full coverage car insurance with Safeco.
|Company Address||175 Berkeley Street,
Boston, MA 02116
3. American Family
American Family is well-rated and popular across Arizona. It’s not the cheapest car insurance provider in the state, although it’s fairly close. AmFam, as it’s known, offers many car insurance discounts and coverage options. American Family charges drivers $1,402 per year, on average, for full coverage car insurance in Arizona.
|Company Address||6000 American Parkway
Madison, WI 53783
CSAA is one of the best-rated car insurance companies on this list for customer service and claims satisfaction. It’s slightly higher than other top-ranked Arizona car insurance companies, but pricing remains competitive with other providers listed here. Expect to pay roughly $1,413 per year for full coverage car insurance with CSAA in Arizona.
|Company Address||3055 Oak Road
Walnut Creek, CA 94597
Travelers insures drivers across the United States. Travelers offers a wide range of auto insurance discounts and savings opportunities. In Arizona, Travelers offers relatively competitive rates for full coverage car insurance, with drivers paying approximately $1,498 per year to insure a vehicle.
|Company Address||485 Lexington Ave 10th Fl
New York, NY 10017
6. The Hartford
The Hartford is for drivers willing to pay slightly higher premiums for significantly better coverage and service. Although The Hartford is not as cheap as other providers listed here, it’s relatively affordable in Arizona compared to other states. The Hartford charges as little as $552 per year for basic liability insurance, with full coverage plans priced at $1,632 per year, on average.
|Company Address||One Tower Square
Hartford, CT 06183
USAA is one of the most popular and best-rated car insurance companies in all states in America, and it’s one of the best options in Arizona. Expect to pay as little as $832 per year for full coverage car insurance with USAA. The reason USAA is further down this list of the best car insurance companies in Arizona is that the company restricts membership to US military personnel and their families. If you qualify for USAA, however, then it’s an excellent option in Arizona.
|Company Address||9800 Fredericksburg Road
San Antonio, TX 78288
Progressive is relatively popular in Arizona, and the company is known for offering competitive premiums across the desert. Progressive policyholders enjoy many money-saving perks including the Snapshot program and the Name Your Price tool. Expect to pay approximately $1,645 per year with Progressive in Arizona.
|Company Address||6300 Wilson Mills Road
Mayfield Village, OH 44143
Allstate is one of the biggest and best-known insurance companies in the United States, and they offer cheap car insurance premiums in Arizona relative to other providers. The company, like other large insurance providers, has average ratings for customer service and claims satisfaction, although Allstate insures thousands across Arizona at a reasonable rate, with average pricing around $1,697 per year.
|Company Address||2775 Sanders Road
Northbrook, IL 60062
10. State Farm
State Farm is America’s largest car insurance provider, and State Farm continues to offer affordable coverage within Arizona for all types of drivers, including young and old drivers, urban and rural drivers, and drivers with all types of credit. The average State Farm customer pays roughly $1,702 per year for car insurance in Arizona.
|Company Address||1 State Farm Plaza
Bloomington, IL 61701
Arizona Insurance Requirements
Arizona, like most states, requires drivers to carry insurance to legally drive on roads.
Arizona has average car insurance requirements compared to other states.
According to Arizona Motor Vehicle Department (MVD) requirements, Arizona drivers are required to carry the following:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $15,000 of property damage liability coverage
Insurance companies express this plan as a 25/50/15 plan. If you buy car insurance from a licensed provider in Arizona, then your car insurance will (at least) meet the minimum requirements for the state of Arizona.
Many drivers choose to exceed these requirements for added protection. You might add uninsured or underinsured driver coverage to your car insurance policy, for example, or increase your liability limits to reduce risk.
Other coverage options, including collision coverage (which covers damage to your own vehicle after an accident) and comprehensive coverage (which covers non-accident-related damage), are optional in Arizona, just like they’re optional in every other state.
Driving without Insurance in Arizona
It is illegal to drive without insurance in Arizona. If you are caught driving without insurance in Arizona, then you could face fines, license suspension, higher auto insurance premiums, and other penalties.
The penalty for driving without insurance increases based on the number of offenses. Here’s how driving without insurance penalties work based on the number of offenses:
- First Offense: $500 fine, 3-month suspension of driver’s license, registration, and license plate, $35 reinstatement fee, and SR-22 insurance requirement for 2 years.
- Second Offense: $750 fine, 6-month suspension of driver’s license, registration, and license plate, $35 reinstatement fee, and SR-22 insurance requirement for 2 years.
- Third Offense: $1,000 fine, 1-year suspension of driver’s license, registration, and license plate, $35 reinstatement fee, and SR-22 insurance requirement for 2 years.
Drivers caught without insurance must carry SR-22 insurance for 2 years after the incident. SR-22 insurance is a type of high-risk auto insurance. You buy the SR-22 certificate from any car insurance company to verify you’re covered. It costs significantly more than standard auto insurance, so you can expect much higher insurance prices if caught driving without insurance in Arizona.
Car Insurance in Arizona with DUI
Getting a DUI will always raise car insurance premiums in Arizona. However, some car insurance companies treat DUIs less severely than others. With some companies, your car insurance premiums will only increase by 30% to 50% after your first DUI, although you can expect much higher insurance premiums for your second DUI and beyond.
The best car insurance companies for drivers in Arizona with a driving under the influence (DUI) or driving while intoxicated (DWI) conviction include:
- American Family: $1,402 per year
- GEICO: $1,532 per year
- CSAA: $1,707 per year
- The Hartford: $1,821 per year
- Allstate: $1,976 per year
Arizona has a 7-year lookback period for DUIs, and the state has relatively strict DUI laws overall. If you are convicted of a second DUI within the 7-year window after your last DUI, then you could face much more severe penalties for driving under the influence.
Car Insurance in Arizona with At-Fault Accidents
Thousands of Arizona drivers have one or more at-fault accidents on their record. Fortunately, you can still find affordable car insurance with an at-fault accident on your record. Some car insurance companies have accident forgiveness, allowing you to virtually eliminate a single minor at-fault accident from your record. Others are relatively lax towards drivers with poor driving history.
The best car insurance companies in Arizona for drivers with at-fault accidents include:
- GEICO: $1,416 per year
- CSAA: $1,532 per year
- American Family: $1,543 per year
- State Farm: $1,746 per year
- American Family: $1,811 per year
Car Insurance in Arizona with Speeding Tickets
Speeding tickets raise insurance premiums in Arizona – just like they raise premiums in all other states. A single speeding ticket might only raise rates by 5% to 10% (if at all). Subsequent speeding violations, however, could lead to significantly higher insurance premiums.
Some of the best car insurance companies in Arizona for drivers with a speeding ticket include:
- GEICO: $1,336 per year
- CSAA: $1,442 per year
- American Family: $1,443 per year
- State Farm: $1,602 per year
- American Family: $1,711 per year
Car Insurance in Arizona for Young Drivers
Whether you’re in Arizona or any other state, car insurance for young drivers is always expensive. Drivers under 25 are statistically some of the riskiest drivers to insure. That means higher insurance premiums even if you insure a vehicle through your parents. If living on their own, young Arizona drivers could pay over $4,000 per year for full coverage car insurance.
Fortunately, some Arizona insurers welcome young drivers into their insurance pool. Consider requesting a quote from the following companies if you’re a young driver looking for a full coverage car insurance plan in Arizona:
- Safeco: $1,603 per year
- GEICO: $1,742 per year
- American Family: $1,832 per year
- CSAA: $1,902 per year
- State Farm: $2,053 per year
Car Insurance in Arizona with Poor Credit
Arizona car insurance companies check your credit score to calculate risk. Drivers with a bad credit score are much riskier to insure than drivers with a good credit score.
Although neighboring California bans the use of credit score to calculate insurance premiums, Arizona does not. Drivers with a high credit score will pay lower rates in Arizona. Drivers with a bad credit score, meanwhile, can pay lower rates by buying from the following insurers:
- GEICO: $2,102 per year
- Safeco: $2,234 per year
- CSAA: $2,302 per year
- State Farm: $2,491 per year
- Allstate: $2,543 per year
SR-22 Insurance in Arizona
Certain high-risk drivers in Arizona are required to obtain SR-22 insurance. If you let car insurance lapse, or if you had multiple claims or accidents within a short window, then you may need SR-22 insurance.
Expect to pay about 40% higher rates when buying SR-22 insurance in Arizona.
If you require SR-22 insurance in Arizona, then the Arizona MVD will send you a notice. You must shop around for SR-22 insurance with different providers, then present the SR-22 certificate to the MVD to reinstate your license. Although you’ll pay higher rates for car insurance, you’ll be able to legally drive.
Most drivers are required to maintain an SR-22 certificate on the vehicle with the MVD for 2 to 3 years before dropping the certificate (assuming you maintain a clean driving record).
Drivers who cause an accident within that window, or drivers with more serious convictions on their driving record, may need to carry the SR-22 certificate for longer.
The average cost of an SR-22 certificate in Arizona is around $1,790 per year, although rates vary widely based on your driving history and the reason for an SR-22. There’s a difference between a DUI and a lapse in coverage, for example.
Conclusion: How to Find the Best Auto Insurance in Arizona
Auto insurance rates in Arizona are not cheap, but Arizona is far from the most expensive state to insure your vehicle. The average Arizonan pays $1,632 per year for car insurance. This is compared to the nationwide average of $1,452.
Arizona car insurance companies assess risk in different ways. By shopping with different companies and comparing providers, you can find the best car insurance company in Arizona based on your unique driver profile.