Key Takeaways
- Arizona has a 12% uninsured motorist rate and roadways have a 33% higher fatality rate than the national average.
- However, Arizonans pay 13% less than the national average.
- State minimum insurance in Arizona requires $25,000/$50,000/$15,000 coverage.
Drivers in Arizona pay moderately lower car insurance premiums compared to the rest of the country in spite of the the state having a nearly 12% uninsured motorist rate. The Grand Canyon State also has a significant number of traffic accidents due to its highways and major interstate roadways, especially in cities like Phoenix, Scottsdale and Tucson. These roadways have a fatality rate that’s significantly higher than the national average.
The state also has its own unique extreme weather to deal with. Arizona’s monsoon season, which runs from June through September, brings dust storms that can lower driving visibility along with heavy rains, high winds and flash floods — all of which can drive up the risk of auto accidents.
Typically, Arizona drivers pay $155 monthly for minimum coverage, according to a Jerry analysis. The average cost of full coverage insurance is $298 monthly. This rate is 13% lower than the national average of $340.
To find the best car insurance in Arizona, compare car insurance quotes from multiple insurers.
What are Arizona’s minimum requirements for car insurance?
Arizona law mandates that all drivers carry minimum liability insurance coverage to legally drive. Even drivers of golf carts, mopeds, and/or motorcycles have to get the minimum coverage.
The required minimums of this coverage, which helps pay for the costs of injuries or property damage if you end up causing an accident, have limits of “25/50/15.” Let’s take a closer look at what the minimum requirements are and their coverage limits:
- $25,000 for bodily injury per person in an accident.
- $50,000 for bodily injury to two or more people in an accident.
- $15,000 for damage to other peoples’ property.
Cheapest minimum coverage insurance in Arizona
Check out the quotes for state minimum coverage in Arizona.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $109 | $1,312 |
| Aspire Advantage | $109 | $1,314 |
| Bluefire | $116 | $1,397 |
| National General | $130 | $1,565 |
| Mendota | $132 | $1,581 |
| Assurance America | $147 | $1,768 |
| Progressive | $149 | $1,794 |
| Trexis | $152 | $1,822 |
| Commonwealth Insurance | $155 | $1,854 |
| Dairyland | $171 | $2,055 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Arizona
Full coverage in Arizona is more expensive than state minimum coverage, but it can be worth considering, whether it’s required or simply for the added peace of mind and financial protection. Take a look at quotes from different insurance providers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $210 | $2,518 |
| Progressive | $219 | $2,630 |
| Assurance America | $228 | $2,731 |
| Aspire Advantage | $231 | $2,773 |
| Anchor General | $241 | $2,891 |
| Bluefire | $264 | $3,172 |
| Mendota | $265 | $3,184 |
| National General | $267 | $3,199 |
| Commonwealth Insurance | $306 | $3,669 |
| Kemper | $326 | $3,918 |
Cheapest car insurance for young drivers in Arizona
Young drivers tend to pay the highest insurance rates throughout the United States, and young Arizonans in a similar boat.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $420 | $5,040 |
| 21-24 | $324 | $3,882 |
Cheapest liability-only policy in Arizona for a 20 year old
Check out the cheapest policies for a 20-year-old driver in Arizona.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | 20 | $216 | $2,594 |
| Commonwealth Insurance | 20 | $227 | $2,721 |
| National General | 20 | $230 | $2,757 |
| Mendota | 20 | $239 | $2,867 |
| Trexis | 20 | $241 | $2,894 |
Cheapest full coverage policy in Arizona for a 20 year old
Check out the quotes for full coverage in Arizona for a 20-year-old driver.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | 20 | $411 | $4,931 |
| Progressive | 20 | $459 | $5,513 |
| Mendota | 20 | $483 | $5,794 |
| Trexis | 20 | $518 | $6,210 |
| Dairyland | 20 | $526 | $6,314 |
| ROOT | 20 | $531 | $6,376 |
| National General | 20 | $552 | $6,629 |
| Commonwealth Insurance | 20 | $590 | $7,085 |
| Bluefire | 20 | $613 | $7,355 |
| Gainsco | 20 | $763 | $9,151 |
Average car insurance for mature drivers in Arizona (25-54 years old)
As you get deeper into adulthood, auto insurance quotes drop. Check out some of the quotes for various age groups of Arizona drivers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $225 | $2,703 |
| 35-44 | $191 | $2,287 |
| 45-54 | $177 | $2,122 |
Cheapest liability-only policy in Arizona for a 36 year old
Jerry’s customer’s average age is 36. For Arizonans, the cheapest quotes for a 36-year-old come from a variety of providers.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 36 | $70 | $845 |
| Aspire Advantage | 36 | $102 | $1,225 |
| Bluefire | 36 | $103 | $1,234 |
| National General | 36 | $112 | $1,343 |
| Commonwealth Insurance | 36 | $113 | $1,357 |
Cheapest full coverage policy in Arizona for a 36 year old
If you’re seeking full coverage, these are the quotes, ranked from the cheapest to more expensive quotes.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Safeco | 36 | $111 | $1,335 |
| Aspire Advantage | 36 | $195 | $2,335 |
| Progressive | 36 | $196 | $2,355 |
| Commonwealth Insurance | 36 | $239 | $2,866 |
| Mendota | 36 | $242 | $2,909 |
| Assurance America | 36 | $245 | $2,936 |
| Bluefire | 36 | $250 | $3,004 |
| Trexis | 36 | $254 | $3,052 |
| National General | 36 | $260 | $3,125 |
| Dairyland | 36 | $307 | $3,680 |
Average car insurance for older drivers (55+ years old)
Older drivers in the United States tend to see their quotes continue to drop until they hit a certain age in their senior years where rates start increasing.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $165 | $1,980 |
| 65+ | $153 | $1,832 |
Cheapest liability-only policy in Arizona for a 65 year old
Rates continue to hover in the double-digits with many insurers for a 65-year-old Arizonan:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | 65 | $81 | $972 |
| Mendota | 65 | $83 | $995 |
| Trexis | 65 | $100 | $1,195 |
| Dairyland | 65 | $103 | $1,239 |
| Progressive | 65 | $105 | $1,261 |
Cheapest full coverage policy in Arizona for a 65 year old
Check out the cheapest full coverage policies in Arizona for a 65-year-old driver.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 65 | $120 | $1,439 |
| Aspire Advantage | 65 | $125 | $1,500 |
| Commonwealth Insurance | 65 | $140 | $1,676 |
| Progressive | 65 | $169 | $2,031 |
| Assurance America | 65 | $177 | $2,118 |
| Mendota | 65 | $191 | $2,289 |
| Safeco | 65 | $210 | $2,514 |
| Bristol West | 65 | $220 | $2,640 |
| National General | 65 | $235 | $2,821 |
| Trexis | 65 | $260 | $3,121 |
Average car insurance for drivers with clean records in Arizona
A clean record with no violations or claims will generally get you a favorable quote. Check out the average quotes and also the cheapest insurers for Arizonans with clean driving records.
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|
| $189 | $2,270 |
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $83 | $998 |
| Aspire Advantage | $115 | $1,375 |
| Mercury | $140 | $1,682 |
| Anchor General | $142 | $1,706 |
| Bluefire | $151 | $1,815 |
| Plymouth Rock | $158 | $1,902 |
| Progressive | $161 | $1,930 |
| First American | $163 | $1,952 |
| Safeco | $164 | $1,973 |
| Allstate | $165 | $1,977 |
Average car insurance for drivers with low credit scores in Arizona
Arizonans with better credit scores tend to see a better price for car insurance as Jerry’s data shows:
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 550-659 | $237 | $2,845 |
| 660-750 | $221 | $2,651 |
| <550 | $248 | $2,976 |
| 750+ | $175 | $2,106 |
If you have a lower credit score, check out these insurance companies who may offer a more favorable rate.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Embark General | <550 | $76 | $914 |
| Aspire Advantage | <550 | $126 | $1,509 |
| Mercury | <550 | $149 | $1,790 |
| Travelers | <550 | $172 | $2,063 |
| Kemper | <550 | $173 | $2,076 |
Cheapest car insurance for drivers with at-fault accidents in Arizona
Getting involved in an accident will lead to higher insurance rates, as illustrated by the averages from Jerry customers.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| At Fault With Injury | $290 | $3,483 |
| At Fault With No Injury | $266 | $3,186 |
| Not At Fault | $238 | $2,857 |
| $216 | $2,589 |
Cheapest car insurance for drivers with at-fault accidents with no injury in Arizona
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | At Fault With No Injury | $128 | $1,541 |
| Anchor General | At Fault With No Injury | $131 | $1,568 |
| National General | At Fault With No Injury | $188 | $2,253 |
| Bluefire | At Fault With No Injury | $210 | $2,525 |
| Progressive | At Fault With No Injury | $218 | $2,610 |
Cheapest car insurance for drivers with at-fault accidents with injury in Arizona
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Aspire Advantage | At Fault With Injury | $125 | $1,495 |
| Gainsco | At Fault With Injury | $157 | $1,887 |
| National General | At Fault With Injury | $182 | $2,187 |
| Mendota | At Fault With Injury | $219 | $2,626 |
| Bluefire | At Fault With Injury | $227 | $2,727 |
Cheapest car insurance for drivers with speeding tickets in Arizona
If you have a speeding ticket on your record, your insurance rates will go up — and the higher your speed when you were caught speeding, the more costly your car insurance is likely to be.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Speeding over 15 | $304 | $3,646 |
| Speeding under 15 | $248 | $2,977 |
While having a speeding ticket will likely influence your premiums, check out these quotes to see which insurance companies might give you the best quotes.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $140 | $1,680 |
| National General | $208 | $2,496 |
| Safeco | $215 | $2,580 |
| Progressive | $222 | $2,660 |
| Bluefire | $222 | $2,665 |
| Assurance America | $264 | $3,171 |
| Mendota | $269 | $3,225 |
| Trexis | $284 | $3,406 |
| Commonwealth Insurance | $287 | $3,442 |
| Gainsco | $316 | $3,788 |
Cheapest car insurance for drivers with a DUI in Arizona
Getting caught driving after you’ve had a few too many drinks will result in an increased average price quote.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| DUI | $224 | $2,689 |
| $201 | $2,416 |
Nonetheless, shopping around for insurance even if you have a DUI on your record could result in some savings. Here are some of the lowest priced insurers in Arizona.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $55 | $655 |
| Aspire Advantage | $84 | $1,010 |
| Progressive | $180 | $2,156 |
| Assurance America | $193 | $2,314 |
| Trexis | $206 | $2,471 |
| Bluefire | $208 | $2,491 |
| National General | $208 | $2,497 |
| Mendota | $224 | $2,690 |
| Gainsco | $253 | $3,031 |
| Commonwealth Insurance | $265 | $3,177 |
Average car insurance for drivers with other violations in Arizona
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $241 | $2,888 |
| Cell Phone | $313 | $3,759 |
| Defective Equipment | $250 | $2,999 |
| Driving on Sus. License | $230 | $2,760 |
| Eluding Police | $272 | $3,260 |
| Failure to Obey Traffic Sign | $263 | $3,155 |
| Illegal Turn | $265 | $3,176 |
| Improper Passing | $274 | $3,290 |
| Leaving scene of an Accident/Hit and Run | $152 | $1,824 |
| Open Container | $361 | $4,336 |
| Other | $245 | $2,945 |
| Passing School Bus | $188 | $2,261 |
| Racing/Drag Racing | $282 | $3,387 |
| Reckless Driving | $168 | $2,013 |
| Seat Belt | $148 | $1,780 |
| Suspension | $258 | $3,093 |
| Vehicle Theft | $66 | $791 |
| Wrong Way/Wrong Lane | $244 | $2,928 |
Is uninsured/underinsured (UM/UIM) motorists coverage required in Arizona?
Arizona does not require drivers to carry uninsured/underinsured motorist coverage, but it can be beneficial to add both to your policy for added financial protection. There’s no guarantee that all drivers on the roadways have adequate coverage.
If you get into an accident or a hit-and-run with an uninsured person who causes the collision, UM coverage helps pay for injuries to you and your passengers, plus other losses.
UIM, or underinsured motorist coverage, takes effect when the at-fault driver of an accident has insurance but does not have adequate coverage for the incident.
What is full coverage car insurance in Arizona?
Drivers with full coverage have broader protection than what Arizona’s minimum requirements provide. A full coverage car insurance policy in Arizona includes:
- Liability insurance: Covers injuries or damage you cause to someone else in an accident.
- Collision coverage: Helps pay for repairs to your vehicle that result from an accident regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.
How are car insurance premiums determined in Arizona?
Drivers pay different rates across the state because insurance carriers base premiums on numerous factors, which may include:
- Driving record.
- Traffic tickets and violations history.
- Claims history.
- Age and marital status.
- Where you live.
- The vehicle you drive.
- Policy deductibles.
- Credit score.
- Annual mileage.
How can you find the best cheap car insurance rates in Arizona?
There are a few things you can do to help reduce what you pay for car insurance:
- Be a defensive driver and maintain a safe driving record by avoiding traffic violations.
- Shop around to compare quotes from multiple insurers. This is the ideal way to find the best cheap car insurance in Arizona and you should do it multiple times per year.
- Your credit score is a major factor influencing what you pay for car insurance, so take a look at your credit score and devise a plan to boost it. Why? People with low (300-579) and average (580-669) credit scores pay an average of double the rate for their premiums than drivers with great credit.
- Try to bundle your policies for home and auto insurance from the same insurer for a discount.
In general, comparing quotes from multiple insurers is key to finding the best cheap premium. It’s a good rule of thumb to compare quotes a few times a year to make sure you get the best cheap rate possible.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
