Finding Affordable Auto Insurance In Arizona

Arizona drivers are legally required to have car insurance. The average cost of car insurance in Arizona is $1,482 per year, which is 3% lower than the national average. The cheapest car insurance company in Arizona is Root, with an average annual rate of $827. The most expensive car insurance company in the state is The General, with an average annual rate of $3,035.

What is the average cost of car insurance in Arizona?

The average cost of car insurance in Arizona varies depending on the type of coverage, age, driving record, location, and credit score.

Average Cost of Full Coverage in Arizona

The average annual cost of full coverage car insurance in Arizona is $2,585, while the national average is $2,348. This amounts to a monthly payment of about $215.

Average Cost of Minimum Coverage in Arizona

The average annual cost of minimum coverage car insurance in Arizona is $764, while the national average is $639. This amounts to a monthly payment of about $64.

Average Cost by City in Arizona

The cost of car insurance in Arizona also varies depending on the city. For example, the average annual cost of full coverage in Phoenix, the state's largest city, is $270, while in Tucson, it is $220.

Average Cost by Age and Gender in Arizona

Age and gender also play a role in determining the average cost of car insurance in Arizona. For example, the average annual rate for a 17-year-old female driver is $5,527, while for a 17-year-old male driver, it is $6,324. On the other hand, the average rate for a 60-year-old married couple is around $1,400.

Average Cost by Driving Record in Arizona

The average cost of car insurance in Arizona also increases if you have a poor driving record. For instance, a single speeding ticket can raise your insurance rate by around $71 per month, while an at-fault accident can increase it by about $105 per month. A DUI conviction will further raise your insurance premium.

Average Cost by Credit Score in Arizona

Your credit score can also impact the average cost of car insurance in Arizona. Drivers with poor credit may pay up to 92% more for insurance than those with good credit.

Cheapest Car Insurance in Arizona

State Farm and The Root offer some of the cheapest car insurance rates in Arizona, depending on your specific circumstances.

What is considered full coverage car insurance in Arizona?

In Arizona, full coverage car insurance is a combination of liability, collision, and comprehensive insurance. However, each insurance company will have its own version of these policies, and some may include additional coverage options such as towing services.

Full coverage in Arizona includes:

• Liability insurance: This is mandatory in Arizona and covers the damage you cause in an accident. The minimum liability coverage in Arizona is $25,000 for one person sustaining bodily injury or death, $50,000 for two or more people sustaining bodily injury or death, and $15,000 for damage to others' property.
• Uninsured and underinsured motorist coverage (UM/UIM): This covers your injuries if the other driver is uninsured or doesn't have enough insurance. The minimum limits for UM/UIM coverage are the same as for liability coverage.
• Comprehensive coverage: This pays for damage to your car in non-accident scenarios, such as hail damage, vandalism, or natural disasters.
• Collision coverage: This covers the cost of repairing or replacing your car after an accident, regardless of fault.

Full coverage insurance in Arizona also includes optional collision and comprehensive insurance. Collision insurance covers the cost of repairing or replacing your car if you are in an accident, drive into an object, or flip your car. Comprehensive insurance covers damage to your car from falling objects, natural disasters, floods, fires, theft, vandalism, or animals.

While not required by law, most lenders will require collision and comprehensive insurance in addition to the minimum liability coverage when you finance a car in Arizona.

In addition to the above, many drivers in Arizona also select additional coverages such as emergency roadside service and rental reimbursement.

What are the minimum auto insurance limits required in Arizona?

Arizona drivers are required to have proof of financial responsibility when operating a motor vehicle on Arizona roadways. Most drivers demonstrate their financial responsibility by buying an auto insurance policy.

The minimum coverage limits in Arizona are:

• $25,000 for one person sustaining bodily injury or death in an accident
• $50,000 for two or more persons sustaining bodily injury or death in an accident
• $15,000 for damage to others’ property

These limits are often written as 25/50/15.

The above limits are the minimum coverage requirements in Arizona. However, it is important to consider your specific situation and needs when determining how much car insurance to purchase. A minimum-coverage policy may not provide enough protection in the event of a costly accident. Additionally, if you finance or lease a vehicle, your lender or lessor may require you to carry additional coverages, such as comprehensive and collision insurance.

Is Arizona a no-fault insurance state?

Arizona is not a no-fault state. It is a fault-based insurance system, which means that the person responsible for causing a car accident is also responsible for paying for the damages.

In no-fault states, all parties involved in motor vehicle accidents, whether at fault or not, must first submit their claims to their own insurance companies. However, in Arizona, injured people can directly file their claims with the at-fault driver's insurance carrier.

Arizona follows the pure comparative negligence rule, which means that you can receive a percentage of the damages even if you are more responsible than the other party.

What are the penalties for driving without auto insurance in Arizona?

Driving without insurance in Arizona is a serious offence and can result in severe penalties. While the precise nature of these penalties varies depending on the state, the bottom line remains the same: driving without insurance is a serious offence everywhere.

If you are caught driving without insurance in Arizona, you may face the following consequences:

• Fines: Driving without insurance can result in hefty fines, with amounts varying depending on the state and the number of offences. In Arizona, the fine for a first offence can be up to $500, and subsequent offences can result in even higher fines.
• License suspension: Driving without insurance can lead to the suspension of your driver's license. In Arizona, the license suspension for a first offence can last up to six months, and subsequent offences can result in longer suspensions.
• Registration suspension: In addition to license suspension, your vehicle registration may also be suspended until a reinstatement fee is paid.
• Jail time: In some cases, driving without insurance can result in jail time, especially for repeat offenders. In Arizona, the jail time for a first offence can be up to six months.
• Increased insurance rates: If you are caught driving without insurance, you can expect your insurance rates to increase significantly. Insurance companies consider driving without insurance as high-risk behaviour, and your rates may climb by 25% to 30%.
• Other penalties: There may also be other penalties, such as community service, vehicle impoundment, and reinstatement fees to get your license and registration back.

It is important to note that the consequences of driving without insurance can vary depending on the specific circumstances and the state's laws. It is always best to have valid insurance when driving to avoid these penalties and ensure you are financially protected in the event of an accident.

Frequently asked questions