Cheap Car Insurance in Arizona 2021

Last modified: January 22, 2021

If you are looking for cheap car insurance in AZ, we got you covered! Read our reviews of the best car insurance options. We got you covered, A to Z.

If you are a motorist looking for cheap car insurance in AZ, The Copper State, we got you covered! People in Arizona face unique challenges when driving on the roads compared to individuals in other states because of the raging flash floods and frequent dust storms that are very common in Arizona. Just like all other states, Arizona requires every driver to have car insurance coverage.

Finding cheap auto insurance in Arizona among the wide range of options available can get quite overwhelming. We can help you choose the insurance coverage that is right for your budget, goals, and needs with our comparison table and tool, and our guide on “How to save on car insurance in Arizona.”.  So, let’s get started!

Minimum State Requirements (Arizona Minimum Auto Insurance)

Arizona requires individuals to carry a minimum amount of auto insurance. Any person who fails to have coverage for Arizona minimum car insurance amount can be served with harsh penalties, including monetary fines and jail time. Under Arizona’s tort system, offenders can also be held liable for property damage expenses or medical costs, physical and emotional suffering and pain, and economic damages such as earning capacity and lost wages.

For drivers in Arizona, the bare minimum Arizona auto insurance requirements are as follows:

  • Bodily injury liability (per accident per person): 15,000 dollars
  • Bodily injury (per accident for all persons): 30,000 dollars
  • Liability (property damage): 10,000 dollars

Other than the aforementioned mandatory insurance, Arizona doesn’t require motorists to carry additional coverage such as personal liability, underinsured/uninsured Motorist, or collision and comprehensive policies. Remember auto insurance coverage can help you save a lot of money if you own valuable assets and properties.

Average Costs

Average Car Insurance Cost Arizona (Age)

Age Group Average Rate
20-30 $1,370.32
30-40 $1,135.12
40-50 $1,067.38
50-60 $1,0 50.79

When it comes to Arizona car insurance quotes, the prices depend on multiple factors. The primary factor that insurance companies consider the most when providing quotes is age. This is because car insurance providers measure the driver’s experience and the accident risks of the driver. Younger drivers often pay higher costs for car insurance as they have less experience, and according to studies, they are more likely to be involved in accidents.

Arizona Car Insurance Rates (Gender)

Gender Group Average Rate
Female $1,182.56
Male $1,180.42

The cost of auto insurance also depends on other factors, including homeowner status, car’s location, and the potential policyholder’s gender. According to research, female drivers are less likely to be involved in road accidents than male drivers, who are more likely to drive without their seatbelt. However, to everyone’s surprise, female drivers, on average, pay higher costs for car insurance. This is mainly because male drivers are involved in a higher number of car accidents, and they also drive more miles.

Best Car Insurance in Arizona (Top Cities)

City Average Rate
Phoenix $1,430
Tucson $1,167
Mesa $1,219
Chandler $1,540

Along with the driver’s age, gender, and experience, car insurance rates also depend on the vehicle’s location. When you work or reside in a major city in Arizona, you might have to pay higher premiums for car insurance coverage. In the chart above, we have collected average auto insurance rates for some popular cities in Arizona, including Phoenix, Tucson, Mesa, and Chandler.

Cheapest Providers

Cheap Arizona Car Insurance for Good Drivers

CSAA: 1,398 dollars per year

Travelers: 1,334 dollars per year

American Family: 1,315 dollars per year

Safeco: 1,141 dollars per year

Geico: 894 dollars per year

Cheap Insurance in Arizona after a DUI

Travelers: 2,111 dollars per year

Progressive: 2,036 dollars per year

Safeco: 1,705 dollars per year

CSAA: 1,672 dollars per year

American Family: 1,365 dollars per year

Cheapest Car Insurance in AZ for Drivers with One At-Fault Crash

Travelers: 1,897 dollars per year

CSAA: 1,800 dollars per year

Safeco: 1,705 dollars per year

Geico: 1,600 dollars per year

American Family: 1,365 dollars per year

Cheap Insurance in Arizona after a Ticket

Travelers: 1,826 dollars per year

Safeco: 1,575 dollars per year

Geico: 1,573 dollars per year

CSAA: 1,543 dollars per year

American Family: 1,365 dollars per year

Cheap Arizona Car Insurance for Good Drivers with Poor Credit

Allstate: 2,734 dollars per year

American Family: 2,215 dollars per year

Travelers: 2,145 dollars per year

Safeco: 1,632 dollars per year

Geico: 1,211 dollars per year

Cheap Insurance for Married Couples in Arizona

The Hartford: 2,120 dollars per year

Progressive: 2,110 dollars per year

American Family: 2,105 dollars per year

Safeco: 1,669 dollars per year

Geico: 1,340 dollars per year

Cheaper Full Coverage in Arizona for Young, Good Drivers

CSAA: 1,623 dollars per year

Travelers: 1,552 dollars per year

American Family: 1,475 dollars per year

Safeco: 1,250 dollars per year

Geico: 969 dollars per year

Arizona Auto Insurance Laws, Traffic Rules and Penalties

Arizona Traffic Laws

Whether you just learned to drive or have been traveling on the roads for years, it is always good to stay up-to-date about  Arizona traffic laws and penalties. This is because the rules keep changing. While we cannot cover all Arizona traffic laws in this section, here are some common ones that you need to be aware of:

Seat Belt Laws

In Arizona, all passengers sitting in the front seat must wear a seat belt at all times. Children under the age of 16 should be restrained properly, no matter the seat they choose to sit in. Since seat belt regulations are considered to be a secondary offense in Arizona, no police officer can stop vehicles if the passengers aren’t wearing a seat belt. However, if an authorized person stops a vehicle for some other traffic offense, the driver can be cited under the seat belt laws.

Texting and Driving Laws

While Arizona doesn’t ban talking while driving, multiple municipalities have ordinances under which drivers are prohibited from using handheld devices. In Phoenix, for instance, you can’t text while driving. Similarly, in Pima County, people are allowed to use a handheld wireless device while driving. Distracted and reckless driving not just gets you a ticket but can endanger many lives. 

Seats for Child Safety

Children who are 4 feet 9 inches tall and under the age of eight are required to be restrained properly in a car seat according to their height, weight, and age in Arizona. Drivers must have a child restraint system installed correctly to avoid any penalties.

Pets in the Car

Domestic animals such as cats, dogs, or other pets cannot be confined or left unattended in a vehicle as it may likely result in injury or even death. In Arizona, drivers can be cited for leaving their pet animals in a hot vehicle. Furthermore, individuals who drive with their pet in the vehicle must ensure the pets sit in the back seat with a pet seat belt as the deployment of an airbag can be hazardous to the animal.

Window Tinting

The window tinting laws in Arizona are quite complex. Any shade of tint can be applied to the passenger windows and the rear window. The tint on the front-door windows must allow over 33% of light in. The windshield can have a non-reflective tint, but it should be above the AS-1 line determined by the vehicle’s manufacturer. Additionally, no tint can be over 35% reflective. Arizona’s law prohibits red colors and amber.

Move-Over Law

In Arizona, drivers are required to move over one lane for:

  • Roadside assistance
  • Stranded drivers
  • Road and highway workers
  • Law enforcement
  • Emergency responders

If changing lanes might be unsafe, you are required to slow down for any vehicle on the roadside and flashing its lights. If you fail to follow this law, it will be considered a moving violation. This law applies to all highways, public roads, surface streets, local roads, and parkways.

Local Ordinances

Many communities have implemented various laws within their borders and continuously update them. Make sure to learn about the traffic laws in any region you decide to drive in. For instance, there is no leeway on the vehicle speed limit in school zones. You shouldn’t even attempt to go one mile over.

Aside from staying up-to-date with Arizona’s traffic laws and penalties, make sure your vehicle is maintained and your auto insurance policy is updated to ensure your and your passengers’ safety.

Arizona Car Insurance Laws

In Arizona, motorists must carry proof of their car insurance policy in their vehicle and show it to an authorized person or a law enforcement officer when inquired. A first offense results in a monetary penalty of 500 dollars and license suspension for up to 3 months. Severe suspensions and heavier fines, along with revocation of driving privileges, may be implemented for subsequent offenses. Repeat offenders may need to surrender their driver’s license, plates, and registration. Moreover, when an uninsured person is involved in an accident, the vehicle in question can be impounded, and the offender can be required to pay the towing and storage fees.

Arizona also requires insurance provider companies to submit confidential information about vehicle insurance, which is then saved in its database. Motorists without insurance coverage are notified and asked to produce proof of their auto insurance policy within 30 days. If they fail to comply, their registration may be suspended. Arizona also conducts survey checks randomly on the status of vehicle insurance of registered car owners and assesses which penalty they should be served with.

Best Car Insurance Companies in Arizona

Company Best For Car Insurance Market Share AM Best Ratings Rates
American Family 10% Auto Premium Relief Credit Program

Safe-driving records

2.3 A Low: $1,328.85

Medium: $1,391.04

High: $1,412.87

GEICO Multiple policy discounts

Top-rated mobile app

13.78 A++ Low: $1,087.80

Medium: $1,167.93

High: $1,254.53

USAA Multiple premium discounts

Rideshare insurance

Multiple policy discounts

6.6 A++ Low: $829.82

Medium: $884.69

High: $939.52

State Farm Multiple policy discounts

Useful mobile app

16.1 A++ Low: $1,143.10

Medium: $1,234.01

High: $1,325.66

Allstate A large network of agents

Many discounts

Easy-to-file claims

9.3 A+ Low: $1,772.46

Medium: $1,880.37

High: $1,983.44

Travelers Wide range of discounts

Accident forgiveness and decreasing deductible options

Insures non-binary drivers

6.2 A+ Low: $1,192

Medium: $1,267

High: $1,335

Detailed Reviews

American Family Car Insurance

American Family is one of the cheapest car insurance in AZ, offering a wide range of auto insurance coverage policies. This car insurance Arizona company offers Gap insurance that helps customers payout if their car is leased, totaled, or has a loan balance. It also offers accidental death and dismemberment coverage along with ridesharing insurance. American Family, being one of the best car insurance companies in Arizona, offers multiple auto insurance discounts, including loyalty discounts, KnowYourDrive app discounts, good driver discounts, multiple vehicle discounts, and multiple policy discounts.

GEICO Car Insurance

For cheap car insurance in AZ experience, GEICO is a solid choice. This cheap auto insurance in Arizona allows customers to get quotes online through their app or phone. It also enables customers to buy a policy without interacting with an agent. GEICO offers a wide range of insurance products and discounts. It also offers rideshare insurance. If you are looking for the best car insurance in Arizona, GEICO, with its high customer service rankings, wide coverage options, and impressive mobile app, makes a compelling choice!

USAA Auto Insurance

Whether you are looking for auto insurance in Phoenix, AZ, or simply the best auto insurance in AZ, USAA may be the right choice for you! It offers multiple premium discounts and several coverage options, allowing customers to find a policy that meets their budget and requirements. While USAA doesn’t provide assistance from insurance agents, it does provide quotes online. This company also has a remarkable reputation for its customer satisfaction and financial strength, making it one of the best car insurance options out there.

State Farm Car Insurance

State Farm is an Arizona auto insurance company that is ideal for drivers looking for a wide range of coverage options. Not only does this auto insurance Arizona company offer several discounts to its customers, allowing them to reduce their premium, but it also combines their policy with renter’s or home insurance, pet insurance, and even life insurance. The company offers access to many local agents that specialize in providing personalized assistance to every customer, enabling them to customize their service according to their personal needs.

Allstate Auto Insurance

If you are looking for cheap car insurance in Tucson, AZ, or any other region in Arizona, Allstate has got you covered. It is one of the top auto insurance companies in Arizona, offering many discounts and several extremely easy-to-use tools. It has a wide network of approximately 10,800 expert agents to help fulfill every customer’s unique needs. While Allstate doesn’t offer the best prices than other companies, it is a great option for drivers in Arizona who are tech-savvy and can benefit from the digital solutions this insurer provides.

Travelers Auto Insurance

Travelers is one of those auto insurance companies in Arizona with a superior financial strength rating and offer some amazing discounts. Additionally, this Arizona car insurance company also covers non-binary drivers, making it a suitable option for many. This company’s two major drawbacks are that their customer service isn’t known to be the best and they don’t have a mobile app. 

 

Weigh all these factors before you finally settle for the best cheap car insurance in AZ state!

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Why is auto insurance in Arizona so expensive?

Auto insurance is quite expensive in Arizona as it has a higher than average fatalities rate related to traffic. While the national average of traffic fatalities per 100 million miles driven is 1.1, in Arizona, it is 1.4. Since providing insurance becomes more expensive, insurers charge higher premiums for coverage.

Is Arizona a no-fault state?

No. It is not a no-fault state. Instead, Arizona is a tort or an at-fault state. This means that the driver responsible for the accident (the at-fault driver) has to use their auto insurance to pay for the bills from the collision of the other driver.

How to reduce car insurance costs in Arizona?

To reduce your car insurance premiums in Arizona, you need to take advantage of your insurance provider’s rewards and discounts. Most insurers offer several discounts, including the following:

  • Passive restraint discount (this is for vehicles with automatic seat belts or airbags)
  • Non-smoker discount
  • Good student discount
  • Multiple vehicle discount
  • Package discount for having your home and vehicle insured by the same insurer
  • Accident-free driver discount

You can also choose to have higher deductibles for your collision and comprehensive coverages to reduce premiums.

What is the best auto insurance in Arizona?

Some of the best auto insurance companies in Arizona include:

  • American Family
  • GEICO
  • USAA
  • State Farm
  • Allstate
  • Travelers