As automobile insurance coverage costs go up, it’s a wise transfer for drivers in Arizona to match totally different insurance policies to seek out the most affordable protection available. Our evaluations staff has researched one of the best automobile insurance coverage firms nationwide. We rigorously examined the status, buyer satisfaction, protection choices, and common premiums of every supplier.
In this assessment, we are going to present you the way to save money on insurance coverage and the place to seek out essentially the most inexpensive automobile insurance coverage in Arizona primarily based in your driving profile.
Key Points
- USAA is the most affordable automobile insurance coverage firm in Arizona general, with a median fee of $28 per 30 days for minimal protection and $173 per 30 days for full protection.
- GEICO and Auto-Owners additionally provide inexpensive automobile insurance coverage charges for a lot of driver profiles.
- If drivers are underneath 25 or have site visitors violations on their file, their automobile insurance coverage charges might be greater than the typical.
- You can save on automobile insurance coverage by choosing minimal protection, in search of reductions, rising your deductible, and bundling your auto insurance coverage with different insurance policies.
Each automobile insurance coverage firm has its personal manner of evaluating driver profiles. This implies that the supplier that’s most cost-effective for one driver might not be the most affordable for you. For occasion, let’s check out essentially the most inexpensive auto insurance coverage suppliers and their charges for numerous driver profiles in Arizona.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum protection | USAA | $28 | $334 |
| Full protection | GEICO | $101 | $1,214 |
| 16-year-olds | GEICO | $100 | $1,196 |
| 45-year-olds | USAA | $24 | $292 |
| High-risk drivers | USAA | $47 | $568 |
| After a dashing ticket | USAA | $35 | $423 |
| After an accident | USAA | $42 | $508 |
| After a DUI | State Farm | $54 | $651 |
| Poor credit score drivers | GEICO | $32 | $382 |
*Unless said in any other case, common prices are minimum-coverage charges for single male drivers between the ages of 25 and 35 with good credit score and a clear driving historical past.
What Is The Cheapest Car Insurance Company In Arizona?
In normal, we found that USAA offers essentially the most inexpensive automobile insurance coverage in Arizona for many kinds of drivers. The following sections will cowl the typical month-to-month prices of each minimum- and full-coverage automobile insurance coverage from the most affordable firms in Arizona.
These costs apply to drivers in Arizona with various ages, places, and driving experiences. The most cost-effective firms are organized by minimal protection prices.
Cheapest Minimum Coverage In Arizona: USAA
Drivers in search of essentially the most inexpensive protection that simply meets Arizona state minimal necessities might discover it at USAA for about $28 per 30 days or $334 per 12 months on common.
| Cheapest Car Insurance in Arizona | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $28 | $334 |
| GEICO | $32 | $382 |
| Auto-Owners | $35 | $415 |
| Travelers | $43 | $514 |
| State Farm | $50 | $602 |
| Progressive | $61 | $729 |
| Allstate | $77 | $928 |
| AAA | $84 | $1,009 |
| The Hartford | $86 | $1,026 |
| Farmers | $86 | $1,026 |
Cheapest Full Coverage In Arizona: GEICO
GEICO is the only option if you would like essentially the most full protection for one of the best value. The supplier affords full-coverage insurance coverage for a median of $101 per 30 days.
Full-coverage insurance coverage insurance policies in Arizona typically embrace legal responsibility insurance coverage, uninsured/underinsured motorist protection, collision protection, and complete insurance coverage.
| Cheapest Car Insurance in Arizona | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $101 | $1,214 |
| Travelers | $127 | $1,523 |
| Auto-Owners | $142 | $1,707 |
| Progressive | $152 | $1,826 |
| State Farm | $170 | $2,037 |
| USAA | $173 | $2,076 |
| Farmers | $221 | $2,653 |
| AAA | $243 | $2,916 |
| Allstate | $244 | $2,928 |
| The Hartford | $281 | $3,372 |
Cheapest Car Insurance In Arizona: Age
Below, you’ll discover common insurance coverage prices for Arizona drivers ages 16 to 55 in addition to the highest 5 budget-friendly automobile insurance coverage firms for every age group. Drivers who’re between the ages of 30 and 55 usually obtain essentially the most inexpensive automobile insurance coverage charges as a result of they’ve extra street expertise. Additionally, they’ve decrease possibilities of stepping into accidents in comparison with younger drivers, in line with statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $272 | $764 |
| 25 | $63 | $201 |
| 35 | $53 | $170 |
| 45 | $51 | $161 |
| 55 | $47 | $149 |
Cheapest Arizona Car Insurance: Young Drivers
As talked about, new drivers and early 20s sometimes pay the most costly automobile insurance coverage charges. That is usually as a result of these drivers don’t have a lot apply driving and usually tend to break site visitors guidelines and get into automobile accidents.
In truth, the deadly crash fee per mile pushed for teen drivers was almost thrice the speed for drivers 20 years old and older in 2021, in line with the Insurance Institute for Highway Safety.
Cheapest Arizona Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the mother or father of 1, GEICO could also be your greatest wager for locating essentially the most inexpensive automobile insurance coverage in Arizona.
The firm’s most cost-effective common charges for 16-year-old drivers are $100 per 30 days or $1,196 per 12 months, which is comparatively inexpensive in comparison with different states. If you’re in search of full protection, the typical is $311 per 30 days or $3,736 per 12 months from GEICO.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $100 | $311 |
| Auto-Owners | $147 | $476 |
| Travelers | $152 | $425 |
| USAA | $171 | $953 |
| State Farm | $211 | $597 |
| Allstate | $261 | $793 |
| Progressive | $331 | $870 |
| AAA | $391 | $822 |
| The Hartford | $396 | $1,252 |
| Farmers | $557 | $1,140 |
Cheapest Arizona Car Insurance For 25-Year-Olds: USAA
Car insurance coverage prices go down rather a lot for young drivers of their 20s, while you evaluate them to what youngsters pay. But the charges can nonetheless be excessive for this age group, relying on the insurance coverage firm you choose.
USAA offers the most affordable automobile insurance coverage prices on common at $30 per 30 days or $360 per 12 months for minimal protection. GEICO prices $108 per 30 days or $1,292 per 12 months for full protection.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $30 | $187 |
| GEICO | $34 | $108 |
| Auto-Owners | $39 | $162 |
| Travelers | $43 | $131 |
| State Farm | $56 | $191 |
| Progressive | $64 | $162 |
| Allstate | $83 | $260 |
| AAA | $88 | $252 |
| Farmers | $96 | $234 |
| The Hartford | $96 | $322 |
Cheapest Arizona Car Insurance: Adult Drivers
People who’re of their 40s often have the least costly automobile insurance coverage charges. You can evaluate common charges of drivers of their 30s, 40s, and 50s from the highest 5 most cost-effective firms for every age group beneath.
Cheapest Arizona Car Insurance For 35-Year-Olds: USAA
Drivers of their mid-30s might insure their automobiles on the most cost-effective cost by getting a minimal protection automobile insurance coverage coverage from USAA. The firm affords common minimum-coverage prices of $26 per 30 days or $307 per 12 months. For full protection, GEICO’s charges common $95 month-to-month or $1,136 yearly.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $26 | $159 |
| GEICO | $30 | $95 |
| Auto-Owners | $30 | $123 |
| Travelers | $42 | $123 |
| State Farm | $45 | $148 |
| Progressive | $57 | $142 |
| Allstate | $72 | $228 |
| The Hartford | $75 | $240 |
| Farmers | $75 | $209 |
| AAA | $80 | $234 |
Cheapest Arizona Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers might discover essentially the most inexpensive minimal protection from USAA, with common charges of $24 per 30 days or $292 per 12 months. The most cost-effective full protection comes from GEICO at $99 per 30 days or $1,190 per 12 months.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $24 | $148 |
| Auto-Owners | $28 | $118 |
| GEICO | $31 | $99 |
| Travelers | $39 | $111 |
| State Farm | $46 | $147 |
| Progressive | $56 | $135 |
| The Hartford | $63 | $205 |
| Allstate | $72 | $228 |
| Farmers | $73 | $193 |
| AAA | $74 | $228 |
Cheapest Arizona Car Insurance For 55-Year-Olds: USAA
Drivers who’re of their fifties often get essentially the most inexpensive automobile insurance coverage charges in Arizona via USAA. The insurer’s common premiums are $23 month-to-month or $278 yearly for minimal protection. The most cost-effective full protection choice is from GEICO, costing $99 month-to-month or $1,190 yearly
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $23 | $140 |
| Auto-Owners | $26 | $113 |
| GEICO | $31 | $93 |
| Travelers | $37 | $101 |
| State Farm | $44 | $139 |
| Progressive | $54 | $120 |
| The Hartford | $55 | $187 |
| Allstate | $67 | $202 |
| AAA | $68 | $217 |
| Farmers | $69 | $179 |
Cheapest Car Insurance In Arizona: High-Risk Drivers
Besides the kind of protection and age, how safely you drive is a big consider figuring out your automobile insurance coverage cost. Auto insurers sometimes decide in case you’re a high-risk driver by taking a look at what number of infractions are in your driving file, together with dashing tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who’re thought of high-risk need to pay automobile insurance coverage charges which are greater than the typical charges as a result of they’ve a number of violations on their driving information. On common, Arizona motorists who’re deemed high-risk might discover essentially the most inexpensive charges from USAA for minimal protection or GEICO for full protection.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $47 | $296 |
| GEICO | $52 | $162 |
| Travelers | $54 | $172 |
| State Farm | $56 | $186 |
| Auto-Owners | $66 | $235 |
| Progressive | $74 | $203 |
| Farmers | $120 | $300 |
| AAA | $123 | $361 |
| The Hartford | $129 | $409 |
| Allstate | $138 | $377 |
Cheapest Arizona Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a dashing quotation on their file can typically discover essentially the most inexpensive protection from USAA, with common charges of $35 per 30 days or $423 per 12 months for minimal protection and $223 per 30 days or $2,682 per 12 months for full protection.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $35 | $223 |
| GEICO | $36 | $119 |
| Travelers | $50 | $162 |
| State Farm | $54 | $181 |
| Auto-Owners | $73 | $254 |
| Progressive | $74 | $200 |
| AAA | $104 | $302 |
| Farmers | $110 | $282 |
| The Hartford | $116 | $373 |
| Allstate | $131 | $367 |
Cheapest Arizona Car Insurance For Drivers With An At-Fault Accident: USAA
If you trigger a automobile accident in Arizona, your automobile insurance coverage charges might go up. USAA tends to supply essentially the most inexpensive charges on common at about $42 per 30 days or $508 per 12 months for minimal protection and $253 per 30 days or $253 per 12 months for full protection.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $42 | $253 |
| GEICO | $53 | $159 |
| Auto-Owners | $54 | $198 |
| Travelers | $54 | $174 |
| State Farm | $60 | $196 |
| Progressive | $81 | $231 |
| AAA | $130 | $377 |
| Farmers | $133 | $325 |
| Allstate | $134 | $358 |
| The Hartford | $139 | $426 |
Cheapest Arizona Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI conviction, it’s possible you’ll discover the most affordable minimal automobile insurance coverage in Arizona from State Farm for $54 per 30 days or $651 per 12 months on common. They even have charges of $181 month-to-month or $2,172 yearly for full protection.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $54 | $181 |
| Travelers | $58 | $180 |
| USAA | $64 | $413 |
| GEICO | $68 | $206 |
| Progressive | $69 | $180 |
| Auto-Owners | $73 | $254 |
| Farmers | $117 | $294 |
| The Hartford | $131 | $427 |
| AAA | $136 | $404 |
| Allstate | $149 | $407 |
Cheapest Arizona Car Insurance For Drivers With Poor Credit: GEICO
People who’ve below-average credit need to pay extra for his or her automobile insurance coverage. Those who don’t have one of the best credit score historical past might need to take a look at GEICO, which has a median minimum-coverage fee of $46 per 30 days or $549 per 12 months and a median full-coverage fee of $156 per 30 days or $1,878 per 12 months.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $46 | $156 |
| USAA | $51 | $351 |
| Travelers | $60 | $191 |
| Progressive | $85 | $250 |
| Auto-Owners | $107 | $401 |
| Allstate | $109 | $348 |
| Farmers | $124 | $337 |
| The Hartford | $144 | $504 |
| State Farm | $219 | $932 |
| AAA | $683 | $2,224 |
Average Cost Of Car Insurance In 10 Arizona Cities
Another factor that impacts how a lot you pay for automobile insurance coverage in Arizona is the precise location the place you reside. Auto insurance coverage firms think about drivers riskier to cowl in areas with:
- Larger teams of individuals
- There are elevated numbers of automobiles driving on the roads.
- More automobile accidents taking place at a higher frequency
- More cases of breaking site visitors guidelines.
- More incidents of automobile theft and auto vandalism
- Extreme climate circumstances
Certain elements that enhance danger have a higher influence on individuals who personal automobiles in huge cities. That’s why drivers in busy city areas pay the best common value for the minimal automobile insurance coverage protection. On the opposite hand, drivers in much less populated rural areas, the place there may be much less crime, usually tend to obtain decrease charges for insurance coverage.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| https://qz.com/advisor/auto-insurance/car-insurance-tucson-az/ | $63.87 | $199.20 |
| Peoria | $72.73 | $208.39 |
| Yuma | $56.70 | $177.27 |
| Surprise | $65.21 | $194.37 |
| Flagstaff | $51.01 | $173.79 |
| Casa Grande | $61.38 | $181.42 |
| Avondale | $74.32 | $216.65 |
| Glendale | $76.29 | $216.65 |
| Buckeye | $63.51 | $199.83 |
| Bullhead City | $52.14 | $164.79 |
Top 5 Car Insurance Companies In Arizona
Apart from the worth, we have now assessed greater than 40 insurance coverage firms to find out one of the best 5 insurers for folks dwelling in Arizona, making an allowance for their protection, service, and trustworthiness. Based on our analysis, we discovered USAA to be one of the best supplier for many drivers in Arizona. Here are the scores we gave for our high suggestions.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #4 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #5 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
*The general and class scores above are primarily based on nationwide elements.
How To Get The Cheapest Car Insurance In Arizona
In Arizona, you’ve just a few choices to cut back the quantity you pay for automobile insurance coverage. These embrace:
- Opting for minimal protection: If you need to pay the least quantity for automobile insurance coverage, simply purchase the minimal protection that your state requires.
- Seeking out reductions: Most insurance coverage firms have a number of reductions that may assist minimize down on premium prices, from army and good scholar reductions to reductions for drivers that stay accident free for 5 years.
- Raising your deductible: A better deductible will decrease your premium prices, however you’ll need to pay extra out of pocket in case you file a declare.
- Bundling your auto insurance coverage: You can usually bundle your auto insurance coverage with a householders insurance coverage coverage or different kind of protection to earn a reduction.
- Comparing quotes: Getting value estimates from a number of totally different firms can help you in figuring out which supplier is more likely to provide essentially the most favorable provide.
Many insurance coverage firms provide usage-based insurance coverage applications, which might help you save money. These applications use telematics to watch your driving habits–out of your pace and braking to the time of day you drive. If you drive safely, it’s possible you’ll obtain a big low cost. However, sure applications might enhance your charges in case you interact in dangerous driving behaviors.
Some firms additionally provide diminishing deductibles and accident forgiveness. A diminishing deductible choice decreases your deductible quantity every time you renew your coverage. Accident forgiveness ensures that your charges received’t enhance after your first accident with the corporate.
What Does Arizona Require For Car Insurance?
Drivers in Arizona should meet minimal insurance coverage necessities as outlined by state regulation, which embrace basic legal responsibility insurance coverage and uninsured/underinsured motorist (UM/UIM) protection:
- $50,000 bodily damage legal responsibility per accident
- $25,000 bodily damage legal responsibility per person
- $15,000 property harm legal responsibility per accident
Liability protection solely takes care of different events’ accidents and property damages in an accident that you simply trigger. UM/UIM covers your accidents and property damages, however solely within the case that the at-fault driver has little to no auto insurance coverage.
Getting complete insurance coverage will be certain that your automobile is roofed if stolen, vandalized, or broken by floods, hearth, animals, or different pure disasters. Collision insurance coverage covers your automobile repairs after an accident.
Our Take: Best Cheap Car Insurance In Arizona
When it involves each minimal and full protection, USAA is one of the best and most cost-effective automobile insurance coverage firm for many drivers in Arizona. While the above prices can provide you an thought of what you’d pay for automobile insurance coverage in Arizona, looking for an individualized fee will assist provide you with a extra correct image of what you’ll pay.
Many firms provide handy on-line instruments the place you may rapidly get value estimates without cost. Alternatively, you can too contact an organization’s insurance coverage agent or consultant instantly. Once you’ve gathered automobile insurance coverage quotes from not less than three suppliers, take the time to match them and discover the choice that fits you greatest.
Best Cheap Car Insurance In Arizona: FAQ
Here are some continuously requested questions on automobile insurance coverage in Arizona:
The common cost of minimum-coverage automobile insurance coverage in Arizona is $58 per 30 days or $697 per 12 months. For full protection, the typical is $185 per 30 days or $2,225 per 12 months.
The common cost of minimum-coverage automobile insurance coverage in Arizona is $58 per 30 days or $697 per 12 months. For full protection, the typical is $185 per 30 days or $2,225 per 12 months.
How We Rate Insurers
Our assessment course of goals to ship constant and unbiased assessments of automobile insurance coverage suppliers. While there are a number of qualities that make a automobile insurance coverage firm profitable, our assessment staff focuses on these we consider are crucial for shoppers:
- Cost: Cost could be tough to match between insurers as a result of so many elements influence annual premiums. The most cost-effective insurer for one driver might not be the most affordable for an additional. To decide our cost rating, we have a look at insurance coverage fee estimates generated by Quadrant Information Services, low cost alternatives, and client reviews.
- Coverage: To decide our protection rating, we have a look at the variety of protection choices available in addition to protection limits and deductible choices. Our scores additionally take into consideration further providers and advantages like roadside help.
- Reliability: It’s necessary that an auto insurer is ready to meet its claims obligations. Companies with a robust monetary power ranking from AM Best rating greatest on this class. Established insurers with a protracted historical past of dependable service additionally obtain optimistic marks.
- Service: We comb via buyer evaluations on websites just like the Better Business Bureau (BBB) to find out about buyer experiences. Insurers with a low quantity of complaints rating nicely on this space. We additionally think about the claims course of, giving greater scores to automobile insurance coverage suppliers that supply easy-to-use claims apps.
*Data correct at time of publication.
