Find the Best Car Insurance Quotes and Options in Arizona
The average cost of car insurance in Arizona is $1,103 per year. That makes car insurance costs in Arizona very close to the national average of $1,311 per year. However, everyone’s car insurance rates will be different, based on where they live and their personal characteristics.
What’s more, it’s important to purchase sufficient coverage so that if you have to file a claim, your policy will cover it. While this can cost more, it can make a huge difference when you need it most.
An independent insurance agent can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Arizona.
Best Car Insurance Companies in Arizona
You can purchase car insurance in Arizona from numerous insurance companies. Where should you even start? We’ve done some of the hard work for you and selected some of the best car insurance companies in Arizona to help you get started. Perhaps one of these top carriers will be the best for your needs.
- Best Arizona car insurance company overall: USAA
- Best Arizona car insurance company for minimum liability: USAA
- Best Arizona car insurance company for full coverage: Travelers
- Best Arizona car insurance company for young drivers: Travelers
- Best Arizona car insurance company for accident history: Travelers
An independent insurance agent in Arizona can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best Arizona Car Insurance Company Overall: USAA
Our pick for the best overall car insurance company in Arizona overall is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors.
USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.
USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an A++ rating from AM Best, the highest available.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
| Average Monthly Insurance Cost: Car Insurance Policy | Average Annual Insurance Cost: Car Insurance Policy |
| $121 | $1,452 |
Best Arizona Car Insurance Company for Minimum Liability: USAA
If you’re looking for minimum liability coverage, USAA is again a top choice for Arizona residents. The carrier allows customers to get bare minimum auto insurance at around $462 per year.
Highly affordable coverage combined with high customer satisfaction ratings makes USAA an easy choice for eligible members.
| Average Monthly Insurance Cost: Minimum Liability Auto Policy | Average Annual Insurance Cost: Minimum Liability Auto Policy |
| $39 | $462 |
Best Arizona Car Insurance Company for Full Coverage: Travelers
The best car insurance company in Arizona for full coverage is Travelers. The insurance company offers affordable full-coverage policies with premiums starting at just $108 per month.
Travelers was founded in 1853, making it one of the oldest insurance companies in the US. It is a leader in both personal and business insurance with approximately 30,000 employees. The company works with a network of 13,500 independent insurance agents and brokers across the United States, Canada, the United Kingdom, and Ireland.
Travelers generated approximately $35 billion in revenues in 2021. The carrier was awarded an A++ rating from AM Best, reflecting its superior position as a financially stable and reliable company.
| Average Monthly Insurance Cost: Full Coverage Car Insurance Policy | Average Annual Insurance Cost: Full Coverage Car Insurance Policy |
| $108 | $1,294 |
Best Arizona Car Insurance Company for Young Drivers: Travelers
Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, Travelers is one of the best insurance companies for teen drivers in Arizona.
Policies that include young drivers can cost around $309 per month with Travelers. The company also offers several discounts for young drivers including a good student discount and a student away at school discount, as well as a driver training discount upon completion of a safe driver education course.
| Average Monthly Insurance Cost: Young Drivers | Average Annual Insurance Cost: Young Drivers |
| $309 | $3,707 |
Best Arizona Car Insurance Company for Accident History: Travelers
Your driving record is one of the most important factors in what you pay for car insurance in Arizona. All insurance companies want to know is if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
In these cases, Travelers again earns a spot on our list of top picks. Travelers is one of the best Arizona car insurance companies for drivers with an accident history. The company is highly rated for its claims response and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in Arizona for about $143 per month.
Travelers also offers perks like accident forgiveness along with optional coverage like roadside assistance coverage, new car replacement coverage, and rental car reimbursement coverage.
| Average Monthly Insurance Cost: Poor Driving Records | Average Annual Insurance Cost: Poor Driving Records |
| $143 | $1,717 |
Arizona Car Insurance Requirements
Drivers in Arizona must purchase a car insurance policy that meets the state's minimum coverage requirements. In Arizona, you must have the following coverage, at a minimum, in order to comply with state law and avoid penalties.
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Arizona, you must have this coverage in the amount of $25,000 per person and $50,000 for two or more people injured in an accident, at a minimum.
- Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another’s driver’s car) and for your legal defense if you are sued. In Arizona, you must have this coverage in the amount of at least $15,000.
Optional car insurance coverages in Arizona include:
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
- Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in Arizona will help you find a car insurance policy that includes the coverage you need.
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Average Cost of Car Insurance in Arizona
The average cost of car insurance in Arizona is $1,103 per year, which is less than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in Arizona by taking advantage of discounts that you may be eligible for.
Average Arizona Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in Arizona. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
In Arizona, you’ll find the most expensive car insurance rates in the cities of Tucson and Phoenix, at $1,563 and $1,560 per year, respectively.
Finding Car Insurance Discounts in Arizona
One of the best ways to save on car insurance in Arizona is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Arizona include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent insurance agent in Arizona can help you find all of the car insurance discounts that you qualify for.
How to Find the Best Car Insurance Quote in Arizona
Finding the best car insurance quote in Arizona requires comparing several insurance companies and making an informed choice, but you don’t have to go it alone. An independent insurance agent in Arizona can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in Arizona
Filing a car insurance claim in Arizona is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on-the-record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident.
- Contact your independent insurance agent: Your Arizona independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as its being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent insurance agent in Arizona can help you through the claims process and answer your questions about how best to file your claim.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
Popular Questions about Arizona Car Insurance
The average cost of car insurance in Arizona is $1,103 per year, or about $91 per month.
The main purpose of car insurance in Arizona is to cover medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, these are covered through your bodily injury liability and property damage liability coverage. You can cover some of your own losses with optional uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage.
The car insurance laws in Arizona require all drivers to carry the following insurance coverage, at a minimum:
- Bodily injury liability coverage: $25,000 per person and $50,000 for two or more people injured in an accident
- Property damage liability coverage: $15,000 per accident
About 12% of drivers in Arizona are uninsured. Nationwide, the average is 13%, which is slightly higher than you will find in Arizona.
An independent insurance agent can help you find the best car insurance. Your local agent can help you compare quotes from a variety of carriers and help you make the best choice.
You can self-insure your car in Arizona by depositing cash or posting a bond in the amount of $40,000 with the state in lieu of insurance. This approach is likely not the best for most people. Being financially responsible after causing a car accident can be devastating, even for those with the means to self-insure.
Arizona is what is known as a comparative fault state for car insurance when it comes to assigning fault for an accident and determining who is responsible for paying damages.
In Arizona, fault for an accident can be shared proportionately if it is determined that both drivers share in the fault for an accident. A party that is found to be 75% at fault, for example, would pay 75% of the damages. The party found to be 25% at fault would pay the remaining 25% of the damages.
In order to get car insurance in Arizona, you’ll need to supply some information to prospective carriers. Insurance companies may ask for the following information:
- Your name
- Your driver's license number
- Your date of birth
- Your address
- Your job title
- How far you drive to work or school every day
- Your marital status
- The year, make, and model of your car
- The number of cars and drivers in your household
- Whether or not you own your home or rent
This information and more will help a carrier put together an accurate quote for coverage. An independent insurance agent can help you apply for car insurance in Arizona.
Car insurance rates in Arizona are impacted by numerous factors, from crime rates and the weather to the exact make and model of your car. People who live in big cities that are considered to be more dangerous for drivers may pay more than someone who lives in a rural area, even for the same coverage. Meanwhile, certain cars are considered to be riskier to drive, while young people are also much more costly to insure. These and many other factors influence Arizona’s car insurance rates.