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On average, Arizona drivers pay approximately $1,103 a year (or $92 a month) for their car insurance. This is lower than the national average cost of $1,311 per year. Shopping around for the best price can help you be certain that you are not overpaying for your coverage.
As a vehicle owner in Arizona, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf and can help you compare the coverage offered by each. Find an agent near you to learn more.
Car insurance in Arizona includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your Arizona auto insurance may be able to help.Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
You can also choose to include other coverage with your car insurance policy including such options as gap insurance, uninsured motorist insurance, roadside assistance and towing insurance, and rental car reimbursement. Talk to a local independent insurance agent to learn more.
Arizona is a fault-based state so the driver who caused the accident is responsible for covering the cost of damages as well as any necessary medical treatments.
Driving without insurance in Arizona is illegal. If you caught, you can face:
Despite these penalties, an estimated 12 percent of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatments; however, if the uninsured driver simply doesn’t have the money available, you may need to go through legal channels and expensive and time-consuming lawsuits just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.
The best insurance company for an elderly man with a long history of safe driving might not be the best choice for middle-aged couple who has teenage drivers in their household.
That is why independent insurance agents compare coverage and prices from a variety of highly rated insurance companies. This is the best way to find the policy a policy that is ideal for you and your specific coverage needs.
Yes! There are currently 401 independent insurance agencies located throughout the state of Arizona. These agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
|City||Commute time (min)||Auto thefts / 1,000||Annual insurance cost|
|San Tan Valley||33.9||1.24||$1,483|