Cheap Arizona Auto Insurance for 2023

Arizona, a state known mainly for its landmarks and nationally renowned state parks, is one of the largest states in the nation, ranking sixth behind New Mexico. The state boasts one of the most internationally recognized land formations – the Grand Canyon. Also known as “The Grand Canyon State,” with 6,392,017 residents, Arizona’s roads and highways are packed with drivers.

For new drivers in Arizona, or for those that have been driving for many years, understanding auto insurance is important to make sure you have the right coverage and get a great deal, too. Below we have everything you need to know about Arizona auto insurance.

We can help you find affordable Arizona auto insurance right now. Enter your ZIP code above to compare Arizona auto insurance rates for free.

Arizona Auto Insurance Requirements

Arizona law requires that you have a policy providing at least a minimum amount of liability insurance. 

In Arizona, the state liability coverage minimums are:

• Bodily Injury Coverage – $15,000 per person
• Bodily Injury Coverage – $30,000 per accident
• Property Damage Coverage – $10,000 per accident

Take a look at how Arizona’s minimum rates compare with surrounding states.

Optional coverage options in Arizona include:

• Comprehensive Coverage
• Collision Coverage
• Uninsured/Underinsured Motorist Coverage
• Medical Payments Coverage
• Rental Reimbursement Coverage
• Full Glass Coverage

With a fairly high population and 8 metropolitan cities, auto insurance policies in Arizona are extraordinarily important. Like all states, Arizona requires several auto insurance minimums, specifically for bodily injury, accidents, and property damage.

The state requirement for coverage of bodily injury is $15,000 per person and $30,000 per incident. This is not quite as much compared to other states, and may not be enough in a serious accident. Bodily injury claims can easily exceed these minimums.

Auto insurance pays medical bills for which you are responsible when you’re at fault in an accident. It often makes more sense to purchase more insurance to make sure that you have enough for all possible injuries. 

The state of Arizona also requires a minimum amount of coverage for property damage. Property damage covers damages to the other person’s car and any other property when you are at fault. The state only requires $10,000, but it’s wise to choose higher coverage amounts. Remember that a brand new car these days costs a lot more than $10,000.

Remember that liability coverage only pays for injuries and damage to other people. To protect your own car, you will need additional coverage.

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Arizona Auto Insurance Rates

Often times you may hear complaints about the price of insurance, but in most cases, you are paying for what you need.  By paying a certain premium now, you can ensure that you will have enough to cover all expenses if anything ever happens.

Some people can drive their whole lives without ever having an accident, but it’s never a good idea to gamble on an imperative thing such as your well-being. In Arizona, the average cost of auto insurance is about $1,057.63, which is almost $400 less than the national average.

However, in the major cities of Arizona, such as Phoenix, prices for the same coverage can range from $1,500 to $1,700.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Arizona Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

Arizona is one of the best states with the fewest weather-related fatal crashes, which could be part of the reason why its rates are lower. But which companies are the largest, holding the most market share percentage in the region?

Arizona Accident And Theft Statistics

The most dangerous thing when it comes to driving is automotive accidents. In 2009, Arizona had 106,767 accidents, of which 709 were fatal. More than a third of these fatal accidents were alcohol-related.

Luckily, only a small fraction of the many accidents were deadly, but that is still an unfortunate amount of people in one year. The breakdown of accidents themselves puts about 80% in urban areas compared to rural areas (84,941 out of 106,767). Interestingly enough, more of the fatal accidents occurred in rural areas.

With this many drivers on the road, there are also many auto thefts. Fortunately, the number of stolen vehicles has decreased to 37,218 incidents since 2002 – more than a 30% drop.

Of the 37,218 stolen vehicles, 61.7% of them were safely returned to their owners. The other 39.3% most likely ended up being shipped overseas, stripped down for parts, or smuggled across borders. The efficiency of driving is a miraculous thing, but it is plagued with many dangers such as accidents and theft, which makes it important to be covered in case anything happens.

Buying auto insurance takes a lot of thought and consideration to get the personal policy that fits you best. At 4AutoInsuranceQuote.com we’re very aware of the tedious process it is to get the perfect insurance plan. That’s why we are always available to help you without the extra hassle that other companies often give. 

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Arizona Auto Insurance Agents

If you are looking for an auto insurance agent in Arizona, we have compiled a list below.

Arizona Auto Insurance Agents

• Get Affordable Glendale, AZ Auto Insurance Quotes (#current_year)
• Get Affordable Globe, AZ Auto Insurance Quotes (#current_year)
• Get Affordable Snowflake, AZ Auto Insurance Quotes (#current_year)

Additional Arizona Auto Insurance Resources

For official sources and additional information on Arizona car insurance, check out the links below.

• Arizona Department of Insurance – Official insurance dept website from the state of Arizona.
• Personal Auto Insurance FAQ – From the Arizona dept. of insurance.
• Mandatory Auto Insurance – From the Arizona DMV. Auto insurance minimums.
• Motor Vehicle Division – Arizona department of transportation website.
• Highway Safety Laws – Arizona important highway safety laws and information.

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