Cheap Arizona Auto Insurance for 2023
Average Arizona auto insurance rates are $88.14/mo and policies must meet the 15/30/10 Alaska auto insurance requirements for bodily injury and property damage coverage. To find the best Arizona auto insurance company policy in your area, compare quotes from a number of companies before you buy.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Farmers CSR for 4 Years
UPDATED: Feb 1, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 1, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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.
Ready to compare Arizona auto insurance rates and save? Enter your ZIP code below for fast, free quotes from top Arizona auto insurance companies.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.