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To drive legally in Arizona, you must have auto insurance. But if you're low on funds, finding the cheapest car insurance in Arizona can be a challenge. Here, we'll share the best car insurance companies for affordably priced auto insurance.
When it comes to cheap auto insurance in Arizona, Geico is the big winner across the board. For example, with an average annual rate of just $838 for drivers with a clean record, Geico is hard to beat.
While there isn't a "close second," these companies are competitive with one another:
One way insurance companies thank military members for their service is by offering affordable car insurance. The cheapest average annual rate for members of the military is $754, from Geico.
In second and third place are:
You may feel like your heart is on the road when your teen is behind the wheel of a car. There's no denying that it's expensive to insure a teenager, due to their lack of driving experience. Once again, the best car insurance in Arizona for drivers looking for a low rate is Geico. While its average annual rate of $2,000 (or $167 per month) may seem expensive, this is considerably more affordable than the rates offered by other Arizona auto insurance carriers.
Following Geico are:
A single speeding ticket can ding your record enough to send your rates up. With an average annual rate of $976, Geico is relatively forgiving.
While they're more expensive than Geico's, second and third place car insurance quotes for Arizona drivers with one speeding ticket come from these companies:
If you're asking how much is car insurance in Arizona for minimum coverage, Geico is the winner for cheap liability car insurance, too. With an average annual rate of $395, Geico makes it possible to get on the road with legally mandated Arizona minimum car insurance coverage.
Other contenders include:
Arizona's overall average car insurance rate is $2,668, nearly the same as the national average of $2,646. The best car insurance companies in Arizona tend to keep their rates near or below the national average.
|Average Rate Category||Arizona||National Average|
|1 accident on driving record||$3.024||$3,092|
|1 speeding ticket on driving record||$2,846||$2,766|
Arizona car insurance laws are clear. Any driver caught driving without insurance faces:
An SR-22 certificate is sometimes referred to as "SR-22 insurance." Here's how it works: The Court mandates that a driver prove they have purchased an auto insurance policy. Once that policy purchase is complete, the insurance carrier files an SR-22 certificate with the Arizona Department of Motor Vehicles (DMV). The filing fee for an SR-22 -- currently between $15 and $35 -- is tacked onto the insurance policy price.
To drive legally in Arizona, drivers must carry a minimum of:
Coverage is required not only for automobiles, but also golf carts, mopeds, and motorcycles.
While it may not seem to make sense at first glance, insurers base your rate quote in part on your credit score. Drivers with low credit scores can sometimes lower their auto insurance rates if they raise their credit scores.
Naturally, drivers with cleaner records often receive lower Arizona auto insurance quotes.
When looking for low-cost car insurance, it can pay to identify any discounts you may be eligible for. Here's a sampling of the kinds of discounts carried by the top insurance companies:
Drivers may find that the best place to look for a cheap auto insurance rate is with the insurance company they currently count on to provide other types of coverage, including life and homeowners insurance. That's because most insurers provide "bundling rates" in an attempt to keep a customer's business in one place. Bundling is typically available no matter which type of car insurance coverage a driver seeks.
What additional coverage do you recommend specifically for Arizona drivers?
For any driver who owns a home, has other significant assets, or has a teenage driver, I would recommend that they consider an umbrella policy. This would protect the consumer if they had an at-fault wreck with liability claims that exceeded their coverage limits.
For Arizona drivers who don’t have a clean driving record, what can they do to improve their insurance rate?
Drivers who don't have a clean driving record can try a few strategies to reduce their insurance premium:
How do auto insurance laws in Arizona impact drivers without insurance?
Liability coverage is mandatory for every motor vehicle operated on Arizona roads. This requirement goes beyond cars and trucks; it also includes motorcycles, mopeds, and golf carts. The coverage must be with a company authorized to offer insurance in Arizona. Anyone who doesn't carry minimum coverage could get their driver's license and vehicle registration suspended.
The minimum level of financial responsibility required in Arizona is $25,000 bodily injury liability for one person, $50,000 for two or more people, and $15,000 property damage liability.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. The Motley Fool has a Disclosure Policy. The Author and/or The Motley Fool may have an interest in companies mentioned.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.
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