Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Arizona: Best Companies & Quotes
Best Car Insurance Companies in Arizona
- State Farm
- The Hartford
- American Family
|State Farm||Allstate||USAA||The Hartford||American Family||Safeco|
|AM Best Financial Strength Rating||A++||A+||A++||A||A||A|
|JD Power 2019 Overall Customer Satisfaction score||3/5||3/5||4/5||3/5||4/5||4/5|
|Avg Annual Premium||$1,468||$2,734||$1,253||$537||$1,315||$1,141|
|Consumer Reports Reader Score||78||72||92||74||76||N/A|
|BBB Rating||B+||A+||Not Rated||A+||A||A|
Auto Insurance Statistics in Arizona
Car insurance premiums in Arizona have reached a plateau above the national average for several years. Data from the NAIC.org shows that Arizona’s premiums were about the same as the national average towards the end of 2012 and 2013.
Top 10 Cheapest Car Insurance Companies in Arizona
|Rank||Company Name||Avg. Annual Premium|
|4||Farm Bureau Mutual (IA Group)||$994|
Drunk Driving Fatalities
Arizona drunk driving has remained below the national average for many years. Drunk driving is one of the main reasons to carry the proper car insurance while driving. Below are the statistics that show how Arizona compares with other states nationwide.
Drunk driving fatalities in Arizona from 2013 to 2017
Teen Drinking and Driving
Drinking and driving are some of the most dangerous combinations that take place on the road. In Arizona, teens tend to drink and drive more than in other locations across the country. The Center For Disease Control shows Arizona at a rate of 26 percent while the national average is at 24 percent for teen drinking and driving.
Teen Drinking & Driving in Arizona vs. Nationwide (2017)
SR-22 Insurance in Arizona
In the state of Arizona, you will be required to prove SR-22 to reinstate your license if you've committed an offence, such as a DUI, driving without insurance, unpaid tickets, or several other infractions. The SR-22 proves to Arizona's DMV that you have insurance that covers basic costs.
In Arizona, the state often asks drivers to deposit $40,000 if they want to reinstate their license when they're eligible to being driving. You can avoid this deposit if you purchase SR-22 insurance. For those who do not own a car, you can purchase ‘non owners' insurance — this is typically cheaper than the SR-22 insurance you would have to purchase if you owned a vehicle.
Car Theft in Arizona
By learning about the level of car theft in Arizona, you can best prepare yourself to have the right type of coverage in place. Liability coverage won’t protect you in the event of auto theft, however, comprehensive coverage will help if you have been the victim of auto theft in the state of Arizona. Below is data showing how the state ranks in auto theft in comparison to the rest of the nation.
Vehicle thefts by rank nationwide vs. Arizona
Uninsured Motorists in Arizona
Many people wonder about the necessity of getting uninsured and underinsured coverage. However, if you are injured or your property is damaged by a driver without insurance, this could save you thousands. The data below gives you an idea of the percentage of uninsured motorists in the state of Arizona.
Percentage of uninsured drivers (2015)
- State Farm
- Arizona Farm Bureau
Farmers and Ameriprise actually ended up tied with the two cheapest average rates, each one at $507 annually. For a comparison, the average rate of insurance for Phoenix overall is $728 per year. Perhaps unsurprisingly, it is one of the most expensive places in the state to get your vehicle insured, with only Glendale being more expensive.
- State Farm
- Arizona Farm Bureau
Although Tucson is the second biggest city in Arizona, auto insurance there is actually quite inexpensive. In fact, it’s the third cheapest city in the state to get auto insurance, with only Surprise and Chandler offering better bargains. Auto Owners customers pay an average of only $348 yearly, a substantial discount on the city’s already reasonable average of $599 per year.
- State Farm
The rates for auto insurance in Mesa fall right in line with the overall average for the state, with most people getting insured for about $628 per year. However, people who opt for one of these companies can find cheaper deals, with Auto-Owners giving the most affordable insurance in this city at only $408 per year on average.
- State Farm
- California Casualty
Chandler, one of the major suburbs of Phoenix, features some of the cheapest auto insurance rates in Arizona. Residents here pay an annual average of $588 for their insurance. Interestingly, the cheapest car insurance companies don’t offer quite the same level of discount here as in Mesa.
For example, Auto-Owners, the cheapest insurance company in Chandler, offers average rates of $459 per year. Meanwhile, the same company offers rates of only $408 per year in Mesa, despite the average overall cost of insurance being higher in Mesa. Even so, you can’t still save a decent amount in Chandler by using the companies with the lowest rates.
- State Farm
Glendale is the fifth largest city in Arizona. It’s a beautiful location, but the auto insurance rates here are the highest in the state. The average resident of Glendale pays $735 per year to have their vehicle insured. The above companies offer significant savings potential, with Ameriprise being the cheapest at an average of $546 per year.
Types of Auto Insurance Coverage in Arizona:
- Bodily Injury Liability Insurance
- Comprehensive Insurance Coverage
- Property Damage Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
Minimum Requirements For Car Insurance in Arizona
According to The Department of Transportation in Arizona, all registered motorists are required to have coverage of at least liability insurance.
Arizona Liability Coverage Minimums Include:
- $10,000 for property-damage liability coverage
- $15,000 for bodily injury involving a single person
- $30,000 for bodily injury involving two or more people
Source: Department of Transportation
New Driver Licensing in Arizona
Arizona mandates that all drivers need to be fully licensed in order to drive a car legally. To obtain a driver’s license in the state of Arizona, motorists must take a vision test, written test, and a road test and pass them in order to be issued a driver license.
Cheap Auto Insurance Discounts
We aim to provide the most helpful information about how a driver in the state of Arizona can save on the cost of car insurance premiums each year. If you are looking for new and less known about methods of saving, then we can help you get car insurance online at a discount. Below is a list of some of the most common types of auto insurance discounts that people can take advantage of.
- Mature driver discount
- Multi-car auto insurance discount
- Military or Veteran discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Bundling insurance policies discount
- Anti-theft discount
- Infrequent usage discount
- Low-mileage discount
As rules differ from state to state, it’s important that you know everything there is to know about car insurance before getting one. All your questions about getting an auto insurance in Arizona have been grouped into several categories.
General Information on Arizona Auto Insurance
In this section, your most basic questions about getting an insurance are answered.
What year did it become mandatory to have car insurance in Arizona?
Who needs commercial auto insurance in Arizona?
What are the minimum requirements for car insurance in Arizona?
- Bodily Injury Liability Coverage: Minimum $15,000 per person / $30,000 per accident
- Property Damage Liability Coverage: Minimum $10,000
- Uninsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident
- Underinsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident
How old do you have to be in Arizona to have car insurance?
What is the best car insurance for Arizona?
What is the best cheap car insurance in Arizona?
How does a licensed driver without a car get insurance Arizona?
How much is full coverage motorcycle insurance?
The Arizona State and Car Insurance
In this section, you’ll see the involvement of different local agencies in relation to auto insurance as well as the existing rules on the matter.
How long do I have to switch insurance to new car in Arizona?
What agency in Arizona regulates auto insurance?
In Arizona, if you can't put insurance on a car because you don't have a license, what do you do?
How do I let Arizona DMV know that you have AZ car insurance?
How can I find ADOT numbers for auto insurance companies?
How long does it take to get insurance on new car Arizona?
After buying a car, how long do you get to obtain insurance in Arizona?
What happens if you have 2-day lapse in auto insurance coverage in Arizona?
What is the penalty for car insurance lapse in Arizona?
What department in Arizona administers auto insurance rates?
How do I check to see if someone has car insurance in Arizona?
How many times can I be late on car insurance in Arizona?
What is the fine for driving without car insurance in Arizona?
Pricing and Other Related Matters
Below are your questions related to the cost of insurance as well as the effects of different circumstances to it.
How much is car insurance in Arizona?
Who has the cheapest car insurance in Arizona?
Why is Arizona car insurance so expensive?
How does Arizona auto insurance compare to Texas?
What car insurance is more expensive, Arizona or Minnesota?
What is the Arizona car insurance average?
How much does a DUI increase your high risk car insurance in Arizona?
Which auto insurance has the lowest rates for teen drivers in Arizona?
How does Arizona rank with auto insurance?
How do Arizona auto insurance companies set their rates?
How much will a speeding ticket cost me on my monthly car insurance premium in Arizona?
Which Arizona car insurance companies accept driver’s ed discount?
How does Arizona car insurance costs compare to California?
Which state has cheaper insurance, Arizona or Colorado?
Auto Insurance Coverage and Companies
What does it mean to get an auto insurance? Discover the benefits entailed with your insurance, along with your questions on some insurance companies in the state.
What is full coverage auto insurance in Arizona?
Which Arizona auto insurance policies cover towing?
What is emergency road service coverage, and why do you need it for Arizona auto insurance?
What are the names of insurance companies that sell auto liability insurance in Arizona?
How do I add another driver to my AAA car insurance in Arizona?
What does third party auto insurance cover in Arizona?
How much is GEICO auto insurance in Douglas, Arizona?
Dealing With Accidents
Should the worst happen, what should you do? This section should help you with that.
What happens when insurance totals your car Arizona?
What happens in court if I got in a car accident without insurance in the state of Arizona?
How long does a company have to settle my rental car insurance claim in Arizona?
How long does an insurance have to pay claim after car is total loss in Arizona?
When in a car accident in Arizona which insurance company do I call?
In Arizona, can an insurance company dictate how long it takes to fix a car?
Other FAQ on Auto Insurance in Arizona
There are questions that you want answered just-for-the-sake, so we did. These involve getting insurance as a non-resident or as a new resident, cancelling your policy, and other things.