Cheap car insurance quotes in Arizona

Getting quotes from numerous providers can help you get the best prices and coverage in Arizona because Car insurance in Arizona rates are calculated based on personal criteria like age, driving history, and region. To help you get started, we selected the most refined vehicle insurance providers in the state based on pricing, customer happiness, financial soundness, and more.

Comparing car insurance rates from some of Arizona's best-rated companies may save you up to $1194.

Cheap car insurance in Arizona for minimum liability

When determining auto insurance rates in Arizona, insurance companies evaluate several factors. The cheapest choice for meeting the state's minimal vehicle insurance requirements in Arizona is a liability-only policy package.

The following are the cheapest companies in the state for minimal liability coverage:

GEICO: $375 per year

USAA: $390 per year (this coverage is only applicable to former and current military members and their families)

MetLife is the most expensive insurer for minimal liability coverage, at $993 per year on average.

GEICO : $375 (annually)

USAA : $393 (annually)

Progressive : $513 (annually)

Nationwide : $615 (annually)

State Farm : $624 (annually)

The costs listed above are estimated annual auto insurance premiums for the average Arizona motorist. They denote a policy with the bare minimum of liability protection. Comparing quotes from various organizations will assist you in determining the best price for vehicle insurance.

These prices are estimates based on average Arizona driver rates and should not compare insurance costs.

Cheap car insurance in Arizona for full coverage

When you get full coverage in Arizona, you get comprehensive, and collision coverage for the policy's stated road accidents and off-road occurrences. Drivers also benefit from increased liability limits and reimbursement if their vehicle is damaged in an accident.

Because it provides additional protection, full coverage is more expensive than the minimum liability auto insurance policy. By comparing quotes from various insurers, drivers can get the best deals.

In Arizona, the following firms offer the best total coverage rates:

GEICO's annual premium is $783.

USAA's annual premium is $798 (only available for military members, veterans, and their families)

MetLife is the most expensive company for this coverage, with an average annual cost of $1983. To obtain the best pricing for your needs, you may need to compare quotations from other providers.

The rates also include a policy that includes $100,000 in bodily injury liability per person, $300,000 in bodily injury coverage per accident, and $100,000 in property damage coverage per accident.

The cost of your premium is determined by the insurance company depending on your situation and driving history. Request personalized estimates from a variety of suppliers to see if you qualify for any savings.

Best cheap car insurance companies in Arizona

The best car insurance companies in Arizona for most drivers, according to our study, are:

Best Overall: GEICO

Runner-up: State Farm

Our internal rating system gave USAA the highest grade in Arizona.

USAA is not recognized as the best overall since it is exclusively available to service members, veterans, and families.

While the cost of automobile insurance is significant, other variables such as claims experience, customer happiness, and financial strength must also be considered.

You'll be able to find the best cheap car insurance in Arizona with this information.

After analyzing rating indicators from J.D. Power and AM Best and industry standards for corporate ratings and reviews, we devised a unique rating methodology. We determined each final score out of 100 after accumulating these metrics.

Tips for finding cheap car insurance in Arizona online

Customers can request a quotation from the majority of auto insurance companies in Arizona via their websites.

You can obtain the best auto insurance rates by comparing several quotes for the same coverage limits. If you're looking for insurance that covers $100,000 in bodily liability per accident, for example, apply the same value across all insurers to get the cheapest alternative.

You may compare quotations by entering your ZIP code in the calculator below, or you can use our ranking system to select the best firms, then get a quote from their websites.

According to our study, the cheapest auto insurance providers in Arizona are GEICO, USAA, and Progressive.

In Arizona, how much does car insurance cost on average?

Your unique circumstances determine the cost of car insurance on an annual basis. For the average driver, we computed the following rates for comprehensive and collision insurance: Your average premium costs are influenced by your age, coverage level, credit score, driving history, and region.

Average Driver: $1,284

DUI: $1,898

Speeding Ticket: $1,593

Poor Credit Score: $2,592

Seniors: $1,362

Students: $3,084

Important factors about car insurance in Arizona

Every motor vehicle driven on Arizona highways, including golf carts, motorcycles, and mopeds, is required by law to have liability insurance from a company licensed to do business in the state. You can file a de-insurance certificate to keep your registration from being suspended if you plan to take your car out of service to repair or restore it.

Drivers in Arizona must have proof of "financial responsibility" in their vehicle, which might be in the form of an insurance card, a car insurance policy, or another type of proof. Drivers may be required to present evidence of insurance in two situations: when a law enforcement officer requests it or after an accident.

Don't worry if you misplace your card or policy: the state permits you to demonstrate financial responsibility to an officer using a wireless device like a smartphone.

Arizona made it mandatory for all drivers to carry $15,000 in liability insurance to cover injuries sustained in an accident in 1972. Experts believe that this figure is far too low to cover the expense of an accident today fully.

The following are the state's minimum financial responsibility standards:

$15,000 bodily injury liability for one person

$30,000 bodily injury liability per accident

$10,000 property damage liability

The average industry-recommended for personal injury and accident coverage is $100,000 for personal injury and $300,000 for accidents. However, collision and comprehensive insurance, which covers the cost of damages to your car due to traffic accidents, theft, break-ins, or natural catastrophes, is not included.

Collision and comprehensive coverages are optional. Thus they won't be included in any low-cost auto insurance policies. Insurers recommend them for cars with a value more than the deductible and several years' worth of premiums.

Finally, while just 10.6% of Arizona drivers are uninsured, being involved in an accident with one can be costly. Uninsured motorist insurance is usually a brilliant idea since it protects you from underfunded drivers.