Best Car Insurance In Arizona

When you’re shopping for the best car insurance in Arizona, it helps to know about the coverage options available in the state.

Many insurers offer personal automobile policies in the Grand Canyon State, so compare premium prices and services to find the deal that best fits your needs.

The quotes you get from agents are based partly on your personal information, such as where you live and park your car, your age, gender, driving record, claims history, and your typical vehicle usage.

The most important factor, however, is the make and model of the car you drive.

Average Cost Of Car Insurance In Arizona

You want a way to answer the question, “How much is car insurance in Arizona?”

To get it, it’s helpful to know how much car insurance costs for the average driver in your state. The average personal auto premium in Arizona in 2015 was $973 according to the National Association of Insurance Commissioners. This rate is slightly below the nationwide average of $1,009 for the same year.

The rates drivers pay in Arizona are also slightly lower than they are in nearby California and Nevada, but a bit higher than in Utah and New Mexico.

Countrywide Average Cost of Car Insurance $1,009
Average Cost of Car Insurance in Arizona $973
Average Cost of Car Insurance in California $987
Average Cost of Car Insurance in Nevada $1,103
Average Cost of Car Insurance in Utah $873
Average Cost of Car Insurance in New Mexico $938

What Can Affect The Cost Of Car Insurance In Arizona

car insurance in arizonaIn your search for the best car insurance in Arizona, keep in mind the influence of a few external variables, not all of which you can control.

Policy costs don’t only depend only on how good of a driver you are, they are also dependent on the following conditions in the state of Arizona:

Traffic Conditions

From the magnificent beauty of the Painted Desert and the Grand Canyon to the bustling cities of Phoenix and Scottsdale, the geographic landscape is quite varied in Arizona. Commuting in and around Tucson is far different than driving around tiny Bisbee (population 5,308).

It pays to learn about the city or town where you live as well as the state averages in order to negotiate a better rate on your insurance policy.

The NAIC describes traffic density as the number of vehicle miles traveled per mile of roadway and as the number of vehicle miles traveled per registered vehicle. According to NAIC’s latest report issued in 2015, traffic density in Arizona was 921,359 vehicle miles per highway mile, and the average car mileage was 11,583 miles per year.

This figure is lower than that of neighboring California, which recorded 1,859,111 vehicle miles per highway mile for the same period, and 11,942 annual miles per car. The national traffic density for the same period was 724,348 miles per highway mile and 12,010 per vehicle on average.

Arizona recorded 0.16 fatal accidents per 1,000 registered vehicles (1.37 per 100 million miles) for the same period, and the Arizona Department of Transportation shows an uptick in motor vehicle fatalities from 2014 to 2017. This is slightly higher than the national average of 1.08 deaths per 100 million vehicle miles.

Vehicle Theft Rates

As you continue to look for the best car insurance in Arizona, it’s important to know where this state ranks regarding motor vehicle thefts.

According to the Insurance Information Institute (III), 765,484 automobiles were stolen in the United States in 2016. Statistically, more thefts occur on Halloween than any other day in our country. Arizona ranks number ten out of the 50 states when it comes to frequency of car thefts, and the vehicle favored by thieves is the 2006 Chevrolet full-size pickup. According to the Arizona Automobile Theft Authority (AATA), the number of cars stolen in that state was 17,587 in 2015.

Overall, the National Insurance Crime Bureau notes an 11 percent increase in auto thefts nationwide between the years 2014 and 2016. NICB’s Hot Wheels Report shows that the cars most often targeted by auto thieves include makes from Honda, Ford, Chevrolet, Toyota, Nissan, Dodge, and Jeep.

For the best car insurance in Arizona, you may benefit from driving a different make and model.

Population Density

According to the NAIC, living in places that are more densely-settled may indirectly impact the cost of your car insurance policy because a greater number of vehicles per area affects crime and collision rates.

With 58 people per square mile, Arizona is somewhat less densely-populated than the nationwide average of 89. Some larger towns and cities, such as Phoenix (3,165) are more thickly-settled while others like Greenlee County (4.6) are less so.

When shopping for the best car insurance in Arizona, you may be eligible to get a better rate if you live outside of city limits.

Disposable Income

When pondering the question, “How much is car insurance in Arizona?” the disposable income of the state’s residents comes into play. Like population density, disposable income affects insurance rates indirectly.

For 2014, NAIC reports that the per capita disposable income for Arizona residents was $33,495. This amount is somewhat lower than the U.S. average of $39,495. Neighboring California ($41,704) and Nevada ($35,834) both fared somewhat better on per capita disposable income for the same period.

When surveying insurance companies, keep in mind the average income rates for your city or town as you compare prices. It may make a difference in what you pay for premiums if you purchase your automobile policy in Winslow, where 26.6 percent of the residents live below the poverty line, or in Paradise Valley with a 2016 per capita income of $111,342.

Companies With The Best Car Insurance In Arizona

Although the cost of your automobile policy is a major factor in selecting car insurance, it often pays to shop around and compare a few more variables, such as discounts and who is covered under your policy.

The Insurance Information Institute recommends that careful shoppers get at least three price quotes before making any commitment. You can make sure you are choosing a stable insurance company by checking its financial ratings with an independent agency such as Moody’s Investor Services or Fitch Ratings.

It would also help to find out if the prospective insurance company holds a license in Arizona before signing on the dotted line.

There are a couple of other easy things you can do to check out these companies. Call around to get an impression of how easy or difficult it is to do business over the phone. Read customer reviews and check to see if there have been any consumer complaints against the companies you’re researching.

You may start your search with the better-known insurance companies in Arizona. These organizations are likely to have consumer reviews readily available.

Some of these insurers include:

Progressive Car Insurance

progressive auto insurance arizon

Founded in 1937 as a drive-in claims service, Progressive has expanded over the years to offer a full range of services, such as 24/7 claims availability, competitor rate comparisons, and the Name Your Price® option.

Allstate

allstate car insurance in arizona

Allstate insures more than 16 million households and owns nearly $105 billion in assets.

The Good Hands People® offer standard automobile insurance with add-on benefits like the Safe Driving Bonus® and the DriveWise® app, an innovative tool that rewards safe drivers.

USAA

usaa car insurance arizona

Insuring nearly 12 million people, USAA provides automobile and other insurance for active duty and retired military personnel along with their families.

USAA offers many discounts and reports that new members save an average of $707 per year.

Esurance

esurance auto insurance arizona

Esurance focuses on technology for insurance processes and the company is backed by the well-established Allstate.

Its auto services include a personalized policy with CoverageMyWay® and the Switch & Save discount®.

Liberty Mutual Insurance

liberty mutual auto insurance in florida

Liberty Mutual provides a 12-month rate guarantee for its auto insurance customers and offers a multi-policy (“bundling” with home or other policy) discount.

Special savings are available to drivers of hybrid/electric vehicles.

Elephant Insurance

elephant auto insurance arizona

Founded in 2009, Elephant services 5 million customers in eight countries and provides a broad array of coverage options with discounts for bundled policies, good students, and those who apply for quotes online.

American Family Insurance

american family insurance

Originally known as Farmers Mutual, American Family provides a variety of insurance services, with auto coverage including roadside service, 24/7 claims, and safe driver discounts.

What Is Mandatory For Car Insurance In Arizona?

According to the Arizona Department of Transportation, every vehicle in the state is mandated to have automobile insurance through a company authorized to do business in the state.

Minimum Levels Of Coverage:

  • $15,000: bodily-injury liability for one person and, $30,000: for two or more people
  • $10,000: property-damage liability

Arizona state laws require you to carry proof of car insurance in your vehicle in case of an accident or a request by a law enforcement official.

You cannot renew your car registration in Arizona without proof of adequate insurance. Failure to maintain proper insurance in Arizona could lead to the suspension of your vehicle registration and driver’s license.

How To Reduce The Cost Of Your Insurance In Arizona

Getting the best car insurance in Arizona and protecting yourself, your family, and your assets in case of an accident doesn’t have to break your budget.

You may be able to reduce your payments by choosing lower-cost options and modifying your driving habits.

To lower your premium rates, the Insurance Information Institute suggests the following:

  • “Bundle” your car policy with your homeowners or life insurance policies.
  • Establish or keep a solid credit history. Research shows that drivers with good credit scores make fewer insurance claims.
  • Ask about group discounts for professional, business, or alumni organizations.
  • Reduce coverage on older, less-valuable cars.
  • Shop around to compare costs and plans.

In addition to the tips mentioned above, car insurers offer many different discounts based on vehicle safety options, how and when you pay your premiums, your driving history, and other factors.

What To Prepare Before Speaking With An Insurance Agent

When speaking with insurance agents, make sure you have all of the following information at hand so you can get the most accurate quote:

Vehicles

Know the make, model, year, VIN, typical usage, built-in safety features, and anti-theft devices for each car you wish to insure.

Drivers

Know the birth dates and driving history for each person under your policy.

If you are insuring a teenage driver, have his or her school grades on hand to share with the agents. A good student discount can help reduce the cost of your premiums.

Household

Have a list with your address and information about where you park the car(s) you are insuring.

Where you park could make a difference in the cost of your policy in Arizona. Estimate the assets you wish to protect and consider how much of your budget can be allotted to paying your premiums.

Defining your financial profile and risk tolerance can help to answer the question, “How much is car insurance in Arizona?”

What Can Increase The Cost Of Your Car Insurance In Arizona?

Certain factors may raise your car insurance premiums, and although you may not be able to control them all, you can minimize the associated costs.

Driver Age

Teenagers and senior drivers may see higher premiums due to the higher risk of driving associated with these age groups.

A driving refresher course may help reduce insurance rates for senior citizens, and you can review the recent spate of distracted driving accidents (and how to avoid them) with your teen.

Driving Record

Traffic violations affect insurance rates in Arizona. How much your insurance will increase depends on the company that holds your policy as well as the severity of the incident.

Driving under the influence of drugs or alcohol in Arizona may result in losing your driving privileges, and insurance costs will most likely rise once you are reinstated to drive. Obey all local and state traffic laws, and enroll in a remedial driving course if necessary.

Vehicle Type

More expensive cars cost more to insure due to potential repair costs as well as an increased risk of theft.

If your car is more likely to cause or receive extensive damage in a collision, you may pay higher liability premiums.

With that in mind, when shopping for a car that’s right for your needs, remember that models with high safety standards can help you save in more ways than one.

Finding the best car insurance in Arizona becomes a simple task when you compare insurance companies using the criteria in this article.

As you speak with agents, remember to share all pertinent information to help you get the best policy to fit your needs and budget.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.