Read More
Types of Coverage Offered
- Accident forgiveness
- collision
- comprehensive
- indebtedness
- rental reimbursement
- Roadside aid
- Underinsured motorist
- Uninsured motorist
Discounts Available
- annual mileage
- defensive drive
- Driver aim
- family discount rate
- dear scholar
- Length of membership
- military initiation
- Multi-vehicle
- New vehicle
- safe driver
- Vehicle memory
More USAA Insurance Reviews
USAA car policy review
USAA homeowners insurance reappraisal
USAA renters indemnity review * Data provided by Coverage.com, price based on a minimal coverage policy. **J.D. exponent 2021 Auto Insurance Satisfaction Study rat for the Southwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Arizona
Arizona ’ south car insurance rates are on par with the national average. Customers broadly pay an annual average of $ 930 for the state ’ s minimum required liability indemnity and $ 2,426 for a full coverage policy. many factors can have an impact on your car insurance. localization is one significant gene, and Arizona ’ s low population and rural nature helps keep rates lower. You can besides expect your repel record, accredit grudge, long time and vehicle to influence your rates. Be sure to shop about, as rates can vary significantly from one company to the next .
Top 3 Cheapest Car Insurance Companies in Arizona
| Company | Average Annual Premium |
| Geico | $547 |
| Travelers | $572 |
| USAA | $782 |
* Data provided by Coverage.com, monetary value based on a minimum coverage policy.
Top 3 Most Expensive Car Insurance Companies in Arizona
| Company | Average Annual Premium |
| State Farm | $1,715 |
| Western United | $1,171 |
| American Family | $978 |
* Data provided by Coverage.com, price based on a minimum coverage policy .
Top 3 Cheapest Cities for Car Insurance in Arizona
| City | Average Annual Premium* |
| Douglas | $639 |
| Lake Havasu City | $671 |
| Chino Valley | $685 |
* Data provided by Coverage.com, price based on a minimal coverage policy .
Top 3 Most Expensive Cities for Car Insurance in Arizona
| City | Average Annual Premium* |
| Phoenix | $1,128 |
| Glendale | $1,101 |
| Laveen | $1,036 |
* Data provided by Coverage.com, price based on a minimum coverage policy.
Arizona Car Insurance: What You Need to Know
The cable car indemnity laws are unlike in every state, so it ’ south important to learn the laws in your state before driving. Arizona is no exception, with its alone insurance laws. Arizona ’ s minimum coverage requirements are fairly standard compared to other states. additionally, Arizona follows at-fault laws, so drivers are not required to carry personal injury protection. Although Arizona drivers are not required to carry uninsured or underinsured motorist coverage, the state has a relatively high act of uninsured drivers. Data from the Insurance Information Institute ( Triple-I ) finds that about 12 % of drivers in Arizona have no insurance, despite it being a legal prerequisite. Drivers should besides consider purchasing more coverage than what is required, due to the country ’ s senior high school total of traffic fatalities. In 2019, there were 980 fatal collisions on Arizona roads. In 2020, the number rose to 1,057, despite the fact that Arizona drivers traveled five billion fewer miles in 2020 compared to the year ahead .
Arizona Minimum Insurance Requirements
The state of Arizona requires all drivers to carry liability policy. If you don ’ t have the compulsory indemnity, you could face fines and license or vehicle registration suspension. Minimum liability required in the state of Arizona is divided as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Additional Car Insurance Coverage in Arizona
In accession to the minimal coverage requirements, many cable car policy companies offer optional coverages for more auspices. here are some of the extra coverages that Arizona drivers may want to consider buying :
- New car replacement: This coverage is designed to replace your new car with the same make and model if yours is totaled in a covered accident.
- Accident forgiveness: This option could help you avoid a premium increase after an at-fault accident.
- Roadside assistance: When you’re stranded on the side of the road, your insurer’s roadside assistance could help you get towing service, a flat tire change, and more.
- Uninsured/underinsured motorist: This optional coverage (though required in some states) is designed to cover your losses if you’re in an accident where the at-fault driver doesn’t have insurance.
Arizona’s At-Fault Law
Arizona is an at-fault state for car insurance, meaning the person who causes an accident is financially creditworthy for any price. Assuming the at-fault driver has the required minimum indebtedness insurance, their car policy ship’s company should cover the costs up to their coverage limits.
Arizona Car Insurance FAQ
What is the minimum car insurance required in Arizona?
Arizona requires all drivers to carry both bodily injury and property damage liability policy known as 25/50/15. This translates to $ 25,000 for bodily injury to one person, $ 50,000 for bodily injury to two or more people per accident, and $ 15,000 for property damage per accident .
What is the average auto insurance cost in Arizona?
The average minimal coverage car insurance policy in Arizona costs $ 930 per year, based on quote annual premiums from Coverage.com. For full coverage, you should expect to pay an average of $ 2,426 per class, but your actual rate will depend on things like your ZIP code, historic period, credit mark, and driving phonograph record .
What is the cheapest car insurance company in Arizona?
Geico has the cheapest indemnity in Arizona with an average minimal liability policy of $ 547, based on sample rates from Coverage.com. however, the cheapest supplier could be different for every driver, based on personal factors and your vehicle .
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best cable car insurance in Arizona, our editorial team compared affordability, customer support, coverage options, customer atonement scores and on-line resources from each ship’s company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in take care and are meant to be a helpful creature to simplify the process of choosing which car indemnity party is best for you. As for average price, we used Coverage.com ’ s data of car policy in Arizona, based on the profiles of a 30-year male and female. For full coverage, the details used were the keep up :
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
minimal coverages were applied to match state requirements. Both drivers used a new, finance 2018 Toyota Camry, commuting five days a workweek and driving 12,000 miles per year. Since car insurance rates vary widely among unlike profiles, we encourage you to compare options that fit your specific needs.
Read more: The Best Car Insurance Companies for 2022
About the Authors
Elizabeth Rivelli Contributing Writer Elizabeth Rivelli is an indemnity writer for Reviews.com. Over the last class, she has covered insurance providers, best policies, diligence trends and more. Elizabeth has been featured in The simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor ‘s degree in Communication Studies from Northeastern University in Boston, MA. The Best term Life Insurance Companies is Elizabeth ’ s favorite reappraisal on Reviews.com .