Noblr : $ 131 per year
root : $ 341 per year
Safeco : $ 341 per year
Geico : $ 387 per year
Clearcover : $ 395 per class
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Arizona
|Lake Havasu City||$778||0.0%|
|San Tan Valley||$1,153||48.3%|
Factors That Affect Car Insurance in Arizona
Although mature drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car policy rates can save older drivers hundreds of dollars a year.
Read more: The 7 Best Car Insurance Companies (2022)
Cheapest Car Insurance in Arizona
- Noblr: $27 per month
- Root: $35 per month
- Geico: $43 per month
- Safeco: $45 per month
- Clearcover: $46 per month
7 Tips for How to Get Cheap Car Insurance in Arizona
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Arizona, regional insurers like The Hartford and Safeco might have lower rates than national companies like State Farm, Allstate, and American Family and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Arizona
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
5. Search for discounts
Top car insurance companies in Arizona have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Arizona. On average, drivers in the
7. Skip coverage if you’re not a full-time resident
Hundreds of thousands of seasonal residents come to Arizona each winter, living in the state for three to five months out of the year. But part-time Arizona residents only need to maintain insurance coverage in the state of their permanent residence, where they live the majority of the year.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
|Category||All Profile Characteristics||Good Driver Profile|
|Age||16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65||45|
|Marital Status||Single, Married||Single|
|Teenage Driver Included on Policy||No, Yes||No|
|Driving Record||Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident||Clean|
|Miles Driven Per Year||7,500 Miles, 15,000 Miles, 20,000 Miles||15,000 Miles|
|Coverage Level||Minimum, Standard, Full||Minimum|
|Discounts||None, Multi-Policy, Homeowner, Student||None|
|Credit Level||Poor, Good||Good|
|Filings||None, SR22, FR44||None|
|Car||Sedan, Minivan, SUV, Coupe, Truck||Sedan|
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability, as required by Arizona’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Arizona insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car policy companies in Arizona is based on data from the Arizona DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest car insurance companies for Arizona drivers in a solicitation of samara categories. For each profile, WalletHub compared quotes among peak Arizona car policy companies by averaging premiums from 39 nothing codes that represent at least 20 % of Arizona ‘s population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may distillery be the best option overall for eligible drivers.In the mesa below, you can see all of the visibility characteristics that were used in WalletHub ’ mho analysis, in accession to the specific subset of characteristics that make up our dear Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Arizona indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is congressman only. individual rates will be different. Don ’ thyroxine forget to include local indemnity companies in your search for brassy car indemnity. In Arizona, regional insurers like The Hartford and Safeco might have lower rates than national companies like State Farm, Allstate, and American Family and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car indemnity. But in Arizona, companies can besides consider your old age, sex, credit history, marital condition, and more when setting premiums. The cable car you drive, your annual mileage, and even some factors beyond your manipulate all impact the price of insurance.You ’ ll see higher rates if you let your policy lapse, even if you don ’ thymine own a car. Arizona drivers who don ’ deoxythymidine monophosphate maintain continuous coverage pay an average of 13 % more than those with five or more years of indemnity history.You need indebtedness policy to pay for the other driver ’ south damages if you ’ re at defect in an accident in Arizona. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based policy might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.Don ’ t stint on the coverage you need, but do make inform choices. That direction, you won ’ t end up paying for more cable car indemnity than you need.Top car insurance companies in Arizona have a variety of discounts, so about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, good driver, homeowner, will to go paperless, and more.Car policy prices can vary a lot based on slide fastener code in Arizona. On average, drivers in the most expensive parts of Arizona spend over $ 1,000 more per class on car policy than those living in the least expensive areas.Hundreds of thousands of seasonal worker residents come to Arizona each winter, living in the state for three to five months out of the year. But part-time Arizona residents only need to maintain policy coverage in the state of their permanent residence, where they live the majority of the year .