Why is Arizona car insurance so expensive?

car policy in Arizona is expensive because the state has higher than average dealings fatalities, with 1.4 deaths per 100 million miles drive ( compared to the national average of 1.1 ). In Arizona, you can expect to pay approximately $ 1,443 per class for full coverage car insurance or $ 581 per class for minimum coverage. car policy in Arizona is less expensive than the national average, which is around $ 1,500 annually for fully coverage and about $ 600 per year for minimal coverage .
The cost of car insurance is steadily increasing, besides, both in Arizona and nationally. As the cost of providing policy goes up, the premiums insurers charge besides rise. All insured drivers share the increasing price of indemnity. That is why your rates tend to go up every time your policy is renewed, careless of whether any person factors—like your drive record or location—have changed .
There are several singular reasons why car policy goes up every year in Arizona, excessively, even if your details remain the same .

Top Reasons Car Insurance Is Expensive in Arizona

  • People in Arizona are driving more

As a resultant role, the number of accidents, claims, and payouts is rising, besides. In Arizona, there were approximately 919 black crashes in 2018, versus 770 fatal crashes in 2014.

  • Arizona auto repairs are getting more expensive

Another reason Arizona car insurance is getting more expensive is that cars are becoming more expensive to repair. In 2016, the average cost of car repairs in Arizona was $ 890.74, astir from $ 781.71 in 2012. Vehicles today cost more to repair due to all the technology and features inside them now .

  • People in Arizona drive uninsured

As the cost of car indemnity continues to rise, more drivers take the risk of driving without car policy. In 2015, 12 % of drivers lacked even minimal indebtedness indemnity in Arizona. The cost of uninsured drivers is passed on to consumers through higher premiums .

  • Healthcare in Arizona is getting more expensive

cable car insurance companies are hit hardest when paying out claims involving medical bills, and it ’ s not getting any cheaper. Healthcare spending increases by an average of 6.9 % every class in Arizona .

  • Arizona is experiencing more severe weather

In Arizona, austere weather events like droughts, extreme temperatures, and wildfires are becoming increasingly common. These weather events cause insurers to pay out a higher numeral of claims, which tend to be more expensive and less predictable. As a resultant role, they have to raise rates to keep pace .
however, there could be other issues elevating your rates.

If your drive record is clean and your rates are distillery eminent, your car insurance might be expensive because of your :
Age. Drivers under 25 and older than 65 pay more for car coverage because they are statistically more likely to be involved in good and black accidents. In Arizona, 16-year-old drivers pay an average of $ 6,841, 25-year-old drivers pay an average of $ 1,741, and people over 65 pay an average of $ 1,459 .
Location and driving patterns. Population-dense cities have higher premiums than rural areas because city survive normally means more accidents, more property crime, and more frequent claims. In Arizona, the most expensive locations for insurance are Phoenix, Glendale, and Tolleson. You can besides expect rates to change based on your driving patterns—long commutes or regular drive in bad areas can cost you .
Financial responsibility. In Arizona, drivers with no accredit pay 91 % more on their premiums than drivers with excellent citation. You can besides demonstrate fiscal province by maintaining minimum car insurance with no gaps in coverage. Letting your coverage lapse could raise your rate by angstrom much as 13 % in Arizona, when you get your next policy .
Claims history. You should avoid filing small claims that can drive up your premiums. In Arizona, the average collision title raises a driver ’ randomness rates by $ 636.60, which amounts to $ 1,910 over the course of three years. If you have a $ 500 deductible and a $ 1,500 claim, you ’ ll end up paying $ 2,410 through insurance, versus $ 1,500 out of pocket. In that case, filing a claim is not the best option.

How to Get Cheaper Car Insurance in Arizona

multiple factors affect the price of car insurance. Some things you can ’ t command, but you do have a say in most of the put up factors. Driving safely, obeying traffic laws, and keeping a cleanse force record are the best ways to keep your indemnity costs down .
other than that, the best way to lower your car indemnity costs is to compare rates from at least three policy companies. ideally, you should check your rates every 6-12 months, when you renew your policy. But at a minimum, be surely to check your read and denounce for rates every three to five years, since you may be able to get a lower rate if a dealings trespass falls off your record .
In Arizona, the most expensive policies cost approximately $ 1,305, and the least expensive coverage costs about $ 952, when all driver profile information is the lapp. That means you could save a much as $ 353 simply by shopping around. Be sure to confirm you ’ re getting all the discounts you ’ re eligible for, besides.

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