The Best Car Insurance in Arizona: Rates and Coverage Options
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Are you curious about the cost of car insurance in Arizona? We've got you covered! In this article, we'll break down the rates and coverage options, helping you make an informed decision on the best car insurance in Arizona.
Understanding Car Insurance Costs in Arizona
When it comes to car insurance in Arizona, the average annual cost for medium coverage insurance is around $1,516, as per our 2023 study of the Best Car Insurance Companies. This translates to an approximate monthly payment of $126, which is slightly lower than the national average of $1,442.
The cost of auto insurance in Arizona depends on several factors, including your driving history, previous claims, credit score, age, gender, the insurance company you choose, and your vehicle's make and model. Additionally, the type and level of coverage you select can also impact your rates. Understanding how Arizona car insurance operates and comparing rates nationwide can assist you in finding affordable and suitable coverage for your needs.
Top Car Insurance Companies in Arizona
Here's a list of the average rates offered by some of the leading car insurance providers in Arizona:
COMPANY | AVERAGE RATE |
AAA | $1,893 |
Allstate | $2,163 |
Farmers Insurance | $1,501 |
Geico | $1,203 |
Nationwide | $1,253 |
Progressive | $1,550 |
Shelter Insurance Group | $1,667 |
Southern Farm Bureau | $1,160 |
State Farm | $1,225 |
Travelers | $1,285 |
USAA | $875 |
Statewide Average | $1,490 |
Finding the Cheapest Car Insurance in Arizona
According to our research, Root offers the most affordable car insurance in Arizona, with an average yearly rate of $610. This rate is significantly lower than the state's average of $1,516 per year. On the flip side, Allstate and The General are the most expensive options, with average annual rates of $2,542 and $2,582, respectively.
Car Insurance Rates for Different Driver Profiles in Arizona
Teen Drivers (17-year-olds): Root offers some of the lowest rates for teen drivers, with yearly average rates of $1,728 for females and $1,887 for males. In contrast, Progressive is the most expensive option, with average rates of $10,244 for females and $11,376 for males. The average rate for teen drivers in Arizona is approximately $5,370 for females and $6,231 for males.
Young Adults (25-year-olds): Unmarried 25-year-olds can find affordable car insurance with Root, with average yearly rates of $686 for females and $669 for males. Conversely, The General is the priciest choice, with rates of $3,392 for females and $3,583 for males. The average yearly rate for young adult drivers is around $1,757 for females and $1,862 for males.
Seniors (60-year-olds): Root emerges as the most economical car insurance provider for married 60-year-old drivers in Arizona, offering yearly rates of $544 for females and $612 for males. Allstate, on the other hand, is the costliest option, with a yearly rate of $2,364 for both genders. The average rate for female seniors is approximately $1,269, while males pay an average of $1,357.
Car Insurance Rates for Different Driving Records in Arizona
Good Drivers: Root offers the most affordable rates for good drivers in Arizona, with an annual average rate of $610 for those with a clean record. Allstate is the priciest option for these drivers, with an average yearly rate of $2,542. Typically, good drivers can expect to pay an average rate of $1,516 in Arizona.
After a Speeding Ticket: If you receive one speeding ticket in Arizona, Root provides the cheapest car insurance option, with an average annual rate of $683. The General is the most expensive choice for drivers with a speeding violation, with an average rate of $3,023. On average, drivers with a single speeding ticket on their record in Arizona pay around $1,859.
After an Accident: With one accident on your record in Arizona, Root remains the most affordable car insurance company, offering an average yearly rate of $842. Allstate is the costliest option for drivers with one collision, at $3,621 per year. The average rate for drivers in Arizona with one accident on their record is approximately $2,170.
After a DUI: If you have one DUI on your record, Root stands out as the most affordable car insurance provider in Arizona, with an average rate of $612. The General is the priciest option, with yearly rates of $3,228, significantly higher than the state average for one DUI, which stands at $2,174.
High Coverage and Minimum Coverage Car Insurance Rates in Arizona
High Coverage: For Arizona drivers seeking high coverage, Root offers the most competitive rates at an average of $640 per year. The General is the most expensive choice, with average rates of $2,825. On average, high coverage insurance in Arizona costs around $1,629.
Minimum Coverage: When it comes to minimum coverage in Arizona, Root again emerges as the most affordable option, with an average rate of $585 per year. Conversely, Allstate is the priciest provider for low coverage insurance, with an average yearly rate of $2,366. The average rate for minimum coverage car insurance in Arizona is approximately $1,405.
How We Prepared This Arizona Car Insurance Guide
To compile this guide on car insurance in Arizona, we partnered with Quadrant Information Services. We analyzed publicly available rate data that car insurers submit to state regulators. These rates are not binding quotes but are for comparative purposes only. Car insurance rates vary based on individual factors such as age, location, driving record, and vehicle type.
Our 360 Reviews team does not accept product samples, gifts, or loans for review. We maintain a separate business team with no influence over our methodology or recommendations.
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