Compare Arizona Car Insurance Rates [2023]

The above table illustrates the most recent data provided by the leading source on the matter, the National Association of Insurance Commissioners. Expect car insurance rates in Arizona to be significantly higher for 2019 and on.

Below, we can see how rates compare for Arizona car owners versus other states.

Don’t forget: Arizona has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Arizona.

The attorneys at Begam, Marks, and Traulsen talk about why you should consider getting more than the minimum amount of coverage:

“Now, consider the average cost of an MRI is up to $3,000 alone. If you must visit an emergency room following a car accident, you could easily exceed these policy limits, even for a minor injury. We recommend carrying underinsured and uninsured policies above the minimum required amounts of coverage.”

While there are pros and cons to purchasing basic car insurance, you have plenty of options to customize your coverage.

Additional Liability Coverage in Arizona

MedPay, Uninsured, and Underinsured Motorist coverage are all optional in Arizona, but they’re still important to have. Why? In 2015, 13 percent of motorists in the US were uninsured, and 12 percent of motorists in Arizona are also uninsured — these drivers would likely go bankrupt before they could pay off bills for damage and injuries they caused in a car accident.

Arizona ranked 24th in the nation in 2015 for uninsured or underinsured drivers.

Arizona has been on a downward decline as far as loss ratio is concerned, but Arizona is still on the higher end of how much is covered.

Popular Add-Ons, Endorsements, and Riders in Arizona

We know getting the complete coverage you need for an affordable price is your goal.

While you should always determine if you really need car insurance extras, you can explore your options below:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance, which usually covers towing
• Mechanical Breakdown Insurance, which sometimes pays for a bad engine or motor
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-as-You-Drive or Usage-Based Insurance

Compare Arizona Car Insurance Rates for Male Versus Female Drivers

Is the cost of car insurance really higher for boys than for girls? Find out below.

Popular myth: men pay more for car insurance. In Arizona, however, it seems like it mainly depends on your age instead of your gender.

If you are a 17-year-old, look to pay less for car insurance if you are a female.

One thing to remember: your coverage limits and your driving record will play a major role in your costs.

Compare Arizona Car Insurance Rates by ZIP Code

Don’t see your ZIP code on the list above? See if it’s on the list of most expensive ZIP codes below.

Compare Arizona Car Insurance Rates by City

Desert Hills has the cheapest car insurance rates in Arizona.

Those of you who live in Phoenix, depending on your ZIP code, will end up paying $4,000 – $5,000 a year on car insurance!

Arizona Car Insurance Companies

With many top car insurance companies out there, it’s nearly impossible to know who you can trust or when is the right time to switch (if ever).

Let us help you figure that out.

Keep reading to get the inside scoop on who the best providers are (and why) across the Grand Canyon State.

Compare Arizona Car Insurance Rates by Company

Compare Arizona Car Insurance Companies by Ratings

Let’s dive right in with financial ratings and a look at the top ten Insurance providers in Arizona.

The 10 Largest Arizona Car Insurance Companies’ Financial Ratings

Sometimes it’s more important to know what people are saying about these companies than it is to know the financial data. You’re the customer, after all, and you need to be treated well! Read on to find out what other customer experiences have been like.

Arizona’s Car Insurance Companies With the Best Customer Ratings

J.D. Power and Associates in 2018 ranked CSAA the highest for customer satisfaction in the Southwest. Though The Hartford is not too far behind; there is only one point separating them from CSAA.

J.D. Power Business Consultant says, “Cost is not the sole indicator of customer satisfaction in the auto insurance industry. Low prices may attract new customers, but it’s service that keeps them.”

Here’s the total breakdown for 2018:

Arizona’s Car Insurance Companies With the Most Customer Complaints

A bad review and complaint every now and again is par for the course for any business. But when there are multiple bad reviews and complaints, the time has come to start paying attention.

Here are the companies in Arizona with the most customer complaints:

Sometimes complaints are balanced by overall car insurance company customer satisfaction ratings. Be sure to account for all factors as you’re shopping around.

Compare Arizona Car Insurance Rates by Commute

For companies such as Farmers and Allstate, and most other companies on this list, the cost is the same no matter the length of the commute.

However, commute times are just one of the factors that can affect your rates.

Compare Arizona Car Insurance Rates by Coverage Levels

Interestingly enough, State Farm does not offer a high level of coverage. The company that offers a high level of coverage at the most reasonable price is Geico. This is just one of many benefits of having Geico car insurance.

Compare Arizona Car Insurance Rates by Credit History

Your credit score can work for you or against you when it comes to the cost of your car insurance in Arizona. Let’s see which companies have the best rates, no matter your credit history:

Looks like Geico wins out again, having the best rates no matter your credit history.

Compare Arizona Car Insurance Rates by Driving Record

Much like credit history, your driving record can work for you or against you when it comes to the cost of your car insurance in Arizona. Take a look at how annual rates differ based on your driving record.

Geico’s rates are the same regardless of your record. USAA offers the lowest rates when it comes to having a clean driving record.

Largest Car Insurance Companies in Arizona

Number of Insurers in Arizona – Domestic Versus Foreign

• Domestic – 40
• Foreign – 943

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Arizona Car Insurance Laws

Arizona has a number of specific laws unique to their state, so be aware (especially if you’re a new resident or just passing through).

No Uninsured Motorist Coverage – If you live in Arizona, there is no uninsured motorist coverage available unless you purchase additional liability protection from an insurer other than Allstate. This means that even though you may not own any vehicles registered in another state, you could still face financial ruin due to an injury caused by someone who does not carry auto insurance.

Uninsured/Underinsured Motorists Coverage – In addition to having no UM coverage, residents living in Arizona also do not receive benefits under this.

You can read up on the specifics of some of their laws and fining procedures here to avoid incurring fees and possible insurance rate increases.

High-Risk Insurance in Arizona

Sometimes, bad things happen to you on the road, and your record ends up being less-than-stellar. In Arizona, a high-risk driver must have a type of filing with their insurance called an SR-22.

Here are some reasons Arizona drivers need an SR-22 once they’re driving privileges are reinstated:

• Failing to have the minimum liability coverage required.
• An alcohol or drug violation, e.g., DUI.

If you’re a high-risk driver and unable to find coverage through the free market, Arizona has a provision for you called Arizona Automobile Insurance Plan. This plan also occasionally helps with low-income car insurance in Arizona.

Arizona’s Windshield and Glass Repair Laws

So, maybe a rock hits your windshield. Or some strange occurrence happens when you get a crack in your windshield. Whatever happens, it leaves you wondering if your broken car window is covered by insurance.

Is it required for insurers in Arizona to pay for windshield repairs? Only if you purchase optional “full glass” or “safety equipment coverage.”

In Arizona, insurance companies have the option of offering to repair your windshield with aftermarket and used parts — as long as you agree. If you decline, you then agree to pay the difference in the cost of repairs to your windshield.

The Statute of Limitations in Arizona

If you get into an accident and your claim to what happened is disputed, it is important that you be informed as to what the statute of limitations laws are in your state. What does this mean?

“Plaintiffs have time limits in which to file a civil claim, collectively called ‘statutes of limitations.’ The purpose of these laws is to ensure that claims are made while evidence is still relatively vital, and to prevent the constant ‘threat’ of a lawsuit long after the disputed event has occurred.”

Automobile Insurance Fraud in Arizona

Arizona takes insurance fraud very seriously. So seriously, in fact, that they have an entire division devoted to it called the Arizona Department of Insurance Fraud Unit.

Insurance fraud, according to the Arizona Department of Insurance Fraud, is divided up into hard fraud and soft fraud.

1. Hard Fraud: Someone deliberately fakes an accident, injury, theft, arson, or other loss to collect money illegally from insurance companies. Crooks often act alone, but increasingly, organized crime rings stage large schemes that steal millions of dollars.
2. Soft Fraud: Normally honest people often tell so-called “little white lies” to their insurance company. Many people think it’s just harmless fudging. But soft fraud is a crime and raises everyone’s insurance costs.

Arizona’s Vehicle Licensing Laws

To drive a car, you have to have a license. Keep reading to find out what Arizona’s mandatory licensing laws are.

Penalties for Driving Without Insurance

The penalties for driving without insurance in Arizona have different levels of penalty for each number of times the offense is committed.

• First offense: Fine of $500 (or more); license/registration/license plate suspension for three months
• Second offense: Fine of $750 (or more within 36 months); license/registration/license plate suspension for six months

Vehicle owners or leasees are required by state law to “Arizona requires that every motor vehicle operated on roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona.”

Teen Driver Laws in Arizona

Not all teen driving regulations are the same from state to state. Here’s what you need to know in Arizona:

Any restrictions are lifted after six months or after age 18, whatever comes first.

License Renewal Procedures and Older Drivers in Arizona

Arizona’s license renewal procedures for the general population and older drivers are pretty straightforward.

• Older Population License Renewal – Five years for people 65 years and older
• Proof of Vision Required – Every renewal
• Mail or Online Renewal Permitted – No

New to Arizona? Here are a few of the things unique to The Grand Canyon State:

New Residents or People Visiting Arizona

• If you are moving to Arizona, it is very important to register your car and get car insurance as soon as possible. If your car was insured in your previous state, the same levels of coverage may not be acceptable to the state of Arizona.
• No handheld phone or texting ban exists in the state of Arizona.
• There are no keep-right laws in the state of Arizona, but it is advised to keep right if you are driving slower than the traffic around you.

Whether you’re a resident or just passing through, it’s important to know the rules of the road! Take a peek at this basic rundown to make sure you are following the law.

Fault Versus No-Fault

Arizona is an at-fault state. This means you’ll be held liable for damages in an accident where you are the at-fault driver. Make sure you have a good liability policy in place to protect yourself against risks.

Impaired-Driving Laws in Arizona

You should always be careful, but Arizona is not one of the most dangerous states for drunk driving. Arizona has some strict laws and penalties against that behavior.

In 2017, there were 278 deaths due to alcohol-impaired driving on Arizona’s roadways. Arizona also ranks 31st in the nation as the most dangerous state for drunk driving. Below are the top 15 counties for fatalities involving an alcohol-impaired driver.

You should also know that Arizona is a zero-tolerance state for THC and metabolites while driving.

Keep-Right Laws in Arizona

Arizona does not have keep-right laws. There are no keep-right laws in the state of Arizona, but it is advised to keep right if you are driving slower than the traffic around you.

Speed Limits in Arizona

The maximum speed limit on rural interstates is 75 mph. On all other roads, it is 65 mph.

Child Safety Laws in Arizona

Be sure to restrain your children — their safety should be your first priority, but you should also be aware that Arizona imposes fines of up to $50 for a first offense (increasing on repeat offenses).

All children age 4 and under — or children ages 5–7 who are 57 inches tall or less — must be in a child restraint in the state of Arizona while riding in a moving vehicle. Eight years old and over 57 inches tall, they may wear an adult safety belt. There is no preference for the rear seat.

Also, you should know that Arizona does not have any laws for people riding in the cargo area of trucks.

Ridesharing in Arizona

Ridesharing services such as Lyft are now statewide in the state of Arizona.

But what about insurance? What happens if your ridesharing driver gets into an accident while you’re in the vehicle?

Ridesharing companies are required to carry a minimum of $1 million in coverage for liability and collision car insurance. So don’t worry — should the worst happen while taking an Uber or a Lyft, you’re covered! Read about rideshare car insurance for more information.

Automation on the Roads in Arizona

What is automation on the roads? “Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human.” In other words, self-driving or autonomous vehicles (or autonomous functions in vehicles).

Obviously, this sort of technology requires careful testing and regulation, but laws will vary state-to-state. Arizona does allow for the deployment of autonomous vehicles on their roadways. Here’s what else you need to know about what is currently allowed on the roads in Arizona:

• “Arizona does not require a licensed operator for a ‘fully autonomous vehicle’ when the ‘automated driving system’ is engaged.”
• Depending on the level of vehicle automation, Arizona may or may not require an operator.
• Autonomous vehicles in Arizona do require liability insurance.

We’re not through yet.

Safety Laws

Driving is a responsibility. It is your responsibility to stay safe behind the wheel and to do your best to help keep others safe.

Let’s talk about the safety laws in Arizona.

DUI Laws

Driving under the influence of alcohol is illegal in Arizona, and DUI laws are as strict as everywhere else in the country.

For your first offense, it is a Class 1 misdemeanor, with your license taken away for a period between 90 to 360 days. In addition, you will be in prison for a minimum of one to ten days and will pay a fine of $250.

For your second offense, it is a Class 1 misdemeanor, with your license taken away for one year. In addition, you will be in prison for a minimum of 30 to 90 days, have your license revoked for one year, and will pay a fine of $500.

Subsequent offenses are felonies and will have you paying more fines and doing more prison time.

Marijuana-Impaired Driving Laws

There is a zero-tolerance law for marijuana use in Arizona. It is legal for medical use, but you have to have it prescribed by a doctor.

If you possess less than two pounds of marijuana, it is a Class 6 felony. You will be punished with six to eighteen months in prison and pay up to $150,000 in fines.

Distracted Driving Laws

Effective as of January 1, 2021, it will be illegal to use a cellular phone while driving or text while driving in the state of Arizona.

As of now (July 2020), whether it is illegal or not is left up to the city. For instance, Flagstaff, Phoenix, and Tucson made it illegal to text while driving.

There are no distracted driving laws or formal consequences in Arizona at this time.

Facts You Need to Know About Arizona Car Insurance

Have you wondered how safe Arizona is?

Safety is high on your list of priorities, so it is high on our list of priorities as well.

Here’s what you need to know about Arizona.

Vehicle Theft in Arizona

Here are the top 10 stolen cars in the state of Arizona:

Watch out, those of you who own Hondas. You take over the top two spots in your state.

Road Danger in Arizona

The best way to stay out of danger on the roads is to drive defensively and be aware of common issues in your state.

Traffic Fatalities from 2017

Arizona is one of the states with the worst drivers. To prove it, here are statistics on traffic fatalities in Arizona from 2017.

Fatality Traffic Rates by City

Traffic Fatalities – Rural Versus Urban

• Rural (in 2017) – 352
• Urban (in 2017) – 347

Fatalities by Person Type

Fatalities by Crash Type

Five-Year Trend for the Top 10 Counties in Arizona

Fatalities in Crashes Involving Speeding by County

Fatalities in Crashes Involving Alcohol-Impaired Driving by County

Teens and Drunk Driving

Teenage drunk driving is a serious problem in a lot of states and one that each parent must take seriously.

EMS Response Time – Rural Versus Urban

Rural

Urban

Transportation

If you live in Arizona, chances are you live in a two-car (or more!) household, drive alone to work, and spend a hefty amount of your day commuting.

With an average commute time of 23.7 minutes, Arizona ranks above the national average, and with 76.5 percent of the population driving alone, that commute doesn’t rank Arizona as the greenest option when it comes to carbon emissions.

Car Ownership

Most of the households, 40.7 percent, in Arizona own two cars. This is on par with the national average of 40.3 percent.

Commute Time

Arizona workers spend an average of 27.3 minutes driving to work, which is a little longer than the 25.7 minutes Americans commute. Some Arizonians even suffer through a “super commute” — spending in excess of 90 minutes in the car!

Commuter Transportation

A little more than 76 percent of Arizonians drive alone on their way to work. Carpoolers make up 11 percent of commuters, while 6.76 percent of Arizonians work from home.

Top Five Cities for Traffic Congestion

If you don’t like traffic, you might want to avoid living in Phoenix. In 2017, a study found Phoenix to be the 15th highest city in the nation for traffic congestion and in the top 100 list of worst traffic cities n 2017, sitting at number 96.

For more information about traffic around the U.S., check out your city/state’s traffic index.

But if traffic doesn’t bother you, there are plenty of reasons to live in Phoenix — both as a travel and living destination.

Don’t waste another minute. Start comparison shopping car insurance rates today.