Arizona Insurance

Arizona Insurance

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Arizona Insurance: Finding the Most Affordable Rates

Things you love in Arizona: The Grand Canyon, the grand red rocks of Sedona, the grand Hoover dam. Bet you also love grand discounts on your auto insurance! At A Plus Insurance we’ll shop around to get you the best rate for Insurance in Arizona!

New A Plus Insurance Customers in Arizona Save on Average $606…that’s almost 5420 Eggs

How Tickets/Violations will impact Insurance rates in Arizona

What is the true cost of a violation, or accident? Not only are you responsible for paying the initial fine, if any, the result of a ticket or major violation will continue to impact your insurance rates for 3-5 years. How can you keep your Insurance cheap and affordable? Always practice safe driving, and consider taking a safety education course for additional insurance discounts.

ViolationAverage Insurance rate Annually
After Violation
% Average Insurance Rate Increase$ Insurance Rate Increase
DUI$2,996%125$1701
Reckless Driving$2,314%75$955
At Fault Accident$1,879%50$689
Hit and Run$3,189%140$1,915
Racing$3,098%140$1,805
Driving with Suspended License$2195%60$798

Most Affordable Liability Only Arizona Auto Insurance

In the search for the Cheapest Arizona Auto Insurance you may start with Liability Only. These minumum limits consist of $25,000 bodily injury liability per person and $50,000 per accident as well as $15,000 for property damage liability to others.

United, these coverages help pay for the injuries that you are responsible for, like vehicle repair, replacement, and the other person’s medical expenses (Up to the amount listed above as a minimum). If you do wish to have more than the state minumum, those limits are always available to you so that way you are not liable for out of pocket expenses for the other party involved.

Average Monthly Rates Liability Only

Car Insurance CompanyAverage Monthly Payment
The General$97
Mendota$100
National General$105
21st Century$107
Nationwide$112

Coverage Options for Arizona Drivers

Auto Insurance in Arizona is very customizable, meaning not all policies will be the same. The be legal on Arizona roads, you must at least carry the State Minimum Required Liability limits which is $25,000 per person BI, up to $50,000 per accident BI, and $15,000 PD. Additional coverages that are offered by most insurance providers include:

Comprehensive

Collision

Loan/Lease Payoff

Medical Payments

Uninsured Motorist Bodily Injury Protection

Roadside Assistance

Rental Reimbursement

Least Expensive Full Coverage Rates for Arizona Auto Insurance

The Grand Canyon is older than the dinosaurs! And if your car is just as old as you, may only need the State Minimum liability insurance. But what if you cant afford to repair or replace your car after an accident? 

Add Comprehensive and Collision insurance to cover the repairs! Though not mandatory for Arizona Insurance, it may just save you a big pay out. Typically with comprehensive and collision, you will have a deductible that you will have to pay, and the insurance company will pick up the rest of the Actual Cash Value of the Vehicle.

We also do have a company that will allow you to just add Comprehensive to your policy to help prevent against, wind, fire, hail and theft towards the vehicle. Even impact with an animal. This way you have some coverage, but not a full coverage policy and paying for the price.

Call us! An A Plus Agent will shop around for you and help any questions you might have.

Average Monthly Rates Full Coverage

Car Insurance CompanyAverage Monthly Payment
Progressive$138
Travelers$140
Allstate$145
Nationwide$146
National General$151
Full Coverage simply means you have added comprehensive and collision to your coverage.

How much does SR-22 Insurance cost in Arizona? And is it affordable?

Arizona is the sunniest state in the country. Take that Florida! But it may not be so sunny when you have a serious moving violation against you. Make sure to follow up with the state to see how long you need this SR-22 filing for.


An SR-22 allows you to keep on the road after you’ve been convicted of a DUI, DWI, or another violation suspending your license. This will also be one of the items you will need prior to reinstating your license after a conviction. So if you need cheap SR-22 Insurance in Arizona, please fill free to reach out to us.

Average Monthly Rates with an SR-22

Car Insurance CompanyAverage Monthly Payment
Mendota$90
National General$91
GEICO$95
Progressive$99
The General$105

Least Expensive Insurance Rates For Young Arizona Drivers

Are you young, wild, and free?! Well that may be why your insurance premium is high!

According to Forbes, inexperienced and weekend driving are key factors for an Insurance Company!

Teens are more likely than older drivers to not recognize or to underestimate dangerous situations on the road. More than half (52%) of car crashes happened on a Friday, Saturday or Sunday!

But don’t worry, we can find a rate that is affordable from our trusted brands here at A Plus Insurance!

Average Monthly Rates For Young Drivers

Car Insurance CompanyAverage Monthly Payment
Dairyland$133
USAA$145
Progressive$148
Bristol West$154
American Family$155

Best Arizona Car Rates With a Bundle/Homeowners Discount

Copper, cattle, cotton, citrus, and climate…the 5 C’s when bundled together make Arizona! Do you know what else you can bundle in Arizona?!

Your Arizona Insurance for Auto and Homeowners. In fact it could lead to savings on both.

Call A Plus Insurance whether you are soaking in the hot climate with a delicious citrus drink atop a soft cotton saddle while riding your cattle in the copper sunset. We can get an Arizona Insurance bundle that works for you! 

Average Monthly Rates With a Bundle/Homeowners Discount

Car Insurance CompanyAverage Monthly Payment
Mendota$134
Bristol West$135
Dairyland$142
GAINSCO$146
Nationwide$146
Arizona Insurance

Cheapest Arizona Auto Insurance Rates

With Bad or Poor Credit

Some Insurance companies will reject an application if you have a poor credit score. You may be risky business for them. 

Fear not, just like you can stand in four states at once in Arizona, we will scour multiple insurance companies with our trusted brands to find an affordable rate for you!

Average Monthly Rates Bad or Poor Credit

Car Insurance CompanyAverage Monthly Payment
GEICO$154
AssuranceAmerica$158
The General$160
Dairyland$165
Bristol West$168
Bad credit is not a jail sentence, let A Plus Insurance Bail you out!

Affordable Arizona Auto Insurance Rates

With DUIs, Accidents, and Violations

Arizona is a no-tolerance state for driving while intoxicated, meaning you can be arrested with a blood-alcohol content of less than the legal limit of 0.08 percent.

Violations like a DUI typically increase insurance rates because the carrier now views the driver as ‘riskier’. That does not mean you are out to dry in the Arizona sun, options exist at reasonable rates.

Average Monthly Rates With Violations on Your Record

Car Insurance CompanyAverage Monthly Payment
National General$155
21st Century$156
Bristol West$157
Mendota$157
Dairyland$158

Average cost for Car Insurance in Arizona cities

Since Insurance prices vary based on your location, as well as several other factors, you will see different insurance prices depending on where yo live. Larger cities such as Phoenix area, and Glendale are heavily populated, which leads to a greater number of accidents, and claims in those particular areas. Insurance prices will be slightly higher in areas with a greater population of people. You can do your part to help keep insurance prices in Arizona low and affordable, by always carrying insurance, and practicing safe driving habits at all times.

Rank CityAvg. Annual Premium
1Phoenix$1,895
2Glendale$1,769
3Tempe$1,593
4Scottsdale$1,585
5Mesa$1,576
6Tucson$1,520
Rank of highest cost cities for insurance in Arizona

Least Expensive Arizona Auto Insurance Rates for Male Drivers

Men are from Mars and the surface of Arizona is just as Hot! It is known statistically that male drivers pay more than their female counterparts. 8% more to be exact.

That may be out of this world, but your Arizona Insurance rates can be down to earth if you shop around.

Average Monthly Rates For Male Drivers

Car Insurance CompanyAverage Monthly Payment
Nationwide$155
21st Century$157
Progressive$159
Bristol West$160
Dairyland$165

Frequently Asked Questions About Auto Insurance in Arizona

Where can I find some of the cheapest auto insurance in Arizona?

Depending on factors such as age, gender, zip code, etc., it can be hard to say who is YOUR best fit. That’s why it’s so important to shop around and have an agent compare rates for you: https://learnandserve.org/get-insurance-quote/

Is state minimum liability insurance enough?

From your State’s view – Yes. Everyone’s situation is completely different. One coverage that would fit one person will not fit the other person. If you are unsure exactly what coverage you were needing it is always recommended to talk with an agent. They can access what your needs are and how to fulfill them with the right insurance coverage.

Something good to know about Good drivers in Arizona– drivers without a recent at-fault accident can save 37% on their car insurance! But with this said, rates vary still depending on age, good or bad driving history, exact location of where you live in Arizona, Etc. The best way to know you’re getting the best policy for your property is to compare as many insures as possible.


Additional Helpful Links
Cheapest Auto Insurance in South Carolina
Auto Insurance in Calhan
Home Insurance in Arizona
Auto Insurance in Rock Hill
SR-22 Insurance in Arizona
Auto Insurance in Wasilla, Alaska
Cheap Auto Insurance in Oklahoma

Last Updated on June 21, 2022 by Marlon Moss