- Arizona Insurance: Finding the Most Affordable Rates
- How Do Tickets and Violations Affect Insurance Rates in Arizona?
- Most Affordable Liability-Only Arizona Insurance
- Coverage Options for Arizona Insurance
- Least Expensive Full Coverage Rates for Arizona Auto Insurance
- How Much Does SR-22 Insurance Cost in Arizona? Is It Affordable?
- Arizona Insurance – What is SR-22 Insurance?
- Arizona Insurance – Least Expensive Insurance Rates For Young Arizona Drivers
- Best Arizona Car Insurance Rates With a Home and Auto Bundle
- How Much Is Renters Insurance in Arizona?
- Cheapest Arizona Auto Insurance Rates with Bad or Poor Credit
- Affordable Arizona Auto Insurance Rates With DUIs, Accidents, and Violations
- Average Car Insurance Cost in Arizona Cities
- Least Expensive Arizona Auto Insurance Rates for Male Drivers
- Frequently Asked Questions about Arizona Insurance
- Comprehensive Guide to Arizona Insurance
How Do Tickets and Violations Affect Insurance Rates in Arizona?
Getting a ticket in Arizona doesn’t just mean paying a fine—it can also increase your car insurance rates for 3 to 5 years. More severe violations, like DUI or reckless driving, can lead to even higher premiums or policy cancellations.
How to Keep Your Insurance Rates Low After a Ticket:
- Drive Safely – Avoid future violations to prevent rate increases.
- Take a Defensive Driving Course – Some insurers offer discounts for completing an approved class.
- Compare Quotes – Shopping for a new policy may help you find a lower rate.
- Ask About Discounts – Many insurers provide savings for bundling policies, having a clean record, or using telematics programs.
Need cheaper car insurance in Arizona after a violation? Get a free quote today and see how much you can save!
| Violation | Average 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 Insurance
Looking for the cheapest liability insurance in Arizona? State law requires minimum liability coverage of 25/50/15, which means:
- $25,000 for bodily injury per person
- $50,000 per accident
- $15,000 for property damage
This coverage helps pay for injuries and damages you cause in an accident, including medical bills and vehicle repairs—but only up to these limits. If costs exceed your coverage, you’ll be responsible for the difference.
Want extra protection? Higher coverage limits are available to help you avoid paying out of pocket after an accident.
🔹 Need affordable liability insurance in Arizona? Get a free quote today!
Average Monthly Rates Liability Only
| Car Insurance Company | Average Monthly Payment |
|---|---|
| The General | $97 |
| Mendota | $100 |
| National General | $105 |
| 21st Century | $107 |
| Nationwide | $112 |
Coverage Options for Arizona Insurance
Arizona auto insurance can be customized to fit your needs, but there are minimum requirements to drive legally. The state mandates at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage
Want extra protection? Many insurance providers offer additional coverages, including:
- Comprehensive – Covers damage from theft, weather, or vandalism
- Collision – Pays for repairs after an accident, regardless of fault
- Loan/Lease Payoff – Helps cover the gap if your car is totaled and you owe more than it’s worth
- Medical Payments (MedPay) – Covers medical bills for you and passengers
- Uninsured Motorist Bodily Injury (UMBI) – Protects you if hit by an uninsured driver
- Roadside Assistance – Helps with towing, battery jumps, or flat tires
- Rental Reimbursement – Pays for a rental car while yours is in the shop
Looking for the cheapest Arizona auto insurance with the coverage you need? Get a free quote today!
Least Expensive Full Coverage Rates for Arizona Auto Insurance
Looking for affordable full coverage auto insurance in Arizona? Full coverage typically includes comprehensive and collision insurance, which helps pay for car repairs or replacement after an accident, theft, or natural disaster. While not required by law, full coverage can save you thousands in repair costs.
How Can You Get Cheap Full Coverage in Arizona?
Here’s how to find the lowest rates:
- Choose a higher deductible – A higher deductible lowers your monthly premium.
- Compare multiple insurance companies – Rates vary, so shopping around helps.
- Ask about discounts – Bundling policies, safe driver discounts, and more can reduce costs.
Need Partial Coverage Instead?
If full coverage is too expensive, you can opt for comprehensive-only insurance, which covers:
✅ Fire, wind, and hail damage
✅ Theft and vandalism
✅ Animal collisions
This option protects your car from non-accident damage at a lower price.
💰 Get the cheapest full coverage auto insurance in Arizona! Call now for a free quote.
Average Monthly Rates Full Coverage
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Progressive | $138 |
| Travelers | $140 |
| Allstate | $145 |
| Nationwide | $146 |
| National General | $151 |
How Much Does SR-22 Insurance Cost in Arizona? Is It Affordable?
If you need SR-22 insurance in Arizona, you’re likely dealing with a serious driving violation like a DUI, reckless driving, or driving without insurance. The cost of SR-22 insurance depends on your driving record, the insurance company, and the type of coverage you choose.
What Affects the Cost of SR-22 Insurance in Arizona?
Arizona-Specific Factors – Fines, license reinstatement fees, and other penalties add to overall costs.
Higher Premiums – Adding an SR-22 typically increases rates by 40% or more due to the high-risk status.
Insurance Provider Differences – Rates vary, so it’s best to compare multiple companies.
Coverage Type – Minimum liability is cheaper, but full coverage offers more protection.
Is Cheap SR-22 Insurance Available in Arizona?
Yes! You can find affordable SR-22 insurance by:
✅ Comparing quotes from multiple insurers
✅ Choosing minimum liability coverage if your vehicle qualifies
✅ Asking about discounts for safe driving courses or policy bundling
What’s Next?
An SR-22 is not insurance—it’s a certificate proving you have coverage. Arizona requires your insurer to file it with the state. If you need cheap SR-22 insurance in Arizona, contact us today for a fast, free quote!
Average Monthly Rates with an SR-22
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Mendota | $90 |
| National General | $91 |
| GEICO | $95 |
| Progressive | $99 |
| The General | $105 |
Arizona Insurance – What is SR-22 Insurance?
Do you need SR-22 insurance in Arizona? If you’ve had a DUI, reckless driving charge, or another serious violation, the DMV may require you to file an SR-22 to reinstate your license.
What is SR-22 Insurance?
SR-22 isn’t an insurance policy—it’s a form your insurer files with the Arizona DMV to prove you meet the state’s minimum liability coverage requirements.
How Much Does SR-22 Insurance Cost in Arizona?
Most insurance companies charge a one-time SR-22 filing fee of $0–$25 per term. However, not all insurers offer SR-22 coverage since it’s for high-risk drivers.
How Do I Get SR-22 Insurance in Arizona?
Getting SR-22 coverage is easy:
- Contact an insurance provider that offers SR-22 filings.
- Purchase a policy that meets Arizona’s minimum liability requirements (25/50/15).
- Your insurer will file the SR-22 with the DMV on your behalf.
Need affordable SR-22 insurance in Arizona? Get a free quote today—our agents compare rates to find you the cheapest option!
Arizona Insurance – Least Expensive Insurance Rates For Young Arizona Drivers
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 Company | Average Monthly Payment |
|---|---|
| Dairyland | $133 |
| USAA | $145 |
| Progressive | $148 |
| Bristol West | $154 |
| American Family | $155 |
Best Arizona Car Insurance Rates With a Home and Auto Bundle
Want to save money on car insurance in Arizona? Bundling your auto and homeowners insurance could be the answer. Many insurance companies offer discounts when you combine both policies, helping you lower your monthly premium.
How Much Can You Save With an Arizona Insurance Bundle?
Savings vary by provider, but bundling your auto and home insurance in Arizona can lower your rates by 10% to 25% on average. This discount applies to:
- Car insurance policies with full coverage or liability-only options
- Homeowners insurance, condo insurance, or renters insurance
- Multi-policy bundles, including motorcycle or RV insurance
Why Bundle Auto and Home Insurance in Arizona?
- Lower Insurance Rates – Enjoy significant savings compared to separate policies.
- Simplified Policy Management – One insurer, one payment, and fewer headaches.
- Added Discounts – Some providers offer loyalty or multi-policy discounts.
Get Your Arizona Insurance Bundle Today!
Looking for the best car insurance rates in Arizona? Call A Plus Insurance to compare quotes and see how much you can save by bundling your auto and home insurance. Get a free quote now!
Average Monthly Rates With a Bundle/Homeowners Discount
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Mendota | $134 |
| Bristol West | $135 |
| Dairyland | $142 |
| GAINSCO | $146 |
| Nationwide | $146 |
How Much Is Renters Insurance in Arizona?
Renters insurance in Arizona is affordable, typically costing between $10 and $15 per month. It protects your personal belongings from fire, theft, and other covered damages. Want to save even more? Bundling renters and auto insurance can lower your overall costs—sometimes adding renters coverage for as little as $5 extra per month after discounts.
Need a low-cost renters insurance quote in Arizona? Get a free quote today!
Cheapest Arizona Auto Insurance Rates with Bad or Poor Credit
Can you get cheap car insurance in Arizona with bad credit? Yes, but it takes some research. Many insurance companies charge higher rates for drivers with poor credit, and some may even deny coverage.
But don’t worry—affordable options exist. We compare rates from multiple top-rated insurers to find the best price for you. Even with bad credit, you may qualify for:
- Discounted policies for safe driving or bundling insurance
- State-minimum liability coverage to meet Arizona’s legal requirements
- Non-standard insurance options designed for high-risk drivers
Avoid overpaying just because of your credit score. Get a free Arizona auto insurance quote today and start saving!
Average Monthly Rates Bad or Poor Credit
| Car Insurance Company | Average Monthly Payment |
|---|---|
| GEICO | $154 |
| AssuranceAmerica | $158 |
| The General | $160 |
| Dairyland | $165 |
| Bristol West | $168 |
Affordable Arizona Auto Insurance Rates With DUIs, Accidents, and Violations
Got a DUI or traffic violation in Arizona? Your insurance rates will likely go up, but that doesn’t mean you can’t find an affordable policy.
Arizona has a zero-tolerance DUI policy, meaning you can be arrested even if your blood alcohol level is below 0.08%. If you’re convicted, insurance companies may label you as a high-risk driver, leading to higher premiums.
However, you still have options:
- SR-22 Insurance: Required for DUI-related suspensions, proving you meet Arizona’s minimum liability requirements.
- Discounts for Safe Driving: Some insurers offer lower rates after a certain period of clean driving.
- Compare Quotes: Rates vary, so shopping around helps you find the cheapest Arizona auto insurance.
Need affordable coverage after a DUI or accident? Get a free quote today and see your best options.
Average Monthly Rates With Violations on Your Record
| Car Insurance Company | Average Monthly Payment |
|---|---|
| National General | $155 |
| 21st Century | $156 |
| Bristol West | $157 |
| Mendota | $157 |
| Dairyland | $158 |
Average Car Insurance Cost in Arizona Cities
How much does car insurance cost in Arizona? It depends on where you live. Cities with more traffic and accidents tend to have higher rates. For example:
- Phoenix & Glendale: Higher premiums due to heavy traffic and accident rates.
- Tucson & Mesa: Moderate rates compared to larger metro areas.
- Smaller towns: Lower insurance costs due to fewer claims.
Other factors like your driving record, age, and coverage level also affect your rate. Want the cheapest car insurance in Arizona? Use our Car Insurance Calculator for Arizona or get a free quote today!
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,895 |
| 2 | Glendale | $1,769 |
| 3 | Tempe | $1,593 |
| 4 | Scottsdale | $1,585 |
| 5 | Mesa | $1,576 |
| 6 | Tucson | $1,520 |
Least Expensive Arizona Auto Insurance Rates for Male Drivers
Looking for the cheapest Arizona auto insurance for male drivers? On average, men pay about 8% more for car insurance than women. Why? Statistics show that male drivers, especially younger ones, are more likely to take risks on the road.
But that doesn’t mean you have to overpay. Here’s how to find affordable car insurance in Arizona:
- Compare Rates – Shopping around can save you hundreds per year.
- Look for Discounts – Many insurers offer savings for good driving records, bundling policies, or completing a defensive driving course.
- Choose Higher Deductibles – Increasing your deductible can lower your monthly premium.
Want the cheapest liability insurance in AZ? Get a free quote today and start saving!
Average Monthly Rates For Male Drivers
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Nationwide | $155 |
| 21st Century | $157 |
| Progressive | $159 |
| Bristol West | $160 |
| Dairyland | $165 |
Frequently Asked Questions about Arizona Insurance
What types of insurance are available in Arizona?
In Arizona, we offer a range of insurance types including auto, home, life, and business insurance, each tailored to meet the unique needs and regulations of the state.
How do Arizona’s climate and location affect insurance needs?
Arizona’s unique climate and geographical factors, like its desert terrain and monsoon season, can influence insurance needs, particularly for home and auto insurance. Coverage for natural events is a key consideration.
Where can I get personalized insurance advice for my situation in Arizona?
For personalized insurance advice tailored to your specific needs in Arizona, please call us at 1.888.445.2793. Our experts will guide you through selecting the most suitable insurance options.
Who has the cheapest car insurance in Arizona?
Finding the cheapest car insurance in Arizona can vary depending on various factors such as your driving history, vehicle type, and coverage needs. To get the most accurate and personalized quote, please contact our team at 1.888.445.2793. We’ll help you find the most affordable car insurance options available.
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.
Last Updated on by Marlon Moss