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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!
- Arizona Insurance: Finding the Most Affordable Rates
- How Tickets/Violations will impact Insurance rates in Arizona
- Most Affordable Liability Only Arizona Auto Insurance
- Coverage Options for Arizona Drivers
- Least Expensive Full Coverage Rates for Arizona Auto Insurance
- How much does SR-22 Insurance cost in Arizona? And is it affordable?
- Least Expensive Insurance Rates For Young Arizona Drivers
- Best Arizona Car Rates With a Bundle/Homeowners Discount
- Cheapest Arizona Auto Insurance Rates
- With Bad or Poor Credit
- Affordable Arizona Auto Insurance Rates
- With DUIs, Accidents, and Violations
- Average cost for Car Insurance in Arizona cities
- Least Expensive Arizona Auto Insurance Rates for Male Drivers
- Frequently Asked Questions About Auto Insurance in Arizona
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.
| 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 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 Company | Average 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 Company | Average Monthly Payment |
|---|---|
| Progressive | $138 |
| Travelers | $140 |
| Allstate | $145 |
| Nationwide | $146 |
| National General | $151 |
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 Company | Average 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 Company | Average 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 Company | Average Monthly Payment |
|---|---|
| Mendota | $134 |
| Bristol West | $135 |
| Dairyland | $142 |
| GAINSCO | $146 |
| Nationwide | $146 |
Homeowners Insurance can be complicated…but we can help simplify it...find out more!
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 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
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 Company | Average 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 | 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
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 Company | Average Monthly Payment |
|---|---|
| Nationwide | $155 |
| 21st Century | $157 |
| Progressive | $159 |
| Bristol West | $160 |
| Dairyland | $165 |
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.
Last Updated on June 21, 2022 by Marlon Moss