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Arizona Auto Insurance Quotes Online – Cheapest Rates

Get the cheapest Arizona car insurance by comparing multiple companies in seconds. We find the lowest AZ rates from top-rated carriers by shopping for the lowest prices whether you need full coverage or just liability on your vehicles. Instantly you can view the best offers and easily choose the policy that fits within your budget. We specialize in finding the best offers in the Maricopa County area. Additional property and casualty products are also offered.

Whether you live in Phoenix, Tucson, Mesa, Glendale, or any other city in the state, we shop multiple companies in your area, so you can easily and quickly find the most affordable auto insurance options for your cars, trucks, or any additional on or off-road vehicles. High-risk and preferred policies are both available along with same-day coverage and low down-payments, if needed. By bundling policies, you may further reduce the premium.

Our free quote section at the top of the page requires only your zip code to view your best options. View customized options for comprehensive or basic policies that reduce your premiums. Our money-saving discounts will also help reduce premiums. Your policy will always meet AZ state requirements and all applicable discounts will be applied. Your premium is further reduced since Arizona has the third-fewest drunk-driver convictions of any state.

 

How Are Rates Calculated?

 

Compare Arizona Auto Insurance Policies

Married? Your Car Insurance Rates Will Be Lower

 

Although the number of factors involved in the rating process varies from one carrier to another, typically, the following  criteria is used by most AZ companies to ultimately determine your premium.

Age -- Of course, younger drivers pay higher rates, until you reach age 75. However, once you reach 21, prices start to quickly reduce. At age 25, most carriers offer additional reductions.

MVR Report -- A clean driving record (or just one violation) can substantially reduce your premium. If you have more than three speeding tickets, you better slow down! Major violations (DUI, DWI, Hit And Run) are likely to raise premiums by more than 20%.

Vehicle Type And Model Year -- Newer and sporty vehicles cost more to cover. Older and less expensive vehicles cost less. Cars or trucks with safety devices help save you money. Electronic Stability Control (EBS), Tire pressure monitoring systems, back-up cameras and sensors, blind spot and lane departure warning, adaptive cruise control and park assist are desirable features, and several will qualify for discounts on your coverage.

Zip Code Or County -- Areas that experience more claims and accidents will have higher rates. Often, this includes urban areas as opposed to rural areas.

Marital Status -- At ages below 30, typically, if you are married, your premium will be lower. At older ages, it does not make a significant difference. There is no underwriting guideline that results in higher rates for persons that are divorced.

Credit History -- Although not all carriers consider credit, it's still a good idea to monitor your activities. You are entitled to check your credit score each year at no cost or obligation. A combined score above 700 could result in a slight discount.

Usage Of Vehicle -- Pleasure, driven to work, or used for or in your business. Distance traveled and how many days driven may be a factor with some carrier underwriters. Once you retire, always contact your carrier since you will qualify for a reduction.

Repair Costs -- Many high-performance vehicles have higher repair costs which can impact the cost of coverage. Also, numerous makes and models have body designs that absorb impacts better, which helps lower premiums.

 

Who Are The Best Auto Insurance Companies In Arizona?

 

Of course, that depends how you define "best?" Our definition considers many factors including safety ratings from Agencies such as A.M. Best Company and Moody's, the carrier's ability to pay claims on a timely basis, competitiveness and stability of their rates, volume of complaints they receive and how they are handled, and customer service.

It is important to understand that our "Top 20" list below could easily be expanded to 20 or 30. There are many reputable companies in Arizona that offer competitive prices. And just because a specific carrier is not on this list, does not mean they are not worth considering.  So...Here they are:

USAA

Esurance

American Family

Geico (Berkshire Hathaway)

Farmers

Allstate

State Farm

Liberty Mutual

AAA

Nationwide

Progressive

Amica

Auto Owners

Pekin

State Auto

21st Century

Encompass

United

American National

Twin City

 

Which AZ Cities Have The Least Expensive Rates?

 

Phoenix Auto Insurance Quotes And Rates

Flagstaff Has Very Affordable Car Insurance Prices

 

Once again, depending on your age and the types of vehicles you drive, results can widely vary. However, we have listed below another "Top 20" list of car-insurance-rate/friendly cities.

Douglas

Flagstaff

Kingman

Camp Verde

Prescott Valley

Lake Havasu City

Bullhead City

Sedona

Cottonwood

Payson

Safford

Wickenburg

Winsloma

Yuma

Nogales

Casa Grande

Oro Valley

Globe

Show Low

Sierra Vista

 

What Are The State Requirements?

 

"Financial  responsibility" is the legal and mandatory requirement which means that your minimum allowed policy liability limits are $15,000 per person, $30,000 per accident and $10,000 of additional property damage. These limits are among the lowest of all state requirements, so it is highly encouraged that you instead consider amounts of $25,000 per person, $50,000 per accident, and $25,000 of property damage.
 

NOTE: In lieu of a personal car policy, you may  also transfer a $40,000 certificate of deposit to the State Treasurer's Office. Although legal, selecting this option is very unusual. Also, medical payments and uninsured motorist protection are optional benefits that are typically offered by most carriers. The Arizona Department of Insurance provides additional details.

Since obtaining coverage is mandatory, any lapse in coverage could result in a suspension and/or revocation of your driver's license and registration. The reinstatement process will involve several forms to be filed, possibly including an SR-22 Bond, which is an extra cost and must be maintained for three years.

During a traffic-stop or inspection, you will likely be asked to show proof of compliance. If you are operating your vehicle without coverage, once again, a suspension could result. NOTE: If you recently moved to the state and are covered by a company that is not approved or licensed to write AZ policies, you also are not compliant.
 

Personal Umbrella Liability Policy
 

Typically, $100,000/$300,000/$100,000 are the minimum allowed limits if you consider purchasing a separate personal umbrella rider, designed to protect your assets from losing a lawsuit. The monthly cost of the rider is approximately $15-$25 for individuals and families. Business owners can obtain commercial versions, although prices are more expensive to cover employees who drive automobiles and perhaps operate machinery.
 

Although there is no "perfect candidate" for purchasing this type of contract, if you have a substantial 401k, rental properties, multiple CDs, sizable investment accounts, or other assets, an umbrella should be considered. You can protect yourself from a judgement that awards money for death, long-term disability, extended hospital confinement, and rehabilitation expenses that continue for years.
 

 

What About AZ High Risk Coverage?

 

If you have been convicted of multiple moving violations, including a DUI, and/or have been involved in several at-fault accidents, there's a very good chance you are considered a "high risk." Although several companies will offer a policy, it is possible that you will not meet the underwriting criteria of most other carriers, and may be forced to look elsewhere. However, cheap high risk auto insurance rates can be found.

After your policy has been active for 60 days, your policy can be terminated for many reasons, including misrepresentation, non-payment of bill, license suspension, vehicle is now used commercially, and major violations. A large number of minor violations (speeding, rolling through stop sign, driving through red light, etc...) can also result in a cancellation.

The State "Assigned Risk Plan"  (AAIP) was created to offer guaranteed coverage from the insurers that do business in the state. The minimum required liability limits are available, even if you have been declined by one or more companies. Plans are written by the companies that are licensed to do business in the state. Arizona participates in the Western Association Of Automobile Insurance Plans (WAAIP), which helps consumers find coverage for their vehicles after their policy has been cancelled.

 

Arizona Car Insurance Quotes Online

Affordable Phoenix Car Insurance Rates Are Available

 

What About Phoenix Car Insurance Rates?

 

Typically, the largest cities in any state have the highest premiums, and Arizona is not an exception. Although zip codes vary, prices in Phoenix are about 15%-30% higher than most other areas. The main reasons are the larger number of drivers without coverage, more thefts per square mile than most other areas, fairly expensive repair costs, and higher collection and claim costs for carriers that do business in Maricopa County and the surrounding area.

Like most larger metropolitan areas, prices inside the city limits tend to be where the highest premiums occur. However, as you slowly move outside the city, more competitive prices begin to appear. Examples include Cave Creek, Maricopa, Litchfield Park, Wickenburg, and Sun Cities.

NOTE: Other expensive cities in the state include Mesa,  Peoria, Scottsdale, El Mirage, Avondale, Tempe, Gilbert,  and Tolleson.

 

Additional Rules And Regulations From ADOT (Arizona Department Of Transportation)

 

De-Insurance -- If your vehicle is not available to be driven on the road, you can obtain a De-Insured Certificate, which involves completing a form. Typically, within two days, it is approved and you do not have to cover the vehicle.

Insurance Information Request --  Suppose you were hit by another driver and they received a citation. Unfortunately they could not prove that they had compliant insurance. For $3 and a policy accident report, you can obtain specific policy details by submitting the Information Request.

Ordering your MVR (Motor Vehicle Record) -- If you have "permissible use," you can purchase a copy online and print a copy. Three and five-year records are available at a cost of $3 and $5 respectively. A notarized signature is required unless completed in-person at the BMV.

Vanity License Plates -- Purchasing personalized plates online is the quickest and most efficient option. After they are approved (no profanity allowed!), the cost is $25 for an application fee and an additional $25 renewal fee. Depending on the type of plate, you may need either one or two (front and/or back). You must be the owner of the vehicle to buy vanity plates.

Vehicle Inspection -- There are three "Levels" of inspection. Level 1 is very basic and utilizes the serial number of the vehicle. There is no cost to the consumer when  completed at BMV location. Level 2 costs $20 and is conducted if additional information may be needed. Level 3 costs $50 and is used for vehicles that are considered "salvaged."

Disability Symbol -- If you are a disabled driver or passenger of a vehicle, you are entitled to park in a specially-marked spot. An application is required, and both businesses and individuals are eligible. Sorry campers...You can't get a sticker for your trailer.

Commercial License (CDL) -- There are three types of licenses available (Classic A, B, and C). A road test is required if you have never had a CDL license, or are upgrading classes. The maximum cost of the road test is $25 and you have three chances to pass the exam.

 

Recent News:

June 2015 --  Utilizing credit data for the purposes of underwriting auto insurance policies in Arizona is legal. However, AZ DOI spokesman Stephen Clutter stated that medical history must be excluded if it appears on the credit report and results in a premium increase. However, other credit factors may be used, if companies choose to consider the data.

 

November 2015 -- Getting your picture taken in Scottsdale may cost you more money than you thought. Photo enforcement programs are growing across the US, and Scottsdale is leading the way. If you are speeding, go through a red light, or don't come to a complete stop, you may be ticketed even if a police officer is not in the vicinity of the infraction.
 
Typically, your ticket is sent through the mail, or actually delivered personally. If you are not at home, the ticket is left at your residence, and you must respond or possibly face a license suspension. Scottsdale is the only Arizona city that utilizes the "alternative service" delivery method. Of course, if you receive a notice and you were not driving the vehicle, the police should be notified immediately.

 

December 2015 -- Are you a bad driver? Compared to most other states, you probably are! According to C-Comparison, Grand Canyon State drivers are the sixth-worst in the US. Although we disagree, careless driving and refusal to obey traffic codes and violations are quite prevalent. Neighbor Wyoming's ranking was even worse (second place).Crash statistics data from the National Highway Traffic Safety Administration (NHTSA) helped in the formulation of the report.

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