Skip to main content

Cheap Car Insurance in Arizona

Everything You Need to Know About Auto Insurance in Arizona

Arizona, also known as the Grand Canyon State, offers a blend of natural wonders and cultural treasures. With its landscapes ranging from vast deserts to mountain ranges, the state attracts outdoor enthusiasts and adventure seekers. Visitors can explore the iconic Grand Canyon, hike through scenic trails in Sedona, or experience the arts scene in Tucson.

In addition to its natural beauty, Arizona boasts a rich cultural heritage. The state is home to numerous Native American tribes, and visitors can learn about their history and traditions through museums, cultural centers, and archaeological sites such as Montezuma Castle and Tuzigoot National Monument. Whether it’s experiencing the unique blend of Native American and Mexican cultures in Phoenix or immersing oneself in the artistic atmosphere of Scottsdale, Arizona has something for everyone.

With an abundance of sights and activities to explore, the key to fully embracing the Arizona experience is having top-notch car insurance that guarantees legal and stress-free driving. Whether you’re a newcomer to this state or a long-term resident, our dedicated team at Acceptance is committed to helping you discover the perfect coverage at the most competitive rates. Enjoy the freedom of cruising Arizona’s open roads with confidence and without straining your budget!

How Much Does Car Insurance in Arizona Cost?

Unfortunately, drivers in the state pay more than drivers across the nation for car insurance on average. For a full coverage policy, the annual average premium in Arizona is $2,556, surpassing the national average of $2,014. Even for a minimum coverage policy, Arizona drivers still pay an average of $829 per year, higher than the national average of $622.

Your car insurance cost in Arizona depends on your driving history, age, and other factors. The cheapest rates are offered to responsible drivers with clean records. Take advantage of available discounts to lower your premium and contact Acceptance for the protection you need without breaking the bank.

Ready to Get a Quick Quote?

What Is the Average Premium for Cheap Full Coverage Car Insurance in AZ?

The average monthly cost for full coverage car insurance in Arizona is $159. Remember, your quote may vary based on factors such as your driving history, past claims, and location. Rates tend to be higher for drivers with a less-than-perfect record and lower for those with a clean history and eligible discounts.

Full coverage typically includes liability, collision, and comprehensive insurance. If your vehicle is financed, this coverage is typically required. To get an accurate quote, provide detailed information to an Acceptance Insurance agent.

How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in AZ?

The cheapest minimum liability insurance in Arizona is around $64 per month. However, these limits may not be enough to protect you adequately on the road. If you cause an accident, your insurance will pay for the other party’s injuries and damages up to your policy limits. With rising repair and medical costs, you may be left paying some out of pocket. Basic liability also will not cover your own injuries and damages.

It’s important to consider higher coverage limits and uninsured motorist insurance. Arizona has a significant number of uninsured drivers, and having this coverage can protect you in case you’re in an accident with an uninsured driver. Spending a bit more each month can save you money and provide peace of mind in the long run.

How do Insurance Rates Compare Across Arizona’s Major Cities?

Insurance rates in Arizona can differ depending on the city you live in. Some cities are considered riskier due to a higher number of incidents and personal injury lawsuits. This means that your rates will reflect the level of risk associated with your location. Here are the average monthly rates for the top cities in the state.

Scroll for more
City Full Coverage I Liability  Coverage
Scottsdale $148 $48
Phoenix $152 $50
Tucson $140 $43
Flagstaff $118 $34
Sedona $119 $33
Chandler $143 $47
Mesa $156 $50

*Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

What are Some Car Insurance Discounts in Arizona?

Saving money on car insurance is always a good idea! Ask your independent agent about any available discounts that you qualify for at least once or twice a year.
Here are some popular car insurance discounts to consider:

  • Bundling: Combining auto, renters, homeowners insurance, and other policies under one insurer is a particularly effective choice, leading to significant cost savings.
  • Good driver: If you have a clean driving record, you may qualify for the best rates.
  • Good student: Full-time students with a good GPA may be eligible for this discount, which can help offset high premiums for young drivers.
  • Military or first responder: Current and former military personnel, first responders, and nurses often receive discounts as a gesture of gratitude.
  • Defensive driving course: Taking an online or in-person course to learn safe driving habits may earn you a discount.

Remember to check back with your agent if your circumstances change, such as retiring or starting to work from home. They can help you determine if you qualify for additional discounts.

Arizona Car Insurance Laws

In Arizona, it’s important to comply with car insurance laws. Driving without insurance is against the law, so having at least the minimum required liability coverage is necessary. In cases where both parties share fault in an accident, Arizona follows a comparative at-fault rule, assigning different percentages of responsibility.

It’s worth noting that driving under the influence or without insurance can result in serious penalties, including fines and license suspensions. Stay informed and insured to protect yourself and others on the road!

What are Mandatory Vehicle Insurance Requirements in Arizona?

In Arizona, car insurance is mandatory, with minimum coverage requirements set at 25/50/15. This means:

  • $25,000 for bodily injury/death for one person
  • $50,000 for bodily injury/death for two or more people
  • $15,000 for property damage

Though these low minimums may be affordable, they often do not provide sufficient coverage for typical car accidents in Arizona. Medical bills for bodily injury can easily exceed $25,000, and there is no protection against uninsured drivers or unexpected incidents such as fallen trees or road debris. To ensure better protection, many drivers choose to add collision and comprehensive coverage, as the benefits often outweigh the cost.

Auto Insurance FAQs

Get answers to common insurance questions

What Happens if You are Caught Driving Without Insurance in AZ?

Driving without insurance in Arizona carries increasingly severe penalties for repeat offenses. These penalties include fines, license and registration suspensions, and the requirement of SR-22 insurance to regain driving privileges and car insurance coverage. If caught repeatedly driving without insurance, the fines and suspension periods become more severe.

  • First offense: A fine of $500, a three-month driver’s license and registration suspension, and a two-year requirement of an SR-22 certificate of financial responsibility.
  • Second offense: A fine of $750, a six-month driver’s license and registration suspension, and a two-year requirement of an SR-22 certificate of financial responsibility.
  • Third offense: A fine of $1,000, a one-year driver’s license and registration suspension, and a two-year requirement of an SR-22 certificate of financial responsibility.

What Factors Does Arizona Law Allow in Determining Your Insurance Premiums?

Car insurance premiums in Arizona can be determined by various factors, including:

  • Location
  • Marital status
  • Homeownership
  • Educational institution affiliation
  • Credit score
  • Employment affiliation

To ensure you are getting the most accurate premium quote, it is important to provide your insurance agent with all the relevant information regarding these factors. This will help them calculate the most appropriate rate for your coverage.

Additionally, it is advisable to shop around and compare car insurance quotes from different providers. This allows you to get a better understanding of the options available to you and choose the policy that offers the best value for your money.

Am I Required to Report an Accident in Arizona to Authorities?

In Arizona, it is not mandatory to report a motor vehicle accident, but it is strongly recommended that you call 911 once you are in a safe location. The responding law enforcement agency will file a report if certain criteria are met:

  • In the event of any injuries or fatalities.
  • If there was damage exceeding $1,000.
  • If anyone involved received a citation.

It is important that you remain at the scene of the accident until law enforcement arrives. Leaving can have serious consequences, including felony charges and the suspension of your license.

Looking for a Local Office? Find an Office Near You

What is Driving in Arizona Like?

Driving in Arizona can be a unique experience due to varying traffic conditions and weather patterns throughout the state. Phoenix and Tucson are the cities with the most traffic, particularly during weekday rush hours. Additionally, Arizona’s weather can bring challenges on the road, including monsoons with heavy downpours, haboobs (dust storms), and extreme heat in the summer months. That’s why it is crucial to have appropriate car insurance coverage to protect yourself and your vehicle in case of any unexpected events.

How Many Car Accidents Happen in Arizona?

In 2021, there were 121,345 car crashes in Arizona, resulting in 1,063 fatalities. Sadly, 4,506 of these crashes were alcohol-related, including 181 fatal crashes. It’s crucial to stay focused and sober while driving to keep yourself and others safe on the road.

How Many Drivers are Uninsured/Underinsured Motorists in AZ?

Arizona ranks 24th in the United States for having a high percentage of uninsured drivers, standing at 11.8% according to the Insurance Information Institute. This means that nearly 1 in 10 drivers on Arizona roads do not have auto insurance coverage.

What makes this situation even more concerning is that if you are involved in an accident with an uninsured driver in Arizona, your minimum liability car insurance will not provide coverage for you. This means that you may be left to deal with the financial consequences of the accident on your own.

Having a significant number of uninsured drivers on the road increases the risk for everyone. It’s essential to protect yourself by ensuring that you have proper auto insurance coverage. This way, you can have peace of mind knowing that you are financially protected in the event of an accident, even if the other driver doesn’t have insurance. Don’t leave your safety and financial well-being to chance.

Car Insurance Glossary

Lean more about terms and definitions that are commonly used in insurance.

FAQs About Arizona Car Insurance

I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in Arizona?

If you’re a low-income driver in Arizona, there are ways to find affordable car insurance. Here are some tips to get cheap car insurance:

  • Drive a safe used car that is known for its affordability in repairs.
  • Ask about discounts for being a good driver or having anti-theft devices installed.
  • Consider increasing your deductible to lower your monthly payments.
  • Skip optional coverages that you may not need.
  • Carpool to reduce your daily mileage, which can help lower your insurance premiums.
  • Pay your premium upfront to potentially get a discount.

By following these tips, you can find ways to lower your insurance premium and make it more affordable.

Can an Undocumented Worker Get Auto Coverage in AZ?

Certainly! Undocumented workers can get car insurance or a driver’s license in Arizona, but there are requirements to meet. To be eligible, they must have a valid work permit and protection from deportation. Arizona state law states that individuals can obtain a state-issued driver’s license if they can prove their permission to be in the country. It’s important to fulfill these criteria to comply with regulations and have the necessary documentation.

Is It Possible to Get Car Insurance in Arizona with a DUI on my Record?

Sure! Here are some recommendations to consider when obtaining DUI insurance in Arizona on your record:

  1. Obtain a restricted license: To drive legally, you’ll need to apply for a restricted license, which allows you to commute to essential places like work, school, or medical appointments.
  2. Obtain an SR-22 certificate: This certificate of financial responsibility is necessary to prove that you have valid car insurance coverage. Your insurance agent will assist you in obtaining and filing the SR-22 with the DMV.
  3. Seek out insurance providers: It’s important to note that not all insurance companies offer SR-22 insurance, as it is considered high-risk coverage. Shop around and find providers that specialize in DUI insurance.
  4. Higher insurance rates: Understand that DUI insurance typically comes with higher premiums compared to standard plans. While it may be costly, it is a better option than losing your license.
  5. Freedom and flexibility: Having an SR-22 will allow you to drive to work, school, the hospital, and meet your basic needs without depending on others for transportation.
  6. Manageability: Work closely with your insurance agent to explore different payment options that can make the costs more manageable.

By keeping these recommendations in mind, you can navigate the process of obtaining car insurance with a DUI on your record in Arizona.

Get Affordable Car Insurance in Arizona Today!

Looking for affordable car insurance in Arizona? Look no further than Acceptance! Our knowledgeable agents are local and ready to help you. Contact us today and drive confidently. Call 877-405-7102, visit us online for a quick quote, or stop by one of our conveniently located offices.

Get Started