Who Has the Cheapest Auto Insurance Quotes in Arizona? - ValuePenguin

the best cheap car insurance companies in arizona

cheapest auto insurance quotes in arizona: state farm

state farm has the cheapest minimum liability coverage in arizona with rates 28% lower than the state average.

Active military members, veterans and their families can take advantage of even cheaper usaa rates. at $523 per year, the us median annual rate. uu. it’s $130 less than state farm.

Reading: Who has the cheapest car insurance in arizona

cheapest full coverage auto insurance: state farm

state farm also offers the cheapest quotes for full coverage at $1,431 a year, or $119 a month, 36% cheaper than the state average.

full coverage auto insurance in arizona costs $2,219 per year on average. Comprehensive coverage quotes include comprehensive and collision coverage, plus liability coverage. Comprehensive coverage pays for damage caused by incidents beyond your control, such as hail or theft, while collision coverage pays for damage to your own car if you hit another car.

cheap car insurance quotes for drivers with previous incidents

Drivers who have a speeding ticket or at-fault crash on their record will pay more than those with a clean driving record. state farm and progressive have the cheapest rates for drivers with poor driving records.

cheapest car insurance after a speeding ticket: state farm

state farm has the best car insurance rates for arizona drivers who have a speeding ticket on their record. their average rate is $1,566 per year for full coverage insurance, or $130 per month, $1,329 below average. In Arizona, a single speeding ticket can increase your insurance rates by up to 31%.

cheaper car insurance after an accident: state farm

state farm offers the best rates for drivers who have an at-fault accident on their record. The average cost of auto insurance after an at-fault accident is $3,274 a year in Arizona, but State Farm offers drivers in the state full coverage insurance for 48% less: $1,700 at year.

Car insurance premiums increase after an at-fault accident because drivers with a recent accident pose a greater risk to insurers than drivers with clean records. average rates increase 49% after an at-fault accident in arizona. this translates to an additional $1,070 per year in premiums compared to the rate you would have with a clean driving record.

cheaper car insurance quotes after a dui: progressive

progressive has the best rates for arizona drivers with a dui on their record. their average rate is 43% more affordable than the state average at $2,037 a year.

car insurance for drivers in arizona with duis is 62% more expensive than a full coverage policy for a driver with no previous incidents. Driving under the influence (DUI) drives up average car insurance rates more than any other crime.

the cheapest car insurance for drivers with bad credit: progressive

progressive offers the best rates for arizona drivers with low credit scores. the state average is $4,491 a year, but the average progressive rate is 43% cheaper at $2,547 a year.

Your credit score may have nothing to do with your ability to drive safely, but it has a big impact on how much you’ll pay for insurance. Arizonans with poor credit pay 104% more for insurance than drivers with average credit.

cheapest car insurance for married drivers: state farm

Statistically, married drivers cause fewer accidents than single drivers, resulting in lower rates from many insurance companies. In Arizona, average annual rates for comprehensive coverage are $213 cheaper per year for married drivers than for single drivers. state farm offers married drivers the best rate at $1431 per year.

Married drivers can save even more by adding multiple drivers and multiple cars to the same auto insurance policy, savings not reflected in these rates.

cheapest car insurance quotes for young drivers: geico

geico has the most affordable insurance for 18 year olds at $2,196 per year for minimum coverage and $4,151 for full coverage.

Young drivers pay much more for car insurance than older drivers, especially if they are not insured through their parents’ policy. An 18-year-old driver can expect to pay 200% more for car insurance than a 30-year-old driver.

cheapest car insurance for young drivers after a ticket: state farm

state farm offers minimum coverage insurance quotes that are 11% cheaper than the average cost, at $2,495 per year. Teen drivers with a speeding ticket will see their auto insurance quotes increase by $583 on average compared to those without a violation on their record.

cheapest auto insurance for teen drivers after an accident: state farm

For younger drivers who have recently been involved in an at-fault accident, State Farm offers the best minimum coverage quotes in Arizona. Unfortunately, being responsible for a car accident can make your car insurance much more expensive, which makes it even more important to find the lowest rate available to you.

the best auto insurance companies in arizona

Choosing a reliable insurer is just as important as finding the lowest quotes. Among arizona insurers, usaa has the best combined ratings, with the j.d. power customer service score, top financial strength rating, and an excellent rating from our editors.

drivers who are not eligible for usaa should consider state farm and aaa. both insurers received the highest rating for financial strength along with exemplary customer service scores.

average cost of auto insurance in arizona by city

It’s not just how you drive that affects your auto insurance rates, it’s also where you live. Full coverage auto insurance quotes in Arizona fluctuate by more than $1,000 from city to city.

minimum car insurance requirements in arizona

minimum coverage insurance in arizona includes bodily injury liability coverage, which pays for the other driver’s injuries, and property damage liability coverage, which pays for the other driver’s repairs.

drivers in arizona must have an auto insurance policy that meets or exceeds the following limits:

summary of the cheapest auto insurance in arizona

frequently asked questions

methodology

We collected thousands of Arizona zip code quotes for eight of the largest insurers using a sample driver with the following profile:

Full coverage auto insurance quotes include the following limits:

For our minimum coverage policy, we referenced the minimum limits required in Arizona, cited above.

Rate data for this study were collected from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes will be different.