American family insurance arizona

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Cheap Arizona Car Insurance

Compare the best rates from 24 car insurance companies in Arizona.

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Here’s what you need to know when driving in Arizona

Across the Grand Canyon State, there are 131,356 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

What’s the cheapest car insurance in Arizona?

Cheap Insurance for Good Drivers in Arizona

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Arizona drivers without a recent at-fault accident save 37% on their car insurance, on average — substantially higher than the national average of 32%. In addition to earning a more affordable premium for staying incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap Insurance for Young Drivers in Arizona

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Arizona, the typical teen driver pays $5,011 per year, which aligns closely with the national average for all teen drivers, but is about four times the rate typical for all Arizona drivers.

Cheap Car Insurance for Bad Drivers in Arizona

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It’s especially important to avoid at-fault accidents, speeding tickets and DUI citations in Arizona, where insurance penalties for bad driving are larger than in other states. In fact, a single speeding ticket could raise your car insurance rates by 25% in the Grand Canyon State. If you have a good driving record, inquire about a good-driver discount, which can lead to savings of 25% on average in Arizona.

What are the Best Car Insurance Companies in Arizona?

Every auto insurance company emphasizes its low prices. But just like with any service, the most affordable car insurance isn’t always the best selection. Considering the financial stakes, it’s worthwhile to do the homework to zero in on an auto policy that protects your vehicle adequately after an incident. Exercise some patience and look for a great value, rather than settling for the most affordable car insurance available.

Compare local and national insurers’ financial strength and claims satisfaction levels to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being “among the best” and 2 being “the rest.” Financial strength — calculated by A.M. Best and varying from “Superior” to “Poor” — evaluates an insurance company’s financial stability and ability to meet its contractual and policy obligations.

What is the Best Auto Insurance Coverage in Arizona?

The minimum required insurance in Arizona is $15,000 Bodily Injury per person, $30,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

For the minimum required coverage in Arizona, be prepared to pay an average of $638 annually. This is cheaper than the U.S. average by 3%. If you elect more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, insuring against the costs of vehicular crashes, theft and vandalism, or weather incidents. However, better auto insurance comes at a cost: in Arizona, a comprehensive insurance policy with a $1,000 deductible costs $1,102, 73% more than liability-only coverage. For comprehensive coverage with a $500 deductible, expect to pay 93% more than you would for basic liability-only coverage.

Compare average premiums for basic, good, and great coverage levels below.

Car Insurance Laws

State minimum insurance requirements in Arizona

In Arizona, the state minimum coverage requirement is liability with limits of:

Bodily Injury $15,000 per person
Bodily Injury $30,000 per accident
Property Damage $10,000 per accident

Optional coverage in Arizona (varies by carrier):

Comprehensive
Collision
Loan/Lease Payoff
Medical and Funeral Services
Rental Car Reimbursement
Roadside Assistance
Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Arizona and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Arizona, the minimum is listed as 15/30/10 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Arizona but higher coverage amounts are available with most companies.

Car Insurance FAQs

Do you need to have car insurance in Arizona?

Yes. If your vehicle is going to be parked or driven on public roads, it has to be insured at Arizona’s minimum liability limits.

Can you register a car without insurance in Arizona?

No. In order to register your vehicle with Arizona’s DMV, you need to show proof of insurance.

What is the fine for driving without insurance in Arizona?

A driver’s first driving without insurance offense incurs a $500 fine and potential license suspension. You will also be required to apply for an SR-22 and show proof of insurance.

How much does car insurance cost in Arizona cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Yuma, Arizona, and the most expensive in Phoenix, Arizona.

Recent Arizona Car Insurance Questions and Answers

Is it discrimination not to allow someone to get car insurance w/out an address?

That is straight up discrimination by not allowing a homeless person get car insurance because of no address. What can .

Should I get full coverage from a less well-known insurer?

I recently wrecked my car, my fault, with only liability. I need to replace it and the collision place that .

Need an SR22 for a state I don’t reside in

Can you reside in one state and satisfy an SR-22 required in another without traveling there? SR-22 required in one .

Can police determine fault after an accident?

What is the amount of time it should take for the police department to determine whos at fault in an .

Driving Laws

Arizona Texting and Driving Laws

Ban on all cell phones for school bus drivers

Arizona DUI Laws

Arizona maintains a zero-tolerance policy for DUI, so penalties are severe in an attempt to discourage drivers from driving under the influence.

For first-time DUI offenders in Arizona:

Will be jailed for 24 hours to 10 days
Must pay at least $1,250 in fines, plus jail costs and a monitoring fee
Must undergo screening and counseling
Will receive a 90-day license suspension or one-year revocation
Must install and use an IID on every vehicle driven for a period of 12 months
May have to perform community service

Speeding Laws in Arizona

Arizona requires drivers to maintain “reasonable and prudent” speeds for the conditions in which they’re driving. This stipulation applies to both minimum and maximum speed limits.

In addition, you are speeding in Arizona if your speeds exceed:

15 miles per hour when approaching a school crossing
25 miles per hour in a business or residential district
65 miles per hour in other locations
Any posted speed limit

What Constitutes Reckless Driving in Arizona?

Reckless driving in Arizona is not strictly defined. Drivers may be considered to be driving recklessly if they are driving with little concern for the safety of others.

Aggressive driving in Arizona is a more severe offense. Aggressive driving occurs when a driver commits two or more of the following violations:

Failure to obey traffic control devices
Overtaking or passing another vehicle on the right by leaving the main traveled portion of the road or driving off the pavement
Unsafe lane changing
Following a vehicle too closely
Failing to yield the right-of-way

Distracted Driving in Arizona

There is no statewide distracted driving law in Arizona. Instead, legislation has been left to individual municipalities — at least for the time being. When traveling through Arizona, pay attention to the distracted driving laws of the areas through which you will be driving.

In contrast, however, Arizona does not permit teenage drivers to use a wireless device, except in an emergency. Drivers with a class G graduated license may not use wireless devices while driving for a period of six months of receiving their license, except for GPS or emergency use.

Racing in Arizona

Racing in Arizona is defined as the use of one or more vehicles in an attempt to outgain or outdistance another vehicle or prevent another vehicle from passing.

When Are You At-Fault in an Accident in Arizona?

Arizona is a fault-based state, so the responsibility for an accident may be assigned to a specific driver.

You may be responsible for an at-fault accident in Arizona if you:

Failed to exercise a duty of reasonable care
Failed to exercise reasonable care
Injured someone else or damaged another’s property

Arizona Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Arizona area, while also getting an insider view of the Grand Canyon State.

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply

1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

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SOURCE: http://www.thezebra.com/arizona-car-insurance/

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