cheap AZ minimum car insurance
Welcome to our guide on finding affordable car insurance in Arizona. As an independent insurance agent with Blake Insurance Group, we understand that finding cheap car insurance can be challenging. With Arizona’s minimum car insurance requirements and various factors affecting insurance rates, knowing where to look for the best deals is crucial. In this article, we will explore Arizona’s cheapest car insurance companies, savings tips, discounts, and more to help you make an informed decision. Let’s get started!
Arizona minimum car insurance requirements
Arizona requires all drivers to carry a minimum amount of car insurance to ensure financial responsibility in the event of an accident. The minimum coverage required in Arizona includes two liability insurance coverages: bodily injury and property damage. The minimum coverage limits for bodily injury are $25,000 per injured person and $50,000 for two or more injured persons, while the minimum coverage limit for property damage is $15,000 for damaged property.
This coverage is mandatory for all motor vehicles operated on roadways, including golf carts, motorcycles, and mopeds. Drivers must keep proof of their insurance, either with a physical or electronic copy of an insurance ID card, with them at all times while driving. Failure to comply with these requirements can result in penalties, including fines and suspension of driving privileges.
Cheapest car insurance companies in Arizona for minimum coverage
Arizona’s cheapest car insurance companies for minimum coverage are State Farm, Travelers, Geico, and Progressive. Progressive offers Arizona’s cheapest minimum-liability auto insurance, with an average annual rate of $660 or $55 per month. This rate is 39% less than Arizona’s average price of minimum-liability car insurance, which is $1,070 a year or $90 a month. Travelers, Geico, and Progressive also offer affordable rates for minimum coverage.
These companies provide various discounts that can help drivers save money on their car insurance premiums. For example, drivers who haven’t made claims in a certain number of years, usually three years, may qualify for a reduced car insurance premium. Seniors aged 55 and older may get a reduction in auto insurance rates by taking an online Arizona Mature Driver Course. Additionally, drivers with good driving records, good credit scores, and low mileage may be eligible for discounts.
It’s important to note that minimum coverage may not provide enough protection in the event of an accident, especially in Arizona, where the cost of medical bills and car repairs can be high. Therefore, drivers should consider purchasing higher coverage limits to protect themselves and their assets.
How Much is minimum car insurance In Arizona
Arizona’s minimum car insurance requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. The average cost of minimum coverage in Arizona is $744 per year, but it can vary depending on the insurance company. For example, State Farm offers Arizona’s cheapest minimum-liability auto insurance, with an average annual rate of $660, which is 39% less than the state’s average price of minimum-liability car insurance. Travelers, Geico, and Progressive also offer affordable rates for minimum coverage.
Drivers in Arizona can save money on their car insurance premiums by taking advantage of various discounts available from insurance companies. For instance, State Farm offers a good student discount, a multi-vehicle discount, and a defensive driving discount. Geico provides a good driver discount, a multi-policy discount, and a military discount. Progressive offers a multi-vehicle discount, a safe driver discount, and a homeowner discount.
Importance of comparing car insurance quotes in Arizona
Comparing car insurance quotes in Arizona using an online comparison tool, such as the one provided by Blake Insurance Group, is crucial for several reasons:
**Access to Multiple Quotes**: Online comparison tools aggregate quotes from various insurers, offering a broad spectrum of options. This allows Arizona drivers to quickly view and compare different insurance rates and coverage options side by side without visiting each insurer’s website or contacting them individually.
**Cost Savings**: By comparing quotes, drivers can identify the most affordable car insurance options that meet Arizona’s minimum requirements. This can lead to significant savings on premiums. For instance, the average cost of car insurance in Arizona is $1,284 per year, but rates vary widely between insurers. An online tool can help drivers find the best deals and save hundreds of dollars annually.
**Time Efficiency**: Obtaining quotes online is much faster than traditional calling or visiting insurance agents. Online tools streamline the process, enabling drivers to receive multiple quotes in minutes. This efficiency saves valuable time and simplifies the decision-making process.
**Informed Decision Making**: Online comparison tools often provide detailed information about each insurance option, including coverage limits, deductibles, and additional benefits. This transparency helps drivers make well-informed decisions based on their needs and budget.
**Discover Discounts**: Many online tools highlight discounts for which drivers may be eligible, such as safe driver discounts, multi-policy discounts, or discounts for completing a defensive driving course. Arizona drivers can take advantage of these discounts by comparing quotes to further reduce their insurance costs.
**Convenience**: The ability to compare quotes online anytime and from anywhere offers unparalleled convenience. Drivers can research and choose the best insurance policy without the pressure of sales pitches and at a time that suits them best.
**Customization**: Online tools allow drivers to adjust coverage options and see how changes affect the price. This customization helps drivers tailor their insurance policy to their needs, ensuring they’re neither underinsured nor overpaying for unnecessary coverage.
| Age | Average Annual Premium |
|---|---|
| 16 | $5,925 |
| 17 | $5,248 |
| 18 | $8,163 |
| 19 | $4,341 |
| 20 | $5,763 |
| 25 | $3,174 |
| 30 | $2,739 |
| 40 | $2,528 |
| 50 | $2,349 |
| 60 | $2,254 |
| 70 | $2,499 |
As shown in the table, car insurance rates in Arizona are significantly higher for younger drivers, especially those under 20. The average annual premium for a 16-year-old driver is $5,925, nearly double the rate for a 25-year-old ($3,174) and more than double the rate for a 40-year-old ($2,528).
The rates gradually decrease as drivers age, with the lowest average annual premium for 60-year-old drivers at $2,284. However, rates start to increase again for drivers in their 70s, reaching an average of $2,489 per year.
These trends align with the general understanding that insurance companies consider younger, less experienced drivers at higher risk, leading to higher premiums. Their rates typically decrease as drivers gain more experience and demonstrate a safer driving record. The slight increase in rates for senior drivers is often attributed to factors like declining health and reflexes, which can also increase the risk of accidents.
Cheapest car insurance for young drivers in Arizona
The cheapest car insurance for young drivers in Arizona varies based on specific criteria such as age, driving history, and the level of coverage sought. However, based on the provided sources, Travelers consistently offers competitive rates for young drivers in different scenarios:
– **For insuring a teen driver**: Travelers is highlighted as offering the cheapest car insurance, with average annual premiums for minimum coverage at $1,095 and full coverage at $3,261.
– **For teens with a ticket**: Travelers again offers the lowest price for minimum coverage and tops the list for full coverage.
– **For teens with an at-fault accident**: Travelers are recommended to offer favorable car insurance rates, with average annual premiums for minimum coverage at $1,581 and full coverage at $5,205.
– **For young drivers with a DUI**: Travelers and Plymouth Rock are mentioned for giving the cheapest average rate for young drivers with a DUI, based on a 21-year-old driver’s policy.
These findings suggest that Travelers generally offers some of the most affordable car insurance rates for young drivers in Arizona across various risk profiles. It’s important for young drivers or their parents to compare quotes from multiple insurers, including Travelers, to find the best rates tailored to their specific circumstances and coverage needs.
Cheapest car insurance for senior drivers in Arizona
Finding the cheapest car insurance is crucial for senior drivers in Arizona due to the increasing rates that come with age. The average car insurance cost for a 60-year-old driver in Arizona is $1,341 per year for a full coverage policy. However, rates can vary widely between insurers, with Geico offering the cheapest car insurance quotes for senior drivers in Arizona for a full coverage policy.
Geico consistently provides the cheapest rates for senior drivers in Arizona across various age groups, including ages 60, 65, 70, and 75. The average annual premium for full coverage with Geico for a 75-year-old driver in Arizona is $92, making it the most affordable option among major insurers.
To find the best car insurance rates for senior drivers in Arizona, it’s essential to compare quotes from multiple insurers, considering factors such as age, driving record, and coverage needs. Additionally, taking advantage of available discounts, such as those for mature driver courses or bundling policies, can help lower insurance costs for seniors.
Least expensive vehicles to insure in Arizona
The least expensive vehicles to insure in Arizona are typically small SUVs or crossover SUVs built on a car platform rather than a truck chassis. These vehicles tend to be lighter and cheaper than truck-like SUVs, making them less likely to incur high repair costs in the event of a crash. Insurance premiums for these vehicles are generally lower due to their smaller size and lower cost of repairs.
According to various sources, the Subaru Outback is consistently one of Arizona’s cheapest cars to insure. The average insurance costs for the Subaru Outback are just 4.8% of the vehicle’s total cost. Other vehicles frequently appearing on lists of cars with the lowest auto insurance rates include the Honda CR-V, Honda HR-V, and Honda Pilot. These vehicles are also built on a car platform and are known for their reliability and safety features, which can contribute to lower insurance premiums.
It’s worth noting that insurance rates can vary widely based on various factors, including the driver’s age, driving record, and location. However, choosing a vehicle known for its low insurance costs can help keep premiums down. Consider the purchase price, fuel efficiency, and potential insurance costs when shopping for a new car. By choosing a vehicle known for its low insurance costs, drivers can save money over the car’s life.
Cheapest car insurance for drivers with prior incidents in Arizona
The cheapest car insurance for drivers with prior incidents in Arizona is often from Travelers, which offers average premiums of $576, making it the cheapest option for drivers with an at-fault accident. However, the cost of car insurance for drivers with prior incidents can vary widely based on factors such as the type of incident, the number of incidents, and the driver’s age and driving history.
For example, drivers with a DUI conviction may face significantly higher insurance premiums than drivers with a clean driving record. In Arizona, the average annual premium for a driver with a DUI conviction is $1,629, which is more than double the state average of $744. However, some insurers, such as Geico and USAA, may offer more affordable rates for drivers with a DUI conviction.
Similarly, drivers with a history of accidents or traffic violations may also face higher insurance premiums. Arizona’s average annual premium for a driver with an at-fault accident is $1,258, which is 70% higher than the state average. However, some insurers, such as Travelers and Progressive, may offer more affordable rates for drivers with an at-fault accident.
Cheapest car insurance for good drivers in Arizona
Among the companies analyzed Root and General Casualty offer the cheapest car insurance for good drivers in Arizona. Root provides the lowest average annual car insurance cost for good drivers, at $879. This makes Root and General Casualty the most affordable option for Arizona drivers with a clean driving record seeking cost-effective insurance coverage.
The cheapest car insurance options for drivers in Arizona who have caused an accident with injury are:
Root: Root offers the most competitive rates, with an average annual cost of $1,104 for drivers who have caused an accident with injury.
General Casualty: General Casualty is another affordable option for this high-risk driver profile, with an average annual premium of $1,625.
Nationwide: Nationwide is the third cheapest, with an average annual cost of $1,629 for drivers who have caused an accident with injury.
USAA: USAA, which is only available to military members and their families, has an average annual premium of $1,656 for this high-risk group.
It’s important to note that causing an accident with injury can significantly increase car insurance rates in Arizona, with the state average being $2,534 annually for this driver profile. However, by shopping around and comparing quotes from multiple insurers, drivers who have caused an accident with injury can still find relatively affordable coverage options, such as those provided by Root, General Casualty, Nationwide, and USAA.
Role of independent insurance agents in Arizona
Independent insurance agents, such as Blake Insurance Group in Arizona, play a crucial role in the insurance industry by offering individuals and businesses personalized and comprehensive insurance solutions. Their significance can be understood through several key functions and benefits they provide:
**Wide Range of Options**: Unlike captive agents limited to products from a single insurance company, independent agents work with multiple insurance carriers. This allows them to offer a broader selection of policies and coverage options, ensuring clients can find insurance products that best fit their needs and budget.
**Personalized Service**: Independent agents take the time to understand their client’s unique situations and insurance needs. They provide tailored advice, helping clients navigate various coverage options and make informed decisions. This personalized approach ensures that clients receive coverage that meets their specific requirements.
**Expertise and Knowledge**: Independent insurance agents deeply understand the insurance market and the products available. They can explain complex insurance terms in simple language, helping clients understand what they purchase. Their expertise enables them to recommend the right price, coverage, and service blend.
**Advocacy and Support**: Independent agents advocate for their clients, especially during the claims process. They assist with filing claims, ensuring they are handled and resolved promptly. This support can be invaluable in times of need, providing clients peace of mind.
**Ongoing Relationship and Review**: Insurance needs can change over time due to various life events. Independent agents regularly review their clients’ coverage to suggest necessary adjustments, ensuring they remain adequately protected. This ongoing relationship allows for continuous optimization of insurance coverage.
**Local Community Involvement**: Many independent agents, including those at Blake Insurance Group, are deeply involved in their local communities. They understand local risks and can provide relevant advice to the area. Their community involvement also means they are accessible and can offer prompt, in-person assistance when needed.
**Cost Savings**: By comparing quotes from multiple insurers, independent agents can find the most competitive rates for their clients. They also know about discounts and deals that clients may be eligible for, helping save money without compromising coverage.
**One-Stop Shopping**: Independent agents can meet all of a client’s insurance needs in one place, from auto and home insurance to life and business policies. This convenience simplifies the insurance buying process, saving clients time and effort.
Here is a comparison table of the top 10 auto insurance companies in Arizona
| Company | Average Annual Premium | Coverage Options | Customer Satisfaction Rating (J.D. Power) | Notable Features |
|---|---|---|---|---|
| State Farm | $1,547 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance | 842/1000 | Best overall, strong customer satisfaction, extensive local agent network |
| Geico | $1,397 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Mechanical Breakdown Insurance | 834/1000 | Best for low average rates, easy online tools, mobile app |
| Progressive | $2,694 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, Custom Parts and Equipment | 828/1000 | Best for high-risk drivers, variety of discounts, Snapshot program |
| The Hartford | $2,214 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, New Car Replacement | 876/1000 | High customer satisfaction, AARP discounts, RecoverCare coverage |
| American Family | $2,124 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, Gap Insurance | 831/1000 | Solid coverage options, MyAmFam app, loyalty discounts |
| Allstate | $2,012 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, Sound System Insurance | 829/1000 | Wide range of coverage options, Drivewise program, Claim Satisfaction Guarantee |
| Nationwide | $2,012 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, Gap Insurance, Accident Forgiveness | 831/1000 | Good telematics programs, policy customization, Vanishing Deductible |
| Travelers | $1,426 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, New Car Replacement | 828/1000 | Competitive rates, IntelliDrive program, accident forgiveness |
| Root | $827 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement | Not rated | Cheapest average rates, usage-based insurance, app-based services |
| Auto-Owners | $2,350 | Liability, Collision, Comprehensive, Uninsured/Underinsured Motorist, Medical Payments, Rental Reimbursement, Roadside Assistance, Gap Insurance | 843/1000 | Affordable rates, strong customer satisfaction, local agent network |
This table provides a high-level comparison of Arizona’s top 10 auto insurance companies based on factors like average annual cost, customer satisfaction, financial strength, and coverage options. The rankings are based on the information gathered from the search results.
Some key takeaways:
– USAA, State Farm, and The Hartford are the top-rated companies for customer satisfaction.
– USAA, State Farm, The Hartford, and Travelers have the highest financial strength ratings.
– Root offers the cheapest average annual cost, while GEICO, Auto-Owners, and Direct Auto have relatively affordable options.
– The companies cater to different driver profiles, with some specializing in minimum coverage, high-risk drivers, or new car coverage.
Drivers in Arizona should use this comparison as a starting point to further research and compare quotes from these top insurers to find the best fit for their specific needs and budget.
FAQs about Cheap Arizona Minimum Car Insurance
What is the minimum car insurance coverage required in Arizona?
In Arizona, the minimum car insurance coverage required by law includes:
- $25,000 per person for bodily injury liability
- $50,000 per accident for bodily injury liability
- $15,000 per accident for property damage liability
What does minimum liability insurance cover in Arizona?
Minimum liability insurance in Arizona covers the cost of injuries and property damage to others if you are at fault in an accident. It does not cover your own injuries or damages to your vehicle.
How can I find cheap car insurance in Arizona?
To find cheap car insurance in Arizona, you can:
- Compare quotes from multiple insurance providers
- Look for discounts based on your driving record, vehicle safety features, and bundling policies
- Consider higher deductibles to lower your premium
Are there penalties for not having the minimum required insurance in Arizona?
Yes, driving without the minimum required insurance in Arizona can result in fines, suspension of your driver's license, vehicle registration, and possible impoundment of your vehicle.
Can I get additional coverage beyond the minimum requirements?
Yes, you can purchase additional coverage beyond the minimum requirements. This can include comprehensive and collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage for better protection.
Does Arizona offer any programs to help lower-income drivers get car insurance?
While Arizona does not have a specific program for low-income drivers, you can still find affordable options by shopping around, taking advantage of discounts, and potentially qualifying for state-sponsored programs like Medicaid which may offer transportation assistance.
How do traffic violations affect my car insurance rates in Arizona?
Traffic violations, such as speeding tickets or DUI convictions, can significantly increase your car insurance rates in Arizona. Maintaining a clean driving record is crucial for keeping your insurance costs low.
Is it possible to get car insurance with a bad driving record in Arizona?
Yes, it is possible to get car insurance with a bad driving record in Arizona, but it may be more expensive. Some insurers specialize in high-risk policies, and you may be required to file an SR-22 form.
What should I do if I am involved in an accident in Arizona?
If you are involved in an accident in Arizona, you should:
- Ensure everyone is safe and call emergency services if needed
- Exchange information with the other driver(s)
- Document the scene with photos and notes
- Report the accident to your insurance company as soon as possible
How often should I review my car insurance policy in Arizona?
It's a good idea to review your car insurance policy annually or whenever you experience a significant life event, such as moving, buying a new car, or getting married. This ensures you have the appropriate coverage and are not overpaying.
Blake Nwosu
Owner & Principal Agent