Cheapest Auto Insurance in Arizona

If you are a driver in Arizona, you know how important it is to get the best auto insurance coverage available at an affordable price. Auto insurance is mandatory in Arizona, so it is important to find the cheapest auto insurance policy that meets your needs. Luckily, there are several insurance companies in Arizona offering affordable and reliable auto insurance. Read on to find out more about the cheapest auto insurance in Arizona.

What affects the cost of auto insurance in Arizona?

The cost of auto insurance varies based on several factors such as:

Factors that affect the cost of auto insurance in Arizona
Age of driver
Driving record
Type of vehicle
Location

Age of driver

Young drivers typically pay more for auto insurance because they are considered higher risk. The older a driver is, the lower their premium will be.

The average cost of auto insurance for a 16-year-old driver in Arizona is $4,508 per year, while the average cost for a 25-year-old driver is $1,595 per year.

Driving record

Your driving record is one of the most important factors that affect the cost of auto insurance. If you have a clean driving record with no accidents or traffic violations, you are likely to pay less for auto insurance than a driver with a poor driving record.

The average cost of auto insurance with a clean driving record in Arizona is $1,307 per year, while the average cost for a driver with a DUI conviction is $3,181 per year.

Type of vehicle

The type of vehicle you drive also affects the cost of auto insurance. Sports cars and luxury vehicles typically cost more to insure than family sedans or SUVs.

The average cost of auto insurance for a Toyota Corolla in Arizona is $1,307 per year, while the average cost for a Mercedes-Benz S-Class is $3,085 per year.

Location

Where you live also affects the cost of auto insurance. If you live in a densely populated area with high traffic, you are likely to pay more for auto insurance than a driver in a rural area.

The average cost of auto insurance in Phoenix, Arizona is $1,366 per year, while the average cost in Flagstaff, Arizona is $1,042 per year.

The Cheapest Auto Insurance Companies in Arizona

There are several auto insurance companies in Arizona offering affordable rates. Here are some of the cheapest auto insurance companies in Arizona:

Geico

Geico is one of the most popular auto insurance companies in Arizona. They offer affordable rates and excellent customer service.

The average cost of auto insurance with Geico in Arizona is $1,097 per year.

USAA

USAA is a great option for military members and their families. They offer affordable rates and excellent customer service.

The average cost of auto insurance with USAA in Arizona is $996 per year.

State Farm

State Farm is one of the largest auto insurance companies in Arizona. They offer affordable rates and excellent customer service.

The average cost of auto insurance with State Farm in Arizona is $1,277 per year.

FAQ

What is the minimum auto insurance coverage required in Arizona?

In Arizona, drivers are required to have liability insurance with at least $15,000 of coverage for bodily injury per person, $30,000 of coverage for bodily injury per accident, and $10,000 of coverage for property damage per accident.

Can I get discounts on auto insurance in Arizona?

Yes, many auto insurance companies in Arizona offer discounts for safe driving, multiple vehicles, and bundling policies. Contact your auto insurance provider to find out what discounts are available to you.

How can I find the cheapest auto insurance in Arizona?

To find the cheapest auto insurance in Arizona, shop around and compare rates from different auto insurance companies. You can also contact a local independent insurance agent who can help you find the best rate.

Is it legal to drive without insurance in Arizona?

No, it is illegal to drive without insurance in Arizona. If you are caught driving without insurance, you may receive a fine and your driver’s license may be suspended.

How often should I review my auto insurance policy?

You should review your auto insurance policy at least once a year to make sure you have the coverage you need at an affordable price. Contact your auto insurance provider to make any necessary changes to your policy.

Conclusion

Getting the best auto insurance coverage at an affordable price is important for drivers in Arizona. By shopping around and comparing rates from different auto insurance companies, you can find the cheapest auto insurance policy that meets your needs. Remember to review your policy at least once a year to make sure you have the coverage you need at an affordable price.