Cheapest Auto Insurance in Arizona

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Auto insurance is a necessity for anyone who wants to drive legally in Arizona. However, with so many insurance providers and policies available, finding the right coverage can be overwhelming. In this article, we will discuss the cheapest auto insurance options in Arizona and provide some helpful tips to ensure you get the best coverage for your budget.

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Factors Affecting Auto Insurance Rates in Arizona

Auto insurance rates in Arizona are determined by a number of factors, including:

  • The type of vehicle you drive
  • Your driving record
  • Your age and gender
  • Your credit score
  • The level of coverage you select

While these factors can impact your auto insurance rates, there are some things you can do to help reduce your premiums.

Shop Around for the Best Rates

The first step in finding the cheapest auto insurance in Arizona is to shop around. Look for quotes from multiple providers and compare the coverage and premiums offered by each. Be sure to consider factors like deductibles, coverage limits, and additional benefits when choosing a policy.

Consider Increasing Your Deductible

Choosing a higher deductible can help to lower your auto insurance premiums. However, it’s important to make sure you can afford to pay the deductible if you ever need to make a claim.

Take Advantage of Discounts

Many auto insurance providers offer discounts for things like good driving records, safety features on your vehicle, and bundling policies. Check with your provider to see if you qualify for any discounts that could help lower your premiums.

Cheapest Auto Insurance Providers in Arizona

Now that you know what factors impact your auto insurance rates, let’s take a look at some of the cheapest providers in Arizona:

Company Name
Monthly Premiums
Minimum Coverage
GEICO
$40-$150
$15,000 bodily injury per person/$30,000 bodily injury per accident/$10,000 property damage per accident
State Farm
$50-$200
$15,000 bodily injury per person/$30,000 bodily injury per accident/$10,000 property damage per accident
Progressive
$60-$250
$15,000 bodily injury per person/$30,000 bodily injury per accident/$10,000 property damage per accident
USAA
$50-$175
$15,000 bodily injury per person/$30,000 bodily injury per accident/$10,000 property damage per accident

Note: These rates are based on a 30-year-old driver with a clean driving record and a 2015 Honda Civic LX.

GEICO

GEICO is known for offering some of the most affordable auto insurance rates in the industry. The company’s minimum coverage in Arizona is $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

GEICO also offers a number of discounts, including multi-car and safe driver discounts, that can help you save even more on your premiums.

State Farm

State Farm is another popular option for drivers looking for affordable auto insurance in Arizona. The company’s minimum coverage is the same as GEICO’s, and it also offers a variety of discounts, including multi-policy and good driving discounts.

State Farm also has a large network of agents throughout Arizona, making it easy to get personalized support when you need it.

Progressive

Progressive is known for its name-your-price tool, which allows you to enter your desired coverage and budget to find a policy that fits your needs. The company’s minimum coverage in Arizona is the same as GEICO’s and State Farm’s.

Progressive also offers a number of discounts, including multi-car, safe driver, and multi-policy discounts. The company also has a mobile app that makes it easy to manage your policy and file claims on the go.

USAA

USAA is a popular choice for military members and their families, as the company offers special discounts and benefits for those who have served. The company’s minimum coverage in Arizona is the same as the other providers on this list.

USAA also offers a variety of discounts, including safe driver, multi-vehicle, and defensive driving discounts. The company is known for its excellent customer service and easy claims process.

FAQ

What is the minimum auto insurance coverage required in Arizona?

Arizona requires drivers to carry minimum liability coverage of $15,000 bodily injury per person, $30,000 bodily injury per accident, and $10,000 property damage per accident.

How can I get cheaper auto insurance rates in Arizona?

To get cheaper auto insurance rates in Arizona, you can shop around for the best rates, consider increasing your deductible, and take advantage of discounts offered by your provider.

What factors impact my auto insurance rates in Arizona?

Auto insurance rates in Arizona are impacted by factors such as the type of vehicle you drive, your driving record, your age and gender, your credit score, and the level of coverage you select.

What are the consequences of driving without auto insurance in Arizona?

Driving without auto insurance in Arizona can result in fines, license suspension, and even jail time. It’s important to carry the required minimum coverage to protect yourself and others on the road.

Can I get auto insurance if I have a poor driving record?

Yes, you can still get auto insurance if you have a poor driving record. However, your rates may be higher than someone with a clean driving record. Shopping around for the best rates and taking advantage of discounts can help to offset the higher costs.

Conclusion

Auto insurance is an essential expense for drivers in Arizona, but it doesn’t have to break the bank. By shopping around for the best rates, increasing your deductible, and taking advantage of discounts, you can find affordable coverage that meets your needs. Be sure to consider factors like coverage limits and additional benefits when choosing a policy to ensure you’re getting the most value for your money.

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