If you live in Arizona, your auto insurance rates for the nation are average. Actually, Insure.com lists Arizona as the 20th most expensive state for auto insurance with annual premiums of $ 1,557.
That’s only $ 40 more than the national average. So you won’t get spotted for auto insurance like those living in Michigan, the most expensive state. While prices in Arizona are average overall, your specific prices can be much higher or lower.
Car insurance takes into account many factors beyond your Arizona location. To find the best car insurance rates, you need to shop around. Here are some of the best Arizona auto insurance companies that you can get quotes from.
Compare deals on auto insurance in Arizona
Summary: Best Auto Insurance Companies in Arizona
Are you looking for a quick answer to who has the best Arizona car insurance? See the table below for our best options and how they stand out.
|providers||Best for||Average premium
(Monthly price for 25-year-old women who drive 17 Jettas without previous accidents)
|Gabi||Collect several competing offers at the same time||Varies|
|Allstate||Insurance supported by a local agent||$ 153.00|
|Esurance||Insurance support online or over the phone||$ 176.27|
|Liberty Mutual||Coverage options to suit your needs||$ 86.58|
|Metromile||Pay-per-mile car insurance||$ 84.01 + $ 0.09 per mile|
|District farm||Long list of discounts||$ 93.78|
|Progressive||Competitive premiums||$ 103.22|
|USAA||Excellent customer service for qualified military personnel and their families||Varies, you need a military ID to receive offers|
Above average premiums
The average premiums were calculated using the following dummy profile:
- Jennifer, 25 years old, is single, employed and has no previous accidents.
- She rents a 2017 Volkswagen Jetta 1.4 SE.
- She rents an apartment at 85748, Tucson.
- She secures every logical discount and opts for telematics programs (Progressive Snapshot, etc.).
Overall, Jenny’s quotes could be rough This reflects what you could pay for insurance in Arizona each month. However, Your Quotation marks vary. Every provider sees every single situation differently. While Liberty Mutual offered Jenny a pretty great deal, you could get the best deal elsewhere.
This is the only way to find the best prices for You is shopping around!
It used to be my best mention (and honestly just) To find the best rewards, you need to shop around and get quotes from at least half a dozen vendors. It is simply impossible to predict who will offer you the cheapest deal as the situation is unique for everyone.
Fortunately, Gabi exists to speed up the process. Once you have entered a basic personal, vehicle and driver history as you would on any other insurance page, Gabi will show you several competing offers at the same time so that you can choose the best one.
Gabi isn’t the first auto insurance aggregator. How do they stand out? Well Gabi lets you upload yours in a unique way current Car insurance so the website can focus on topping your existing plan. Then when it’s time to renew in six months, Gabi will do it again.
Learn more about Gabi or read our full review.
When you get auto insurance with Allstate you are in good hands along with 9% of the land. In fact, you are in the hands of one of the top five auto insurers in the country.
What makes people feel like they are in good hands is the agent’s experience. While you can get a quote online or through a local Allstate agent, each Allstate customer is assigned a local agent who you can turn to with questions. For people who value the personal experience, this could be a key factor in choosing Allstate over some of its competitors.
Allstate offers many potential discounts to lower your premiums. Examples include Anti-Lock Braking Systems, EZ Compensation Plan, Early Signing, FullPay, New Cars, Multiple Insurance, Responsible Payer, Safe Driving Club, and Discounts for Smart Students.
They also offer a feature called Drivewise. You use an app or device to track your driving habits, such as: B. Driving below 80 mph, braking hard, and driving late at night. If you are a low risk driver you can get discounts and cashback. After your first 50 trips, you will receive money back every six months.
Learn more about Allstate or read our full review.
Although Esurance is supported by Allstate, the auto insurance program works differently than the traditional Allstate model. You will receive offers either online or over the phone and will not receive a personal agent. This saves Esurance money, which lowers costs and can lead to lower tariffs for you.
Some people will hate not being able to speak to a local agent. If it’s you, Esurance isn’t a good fit. Those who, like me, prefer to work online or over the phone will have no problem with this model of car insurance.
It’s easy to contact Esurance when you need it. Their call centers are open every day of the week, including weekends, from 6 a.m. to 12 p.m. You can also email them and get a response within 24 hours, which is much faster than some companies.
Esurance even offers some discounts that you might find useful. Common examples include multi-policy, online listing, compensation, multi-car, defensive driver, anti-theft, and fully paid discounts.
Learn more about Esurance or read our full review.
According to its market share, Liberty Mutual is another top 10 auto insurance policy that you should consider. Even if they’re not as high on the list as Allstate or State Farm, they’re still a solid contender.
When you visit their website, Liberty Mutual focuses on explaining their coverage and helping you find the insurance you actually need. This focus on straightforward insurance could save you money if you bought too much coverage elsewhere.
You can also add more unique coverage options such as: B. a better car replacement that makes sense for your situation.
If you’re looking for discounts, Liberty Mutual has a lot to offer. General discounts include military, early buyers, advanced security, homeowners, good students, accident-free, injury-free, alternative energy, paperless policies, and fully paid discounts.
They also have a program called RightTrack that combines a device and app to monitor your driving habits for 90 days. Based on the results, you could get a 5% to 30% discount from this program alone.
Learn more about Liberty Mutual or read our full review.
Metromile is a unique auto insurer that is only available in a few states. Arizona is one of them. Because of this, they are clearly not in the top 10 auto insurers by market share, but that’s because they are a newer company with a niche audience.
Instead of charging a flat fee for your auto insurance premiums, Metromile charges a base rate each month and then calculates the number of miles you actually drive. Failure to drive often, or not far, can translate into huge auto insurance cost savings.
Metromile is not for everyone, however. If you drive long distances frequently, you may pay more for car insurance than with a traditional policy. Although miles driven over 250 miles per day are free, truckers could still pay a pretty penny if the trips are frequent.
Metromile offers discounts such as multi-car, professional, driving safety courses, alarm systems, rescue systems and good driver discounts. These are not deducted from your main insurance rate, but are already included in the rates displayed by Metromile.
Even so, it can’t hurt to get a quote and work out the numbers for your situation. You can adjust your coverage to find the perfect policy for you.
Learn more about Metromile or read our full review.
If you want to take out insurance with the largest car insurance company,
State Farm should be your choice. In the US, they make up around 16% of the auto insurance market.
As with Allstate, you can get auto insurance quotes online or in person. In either case, you will be assigned a local agent to assist you. If you prefer the traditional insurance model, it is definitely worth getting a quote from State Farm. If you’re like me and prefer a robust online support system, State Farm probably isn’t your best option.
State Farm offers a long list of discounts including accident-free, good driving, defensive driving courses, good student, multiple car, passive restraint, and vehicle safety discounts. They also offer two programs that can help you save even more.
The first is Drive Safe & Save, which uses an app that connects to a Bluetooth beacon to keep track of your driving habits. Specifically, they study fast braking, fast cornering, distracted driving, fast acceleration, and hard braking. If you drive more safely, you will receive up to 30% discount on your premiums.
You can also save if someone under the age of 25 in your policy takes on the Steer Clear program while fulfilling other requirements. After the process is complete, a certificate will be sent to your agent to receive the Steer Clear Safe Driver discount.
Like many of your favorite stars, Progressive does an excellent job of hiding its age. The provider’s chic website, industry-leading telematics program, and bubbly spokeswoman Flo would all point to a young, millennial-focused company barely older than the dot-com boom.
Progressives have been around since 1937, however. They stayed competitive through the 2020s by keeping their technology cutting-edge and offering extremely affordable rewards. Along with the many discounts and tools, Progressive is the right choice for many drivers regardless of their age.
Learn more about Progressive or read our full review.
Last but not least, USAA is a car insurance option for service members, veterans on honorary discharge, or their eligible family members. You must qualify for membership to take out USAA auto insurance. Therefore, people without qualification cannot take out auto insurance through USAA.
As a USAA member, I know there were times when USAA offered the best auto insurance rates for my situation. Plus, they offer the best customer service in the industry.
If you’re looking for discounts, USAA offers safe driver, military installation, defensive driving, membership duration, driver training, family, good students, vehicle storage, new vehicle, multiple vehicle, annual mileage, and more discounts. You also no longer have to pay to use a monthly payment plan.
Learn more about USAA or read our full review.
How I came up with this list
This list of the top Arizona insurers was selected from among the companies that insure Arizona drivers. After looking through the list, I selected a handful of companies that could help you get auto insurance at an affordable price with good customer service.
Unfortunately, it’s impossible to predict which auto insurance will be best for you and your particular situation.
Because premiums vary due to a number of factors, and the premiums that a particular company charges may be calculated differently than another company, you will need to seek multiple quotes to find the best deal for you. However, this list of insurers is a good place to start.
Minimum car insurance coverage is required in Arizona for 2020
As with most other states, Arizona requires vehicle owners to bear a minimum of financial responsibility. This is most often determined by taking out car insurance.
Specifically, Arizona requires personal injury liability insurance of $ 15,000 per person and $ 30,000 per accident. You will also have a $ 10,000 property damage liability per accident. This is commonly referred to as 15/30/10 coverage in Arizona. But what does that mean?
5/15/10 is short for the type of insurance you must have in tens of thousands of dollars. It represents liability for personal injury per person and accident or liability for property damage per accident.
Personal injury liability covers the cost of injury caused to others as a result of an accident that you are responsible for. The first limit covers how much each person can get from your insurance.
The second number is the total liability for bodily harm per accident that you are responsible for. If three people had a personal injury liability cost of $ 15,000, your insurance would only cover $ 30,000 if you had the minimum required.
The final figure covers property damage when you are at fault. Damage you cause to cars, houses or other property in an accident would use this coverage.
A major accident could dwarf the minimum insurance requirements for Arizona. If the limits are exceeded, you can be personally held responsible for the difference.
Because of this, auto insurance companies typically offer much higher liability limits for you to choose from. They cost more than the base limit, but proper insurance could save you from bankruptcy in really gruesome accidents.
If you get run over
If you get run over and don’t have minimal financial responsibility, usually in the form of car insurance, you won’t like the results.
You have received a minimum fine of at least $ 500 and have suspended your driver’s license and vehicle registration.
Arizona is a debt insurance state
Arizona auto insurance laws make it a debt state. That is, the guilty person is responsible for the financial damage caused by the accident.
The person who is not at fault, however, can reduce their damage if they are classified as comparatively negligent.
To obtain a license to drive in Arizona, you must be at least 15 years and six months old and pass vision and written tests. If you have a permit, an adult aged 21 and over must always sit in the front seat next to the driver of the permit.
You can get a diploma driving license at 16 if you meet the experience hours requirements, pass the road test, and meet other requirements.
There are restrictions, e.g. B. That you can only drive from midnight to 5 a.m. under certain conditions. The passengers you carry may also be restricted.
I’ve listed six of the many auto insurers available in Arizona, but I believe they are among the best options you have.
After understanding the laws and insurance requirements of the state, make sure you receive quotes from at least six auto insurance companies listed above.
This way, you can potentially save money on your car insurance premiums. It can even save you the hassle of choosing auto insurance with a great reputation for customer service.