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Car Insurance in Arizona

Illustration of a car driving down a road next to a field with a highway banner that reads

Finding the best Arizona car insurance for you offers peace of mind, and working with a local agent is the easiest way to do it. By comparing the most competitive quotes at once, you can make the best decision for your budget and coverage needs.

Driving in Arizona involves many adventures on the road with incredible sights, and having the right vehicle coverage can give you peace of mind while you’re on the road. Read on to find out what type of Arizona auto coverage can work for you.

Get Low-Cost Arizona Auto Insurance

Quick Facts

Arizona car insurance abides by its unique state laws. Here are some quick facts about Arizona driving laws that you should know.

  • It’s illegal to drive without auto insurance in Arizona.
  • Arizona is a comparative tort or comparative at-fault state.
  • Driving without insurance has serious consequences, including fines, a suspended driver’s license, and a mandatory SR-22 certification to drive on a restricted license.
  • Arizona has auto insurance rates that are lower than the national average.
  • The average cost of comprehensive auto insurance in Arizona is $1,200 per year.
  • The average cost of minimum liability insurance plans is $600 per year.
  • Around 20% of drivers in Arizona do not have automobile insurance.
  • After a DUI, Arizona drivers can get some driving privileges reinstated with a restricted license and SR-22 insurance.
  • The minimum liability requirements for both standard and non-standard auto insurance plans are 25/50/15.

How Much Is Car Insurance in AZ?

The rates for car insurance in Arizona depend on a person’s driving history, age, credit, and other personal information. Also, each insurance company in your area has its formula that determines a person’s insurance premium.

No two prices are the same from different companies, even if you order a quote with the same liability limits and product add-ons. To get the most accurate and cheap car insurance prices, you should ask an insurance agent for personalized car insurance quotes for the type of auto insurance coverage you need.

What Is the Average Premium in Arizona for Full Coverage Car Insurance?

The average premium for full coverage car insurance in Arizona is around $1,200. The quote for your vehicle may differ based on factors like your driving history, number of claims, and the area where you live. If you have a less-than-perfect driving history, then rates can be higher, while your rates can be lower if you have a good driving history and some discounts applied to your premium.

To know exactly how much you would pay, you should give as much information as possible to an auto insurance agent. Also, anything extra like a tire hazard protection program will make your premium higher in exchange for better on-the-road protection. While online forms can give you a good estimate of what you can pay, an in-person consultation will be able to assist you with additional discounts and options that you may miss when searching alone.

How Much Is It for Just the Minimum Required Car Insurance in Arizona?

For just the minimum required insurance in Arizona, it costs around $580 per year. This includes just the minimum liability coverage and not comprehensive coverage or protection from uninsured drivers. The minimum required coverages are currently 25/50/15. These limits are lower than what a driver typically needs to be protected on the road in Arizona. Damages can easily exceed these costs, so it’s wise to ask for higher limits.

It’s also important to get protection against uninsured drivers with a comprehensive insurance upgrade. Since one-fifth of Arizona drivers don’t carry auto insurance, this type of policy will protect you even when the other at-fault driver is uninsured. In this case, spending more per month can save you money if you ever get into this type of situation.

How Do Rates Compare Across Major Cities in Arizona?

Rates across major cities in Arizona differ. Some cities are considered riskier due to the higher percentages of incidents that happen there per year. Your rates will be reflected in the risk factors of your location. Here are the average rates in the state’s top cities.

Average Car Insurance Rates in Arizona’s Top Cities

City Average insurance rate
Phoenix $1,660
Tucson $1,315
Scottsdale $1,427
Sedona $973
Flagstaff $1,016
Mesa $1,467
Chandler $1,461
Tempe $1,521
Gilbert $1,420
Prescott $1,018
Glendale $1,618
Kingman $1,046
Surprise $1,364
Goodyear $1,271
Sierra Vista $965
Buckeye $1,263

Is There a Good Driver Discount in Arizona?

Yes, there is a good driver discount in Arizona. Drivers who haven’t made claims in years may qualify for a reduced premium. When young drivers mature and enter a less risky age bracket, they can get reduced rates and a good driver discount.

Seniors aged 55 and older may get a reduction in auto insurance rates by taking an online Arizona Mature Driver Course. Different insurance providers honor different types of good driver discounts, so shop around and ask to find the best deals for your driver profile.

Arizona Car Insurance Laws

Arizona car insurance laws generally align with that of other states. It’s illegal to drive without insurance, and non-SR-22 drivers need to carry minimum liability requirements on their policy. Arizona is a comparative at-fault state that can allocate different percentages of responsibility to both parties if there is a fault at both ends. Like other states in the country, DUIs and driving without insurance are met with serious penalties such as fines and license suspensions.

On your Arizona driver’s license, the Department of Transportation (ADOT) will assign you a code based on your insurer and level of coverage, which will be located on your insurance card. If you’re ever in an accident, you will need to share this code.

Arizona is also a comparative at-fault state, which means that the driver at fault must have their insurance pay for any damages or bills from the collision. The costs can also be shared if both drivers have some part of the blame in the accident, splitting the costs into percentages, such as 50/50 or 75/25.

What Are the Mandatory Car Insurance Requirements in Arizona?

The mandatory car insurance requirements in Arizona are 25/50/15, which represent $25,000 for bodily injury for one person, $50,000 for bodily injury for two or more people, and $15,000 for property damage. If you need SR-22 DUI insurance, the policy must also cover these minimum protection limits.

Though these low minimums are affordable, they often don’t provide enough coverage for the typical incident in Arizona. Bodily injury can easily exceed $25,000 when it comes to medical bills. Not to mention, there is no protection against uninsured drivers or random acts of nature such as fallen trees or hitting debris on the road. Comprehensive coverage offers significant benefits that often outweigh saving money every month. To upgrade your plan from minimum liability to comprehensive, talk to an Arizona auto insurance agent today.

What Factors Does Arizona Law Allow in Determining Your Premiums?

Arizona law allows car insurance companies to determine premiums based on their discretion. Factors like where you live, marital status, homeownership, educational institution affiliation, credit score, and employment affiliation can be part of the equation. Drivers can also find additional policy, driver, and vehicle discounts specific to the insurance company’s offerings.

To not miss any of these discounts, tell your insurance agent everything that could benefit you, such as your good driving history, any association memberships, driving classes, and more. Also, don’t settle for just one quote either, but shop around to get the best deal with the best deal for your dollar.

What Is the Penalty for Driving Without Insurance in Arizona?

The penalty for driving without insurance in Arizona gets steeper with each repeat offense. It typically involves a fine, license and registration suspension, and mandatory SR-22 insurance to re-obtain car insurance and driving privileges. The fines and suspension periods increase if you continue to get caught driving without auto insurance.

  • First offense: A fine of $500 and a three-month driver’s license and registration suspension. An SR-22 certificate of financial responsibility is also required for two years.
  • Second offense: A fine of $750 and a six-month driver’s license and registration suspension. An SR-22 certificate of financial responsibility is also required for two years.
  • Third offense: A fine of $1,000 and a one-year driver’s license and registration suspension. An SR-22 certificate of financial responsibility is also required for two years.

What Is Driving Like in Arizona?

Driving in Arizona includes some of the most incredible road trip sights in the country. From beautiful desert landscapes to lush forests and mountainous terrain, having the freedom to drive in Arizona opens up many adventures. There are also flash floods, dust storms, and highways that are considered some of the nation’s riskiest.

As with all good fun, you should be prepared for the best and the worst while driving. Have dependable auto insurance to cover any potential incidents on the road. With comprehensive coverage, you can order roadside assistance and have protection against random acts of nature as well as coverage against uninsured motorists. In addition to liability coverage, you can drive with peace of mind in this beautiful state.

How Many Car Accidents Happen in Arizona?

According to recent driving statistics, there were 127,056 car accidents in Arizona in 2018. Here are the top 15 “riskiest” cities in Arizona based on the population percentage that gets into an accident each year:

City Population and Number of Crashes

City Population # of crashes
Tolleson 6,992 447
Tempe 179,794 8,686
Williams 3,526 113
Phoenix 1,579,253 43,986
Flagstaff 72,961 1,962
Glendale 239,858 5,483
Show Low 11,377 260
Cottonwood 11,974 260
Sedona 10,319 222
Kingman 29,600 627
Avondale 81,621 1,517
Prescott 42,300 758
Chandler 257,948 4,488
Scottsdale 242,540 4,149

Car insurance rates go up or down with the level of risk posed in each location. There are also different average rates for zip codes within a select city.

How Many Motorists Are Uninsured/Underinsured in Arizona?

Around 20% of Arizona motorists are uninsured. This is higher than the national average of 13%. Arizona car insurance has some of the lowest minimums in the country, so it serves to get covered with a comprehensive plan.

When you have a one-fifth chance of encountering an uninsured motorist at the scene of an accident, it’s higher than the probability of rolling a specific number on a six-sided die. Though it’s not as bad as a coin flip, it’s a high enough chance to not risk on the road. When your finances, health, and assets are at stake, get coverage and protection against others who can put you at risk.

FAQs About Arizona Car Insurance

I Am a Low-Income Driver. What Can I Do About Getting Car Insurance in Arizona?

If you are a low-income driver, you can do a few things to get affordable car insurance in Arizona. Thankfully, Arizona has some of the lowest rates in the country. Follow these tips to get cheaper insurance:

  • Drive a car that costs less to insure, like a safe used car that is known for affordable repairs.
  • Ask about auto insurance deals such as good driver or anti-theft device discounts.
  • Increase your deductible to lower your monthly payment.
  • Drop optional insurance coverages and stick to just the minimum liability limits.
  • Get part-time (non-owners) driver’s insurance and share a car with someone else.
  • Carpool to reduce your daily mileage.
  • Pay your premium upfront for a discount.

These options can reduce your premium and make operating your vehicle more affordable. Overall, avoid insuring a risky vehicle like a sports car or a brand-new experimental vehicle. The more familiar the market is with a car’s safety ratings and advantages, the easier it is to find affordable insurance rates for it.

Can an Undocumented Worker Get Car Insurance in Arizona?

Yes, an undocumented worker can get car insurance or a driver’s license in Arizona — but they must have a work permit and be protected from deportation. Under Arizona state law, a worker can only get a state-issued driver’s license if they can prove that they have permission to be in the country.

Right now, only 17 states or districts officially allow undocumented people to have drivers’ licenses: Washington D.C., California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Nevada, New Jersey, New Mexico, New York, Oregon, Utah, Vermont, Virginia, and Washington, but they still require some proof of identity and evidence of residency in the state.

Is It Possible to Get Car Insurance in Arizona With a DUI Mark on My Record?

Yes, it is possible to get car insurance in Arizona with a DUI mark on your record. However, you will need to use a restricted license and obtain an SR-22 certificate of financial responsibility. Your insurance agent must file this document to the DMV. SR-22 insurance is a high-risk insurance plan that only a few insurance companies can issue. The costs of DUI insurance can be manageable when you work with an agent and explore your payment options.

Though it costs more than standard plans, it’s better than losing your license altogether. An SR-22 will enable you to drive to work, school, the hospital, and to get basic amenities without needing to depend on others for a ride. This freedom is worth the cost, which can be temporary if you abide by the rules.

Get Arizona Car Insurance Quote Today!

Photo of a road and cars driving toward the hills in Monument Valley, Arizona.
Finding Arizona car insurance is simpler than ever when you work with an insurance agent who can make all the cost comparisons for you. Whether you need comprehensive coverage, minimum liability, or SR-22 insurance after a DUI, Freeway Insurance can show you all the plans available to you in your area. Get back on the open road in Arizona and drive safely and legally with coverage that will give you peace of mind.

Get started with a quote online, visit us at an Arizona office near you, or call us at (800) 777-5620 for a quote today!

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