Car insurance rates in Arizona are higher than the national average due to the number of traffic fatalities in the state. If you’re looking for cheap insurance quotes, you’ll definitely want to consider multiple providers to find the best rate.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Arizona. And if you want to learn more about car insurance rates in Arizona, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Arizona.
Cheapest minimum coverage car insurance in Arizona
The minimum required insurance coverage varies depending on your state laws. In Arizona, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Arizona:
Additional coverages you might want to consider when shopping for car insurance in Arizona
Coverage to consider
Flash floods & landslides
Comprehensive insurance will cover physical damage to your car, including from a severe weather event like flash flooding or landslide.
About 12% of drivers in Arizona drive uninsured. Having uninsured motorist insurance helps protect you financially if you get into an accident with a driver who doesn’t carry the minimum required coverage.
As populations rise and more cars hit the road, accident forgiveness coverage can help ensure your premiums don’t rise if you get into an at-fault accident.
While minimum liability insurance is sufficient to drive in the state of Arizona, local factors like severe weather events and a growing number of cars on the road make additional coverage a good idea.
Best carriers for minimum coverage car insurance in Arizona
If you’re out on the open roads without the minimum required coverage, you leave yourself open to some serious penalties. Getting caught driving without insurance can result in a fine of up to $1,000, suspension of your license for up to a year, and the possibility of requiring an SR-22 certificate of financial responsibility.
Luckily, premiums for minimum liability insurance are pretty reasonable.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Arizona:
While you technically only need minimum insurance to drive legally in Arizona, securing additional protection will provide peace of mind and protect you financially in the event of an incident.
Cost to insure your car in Arizona by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Inexperienced drivers have a significantly higher risk for car accidents, which are the leading cause of death among teenagers in Arizona. Teens are involved in three times as many fatal crashes as drivers in other age groups.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for young drivers in Arizona with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Arizona sets out specific penalties for drivers under the age of 18 who are convicted of a traffic violation—attending Traffic Survival School for the first offense, a three-month driving suspension for the second offense, and a six-month suspension for the third offense.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
How much does it cost to insure my car make in Arizona?
Driving through the Arizona desert in your Jeep Wrangler might sound like a great weekend adventure—but it’s certainly not going to save you on your insurance costs. Cars like the Honda Civic are fun drives and get some of the lowest insurance rates year after year.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
While Arizona’s average insurance rates hover around the national average, there are a couple main factors that keep them from being lower.
Arizona has higher than average traffic fatalities, which represents a greater risk for insurers. It’s also prone to flash flooding and landslides, which can cause serious damage to vehicles and require big insurance payouts.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.