Car Insurance in Arizona

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Looking for Cheap Car Insurance in Arizona?

Arizona, nicknamed the Grand Canyon State, has plenty of natural wonders to offer tourists. Unfortunately, Arizona's car insurance rates are around the national average despite its abundance of hiking trails and national parks. The state has a mix of urban cities and open expanses. However, the state also has some of the worst weather, with thunderstorms and monsoons likely to soak any hiker or camper caught outside.

In addition, Arizona has a low risk of natural disasters, despite high desert temperatures, which is why insurance providers see fewer claims due to extreme weather compared with other states.

While location is one factor that insurance companies consider when setting your car insurance premiums, other attributes are also considered. Hence, it's good to compare quotes for the best price. And Carlay can help you do just that!

It's quick and easy to sign-up for Carlay. You'll receive quotes from over 50 top insurance providers in less than a minute. The average customer saves $879 per year by switching to Carlay. And even more importantly, our friendly team members will handle all of the paperwork and cancel your old policy.

That's not all! With Carlay's reliable customer service, you can rest assured that when you need help getting Arizona car insurance quotes—or if your coverage comes up for renewal—you have access to an experienced team of advisors.

How Much Does Car Insurance Cost in Arizona?

If you buy liability-only car insurance in Arizona, you'll pay about $1,805 per year. If you opt for full coverage car insurance in Arizona, you'll pay about $2,075 per year.

The national average for liability-only car insurance is $1,783 per year, and the average for full coverage car insurance is $2,485 per year.

What contributes to the insurance rates in Arizona?

Here are some things to bear in mind as you consider car insurance rates in Arizona.

  • Urban areas

The rural areas of Arizona have much lower car insurance rates than cities, such as Phoenix and Tucson. A few factors that go into play include population density, crime rates, and traffic congestion. The more people around you, and/or the denser an area (more cars on the road), increases your risk of accident involvement. That's why it may be cheaper to get auto insurance quotes outside city limits!

  • Auto thefts

Statistically, Arizona is one of the top states for auto thefts, which helps explain why car insurance premiums are higher than average. So if you're looking to save money on Arizona car insurance, shop with a carrier that offers discounts for anti-theft devices like alarms and tracking systems; these devices can cut your premium by up to 30 percent.

  • Uninsured Drivers

The state's population is growing, but only about a quarter of Arizona residents have automobile insurance. This contributes to higher rates because uninsured drivers are more likely to cause accidents. Insurers charge more money to make up for those who do not have car insurance. This cost is passed down to everyone to maintain stability within Arizona's insurance markets.

Here's how Arizona compares to the US in terms of insurance premiums:

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
AZ $2,137 $1,459 $1,799 $1,025 $2,262 $1,856
National Average $2,490 $1,672 $2,360 $1,391 $2,762 $1,964
AZ National Average
All Coverage BeforeCarlay $2,137 $2,490
All Coverage AfterCarlay $1,459 $1,672
Minimum Coverage BeforeCarlay $1,799 $2,360
Minimum Coverage AfterCarlay $1,025 $1,391
Full Coverage BeforeCarlay $2,262 $2,762
Full Coverage AfterCarlay $1,856 $1,964

Top auto insurance providers in Arizona

Auto insurance quotes are easy to get, but finding cheap auto insurance requires doing your homework. Luckily, we've done it for you. Here are some of our favorite auto insurance providers

Geico, State Farm, and Travelers are ranked among Arizona's top auto insurance providers. These companies are well known for their competitive prices and excellent customer service. Of course, these rankings may change due to changes in premium rates or customer satisfaction ratings, so it's always a good idea to compare quotes from at least three different companies to find out which one offers cheap car insurance AZ.

Arizona insurance companies consider various factors when they set your car insurance rates, including your age, marital status, driving history, and where you live. Moreover, based on the price point of your car, you may pay more for insurance. For example, luxury cars like BMWs cost more to insure than Hondas because of the base price of the BMW and higher replacement costs.

Regardless of the variables mentioned above, Carlay is the home of some of the best deals for Arizona drivers. It's a no-nonsense auto insurance company that wants to provide you with a quality policy at an affordable price. Shopping around just got easier—and so did saving money!

What Car Insurance Do You Need in Arizona?

In Arizona, drivers are required to purchase motor vehicle liability insurance before legally driving any motor vehicle on the roadways. Arizona's minimum coverage includes the following:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Covers your legal expenses that are incurred as a result of injuries you cause others.
Property damage liability $15,000 per accident Covers the costs incurred when you damage another person's car or property.

The lack of required insurance could result in several negative consequences, including:

  • Driver's license suspension of up to a year
  • Vehicle registration suspension up to a year
  • Fine of up to $500 for your first offense

If you own a car and live in Arizona, remember to buy at least the minimum amount of liability insurance required by law. If you want additional protection, consider purchasing coverage for some of these other reasons:

Coverage Description
Collision insurance Coverage for collision includes damage from a collision with another vehicle or stationary object.
Comprehensive insurance Covers damages due to incidents other than a collision, such as vandalism, theft, or a natural disaster.
Roadside assistance Covers you for the expenses and inconvenience of a breakdown.

Whether you're looking for comprehensive car insurance or collision insurance, Carlay can help. We compare Arizona car insurance companies to find cheap quotes and provide everything you need to know about your coverage. With Carlay's discounts and price guarantee, you'll be able to find inexpensive Arizona car insurance no matter who you buy from.

Carlay is no ordinary insurance agent. Carlay will even cancel your old policy for you. And if you want the lowest rate possible, Carlay will send you new quotes every time your policy comes up for renewal. On average, Carlay customers save $879 per year!

Understanding the factors that influence the cost of insurance in Arizona can help you choose wisely when you know your needs.

How is Your Cost of Car Insurance Determined in Arizona?

If you're looking for affordable car insurance in Arizona, your cost is determined by your driving record, where you live and work, and what kind of vehicle you drive. We'll walk through each below so that you can save on cheap car insurance in Arizona.

What young drivers in Arizona need to know

Arizona drivers in their teens and early twenties can expect to pay more for car insurance than drivers older than 25. This is because they are considered high-risk drivers. However, completing defensive driving courses can help drivers under 25 lower their insurance premiums. These courses can be completed in person or online.

Additionally, drivers who maintain good grades, an average of B or above, while attending school will qualify for a good student discount on their car insurance. As young drivers just starting, you can save hundreds of dollars a year on car insurance by shopping around, maintaining a clean driving record, and getting discounts.

Carlay encourages young drivers to compare insurers for low prices. Here are the average premiums for drivers by age:

Age Group Average Cost Annual Savings withCarlay
18-20 $2,889 $966
21-24 $2,562 $911
25-34 $2,476 $901
35-44 $2,410 $886
45-54 $2,256 $819
55-64 $2,139 $783
65+ $2,588 $1,056
  • Cost to insure your car in Arizona with a poor driving record

In addition to considering your age and gender, car insurance companies will look at your driving record to determine what you will pay for insurance coverage. For example, suppose you have been involved in an accident, garnered a speeding ticket, or had a significant infraction on your record. In that case, you will pay more for Arizona car insurance rates.

Even if you have a bad driving record, you can still get excellent car insurance rates by using Carlay as your go-to provider! Following is a listing of rates based on Carlay's experience for drivers with less than perfect records:

Driving Violation Average Cost Annual Savings withCarlay
Clean Record $2,525 $801
Driving on Sus. License $3,614 $1,648
Failure to Obey Traffic Sign $3,369 $1,043
Defective Equipment $2,839 $978
DUI $2,975 $975
Improper Passing $2,455 $975
Wrong Way/Wrong Lane $3,150 $970
Speeding under 15 $2,934 $960
Illegal Turn $2,491 $724
Suspension $2,877 $643
  • Cost to insure your car in Arizona based on where you live

The average Arizona car insurance rates are about the same as the national average, but your rates can be higher if you live in a different state area. If you live in one of the larger urban areas in the state— Phoenix or Tucson —your car insurance rates will likely be similar to the rest of the country.

The reason is the cities' population density, the concentration of young drivers at local universities, and their high rate of accidents. On the other hand, if you live in low-traffic or more rural parts of the state, your rates could be lower than average.

Here's a list of the average car insurance rates you can expect as an Arizona customer of Carlay:

  • Cost to insure your car in Arizona based on the type of car you drive

Your vehicle's make and model directly bear your car insurance rates. So, for example, an SUV can cost more than a compact car. That's because SUVs are larger and more expensive to repair than smaller cars like compacts or sedans. So if you live in Arizona and drive an SUV, it's likely that your premiums will be higher than someone who lives there and operates a small sedan.

Also, a Toyota Corolla, for example, is a popular choice for Arizona drivers due to its low initial cost and high safety rating. As a result, it will be more affordable to insure than a luxury car like Chevy Corvette. Generally, buying a less expensive vehicle means lower repair or replacement costs, which will give you lower premiums when you purchase insurance. Also, the fewer miles you drive, the fewer accidents you'll be in and the lower your premiums will be.

Here's what the insurance bills look like for some popular models, with and without Carlay.

How to Save Money On Car Insurance in Arizona?

You can lower your premiums on car insurance via a number of ways. Some of them are:

  • Shop around for quotes

The best way to find cheap car insurance is to shop around. You'll need to check out several insurance companies and their quotes. It will take time, but it can save you hundreds of dollars per year on your Arizona auto insurance bill.

That's where Carlay can help. It's free to sign up and takes just minutes. The free Carlay app enables you to compare, enroll, and even file an insurance claim with easy-to-use features and support from your phone or computer.

Moreover, Carlay will help you cancel your old car insurance policy and keep an eye on rates before renewal, so you know when to switch.

  • Look for discounts

One of your best bets to save money on car insurance is to look into discounts. Arizona has plenty of ways to get deals, but it depends on what kind of driver you are and how long you've been driving. Ask your insurance company about discounts if you're a safe driver, have good grades or a clean driving record, etc.

Discount Who is eligible?
Good driver discounts Arizona drivers are entitled to good driver discounts if they have no claims history and no serious driving-related infractions. State law mandates this discount, which saves you 10%-30% on your car insurance premium.
Bundling discounts Combining auto and home insurance with the same company can get you an instant discount of up to 18%.
Defensive driver discounts Young drivers can save money on their car insurance premiums by completing a state-approved defensive driving course.
Payment and billing discounts Save up to 25% off your yearly premium by paying premium upfront or simply by signing up for paperless billing.
Good student discounts Maintaining a good grade of B or above makes you eligible for good student discounts and you can save up to 25% through your insurer.
Telematics Signing up for telematics programs and maintaining good driver's habits and behavior qualifies you to receive some discounts.
  • Increase your deductible

If you live in Arizona, where car insurance rates are above average, take advantage of your higher deductible. If you're an Arizona resident who drives less than 10,000 miles a year and carries only liability coverage with a low deductible, raising your deductible could shave off up to 25 percent or more from your annual insurance bill. Increasing your deductible is a surefire way to decrease your Arizona car insurance rates.

Registering Your Car in Arizona

To register your car in Arizona, you'll need to be sure that you have the following documents:

  • A driver's license or ID card
  • A car title or signed lease agreement
  • Proof of insurance
  • Proof of sales tax payment
  • Proof of a Level 1 inspection
  • Pay registration fees

Once you have all of the paperwork, it's advised to book an appointment with DMV to register your car. After that, you will also have to fill in some documents with some personal information about you and your vehicle.

P.S. It's important to note that all drivers have to renew their vehicle registration annually.