Cheap Car Insurance in Arizona

The Cheapest Car Insurance in Arizona with Insurance Navy

It’s almost like being on Mars in Arizona’s desert and mountain regions with unique red rock formations. Of course, many come to Arizona to see the Grand Canyon, Hoover Dam, and plenty of other American landmarks seen on postcards. Phoenix continues to be a giant metropolitan powerhouse of business, education, entertainment, and sports.

Saguaro cacti line the desert roads between cities and towns of Arizona, along with the most significant percentage of Native American land in a single state with 22 resident tribes, including the Navajo.

The overall culture of Arizona reflects its presence and heritage. In addition to Phoenix –Tucson and Mesa are other city destinations. But none are as vast as Phoenix. With all the desert canyon roads and city streets, you can’t help but think about how much car insurance must cost for an Arizona resident.

The average car insurance cost in Arizona is about 3% less than the national average. Phoenix is the only city in the state with a population of more than one million, and most roads run through deserts and mountains –often barren.

Even so, some towns and cities in Arizona have varying local insurance rates simply because more drivers are on the road, and a larger population means more chances of crime. The cost of car insurance also depends on the driver purchasing it and the car they are insuring. It also depends on the insurance provider you choose.

That is where Insurance Navy comes in. Finding affordable and cheap car insurance is a game of competitive comparisons and quoting processes that Insurance Navy is all too familiar with. Below is a guide on how and why Insurance Navy can be your primary source for cheaper Arizona auto insurance.

Car Insurance Requirements For Arizona Drivers

The Basics of Car Insurance in Arizona

You don’t need to be a resident of Arizona to know how important it is to have car insurance in the United States. Nearly every state has its requirements for car insurance that every driver must at least carry to drive legally. Arizona is one such state.

The legally required auto insurance that nearly every driver has is minimum liability coverage. This is meant to cover any damage or injuries you cause to other drivers and their vehicles.

Not having car insurance in Arizona and such states can result in legal penalties beyond just fines. Driving privileges can be revoked if caught driving uninsured. But just because something like auto insurance is legally required doesn’t mean it has to be expensive. So, local and national car insurance companies can compete for the cheapest rates in town.

The Minimum Requirements For Arizona Car Insurance

All drivers that have a car registered in the state of Arizona are required to carry at least the following amounts of general liability car insurance:

• Bodily injury liability: $25,000 per person
• Bodily injury liability: $50,000 per accident
• Property damage: $15,000 per accident

Remember that these are the bare minimum coverage amounts of Arizona car insurance you can carry. Because damage to cars and medical treatment for drivers sustaining injuries after an accident isn’t cheap, it’s highly recommended that you have at least $10,000 more for each respective minimum coverage.

Being underinsured can leave you responsible for outstanding damage and injury costs. So, car insurance will protect you not only legally but also financially. How much coverage you would carry strictly depends on your needs and budget.

Other Car Insurance Coverages You May Purchase in Arizona

Additional coverage is available for yourself and your car in at-fault accidents, even when your vehicle is damaged or stolen while parked. Arizona has no laws requiring more car insurance beyond general liability. You may only need full car insurance coverage if you finance your car.

These optional coverages include:

• Comprehensive car insurance
• Collision car insurance
• Gap auto insurance
• Personal injury protection (PIP) coverage
• Roadside assistance insurance
• Rental car reimbursement coverage
• Uninsured motorist coverage

How You Can Be Penalized For Driving Without Car Insurance in Arizona

Driving with car insurance and maintaining proof of it is the law. Not doing so can result in penalties like any other violation. It’s better to be found out by the authorities than to be caught up in an accident you caused and can’t pay for. Either way, one of these is guaranteed to happen if you drive without auto coverage.

Penalties that the state of Arizona includes for doing such include the following based on offense:

• First-time offenders of driving uninsured in Arizona are subject to a fine of $500, license and plate suspension for three months with a $35 reinstatement fee and an SR-22 insurance requirement for two years.
• Second-time offenders driving uninsured in Arizona are subject to a fine of $750, license and plate suspension for six months with a $35 reinstatement fee, and an SR-22 insurance requirement for two years.
• Third-time offenders driving uninsured in Arizona are subject to a fine of $1,000, license and plate suspension for a year with a $35 reinstatement fee and an SR-22 insurance requirement for two years.

Basic Auto Insurance With The Cheapest Rates in Arizona

Cheap car insurance is found nationwide, even in areas that may not seem possible. All it takes is some heavy-duty shopping and comparison with local and national car insurance providers.

Arizona, like several other states, has several operating within them, competing for the cheapest rates in town. Even full-coverage car insurance rates can be affordable with the right insurance provider. Of course, as you will soon read, plenty of personal factors play into finding the cheapest car insurance rates.

How Much Does Car Insurance Cost in Arizona?

How much precisely you pay for car insurance as a resident of Arizona depends on various personal factors –so much so that nearly everyone, even neighbors, pays a different amount for coverage. This is also true for every other type of insurance besides auto insurance.

Regarding car insurance and its average cost in Arizona, drivers of the Grand Canyon state enjoy an annual average of $1,482 for full coverage –this is about 3% less than the national average of $1,721 per year.

Meanwhile, minimum and basic coverage costs around $897 annually on average. The barren canyon and desert roads that frequent the state make for low-risk driving with little traffic compared to the few metropolitan areas.

Factors That Determine How Much You Pay For Car Insurance

Let’s look at how personal the cost of car insurance can be in Arizona. When you begin your free quote at local and national car insurance companies, they will take note of the following factors to calculate what your rates would be with them:

• Car’s make and model
• Your driving history
• Your age
• Your local Arizona zip code
• Your marital status
• Where do you park or keep your car when not driving
• Listed sex on your driver’s license
• Your credit score

Car insurance companies use these factors to gauge your risk as a policyholder and charge you specific rates accordingly. They can’t discriminate based on sex, marital status, and credit score. However, there will likely be a difference reflected in their car insurance quotes.

Everyone is different and pays different amounts for car insurance in Arizona and every state. The following sections all elaborate on how.

How Your Age Impacts Your Car Insurance Rates in Arizona

The most common knowledge about car insurance is that the youngest drivers will pay the most. This isn’t true in Arizona and even the United States, but everywhere. It’s mainly because young drivers are often new to it, with little driving history for the car insurance providers to base their risk on. So, they have no choice but to assume they don’t have the safest driving habits.

Specifically, drivers aged 16 to 25 pay the highest car insurance rates, more than ten times any given average, to be exact. Unfortunately, the only remedy for this is the passage of time and being the safest driver you can be. Some car insurance providers may offer good student discounts, but they are often minuscule.

When drivers turn 26 and avoid filing claims and accidents, their car insurance rates begin to lower to more average amounts. Several people this age can also get insurance if they are on their parent’s policy.

The cheapest car insurance always goes to the safer driver before the older driver, so making safe driving habitual is essential. Car insurance rates will begin to increase again when you turn 65 naturally, but nowhere near as much as it was when you were younger. Again, this is the case for all drivers in the United States, not just Arizona. Age is something other than what we can help with.

How Can Young Drivers Find Cheap Car Insurance in Arizona?

According to data from Arizona, a new 16-year-old driver would pay about $6,879 per year for full-coverage car insurance. This is roughly six times the amount of the state average for adult drivers. Suppose you avoid accidents, claims, and traffic violations. In that case, you may consider an annual car insurance premium of $5,340 at age 18. As previously mentioned, it should continue to lower the average cost by the time you turn 26.

This doesn’t mean that affordable and cheap car insurance for new drivers in Arizona isn’t impossible. The most common method is to have a young driver on their parent’s existing car insurance policy to offset the costs until the driver turns an age where the rates are affordable.

Insurance Navy sees and quotes new and old drivers daily and has plenty of experience with insurance rates and different age groups. The most reliable way to find cheap car insurance is by comparing and contrasting different insurance providers' rates.

This can be a tedious and time-consuming process, but not when you have Insurance Navy doing it all for you to find the cheapest car insurance for young drivers.

How Your Arizona Zip Code Can Affect Your Car Insurance Cost

Your zip code, specifically the city in Arizona you live in, will significantly influence your auto coverage rates. With your zip code, car insurance providers can gather local driving stats, including traffic, crime, population, and more, that help measure the risk of insuring your car in any area of Arizona.

Because of this, the larger metropolitan areas in Arizona, like Phoenix and Glendale, have the highest auto insurance rates in the state, with $2,064 and $2,020 per year, respectively. Meanwhile, smaller cities, like Kingman and Flagstaff, have some of the lowest annual rates, under $1,000 per year.

How Drivers With Subpar Credit Can Still Find Cheap Auto Insurance

Making monthly payments that go towards your insurance premium and making them on time are among the foremost aspects of having auto insurance. The foremost indicator of how reliable you are at doing this is your credit score, which is based on making payments on time every month. This means that those with lower or subpar credit scores may pay higher rates for auto insurance than the average driver.

There also is a noticeable correlation between lower-than-average credit scores and filing insurance claims, as car insurance providers have found out.

Having good credit won’t just help you find the cheapest car insurance. However, it will also assist you in other big decisions in life, like renting an apartment. Affordable car insurance, in the meantime, shouldn’t be impossible.

Affordable Arizona Car Insurance For Drivers With At-Fault Accidents on Their Driving Record

According to state data, car insurance rates in Arizona will increase by about 54% after an at-fault accident. Meanwhile, markup for at-fault accidents stays on driving records for about three years. Finding cheap auto insurance may be slightly more complicated during this time –but it’s not the end of the world.

Insurance Navy offers such products as first-time accident forgiveness, wherein your first at-fault accident would not affect your rates. While this is only good for once, this coverage comes in financial handy for several drivers in Arizona. This helps keep policy and rates affordable while they work to become a safer driver.

Cars That Get The Cheapest Car Insurance in Arizona

Another well-known fact about auto insurance is that more expensive vehicles will usually cost more. This is especially the case for high-performance, high-valued luxury and sports cars.

Cars with the latest technical features also fetch hefty annual rates. If a vehicle of that value were to be damaged, the auto insurance company would have to pay out a lot. So they compensate with higher rates.

Arizona is generally a better state for sports cars as it gets no snowfall, and roads do not become icy in the winter. Still, auto insurance providers have criminal and traffic rates to consider.

Older and more standard makes and models with proven reliability and safety track records are the vehicles subject to the cheapest car insurance.

Despite this, Insurance Navy strives to set a new average for drivers with higher-valued cars in Arizona by competitively comparing several local quotes to find the cheapest coverage options for any given make and model.

Car Insurance Cost is Also Determined by How Much You Drive in Arizona

The general assumption of risk by auto insurance providers is that the longer you are in your vehicle, the more likely an accident will occur. Data suggests that the average American drives nearly 14,500 miles per year –these drivers tend to pay the average amount for coverage.

Those who drive more than average, be it for a lengthy commute or driving is their job, are shown to record more than 20,000 per year.

Arizona cities and townships are also miles apart as one of the desert and mountainous states. While this may be the case for higher rates for an auto policy, the smaller number of drivers on the roads, due to the modest population, makes collisions with other drivers less likely, which could be a reason for Arizona’s lower average auto insurance cost.

How Traffic Violations in Arizona Affect Your Car Insurance Cost

• An auto insurance claim can increase your rates by 4%.
• Not wearing a seatbelt can increase your rates by 13%.
• A speeding ticket can increase your rates by 7%.
• An at-fault accident can increase your rates by 54%.
• Reckless driving can increase your rates by 48%.
• Street racing can increase your rates by 34%.
• A DUI can increase your rates by 80%.
• Driving with a suspended license can increase your rates by 8%.
• An SR-22 requirement can increase your rates by 40%.

*These percentages are based on averages. The exact amount your rates will increase after any of the above violations or damages depends on your insurance provider and your place of residence in Arizona.

The Cheapest Car Insurance Options For Drivers With DUI Charges in Arizona

Driving under the influence is cracked down on pretty much everywhere, and not just in Arizona. Several states and countries keep a sharp eye on drivers' BAC levels, and even the slightest exceedance over the limit can result in severe legal and financial penalties. It makes sense because drinking and driving are one of the foremost causes of death while behind the wheel.

Your insurance provider increasing your coverage cost by 80% is the least of your problems when being penalized for a DUI. Fines, jail time, and license suspension for some time can also follow.

How long jail time is, how many fines and other expenditures will depend on the offense, and whether or not it’s your first. DUI violations also stay on your Arizona driving record for up to ten years, which all prospective insurance companies can see. You’ll also be required to carry SR-22 insurance.

Drivers convicted of a DUI can still buy the cheapest car insurance ever, but they strive to set a new low-cost average for the rates of such drivers. At the same time, they also specialize in SR-22 insurance filing when required in every state they operate in, including Arizona.

What is SR-22 Insurance in Arizona?

Contrary to its name, SR22 insurance is not a type of car insurance but rather a certification that high-risk drivers have the coverage they are supposed to. A DUI conviction is the most common reason why the state, in this case Arizona, will require you to carry an SR-22.

An SR-22 is meant to be renewed annually and maintained for about three years. Insurance Navy works directly with the Arizona DMV to complete the SR-22 filing process for their policyholders who require one. They also assist with the yearly renewal process. All the while, they are striving for the cheapest high-risk driver rates in town.

Low-Cost Car Insurance For Drivers in Arizona With Speeding Tickets

After a speeding ticket in Arizona, an insurance cost increase of nearly 50% is a lot for several drivers. This isn’t just for a brief period, but as long as the speeding ticket stays on your driving record for anywhere from three to five years. During this time, prospective providers will quote with higher-than-average rates.

Insurance Navy doesn’t believe that one speeding ticket should compromise your ability to get affordable auto coverage. Please sit back and let them take it from here with their lightning-fast comparison of local and national providers with the best rates for drivers with speeding tickets in Arizona.

Average Cost of Car Insurance in Different Arizona Cities

• Chandler - $1,687 annually
• Gilbert - $1,704 annually
• Glendale - $2,020 annually
• Mesa - $1,748 annually
• Peoria - $1,810 annually
• Phoenix - $2,064 annually
• Scottsdale - $1,752 annually
• Surprise - $1.690 annually
• Tempe - $1,782 annually
• Tucson - $1,666 annually

Noticeable Trends With Car Insurance in Arizona

Within the last couple of years, the most noticeable trend in Arizona car insurance is the rate and cost increase by up to 6.9%. This gives us the new Arizona annual average of $1,418. This was mainly due to the influx of drivers after the COVID-19 pandemic and inflation, causing vehicle supply chain shortages.

Phoenix continues to be the city in Arizona with the highest auto insurance rates. At the same time, the town of Verde Village has the cheapest –about 20% less than the average cost in the state.

Arizona Cities With The Lowest Premiums

The main reason why Verde Village has the lowest auto insurance rates is its small population of only 12,780. The majority of the community are retired residents. So there isn’t much traffic for these reasons.

The crime rates here are nearly nonexistent at the same time. While other cities in Arizona won’t have as low premiums as Verde Village does, there are some close contenders.

What Are Cities in Arizona With The Lowest Premiums?

Residents living in the listed Arizona cities below will have the most luck finding the cheapest rates in the state, as they already have extremely low averages to work with. These cities include:

• Lake Havasu City
• New Kingman-Butler
• Sierra Vista
• Flagstaff
• Bullhead City
• Prescott
• Prescott Valley

How Insurance Navy Gets You The Cheapest Car Insurance in Arizona

Insurance Navy’s Competitive Quoting Process

Many drivers have to settle with their car insurance rates because they need more time to sit down and compare all their provider options.

Insurance Navy handles all the tedium of going through local and national providers to find you the most affordable and even cheapest rates. The best part is that their online quotes are free and can be done within minutes, regardless of your risk.

How You Can Affect The Cost of Your Auto Insurance

While you may not be able to help certain factors that determine how much you pay for auto coverage, like age and sex, you can take matters into your own hands by bundling your homeowners' insurance with your car insurance for a significant discount.

Aside from the safe driver discount, you may qualify for several others, like a green car (for electric vehicles). Insurance Navy will always determine your eligible discounts after an online quote.

Do Not Allow Your Auto Policy to Lapse

Aside from discount hunting when shopping for new insurance, you should also take care of your current coverage by only allowing it to lapse or expire once you have the latest policy lined up.

When an auto policy lapses, that creates a gap in your insurance history, which can convey risk to insurance providers and lead to higher rates. When you switch with Insurance Navy, they will ensure your new policy is set to replace your old one smoothly with no lapse.

Get Uninsured Motorist Coverage in Arizona

Spending more on auto insurance to save on it may be counterintuitive. However, you will find that adding different coverages to your policy can save you in the long run –especially uninsured motorist coverage.

Drivers will always illegally drive without insurance, regardless of state. If you were to cross paths with one of these drivers, your damages might go uncovered, or you will have to pay for them. Because of this, having uninsured motorist coverage saves.

Get Your Free Arizona Car Insurance Quote With Insurance Navy Today

Let Insurance Navy find you the most affordable auto coverage when you select us as your auto insurance broker.

Regardless of your risk, residence in Arizona, and credit score, affordable and cheap car insurance is a free online quote away. As a policyholder, enjoy streamlined policy management with their professional and reliable customer service and helpful app for instant updates and check-ins to your policy.