If you’re looking for cheap auto insurance companies in Arizona, we are here to direct you in making a good choice. Cheapest auto insurance companies in Arizona rates fluctuate from one company to the next, ranging from personal factors such as age, ZIP code, and credit history.
We made research about car insurance rates in Arizona to help our readers make a good choice when considering auto insurance in Arizona. According to our research, Annual costs in the Grand Canyon state were found to be $1,306 or $109 monthly on average for our sample driver’s full coverage.its will be very nice to note that Costs varied city by city in Arizona, as well as company by company. according to our research, for example, the most expensive city came in at 33% more than the state average while the cheapest city was 21% cheaper. The sample drivers we used during our research found that insuring with the most expensive company could pay for almost four years at the cheapest insurer in Arizona! Take a look at the results of our analysis.
Based on our findings, we found that Freedom National, Auto-Owners, State Farm, Farmers, and Titan generally are classified as Cheap auto insurance companies in Arizona, and were cheaper than the state benchmark by about 33%. Depending on which part of Arizona you may live, the cheapest companies and rates will be different.
below are the top 20 Cheap auto insurance companies in Arizona by our sample drivers
|Rank||Auto Insurance Company||Average Annual Rates|
|9||Farm Bureau Mutual IA Group||$1,109|
Cheap auto insurance companies in Arizona options for these categories:
Drivers with one at-fault crash
Drivers with poor credit
Drivers with military connections
1. Cheap auto insurance companies in Arizona for good drivers
This ranges from drivers with no at-fault accidents, DUIs or moving violations, you should look into companies offering discounts that reward them for safe driving habits.
- GEICO – The price is $1,089/year and their website is https://www.geico.com/
- American Family Insurance – The price is $1,230/year and their website is https://www.amfam.com/
- State Farm – The price is $1,431/year and their website is https://www.statefarm.com/
2. Cheap auto insurance companies in Arizona for drivers with one at-fault crash
This plan is mainly for drivers with one at-fault crash. Causing a car accident no matter how minor it may appear leads to higher insurance prices and it also includes when you renew with your current company or find a new one. in this category, State Farm was the cheapest in this group, coming in at $1,718, which is about $143 per month.
American Family and Allstate came in second- and third-cheapest, respectively. Estimates in our analysis exceeded $3,000, showing it’s always best to shop around to know you’re getting the best rate possible.
- State Farm – The price is $1,718/year and their website is https://www.statefarm.com/
- American Family Insurance – The price is $2,143/year and their website is https://www.amfam.com/
- American Family Insurance – The price is $2,566/year and their website is https://www.allstate.com/
READ ALSO: Arizona auto insurance company
3. Cheap auto insurance companies in Arizona for drivers with poor credit
For drivers placed in the “poor credit” category
- GEICO – The price is $1,684/year and their website is https://www.geico.com/
- American Family Insurance – The price is $1,847/year and their website is https://www.amfam.com/
- Progressive – The price is $2,681/year and their website is https://www.progressive.com/auto insurance companies in Arizona see your credit as a very important useful indicator of future claims and it certain that they may charge more from those with poor credit in Arizona. The cheapest company in this category, Geico, charged $595 a year more than it did for good drivers with no credit issues.Rates exceeded $5,600 in our analysis for drivers with poor credit, showing it’s always smart to shop around for the best rate.
4. Cheap auto insurance companies in Arizona for drivers with a military connection
If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are good you’ll get a cheaper-than-average rate with USAA, an option that isn’t available to the general public. USAA offered the cheapest sample quote for every driver type listed above — often by a significant amount.
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5. Cheap auto insurance companies in Arizona for retired drivers
This category is For drivers in their mid- to late 60s who no longer use their car for commuting.
- GEICO – The price is $832/year and their website is https://www.geico.com/
- American Family Insurance – The price is $1,045/year and their website is https://www.amfam.com/
- State Farm – The price is $1,045/year and their website is https://www.statefarm.com/
Retired drivers can save more to young drivers who still drive more and this is because of their reduced time behind the wheel compared to younger folks who commute. We looked at rates for drivers in their 60s who drive half as much as those who commute.
Geico was the cheapest for drivers in this group, coming in at about $69 per month. American Family and State Farm rounded out the cheapest three, at $87 and $95 per month, respectively
in summary, Cheap auto insurance companies in Arizona is as follow;
|Drivers with one at-fault crash||State Farm|
|Drivers with poor credit||Geico|
|Drivers with military connections||USAA|
Minimum car insurance requirements in Arizona
Arizona drivers must carry liability insurance, which kicks in if you’re at fault in a crash to help cover others’ property damage and injury treatment.
The minimum limits you must select are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $10,000 property damage liability per accident
Keep in mind, a severe accident could easily leave you owing more than, say, $10,000 in repairs to another driver’s car. In that case, the remaining amount would have to come out of your hard-earned savings. For that reason, experts recommend getting more than the bare minimum, as well as common optional features such as collision, comprehensive and uninsured motorist coverage.
adapted from nerdwallet website.