What You Need to Know About Arizona Minimum Car Insurance

Table of Contents

  • Minimum Auto Insurance Coverage in Arizona
  • Arizona Auto Insurance Costs by Insurer
  • Arizona Auto Insurance Premiums by Driver Age
  • Arizona Car Insurance Premiums by Gender and Marital Status
  • Average Arizona Insurance Rates After A Violation or Accident
  • Arizona Auto Insurance Premiums by Credit Tier
  • Insurance Premiums in Arizona Cities
  • Insurance Companies in Arizona

    Arizona State Minimums are quite low; because of this, it’s recommended that drivers are covered above state minimums. Minimum coverage can leave you at risk of having to cover some costs out of pocket. Arizona requires proof of insurance equal to or exceeding the state minimums prior to registering a vehicle and that drivers carry proof of insurance while driving. Read on for everything you need to know about Arizona minimum car insurance.

    Minimum Auto Insurance Coverage in Arizona

    Arizona’s State Minimums are:

    • $25,000 Bodily Injury Liability per person
    • $50,000 Bodily Injury per accident
    • $15,000 Property Damage Liability.

      These three numbers are limits paid out to another person when you’re at fault in an accident. This is known as a split limit as it lists the limits of three separate coverage types. To show proof of financial responsibility through insurance, you must maintain two types of coverage:

      • Bodily Injury: which pays for bodily injury to others that you are legally responsible for and,
      • Property Damage: which covers the damage you cause to the property of others.

        Arizona Auto Insurance Costs by Insurer

        Auto insurance in Arizona is relatively cheap. According to The Zebra, the average auto insurance cost in Arizona is $1,247 annually — 12.6 percent less than the US average. Arizona drivers pay $1,400 per year for full coverage on average and just under $600 per year for minimum coverage.

        The cheapest auto insurers in Arizona on average are:

        • Noblr: $324/year
        • Root: $420/year
        • Geico: $516/year
        • Safeco: $540/year
        • Clearcover: $552/year

          Arizona Auto Insurance Premiums by Driver Age

          Young drivers often have less experience driving than older drivers, which results in young people being charged higher rates by insurers. As someone ages, their premiums are usually lowered. This is if they haven’t been in an at-fault accident or another violation. Premiums for Arizona drivers under 30 years old are:

          • 16 : $6,278.78
          • 17: $5,672.25
          • 18: $4,938.33
          • 19 : $2,919.05
          • 20s: $1,579.72

            After the age of 25, most drivers see their auto insurance premiums drop significantly. Insurers find people over the age of 25 are more reliable as customers. This is because the insurance companies believe older individuals to be more experienced drivers and are more financially stable. These are the rates for middle-aged drivers in Arizona:

            • 30s: $1,160.93
            • 40s: $1,109.32
            • 50s: $1,025.45

              Though driver’s premiums lower after 25, driver’s premiums often increase when entering their senior years from 55-65. This is because insurers view older drivers as riskier to cover than younger drivers. The rates for Arizona senior drivers are:

              • 60s: $1,076.14
              • 70s: $1,374.51

                Arizona Car Insurance Premiums by Gender and Marital Status

                In some states, gender can affect your auto insurance rates. States like Massachusetts, Hawaii, North Carolina, California, Montana and, Pennsylvania do not change rates based on gender, but Arizona does. Wallethub says Women can expect to pay up to 3 percent more than men in Arizona.

                Another thing that may affect your auto insurance rates is your marital status. This is because some insurance companies consider married people to be more financially stable. Married people in Arizona pay up to 6 percent less than single people. Premiums for different marital statuses are:

                • Single: $1,180.42
                • Married: $1,089.35
                • Divorced: $1,180.42
                • Widowed: $1,157.80

                  Average Arizona Insurance Rates After A Violation or Accident

                  Traffic violations and at-fault accidents will almost always increase your insurance rates. Even one minor at-fault accident can increase auto insurance payments by $628.55 per year. At-fault accidents stay on your record for three to five years, so you can expect your insurance rates to be affected for at least three years. Other infractions might affect your insurance rates for longer. The rates for common violations are:

                  • DUI: $2,062.57
                  • Reckless Driving: $2,756.46
                  • At-Fault Accident: $1,875.62
                  • Open Container: $1,967.76
                  • Speeding: $1,810.51

                    Arizona Auto Insurance Premiums by Credit Tier

                    Insurers use credit scores to determine how reliable a customer will be. Insurers have found that customers with higher credit scores file fewer claims, thus costing the insurance company less overall. Insurers will charge a customer with a higher credit score less because of this. The premiums for each credit tier is:

                    • 300-579: $2,443.66
                    • 580-669: $1,915.90
                    • 670-739: $1,529.22
                    • 740-799: $1,238.79
                    • 800-850: $1,024.30

                      Insurance Premiums in Arizona Cities

                      Many factors determine why some cities have higher premiums than others. Cities with narrow or overcrowded roads or those with many corners that reduce visibility are more likely to see more accidents. Poorly placed or missing signals and the amount of rain and snow in certain areas can affect insurance premiums. Here are some of the cities in Arizona with the highest premiums.

                      • San Tan Valley: $1,153
                      • Scottsdale: $1,167
                      • El Mirage: $1,176
                      • Tempe: $1,199
                      • Laveen: $1,201
                      • Mesa: $1,209
                      • Queen Creek: $1,225
                      • Peoria: $1,234
                      • Glendale: $1,272
                      • Phoenix: $1,403

                        Cities with wide roads, lower crime rates, and a less dense populace will see a reduction in insurance premiums for their city. Road aggression and even natural disasters can increase insurance premiums in an area. These are the cities with the lowest premiums in Arizona:

                        • Lake Havasu City: $778
                        • Sierra Vista: $782
                        • Kingman: $788
                        • Flagstaff: $810
                        • Bullhead City: $822
                        • Prescott Valley: $822
                        • Prescott: $829
                        • Yuma: $893
                        • Florence: $949
                        • Casa Grande: $957

                          Insurance Companies in Arizona

                          There are many insurance companies in the state of Arizona. Some of these include Noblr, Root, Geico, Safeco, Clearcover, CSAA, Auto Owners, ACCC Insurance, Travelers and, QBE. If you are interested in an auto insurance quote, you can get Arizona car insurance quotes online.

                          Remember, when you’re shopping for insurance, doing your research is important. Finding the right minimum insurance for you can save you thousands in rates, premiums, and liability costs.

                          Sources:
                          https://www.thezebra.com/auto-insurance/arizona-car-insurance/state-laws-az/

                          https://www.safestreetinsurance.com/arizonas-minimum-limits-for-auto-insurance-increases/

                          https://insurance.az.gov/consumers/help-auto-insurance

                          https://azdot.gov/motor-vehicles/vehicle-services/vehicle-insurance-information

                          https://www.geico.com/information/states/az/#

                          https://wallethub.com/cheap-car-insurance/arizona

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