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Carol Pope is an insurance writer for Bankrate and, before joining the team, she worked as an auto insurance agent for 12 years. During this time, he sold, serviced and underwrote auto insurance for people across the country. He also has experience selling supplementary coverage, such as supplementary insurance. Amelia Buckley is an insurance editor covering auto, home and life insurance.
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Bankrate's insurance editorial team includes three licensed agents with decades of combined experience who help thousands of people across the country make informed decisions about their insurance needs. We know that insurance can be complicated, but we're here to help our readers discover the network of auto insurance quotes and options in Arizona. To achieve this goal, we have conducted a comprehensive study of auto insurance in the Grand Canyon State. First, we found that Arizona's average annual premium for full coverage is about 10 percent lower than the national average.
We also learned that compared to its neighbors, Arizona is cheaper than California, but more expensive than Utah. In addition, Phoenix's average car insurance premiums tend to be higher than other Arizona cities. Founded in 1976, Bankrate has a long history of helping people make smart financial decisions. We have maintained this reputation for more than four decades by demystifying the financial decision-making process and giving people confidence in the actions to take next.
Our insurance team is comprised of agents, data analysts and customers like you. They focus on the points that consumers are most concerned about: price, customer service, policy features and savings opportunities so you can be sure which provider is right for you. These are sample rates and should only be used for comparison purposes. Answer a few questions to see personalized rates from major carriers.
Read the full review of Geico Insurance Read the full review of Progressive Insurance Read the full review of Travelers Insurance Read the full review of Nationwide Insurance To find the best car insurance in Arizona, the insurance experts at Bankrate developed their own Bankrate score to help rate companies based on factors such as customer service ratings, financial strength ratings, policy options and discounts, and more. We also reviewed the average premium data from Quadrant Information Services to see which companies offered excellent coverage at a reasonable price. Location is a major factor affecting state rates, as each state, and even each city within the state, could have a different crime rate, cost of living, average cost of repair, and more. For example, California's average rates could be higher than those in Arizona due to a higher population density, leading to a higher prevalence of car accidents.
Utah could be cheaper for the same reason: a lower population density, which would reduce the risk of car accidents. In addition, Los Angeles is the second largest city in the country, which may skew average rates for California as a whole. Each provider offers different car insurance rates depending on several factors, such as your driving history, geographical location, age, occupancy, and the type of vehicle you drive. If you want to get the best car insurance, you can consider taking the following steps.
While buying only minimal liability can keep your premiums low, you could face financial problems if it causes an accident. If the damages from that accident exceed your insurance limits, you will be responsible for paying the excess out of pocket. Most insurance experts recommend that you purchase higher limits of liability if you can:. The minimum coverage doesn't provide any physical damage coverage for your vehicle.
If you want personal insurance coverage for damage to your car, you'll need full coverage, including optional comprehensive coverage and collision coverage. If you have a loan or lease for your vehicle, your financial institution will likely require that you have full coverage. You can also take out term insurance, which is designed to pay the difference between the cash value of your new vehicle and the amount of your loan or lease if the vehicle is destroyed or stolen. To find the best car insurance for your needs, you can identify which coverage options, add-ons, and discounts are most appealing to you.
Each car insurer offers different types of coverage and discounts, so knowing what factors are most important to you could help you find a company that fits your needs. If you're considered a high-risk driver, for example, you may need to look for companies that offer high-risk car insurance. Or if your policy includes a teen driver, you might want to look for a company that offers competitive discounts on car insurance for teen drivers. One of the best ways to find cheap car insurance in Arizona can be to get personalized quotes from several providers to compare options.
Auto insurance companies have different processes for determining your premium, so rates can vary, sometimes significantly, from company to company. For example, one company may give more importance to your driving record, while another company may give more importance to your claim history. By analyzing average rates, our team found that the cheapest car insurance companies in Arizona are Geico, Mercury, Travelers and Esurance. Arizona does not require vehicle owners to purchase coverage for uninsured or underinsured motorists.
However, the state requires auto insurers to offer these types of coverage, and it's up to the driver to accept or decline them in writing. Insurance companies generally recommend these options because of the additional financial protection they offer. If you are hit by a person who doesn't have insurance or doesn't have enough insurance to cover your damages, coverage options for uninsured or underinsured motorists are designed to pay for your injuries and property damage. Some Arizona cities have cheaper car insurance premiums than others because insurance companies consider the driver's zip code when calculating their premium, as well as other factors.
This table shows the estimated rates for different cities in Arizona, based on the profile of a 35-year-old driver with good credit and a clean driving record. In addition to rates, Bankrate's insurance editorial team analyzed customer satisfaction scores issued in J. To find the best car insurance in Arizona, Bankrate insurance experts developed a patented Bankrate Score to help evaluate companies based on factors such as customer service ratings, financial strength ratings, policy options and discounts, and more. This study revealed that Geico, State Farm, Progressive, Travelers and Nationwide are among some of the best auto insurance companies in Arizona in a variety of scenarios.
In addition to factors such as the car you drive, your driving history, and annual mileage, Arizona auto insurance companies can also consider your age, gender, and location within the state. There are a number of car insurance qualifying factors that insurance companies can use when calculating their premium. SmartMiles, a pay-per-mile insurance program, could help Arizona residents who drive less than average save on their car insurance. USAA, Progressive, State Farm and Travelers also typically offer affordable insurance rates in Arizona and offer drivers multiple coverage options.
The Guides Auto team has researched the best auto insurance companies in the country to find you the cheapest car insurance options in Arizona. At-risk drivers who have received a ticket for speeding, driving under the influence of alcohol, or a recent accident can pay much more for car insurance. However, your medical and car bills aren't covered if you have an accident or collide with a stationary object. .