The Bankrate editorial team, which includes three licensed insurance agents, analyzed rate data from Quadrant Information Services to determine how much car insurance costs in Arizona for various driver profiles. Having a driving incident, such as a speeding ticket, an at-fault accident, or a conviction for drunk driving, will likely increase your car insurance rates in Arizona. Not only are you helping to keep Arizona's roads safe, but you're also saving money on car insurance premiums. In Arizona, auto insurance companies may consider factors such as employment, residence status, and marital status when setting premiums.
Car insurance is a necessary expense if you drive, but trying to find the cheapest rates can be a slow process. Whether you just want liability coverage or you add comprehensive and collision insurance to your policy, it will largely determine if your rate is higher or lower than the average cost of car insurance in Arizona. Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills, and the crime rate in the city. Arizona drivers can find cheap car insurance “no deposit” or “no down payment”, but what it really means is that they only have to pay the first month's premium to get coverage.
It's essential for Arizona drivers to know the minimum car insurance requirements to meet legal requirements. The best high-risk auto insurance companies in Arizona are Geico, Country Financial and Auto-Owners because they offer the most competitive rates for high-risk drivers. For example, cars like Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. However, not all companies are right for all drivers, so it's important to consider your needs, risk profile and budget if you want to find the best car insurance company for you.