Age · Gender · Marital Status · Credit Score. Similarly, if you get a speeding ticket in Arizona, you'll likely see an increase in what you pay for car insurance by up to 35% when you renew your policy. Full-coverage auto insurance in Arizona is generally considered to be a combination of liability insurance, collision insurance, and comprehensive insurance. The averages for the default result are based on monthly insurance for a 30-year-old male driver, based on the minimum liability coverage required by the state.
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. This means that you can probably find great service and affordable rates for car insurance in Arizona. USAA, Progressive, State Farm and Travelers also typically offer affordable insurance rates in Arizona and offer drivers multiple coverage options. As you can see in the table above, you'll pay more for car insurance if you live in a big city like Phoenix.
You may also need to submit proof of future insurance to the Arizona Department of Motor Vehicles (MVD), usually an SR-22 certificate. When large numbers of drivers are not covered, car insurance rates increase due to increased risk on the road. Drivers with a speeding ticket or an accident on their record will pay more for insurance than those with a clean driving record. However, each insurer offers different prices, and what you'll pay depends on your age, driving history, location and credit rating.
An 18-year-old driver can expect to pay more than triple what a 30-year-old driver pays for minimum-liability car insurance. As drivers age, their car insurance premiums change, and young and teen drivers pay higher rates than experienced drivers. Start your search for the best car insurance policy in Arizona by collecting quotes from several insurers for comparison. We recommend buying car insurance with full coverage rather than minimal coverage to ensure that you have sufficient protection in the event of a serious accident.
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.