Find Cheaper Car Insurance Rates in Arizona 2023

Cost and performance of the vehicle you are insuring is a significant factor in finding cheap car insurance in Arizona. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more modest models. The information below presents car insurance costs for a selection of the most economical automobiles to insure.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can influence premium rates significantly.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle location which can impact coverage prices considerably.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Arizona location which can affect premium rates greatly.

Deciding which insurers offer the best car insurance rates in Arizona will require a little more effort in order to find a policy that fits your budget.

Each insurance company uses a different method to set policy rates, so let’s take a look at the most budget-friendly car insurance companies in Arizona. It’s important that readers know that Arizona car insurance rates are impacted by many things that control the price you pay. Simply having another birthday, buying a new vehicle, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be more affordable than the competition.

 

The Hartford may have some of the cheapest car insurance rates in Arizona at around $811 each year. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the cheapest Arizona car insurance companies.

In the above rates, if you currently have a policy with Auto-Owners and switched to The Hartford, you may see savings of upwards of $104. Customers with Travelers might save as much as $308 a year, and USAA policyholders might lower prices by up to $313 a year.

To find out how your current rates compare, click here to get quotes or click several companies below for low rates.

These premium estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a price decrease in Arizona. So the car insurance company that can offer the best rates for your situation may not even be in the above list. That points out the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

For drivers in Arizona, one of the more important criteria that are looked at to determine auto insurance rates is where you normally keep your vehicle in Arizona. Areas with more people or higher crime rates like Phoenix, San Tan Valley, and Tempe will most likely have higher rates, whereas areas with less congestion have the luxury of cheap car insurance in Arizona.

The next table ranks the highest-priced places in Arizona to purchase auto insurance in.

Information shown are estimated as specific Arizona garaging address can affect coverage rates noticeably.

Car insurance companies ranked

Insuring your vehicle with a good quality car insurance provider is hard considering how many choices you have in Arizona. The rank data shown below may help you decide which providers to look at when comparing rates. These rankings are only made up of the largest companies in America, so companies without a large exposure are not factored into the list.

Top 10 Major Auto Insurance Providers in Arizona Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. State Farm
7. AAA Insurance
8. Mercury Insurance
9. Nationwide
10. Allstate

The information below shows how different deductible levels can impact insurance premiums when searching for cheap insurance in Arizona. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

A 30-year-old driver could cut expenses by $236 a year by switching from a $100 deductible to a $500 deductible, or save $358 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could potentially save $508 or even more by using a higher deductible. When choosing a higher deductible, it is essential to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Rate comparison of full coverage and liability-only

Finding cheap car insurance in Arizona is important to the majority of vehicle owners, and one easy way to buy cheap insurance is to not buy full coverage. The diagram below compares insurance rates when comparing full coverage to liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.

Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,681 per year over having just liability coverage. That amount may make you wonder if buying full coverage is a waste of money. There is no definitive rule that is best for determining when to drop full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Why you should shop around

Arizona car insurance rates are determined by lots of factors that may substantially change the cost of your policy. Improving your credit rating, moving to a new city, or getting a driving violation can cause premium changes that can make some companies cheaper than competitors. Not only that, but insurers change their prices as often as every three months to ensure their profitability. Higher than normal claims can cause increased rates, while profitable underwriting can produce cheaper Arizona car insurance rates.

To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in Arizona for a 30-year-old female driver with a clean driving record, no accidents, and solid credit. When comparing rates based on her personal risk profile, The Hartford might offer the cheapest car insurance rates in Arizona at $836 a year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining top five cheapest Arizona auto insurance companies.

The example below compares rates after we give the driver in the first chart a couple of claims, slightly worse credit, and a traffic citation. Since each insurance company uses a different method to set their prices, comparing prices will most likely result in a substantially altered list of the cheapest car insurance companies in Arizona as shown below.

GEICO now has the lowest car insurance rate in Arizona with Allied, Ameriprise Group, CSAA, and Safeco now being in the top five. This example illustrates why it is so important to spend some time comparing rates when trying to find the best auto insurance quotes in Arizona. Prices can be altered by many different factors and can change without notice, so the most affordable company the last time you checked may now be quite expensive.

Use our FREE quote tool to compare insurance rates now!