Full coverage car insurance in Arizona costs an average of $1,810 per year, while the state-required minimum liability auto insurance comes in at an average of $587 per year. These costs are slightly lower than the average cost of auto insurance for the nation ($2,014 full coverage and $622 minimum liability).
Your car insurance cost in Arizona depends on many factors, especially your driving history and age. Everybody pays a different amount, since car insurance quotes are based on unique qualities. The cheapest rates in Arizona are reserved for those with blemish-free driving records who are old enough to be considered responsible and who take advantage of discounts.
What Is the Average Premium for Cheap Full Coverage Car Insurance in Arizona?
The average premium for the cheapest full coverage car insurance in Arizona is around $159 per month. The quote for your vehicle may differ based on factors like your driving history, number of claims, and the area where you live. If you have a less-than-perfect driving history, then rates can be higher, while your rates can be lower if you have a good driving history and some discounts applied to your premium. Costs can also be higher for high-risk drivers, such as young drivers, due to their limited driving experience and higher risk of accidents.
Full coverage car insurance consists of liability, collision and comprehensive insurance. If your vehicle is financed, your lender will require you to carry full coverage to protect their interest.
To know exactly how much you would pay, you should give as much information as possible to an auto insurance agent. Also, anything extra like a tire hazard protection program will make your premium higher in exchange for better on-the-road protection. While online forms can give you a good estimate of what you can pay, an in-person consultation will be able to assist you with additional discounts and options that you may miss when searching alone.
How Much Is It for Cheap Liability or the Minimum Required Car Insurance in Arizona?
For the cheapest minimum required liability auto insurance in Arizona, the most affordable rates are around $64 per month. These limits are lower than what a driver typically needs to be protected on the road in Arizona. Damages can easily exceed these costs, so it’s wise to ask for higher limits.
Since Arizona is an at-fault state, if you cause an accident your insurance will pay for injuries and damages caused to the other people in the at-fault accident – up to your insurance policy limits. It won’t pay anything for your injuries and damages. Since car repairs and medical bills are much higher today, if your insurance does not cover all the bills, you will be left paying out of pocket for the remainder – plus your own costs.
It’s also important to get protection against uninsured drivers with uninsured motorist insurance. Since one-fifth of Arizona drivers don’t carry auto insurance, this type of policy will protect you even when the at-fault driver is uninsured. In this case, spending more per month can save you money if you ever get into this type of situation.
How Do Rates Compare Across Major Cities in Arizona?
Rates across major cities in Arizona differ. Some cities are considered riskier due to the higher percentages of incidents that happen there per year, plus the number of personal injury lawsuits filed there every year. Your rates will reflect the risk factors of your location. Here are the average monthly rates in the state’s top cities.
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Arizona. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.