In the vast realm of adult responsibilities, acquiring auto insurance is a legal obligation and a prudent lifestyle choice. Regardless of where you live, every twist and turn on the road can be unpredictable, emphasizing the significance of being financially protected against unforeseen mishaps. While some may view car insurance as merely a mandatory checkbox in a long list of adulting tasks, others appreciate it as an essential protective layer against potential financial and legal consequences.
In the Grand Canyon State of Arizona, pursuing affordable car insurance is no different from other locales. Recent analysis showcases a surprising variance in car insurance rates. While the average annual cost of full coverage car insurance in Arizona hovers around $2,155, astute shoppers have secured policies as economical as $771 annually with companies like Noblr.
Furthermore, discerning drivers can find even more competitive options when considering minimum coverage, which averages $711 annually. Indeed, securing the right policy is not just about meeting legal mandates but about weaving a safety net that’s both comprehensive and affordable. Explore the secrets to securing the most competitive car insurance quotes in Arizona with Beem and get the best deal for your beloved possession.
In this blog, readers can anticipate a deep dive into Arizona’s most affordable car insurance options tailored for various age brackets. Our comprehensive guide aims to assist you in making informed decisions, ensuring that your choice aligns perfectly with your budget and needs.
What is the Cheapest Car Insurance in Arizona?
Navigating the diverse landscape of auto insurance in Arizona reveals a striking range of pricing options. Among the contenders offering minimum coverage policies, Mercury stands out with an economical rate of $339 annually, closely followed by auto-owners at $435 annually.
Conversely, The General, known for catering to high-risk drivers, emerges as Arizona’s priciest choice, demanding an average yearly premium of $1,445. For those unfamiliar with what Arizona’s minimum coverage entails, it includes property damage liability, bodily injury liability, and provisions for uninsured/underinsured motorists. This information aids in making a more informed decision based on budget and risk factors.
The following table demonstrates full coverage rates offered by different companies in Arizona for 30-59 age group drivers:
|Root Insurance Company
|Auto-Owners Insurance Co
Mercury emerges as the frontrunner, offering minimum coverage policies at a mere $339 annually. Not far behind is Auto-Owners, priced at $435 per year. On the other hand, while The General caters predominantly to high-risk drivers, it does so with a hefty price tag, demanding an average of $1,445 yearly. It’s essential to note that Arizona’s minimum coverage predominantly focuses on property damage liability, bodily injury liability, and uninsured/underinsured motorist provisions.
How We Chose the Cheapest Companies in Arizona
Our methodology was thorough and data-driven to ascertain Arizona’s most affordable auto insurance providers. We sourced the latest information from reputable entities like Quadrant Information Services and the Arizona Department of Insurance.
By analyzing this data, we were able to gauge the insurance landscape in Arizona and identify the most economical options tailored to diverse driver profiles. This systematic approach ensures our findings are accurate and reflect current market conditions.
Cheap Car Insurance in Arizona
Noblr stands out in the Arizona market, offering full coverage at an average of $771 annually or $64 monthly. In contrast, the state’s overall full coverage average is $2,155 yearly. Notably, for a 35-year-old driver with an impeccable record, Noblr’s minimum coverage rate goes as low as $278 per year.
Arizona Rates for Teen Drivers
Teen drivers often face higher insurance premiums due to inexperience on the roads. In Arizona, parents seeking coverage for their 17-year-old children might find the most cost-effective rates with Root. Females are quoted $1,728 annually, while their male counterparts see slightly higher rates at $1,887.
On the other end of the spectrum, Progressive tops the chart as the most expensive for teen drivers, demanding an average of $10,244 for females and a staggering $11,376 for males. Across the board, Arizona’s average insurance rate for teen female drivers is $5,370, with males averaging $6,231 annually.
Cheapest for 20-year-old Drivers
Venturing into adulthood, 20-year-old drivers often grapple with steep insurance rates owing to their limited road experience. While costs decrease as these drivers garner more time behind the wheel, initial prices can be daunting.
Despite the high starting point, certain insurers in Arizona have developed a reputation for offering competitive rates to this age group. A reasonable approach would be to gather multiple quotes, pinpointing the providers that extend the most favorable terms to younger drivers.
Cheapest Full Coverage Car Insurance in Arizona for 20-Year-Olds
For 20-year-olds maintaining unblemished driving records, several insurance companies in Arizona stand out with appealing full coverage rates. Leading the pack is Noblr, quoting an average of $1,383 annually. Following closely are QBE at $2,141, Auto-Owners at $2,281, Travelers at $2,616, and Farm Bureau Financial Services rounding off the top five with $2,640 yearly.
Cheapest Minimum Coverage Car Insurance in Arizona for 20-Year-Olds
Certain insurers offer particularly enticing rates for those content with just Arizona’s mandated minimum coverage. Noblr takes the lead at a mere $445 annually, with Travelers and QBE trailing with respective rates of $555 and $729 per year. Auto-Owners and ACCC Insurance also present viable options with annual premiums of $776 and $993, respectively.
Cheapest Auto Insurance in Arizona for 20-Year-Olds with Poor Credit
Poor credit can inflate insurance premiums, but some Arizona providers remain comparatively affordable. For minimum coverage, Noblr emerges as a top contender at $542 annually, shadowed by Travelers at $694. QBE, Root, and Allstate also offer reasonable rates at $1,404, $1,479, and $1,523 per year.
Cheapest Auto Insurance in Arizona for 20-Year-Olds with One Speeding Ticket
A recent speeding violation needn’t spell high insurance costs. Noblr offers an average rate of $497 per year for minimum coverage, with Travelers just a little behind at $628. Other competitive options include QBE at $1,020, ACCC Insurance at $1,108, and Root at $1,241 annually.
Cheapest Auto Insurance in Arizona for 20-Year-Olds with One At-Fault Crash
A recent at-fault accident can undeniably impact insurance premiums. Yet, several insurers remain relatively wallet-friendly for those seeking minimum coverage. Noblr tops the list with an annual rate of $540, followed by Travelers at $671. QBE, Auto-Owners, and Root also keep their rates competitive, charging $1,020, $1,202, and $1,276 annually.
Cheapest Auto Insurance in Arizona for 20-Year-Olds After a DUI
DUI violations substantially complicate the insurance landscape. However, certain Arizona providers still extend relatively affordable rates for minimum coverage post-DUI. Noblr remains a frontrunner at $518 yearly, succeeded by Travelers at $684. ACCC Insurance, Root, and Progressive also come into play, with annual rates of $1,054, $1,225, and $1,381, respectively.
Cheapest for 30-year-old Drivers
Reaching the age of 30 often signals a decline in car insurance premiums, but rates can still vary based on factors like driving history or the type of vehicle one drives. While these individuals often benefit from lower rates than younger drivers, they can further reduce costs by exploring multiple quotes and leveraging any available insurance discounts.
Cheapest Full Coverage Car Insurance in Arizona for 30-Year-Olds
In Arizona, 30-year-olds with impeccable driving records might find the most economical rates with companies such as Noblr, which charges around $65 monthly. Close competitors include Auto-Owners at roughly $99 a month and QBE at approximately $110 monthly. Other noteworthy options are Farm Bureau Financial Services and ACCC Insurance, charging close to $111 and $130 monthly, respectively.
Cheapest Minimum Coverage Car Insurance in Arizona for 30-Year-Olds
For Arizona residents in their 30s who prefer sticking to minimum coverage, Noblr emerges as a front-runner, costing about $23 monthly. Other top providers in this category include auto owners and Travelers, with monthly rates near $28 and $31, respectively. Companies like State Farm and QBE are also in the mix, offering policies around $40 and $41 per month.
Cheapest Auto Insurance in Arizona for 30-Year-Olds with Poor Credit
A low credit score can indeed hike insurance premiums. However, companies like Noblr offer competitive rates for full coverage at roughly $93 per month in Arizona. Other commendable options for those with credit challenges include QBE and Farm Bureau Financial Services, with their monthly rates hovering around $188 and $189, respectively. Travelers and Root are also viable options, pricing their services between $192 and $195 monthly.
Cheapest Auto Insurance in Arizona for 30-Year-Olds with One Speeding Ticket
A recent speeding ticket can dent one’s insurance rates. Yet, companies like Noblr offer encouraging rates for minimum coverage at an estimated $27 monthly in Arizona. Travelers and State Farm follow closely, with monthly premiums around $35 and $46. Farm Bureau Financial Services and Geico also come in at approximately $53 and $57 monthly.
Cheapest Auto Insurance in Arizona for 30-Year-Olds with One At-Fault Crash
A recent accident on record can significantly impact insurance rates. In Arizona, Noblr offers a more competitive full coverage rate for such drivers, charging about $89 monthly. Auto-Owners and QBE are also worth considering, with their monthly rates positioned around $135 and $159. Other potential choices include State Farm and Travelers, which offer services for about $163 and $172 monthly.
Cheapest Auto Insurance in Arizona for 30-Year-Olds After a Dui
Post-DUI, insurance rates inevitably rise. In Arizona, however, Noblr provides a reasonable full coverage rate of around $86 monthly. ACCC Insurance and Root offer services at approximately $137 and $162 monthly. Meanwhile, Progressive and Auto-Owners round out the top choices with their monthly rates close to $166 and $170.
Cheapest for 40-Year-Old Drivers
By the time drivers hit their 40s, they often experience a welcomed decrease in insurance premiums. However, while they fare better than the younger age bracket, they still pay more than the seniors. Diversifying options by gathering various car insurance quotes is recommended to optimize savings. Furthermore, pay-per-mile insurance emerges as a potential alternative for those driving less frequently, offering rates based on the miles driven.
Cheapest Full Coverage Car Insurance in Arizona for 40-Year-Olds
Arizona stands out as a state where 40-year-olds can enjoy cost-effective full-coverage car insurance. With an unblemished driving record, several insurers offer competitive rates. For instance, Noblr provides an attractive yearly rate of around $740. Yet, companies like Auto-Owners and Farm Bureau Financial Services remain in contention, providing similar affordability.
Cheapest Minimum Coverage Car Insurance in Arizona for 40-Year-Olds
Several options present for Arizonians only looking to fulfill the state’s basic insurance requirements. Noblr, for instance, offers minimum coverage at just about $272 annually. However, auto owners and Travelers aren’t far behind, ensuring 40-year-olds have various choices to secure their vehicles.
Cheapest Auto Insurance in Arizona for 40-Year-Olds with Poor Credit
Bad credit can undeniably affect insurance premiums. Nevertheless, companies like Noblr offer solace at around $1,060 annually for comprehensive coverage in Arizona. Other options, such as Travelers and QBE, also offer competitive rates, making it essential for 40-year-olds with poor credit to research their choices thoroughly.
Cheapest Auto Insurance in Arizona for 40-Year-Olds with One Speeding Ticket
A speeding ticket can indeed cause a spike in premiums. However, several insurers in Arizona understand the occasional misjudgment. Noblr offers an appealing rate of about $316 annually. Travelers and State Farm are also lenient towards a solitary speeding ticket, presenting 40-year-old drivers with reasonably priced alternatives.
Cheapest Auto Insurance in Arizona for 40-Year-Olds with One At-Fault Crash
An at-fault accident can substantially alter insurance rates. Despite this, Arizona’s 40-year-olds have many options that don’t break the bank. With Noblr leading the charge at approximately $1,029 annually, other companies like Auto-Owners and State Farm also offer competitive rates, ensuring that a single mishap doesn’t become an enduring financial burden.
Cheapest Auto Insurance in Arizona for 40-Year-Olds after a DUI
Post a DUI, insurance premiums often skyrocket. In Arizona, however, several insurers provide relief. Noblr emerges as a beacon of hope with its reasonable annual rate of around $984. ACCC Insurance and Progressive also enter the fray, offering full coverage rates that won’t empty the wallet. Exploring these options is paramount for 40-year-olds with a DUI on their record.
Cheapest for 50-Year-Old Drivers
Reaching the age of 50 often brings the perk of lowered driver insurance rates. As these drivers approach their 60s, rates tend to decrease further, reflecting their matured driving skills. While their age is a definite advantage, drivers should remain aware that factors like gender and location can influence pricing. To ensure they’re getting the most competitive rate, using our comprehensive list as a starting point can be invaluable in shopping.
Cheapest Full Coverage Car Insurance in Arizona for 50-Year-Olds
For the 50-year-old Arizonians with a pristine driving history, several insurance options promise comprehensive coverage without a hefty price tag. Noblr, with its rate of approximately $685 yearly, is an attractive starting point. However, other insurers like auto owners and Farm Bureau Financial Services provide competitive rates, making Arizona a favorable state for such drivers.
Cheapest Minimum Coverage Car Insurance in Arizona for 50-Year-Olds
If sticking to Arizona’s bare minimum coverage requirements is the goal, then a handful of insurers provide budget-friendly options. At the forefront is Noblr, charging around $265 annually. Close competitors like auto owners and Travelers also offer rates that ensure drivers aren’t compromising their pocket for essential coverage.
Cheapest Auto Insurance in Arizona for 50-Year-Olds With Poor Credit
Despite a not-so-impressive credit score, 50-year-old drivers in Arizona need reasonable full coverage insurance choices. Noblr remains a frontrunner, proposing a rate near $976 yearly. Travelers and Farm Bureau Financial Services are also in the mix for those considering other options, ensuring credit is within the benefits of age and experience.
Cheapest Auto Insurance in Arizona for 50-Year-Olds With One Speeding Ticket
Speeding is an occasional blemish for even the best drivers. Recognizing this, several Arizona insurance providers still offer competitive rates for those with a recent ticket. Leading the race is Noblr at approximately $308 annually. However, Travelers and State Farm also present viable options, emphasizing the forgiving nature of specific insurance policies.
Cheapest Auto Insurance in Arizona for 50-Year-Olds with One At-Fault Crash
An isolated mishap doesn’t necessarily translate to unaffordable premiums in Arizona. Noblr maintains its competitive stance, offering around $970 annually for full coverage. Auto-Owners and State Farm also come into play, offering rates that don’t punish a singular mistake too harshly, reflecting the understanding that accidents can happen to anyone.
Cheapest Auto Insurance in Arizona for 50-year-olds After a DUI
DUIs can be daunting when considering insurance rates. Still, certain Arizona insurance providers offer some reprieve. Noblr, with a yearly rate close to $929, emerges as a prime choice. ACCC Insurance and Progressive, with their respective rates, also demonstrate that a DUI, while severe, doesn’t necessarily consign one to exorbitant insurance costs.
Cheapest for 60-Year-Old Drivers
For the seasoned drivers in their 60s, car insurance offers attractive rates compared to younger demographics. However, a slight uptick in rates can be anticipated as they age. Hence, diligently searching for the most affordable rates is crucial. Additionally, they should watch for senior-specific discounts, ensuring they’re making the most of their age bracket’s perks.
Cheapest Full Coverage Car Insurance in Arizona for 60-Year-Olds
For those 60-year-old Arizonians with unblemished driving records, an array of companies provide a blend of affordability and comprehensive coverage. Noblr emerges as a frontrunner, offering rates as low as $681 annually. ACCC Insurance and Auto-Owners also stand out, assuring that the beauty of Arizona isn’t the only reason for its residents to smile.
Cheapest Minimum Coverage Car Insurance in Arizona for 60-Year-Olds
If navigating the requirements of Arizona’s state minimum coverage is the goal, several providers have curated rates that are light on the pocket. Noblr again proves to be a strong contender with its $266 annual fee. With auto owners, Travelers, and Mercury in the race, 60-year-olds can have peace of mind without the hefty premiums.
Cheapest Auto Insurance in Arizona for 60-Year-Olds With Poor Credit
Credit score dips can be concerning, but they don’t necessarily spell doom for 60-year-olds seeking competitive insurance rates in Arizona. Noblr remains consistent with a fair offer of $968 annually. ACCC Insurance and Travelers also step into the spotlight, demonstrating that a credit score isn’t the sole determinant of insurance costs.
Cheapest Auto Insurance in Arizona for 60-Year-Olds With One Speeding Ticket
Occasional slips like speeding tickets are common, but they don’t necessarily have to translate to skyrocketing insurance costs. Noblr remains understanding with a rate of about $309 annually. Travelers and State Farm make their mark, ensuring a single ticket isn’t a deal-breaker.
Cheapest Auto Insurance in Arizona for 60-Year-Olds With One At-Fault Crash
An isolated road mishap shouldn’t necessarily overshadow the decades of driving experience under a 60-year-old’s belt. Noblr acknowledges this fact with a rate hovering around $965 yearly. Auto-Owners and ACCC Insurance also chip in, reminding drivers that accidents sometimes incur low costs.
Cheapest Auto Insurance in Arizona for 60-Year-Olds After a DUI
DUIs, while serious, don’t automatically sideline drivers from affordable insurance options in Arizona. Noblr continues its trend of competitive rates, offering about $924 yearly. ACCC Insurance and Progressive also make a case for themselves, assuring that a single misstep doesn’t have to lead to financial strain.
Cheapest for 70-Year-Old Drivers
At the age of 70, drivers might see a climb in their car insurance rates. However, affordability is still within reach if you’re proactive. By shopping around and comparing offerings from multiple insurers, there’s a good chance to snag competitive rates. Also, look for senior-specific benefits; some providers offer discounts to senior drivers who take a defensive driving course.
Cheapest Full Coverage Car Insurance in Arizona for 70-Year-Olds
Some insurers have especially appealing offerings for septuagenarians in Arizona, boasting pristine driving records. Noblr takes the lead with a yearly charge of $768. Close competitors include ACCC Insurance and Auto-Owners, ensuring that senior Arizonians are spoilt for choice when looking for comprehensive coverage.
Cheapest Minimum Coverage Car Insurance in Arizona for 70-Year-Olds
If meeting the bare essentials of Arizona’s state minimum coverage is your goal, several providers come with pocket-friendly packages. Noblr leads the pack yet again at an annual rate of $295. However, companies like Auto-Owners and Travelers must catch up, showcasing that you can have decent protection without breaking the bank.
Cheapest Auto Insurance in Arizona for 70-Year-Olds with Poor Credit
A shaky credit history doesn’t necessarily corner seniors into high insurance costs in Arizona. With Noblr offering packages at around $1,091 annually, affordable rates are very much attainable. ACCC Insurance and Travelers further enrich the selection pool, indicating that a subpar credit score is a manageable barrier.
Cheapest Auto Insurance in Arizona for 70-Year-Olds With One Speeding Ticket
A single speeding infraction isn’t the end of the world for 70-year-old drivers in Arizona. Noblr, with its average yearly rate of $339, seems to think so. Travelers and State Farm are also quite forgiving, ensuring that a small mistake doesn’t heavily dent your wallet.
Cheapest Auto Insurance in Arizona for 70-Year-Olds With One At-Fault Crash
One off-incident on the road doesn’t overshadow the decades of driving experience a 70-year-old might have. Noblr acknowledges this with its appealing rate of $1,059 per annum. Auto-Owners and State Farm offer competitive rates, suggesting that an isolated mishap doesn’t always mean astronomical insurance costs.
Cheapest Auto Insurance in Arizona for 70-Year-Olds After a DUI
A DUI is a grave offense, but it shouldn’t push seniors out of Arizona’s market for affordable insurance. Noblr stands out with a yearly rate of $1,012. ACCC Insurance and Progressive also have compelling offers, emphasizing that while DUIs are consequential, they don’t spell the end for affordable coverage.
How Much Is Full Coverage Car Insurance in Arizona?
Full coverage car insurance in Arizona encompasses liability protection and physical damage for your vehicle. Rates can vary based on factors like age and driving record. For instance, a 70-year-old might find rates as low as $768 annually with Noblr, but these figures can fluctuate based on individual circumstances and the insurer chosen.
Average annual car insurance rates in Arizona by company
Car insurance rates differ widely among providers in Arizona. For instance, for 70-year-olds seeking full coverage, Noblr offers an average of $768/year, while ACCC Insurance averages around $1,222. Auto owners, Farm Bureau Financial Services, and Travelers also have competitive rates. It’s crucial to compare quotes from multiple companies to find the best deal tailored to individual needs.
How Much Is Liability-Only Coverage Car Insurance in Arizona?
Liability-only coverage meets Arizona’s minimum state requirements and is typically more affordable than full coverage. For 70-year-olds, rates start at $295/year with Noblr. Other providers, like Auto-Owners and Travelers, also offer competitive rates for those seeking basic coverage.
Minimum car insurance requirements in Arizona
In Arizona, drivers are mandated to have liability insurance at the very least. This ensures they can cover costs for damages or injuries they might cause to others in an accident. Specific coverage amounts can vary, but meeting these minimums to drive legally within the state is essential.
Tips for How to Get Cheap Car Insurance in Arizona
To snag affordable rates in Arizona, start by shopping around and comparing quotes. Taking advantage of discounts, such as those for seniors or safe drivers, can also reduce costs. It’s also worth considering higher deductibles, maintaining a clean driving record, and inquiring about bundle packages or loyalty discounts with insurers.
No-fault insurance in Arizona
Arizona operates under a tort, or fault-based, system. It means the person responsible for causing the accident is liable for the damages. Having adequate liability coverage is essential to protect against potential financial consequences. Unlike no-fault states, there’s no requirement in Arizona to have Personal Injury Protection (PIP).
Navigating the car insurance scene in Arizona requires knowledge of state requirements and an understanding of individual needs. Whether seeking full coverage or just the basics, ample options are available. Use the Beem app to compare the best car insurance quotes from top insurance providers across Arizona and get the most suitable coverage for your needs. Arizona residents can secure coverage that offers protection and value by researching, comparing rates, and leveraging available discounts with the Beem app.
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Is car insurance required in Arizona?
Yes, car insurance is mandatory in Arizona. Every driver must have at least the minimum liability coverage to operate a vehicle in the state legally.
Which cars are required to be insured in Arizona?
All registered vehicles in Arizona are required to be insured. This includes personal cars, trucks, and motorcycles. Any vehicle operated on public roads should have at least the state-mandated minimum insurance coverage.
When should I get car insurance in Arizona?
It would help if you secured car insurance in Arizona before registering and operating your vehicle. It’s essential to maintain continuous coverage to avoid penalties and ensure protection in the event of an accident.
How much car insurance do I need in Arizona?
At a minimum, drivers in Arizona need liability insurance to cover potential damages or injuries they might cause to others. However, the exact amount varies, and it’s wise to discuss with an insurance agent to finalize the best coverage for your situation.
How much is car insurance in my city in Arizona?
Car insurance rates can vary by city in Arizona due to factors like traffic conditions, crime rates, and local regulations. To get an accurate estimate for your city, it’s best to request quotes from multiple insurers.
What happens if my car is not adequately insured in Arizona?
Driving without proper insurance in Arizona can result in penalties, fines, suspension of your license or registration, and potential legal consequences if involved in an accident.
Is Arizona a no-fault state?
No, Arizona operates under a tort or fault-based system. This means the person responsible for causing an accident is liable for the damages.
Do I need uninsured motorist coverage in Arizona?
While uninsured motorist coverage is not mandatory in Arizona, it’s highly recommended. It protects you if you’re involved in an accident with a driver who does not have insurance or sufficient coverage.
Is liability insurance required in Arizona?
Yes, liability insurance is a requirement in Arizona. It ensures drivers can cover costs for damages or injuries they might inflict on others in an accident.
Does Arizona accept digital insurance cards?
Yes, Arizona accepts digital insurance cards. Many insurers offer apps or online platforms where policyholders can access and display their insurance information via smartphones or other devices.
Is insurance expensive in Arizona?
The insurance cost in Arizona varies based on several factors, including the type of coverage, your driving record, and your vehicle. On average, some age groups, like 60 or 70-year-olds, can find rates as low as $768 annually, but these figures can fluctuate based on individual circumstances.
What’s the average cost of car insurance in Arizona?
The average cost of car insurance in Arizona depends on the coverage type and personal factors like age, driving history, and more. For instance, 70-year-olds might find total coverage rates at $768/year with Noblr. However, for a comprehensive picture, getting multiple quotes is advisable.