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Best Cheap Car Insurance in Arizona for 2016

Cheapest Car Insurance in Arizona

If you’re looking for cheap car insurance quotes in Arizona, shopping around is key. Rates fluctuate from one company to the next, and based on personal factors such as age, ZIP code and credit history. 

It’s a lot to keep track of, but NerdWallet has done the hard part for you. We tested rates from the seven largest insurers in the state and found the cheapest options for these categories:

Also in this article:

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

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The average for good drivers among the three cheapest companies was $976 a year. Geico scored average rates well below that and is one of the most well-known names in the industry.

Cheapest for young drivers

For drivers in their early 20s.

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Young drivers can often get by with less coverage than many others on the road, as those in their early 20s usually don’t have fancy cars, pricey assets or large families to protect.

Cheapest for families with one teen driver

For middle-aged couples with one teen driver.

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Teens bring more accident risk to their parents’ policy — and usually higher premiums. Those who qualify for the military-affiliated USAA are in luck, as their average rates were more than $2,000 a year lower than the next closest competitor. With rates going over $16,000 on the high end of our study, all parents should compare as many estimates as possible to avoid getting a raw deal. Also look for discounts aimed at teen drivers, like those for getting good grades or attending school away from home.

For drivers placed in the lowest credit tier as determined by the industry.

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Insurers see your credit as a useful indicator of future claims and may charge more from those with poor credit. Arizonans are definitely not immune to these increases. The cheapest company in this category — Geico — charged over $400 a year more than it did for good drivers with no credit issues.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.

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Retired drivers can bank savings thanks to their reduced time behind the wheel. This group scored relatively cheap car insurance in Arizona in our test.

Cheapest for drivers with a military connection

Get a quote USAA is available only to active military members, veterans and their families.

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are good you’ll get a cheaper-than-average rate with USAA, an option that isn’t available to the general public. USAA offered the cheapest sample quote for every driver type listed above. USAA customers also benefit from the insurer’s top-rated customer service.

Minimum car insurance requirements in Arizona

Arizona drivers must carry liability insurance, which kicks in if you’re at fault in a crash to help cover others’ property damage and injury treatment.

The minimum limits you must select are:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Keep in mind, a severe accident could easily leave you owing more than, say, $10,000 in repairs to another driver’s car. In that case, the remaining amount would have to come out of your hard-earned savings. For that reason, experts recommend getting more than the bare minimum, as well as common optional features such as collision, comprehensive and uninsured motorist coverage.

Check out NerdWallet’s guide to state car insurance requirements for help understanding and improving your Arizona policy.

Alternative car insurance in Arizona

Arizona is one of several states that form the Western Association of Automobile Insurance Plans (WAAIP). High-risk drivers who are denied coverage through the open market can seek car insurance through WAAIP’s network of insurers.

Try our handy comparison tool to view rates from top companies side by side and possibly save hundreds on your premium.

And in case you missed anything, here’s a summary of where you’ll find the cheapest insurance, by category:

METHODOLOGY

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with liability limits of $100,000 per person, $300,000 per accident and $50,000 in property damage (100/300/50). Uninsured motorist coverage limits were set at 100/300. We used a 2012 Toyota Camry in all cases.

To test rates for families with teen drivers, we requested quotes for a 46-year-old female and 47-year-old male with a 16-year-old son. Our sample retired driver was 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates — your own rates will differ.

Alex Glenn is a staff writer for NerdWallet, a personal finance website. Email: aglenn@nerdwallet.com


Category: Auto Insurance

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