August 14, 2022
  • August 14, 2022

2021 Best Cheap Auto Insurance In Arizona

By on September 28, 2021 0


To legally drive in Arizona, you must have auto insurance. But if you’re short on funds, finding the cheapest auto insurance in Arizona can be a challenge. Here we will share the best auto insurance companies for affordable auto insurance.

  1. The cheapest for typical drivers: Geico
  2. The cheapest for the military: Geico
  3. The cheapest for teenage drivers: Geico
  4. The cheapest for drivers with a speeding ticket: Geico
  5. The cheapest for drivers looking for minimum coverage: Geico

The cheapest for typical drivers

When it comes to cheap car insurance in Arizona, Geico is the big winner across the board. For example, with an average annual rate of just $ 838 for drivers with clean criminal records, Geico is hard to beat.

Although there is no “close second”, these companies are in competition with each other:

  • Progressive, with an average rate of $ 1,355
  • Nationally, with an average rate of $ 1,415
  • USAA, offering an average rate of $ 1,604 to military personnel and their families

The cheapest for the military

One way insurance companies thank the military for their service is by offering affordable auto insurance. The cheapest average annual rate for members of the military is $ 754, from Geico.

In second and third place are:

  • Progressive, with an average rate of $ 1,127
  • Nationally, with an average rate of $ 1,423

The cheapest for young drivers

You may feel like your heart is on the road when your teenager is behind the wheel of a car. It is undeniable that insuring a teenager is expensive because of his lack of driving experience. Again, the best Arizona auto insurance for drivers looking for a low rate is Geico. While its average annual rate of $ 2,000 (or $ 167 per month) may seem expensive, it’s considerably more affordable than rates offered by other Arizona auto insurance companies.

The following Geico are:

  • Farm Bureau, with a rate of $ 3,706
  • American Family, arriving with an average rate of $ 4,073

The cheapest for drivers with a speeding ticket

One speeding ticket can shake your record enough to drive up your fares. With an average annual rate of $ 976, Geico is relatively forgiving.

Although more expensive than Geico’s, second and third place auto insurance quotes for Arizona drivers with a single speeding ticket come from these companies:

  • Nationally, with an average rate of $ 1,735
  • Progressive, with an average rate of $ 1,826

Cheaper for drivers looking for minimal coverage

If you’re asking how much Arizona auto insurance costs for minimum coverage, Geico is also the winner for cheap liability insurance. With an average annual rate of $ 395, Geico gets it on the road with minimum legally mandated auto insurance coverage in Arizona.

Other contenders include:

  • USAA, with an average rate of $ 544
  • Self-owned, offering an average annual rate of $ 564
  • Progressive, with an average rate of $ 594

Average Cost of Auto Insurance in Arizona Compared to National Average

Arizona’s overall average auto insurance rate is $ 2,668, almost the same as the national average of $ 2,646. The best auto insurance companies in Arizona tend to keep their rates close to or lower than the national average.

Arizona Auto Insurance Laws

Arizona’s auto insurance laws are clear. Any driver caught driving without insurance faces:

  • First offense: $ 500 fine; 3-month suspension of driver’s license, registration and number plate; and must carry an SR-22 certificate (see below) for two years.
  • Second offense: $ 750 fine; 6 month suspension of driver’s license, registration and number plate; and must carry an SR-22 certificate for two years.
  • Third and subsequent offenses: $ 1,000 fine; One-year suspension of driver’s license, registration and number plate; and must carry an SR-22 certificate for two years.

An SR-22 certificate is sometimes referred to as “SR-22 insurance”. Here’s how it works: The court requires a driver to prove that he has purchased an auto insurance policy. After this policy purchase is complete, the insurance company files an SR-22 certificate with the Arizona Department of Motor Vehicles (DMV). The filing fee for an SR-22 – currently between $ 15 and $ 35 – is added to the price of the insurance policy.

Arizona minimum coverage requirements

To legally drive in Arizona, drivers must wear at least:

  • Liability coverage for bodily injury of $ 15,000 per person and $ 30,000 per accident
  • $ 10,000 property damage civil liability coverage

Coverage is required not only for automobiles, but also for golf carts, mopeds and motorcycles.

How To Get Cheap Auto Insurance In Arizona

High credit score

While this may seem insane at first glance, insurers base your rate offer in part on your credit score. Drivers with low credit scores can sometimes lower their auto insurance rates if they increase their credit score.

Blank folder

Naturally, drivers with cleaner records often receive lower Arizona auto insurance quotes.

Discounts

When looking for low cost auto insurance, it can be helpful to identify the discounts you may be eligible for. Here is a sample of the types of discounts offered by the best insurance companies:

  1. Good student discount
  2. Defensive driver discount
  3. Pay in full discount
  4. Discount outside of school
  5. Professional discount
  6. Alumni discount
  7. Professional organization discount
  8. Discount on safety function
  9. Discount based on usage
  10. Multi-car discount
  11. Multi-policy discount
  12. New car discount

Other things to consider when looking for auto insurance in Arizona

Drivers may find that the best place to look for a cheap auto insurance rate is the insurance company they are currently relying on to provide other types of coverage, including life insurance and home insurance. . This is because most insurers offer “bundled rates” in an attempt to keep a client’s business in one place. Bundling is generally available regardless of the type of auto insurance coverage a driver seeks.