How Much Does Auto Insurance Cost in Arizona?

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Arizona is a popular vacation destination, which means roads can be busy with local and visiting traffic. This is especially of note if you are a resident, as more cars equates to an increased risk of being involved in accident. Maintaining the proper level of insurance is not only smart, it’s the law.

Arizona state law requires that you carry liability insurance. The minimum amounts of coverage are:

Insurance companies notify the Arizona Motor Vehicle Division of all new policies, policy cancellations, and non-renewals. If the MVD receives a cancellation or nonrenewal notice from your insurance company, it sends an inquiry to verify the status. You face suspension of your license and registration if you don’t have insurance. You then have to pay fees to reinstate these.

How Much Does Car Insurance Cost in Arizona?

Here is a breakdown of the average costs for car insurance in Arizona by county:

Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
La Paz$891$692$831$844$817
Santa Cruz$937$714$848$937$872

Tips to Save on Auto Insurance in Arizona

Many insurance companies in Arizona offer discounts to drivers. These discounts apply to:

Information on your credit report can affect your rate. State law dictates how insurance companies use the information. Most companies use an insurance score, which is different from a financial score. Insurance companies must notify you if they take action because of the information in your credit report. The best way to save on auto insurance is to use a car insurance comparison site like insuranceQuotes to get the most affordable price on your auto insurance policy in Arizona.

Arizona car insurance

Moving to Arizona: Important Information

If you move to Arizona, you are required to get an Arizona driver’s license and register your vehicle in the state. You must prove your age, identity, and that you can legally live in the United States to get a license. To register your vehicle in Arizona, your vehicle needs to pass an emissions test. You’ll also have to show proof of insurance.

Understanding Driving Laws in Arizona

Moving violations add points to your driving record based on the severity of the incident. The following chart shows what you can expect if you run afoul of the law.

Arizona reviews the driving records of all residents periodically. If you accumulate eight or more points within a 12-month period, you might have to attend Traffic Survival School or face a license suspension. That suspension remains in effect until you complete an application for reinstatement and pay the appropriate fines.

Frequently Asked Questions About Arizona Auto Insurance

Why would your rates increase if you’ve had no accidents?

Premiums are a reflection of the country or statewide pool of losses for all insurers. Increases in costs to repair and replace vehicles and other property result in higher premiums.

Should you shop around for insurance?

You’ll want to compare price quotes from several different companies, as prices often vary greatly. Companies have different underwriting criteria and may specialize in low risk or high risk drivers. This ensures you get a good rate for the policy you want.

What should you get outside of the legally required coverage?

If you lease or finance your car, your lender may require collision and comprehensive auto coverage. This covers your vehicle for damages in the event of an accident. Even if you own your car outright, this coverage is a good way to protect yourself from potential financial disaster.

Can I carry electronic proof of insurance on my smartphone?

Yes. Arizona is among a majority of states that allow electronic proof of auto insurance at traffic stops. You simply have to have your insurance provider’s app downloaded onto your smartphone. You can also keep a PDF of your policy on your handheld device.

How to Get Great Rates on Arizona Auto Insurance

Finding an auto insurance quote can seem overwhelming – but helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual. connects you with local and national insurance companies that give you free quotes on car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Arizona Auto Insurance Resources

Arizona Department of Insurance

Consumer resources, agent information, and more

Arizona Auto Insurance Laws

Arizona’s Consumer Guide to Automobile Insurance

Arizona Department of Transportation, Motor Vehicle Division

Online services pertaining to driver’s licenses, vehicle registration, personalized plates, and voter registration

Arizona Cell Phone Driving Laws

Can you talk and drive in Arizona? Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.