Best Car Insurance in Arizona for 2025 [Your Guide to the Top 10 Companies]

The best car insurance in Arizona are State Farm, Geico, and Progressive because of its affordable full insurance coverage, low complaint level, and AM best rating, which is essential when talking about the best car insurance providers.

Moreover, these companies provide a variety of options, add-ons, and discounts for its valued customers. Most especially, they have strong financial stability to cover and process claims anytime a customer needs it. Wherever you are in the state, you can get your quote comparison anytime.

Our Top 10 Company Picks: Best Car Insurance in Arizona

This guide will offer you more options for the best company that you think is tailored to your needs while extensively explaining the pros and cons of each provider. For easier quotes, use our free online tool to get it in just a few clicks.

1 – State Farm: Best for Overall Service

Pros

• Wide Coverage Options: This car insurance in AZ includes liability and collision costs, uninsured/underinsured motorists, and several add-ons.
• Strong Financial Stability: Known for its fast pay claims processing.
• Competitive Rates and Customizable Policies: The State Farm policies are considered affordable for low-risk drivers, and coverage can be customized according to the drivers’ needs.
• Extensive Discounts: Some discounts, like safe-driving savings, multiple vehicle discounts, bundle policies, and vehicle safety features, are offered.
• Customer-friendly Agents: In-person assistance and support are easily accessible from the local agent networks.

Cons

• Rate Variability: Significant differences based on location, credit score, and driving history can cause the price to fluctuate.
• High-risk Drivers Rates: Its premium is less competitive considering the accidents and violations of the driver.
• Discount Requirements: Some conditions must be met to avail of some discounts, such as bundling home and car insurance or using the Drive Safe and Save program.
• No Online Policy Customization: Requires in-person agent when adjusting major coverage.

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2 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: It had the lowest premiums, especially for low-risk drivers.
• Efficient Digital tools: It used a highly rated mobile app, and easy-to-navigate online portals for processing claims and policy management.
• Wide Discounts: Provides savings for safe driving, good students, multi-policy bundling, and military personnel.
• Efficient Claims Process: Geico customers had the best and most straightforward claims procedure.

Cons

• Limited Local Agent Support: It depends more on digital and online interactions as fewer in-person agents are available.
• High-Risk Drivers Higher Rates: Prices are less competitive for drivers with bad credit or poor records.
• Fewer Personalized Options: Discounts and policies are less tailored than those with local agents, and gap insurance is unavailable for financed or leased cars.

3 – Progressive: Best for Innovative Tools

Pros

• Unique Customer Tool: It has a tool called The Name Your Price Tool that detects the best policies and budget-wise rates for customers with varied needs.
• Flexible Claim Handling: Features a convenient digital app and a 24/7 claims service.
• Competitive High-risk Driver Rates: Affordable rates for drivers with accidents and violations than other companies.
• Broad Coverage Policies: Provides standard policies alongside add-ons like rideshare coverage, gap insurance, and custom parts coverage.

Cons

• Rate Variability: Premiums significantly fluctuate according to individual factors.
• High Snapshot Risk: Usage-based discounts through Snapshot may increase if driving habits are deemed risky.
• Lower Customer Satisfaction: Compared to competitors, scores slightly low on claims satisfaction and customer service.

4 – USAA: Best for Military Car Insurance 

Pros

• Exclusive Focus: Best offers for military members, veterans, and their families.
• Exceptional Customer Service: USAA had consistently high rates for claims processing and overall satisfaction.
• Comprehensive Coverage and Discounts: Discounts for military garaging during deployments, savings for safe driving, good students, and more.
• Competitive Rates: Provides affordable premiums to those who qualify.
• High Financial Strength: This ensures reliability in claim payments.

Cons

• Eligibility Restrictions: This is limited to military members, veterans, and eligible families, excluding the general public.
• Rates for Non-Military Risks: Rates may be higher for non-military-related cases or younger drivers.
• Premium Increase over Time: Some customers reportedly experience an increase over time, particularly after claims.
• Limited Local Support: Relies more on digital and phone assistance, with fewer physical branch locations.

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5 – Allstate: Best for Customizable Coverage

Pros

• Broad Coverage Options: Propose standard policies and add-ons such as accident forgiveness, rideshare coverage, and new car replacement.
• Strong Local Agent Networks: It has an extensive network of agents that offer in-person service and advice.
• Safe Driving Rewards: Rewards for Safe drivers include discounts and cashback through the Drivewise program.
• Customizable Policies: Tailored fit offers for individual needs.
• Milewise Program: Ideal for low-mileage drivers, providing pay-per-mile insurance for cost savings, fit for Arizon’s low mileage or part-time drivers.

Cons

• Higher Premiums: More expensive rates without discounts.
• Discount Complexity: Discounts often require enrolling in specific programs or bundles.
• Usage-based Program Risks: Drivewise could detect risky behaviors that could cause an increase in premiums.
• Mixed Customer Satisfaction: Some Arizona customers report slower claims procedures and unstable service quality.

6 – Farmers: Best for Flexible Options

Pros

• Customizable Coverage: Diverse drivers can have comprehensive coverages and add-ons for weather-related risks.
• Local Agent Expertise: The state has unique weather challenges, but Farmers’ local agents provide immediate support.
• Uninsured Motorist Protection: This addresses the state’s high uninsured driver rate.
• Amazing Discounts: Big savings on bundling insurances, and rewards the drivers with lower rates for their clean driving record.

Cons

• High premiums and add-ons: Rates may tend to be more expensive for younger or high-risk drivers and for optional coverages.
• Mixed Customer Satisfaction: Some Arizona Customers report slower claims or challenges with payouts during high-demand weather events.
• Rate Variability: Premiums can increase after claims or for urban areas like Phoenix, which have higher accident rates.

7 – Liberty Mutual: Best for Comprehensive Policies

Pros

• RightTrack Safe Driving Program: Arizona safe drivers get rewards of up to 30% in premium discounts.
• Great Add-ons: Valuable options like new car replacement, gap insurance, roadside assistance, and custom coverage parts and equipment.
• Weather Risks Protection: Provides coverage for risks like monsoon storms, addressing Arizona’s extreme weather conditions.
• Flexible Payment Options: Multiple payment methods for different budget types.

Cons

• RightTrack Limitation: To unlock discounts, the program requires consistency in safe driving.
• Claims Issues: An increase in rates could happen after filing a claim. Customers also report delays in claims during monsoon or other high-demand issues.
• High-Risk Drivers Rates: Premiums in Liberty Mutual can be steep for drivers who have accidents, traffic violations, or bad credit.

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8 – Nationwide: Best for Customer Service

Pros: 

• Coverage Customization: Roadside assistance, gap insurance, accident forgiveness, and total loss deductible waiver are offered as add-ons for varied drivers in Arizona.
• Vanishing Deductible Program: Appealing rewards for safe driving by reducing the deductible if no accident occurs in a year.
• On Your Side Review: Personalized reviews about the policies given by the agents ensure the drivers get the right coverage.
• High-demand Weather Claims: Even in bad weather conditions, the company’s financial stability ensures reliable claim payouts.

Cons

• Vanishing Deductible Cost: Participating in this program means a slight increase in premiums, which can offset the deductible savings for some drivers.
• Higher Premiums and Add-on Cost: Rates are higher than competitors for younger and high-risk drivers. Add-ons like gap insurance and accident forgiveness are useful but significantly raise premiums.
• Limited Local Agents: There are fewer in-person Nationwide agents in some areas in Arizona.

9 – Travelers: Best for Unique Coverage

Pros

• Extensive Weather Coverage: Protection against monsoon-related flooding, windstorms, and hail damage, common in Arizona’s climate, is prioritized.
• IntelliDrive Program: This Travelers program is ideal for Arizona’s responsible drivers as it tracks their driving habits and rewards 30% discounts for safe drivers.
• Multi-Policy Discounts: Insurance bundles ensure big savings.
• Gap Insurance: It is beneficial for financing vehicles because it backs the difference between the car’s value and loan balance.

Cons

• IntelliDrive Risks: Poor driving habits lead to premium increases.
• Claims Delays: Customers report slow claims resolution during monsoon season and other bad weather conditions.
• Varied Rates for High-risk Drivers: Rates tend to be higher for drivers with poor credit scores, traffic violations, and accidents.

10 – American Family: Best for Loyalty Discounts

Pros

• Modified Coverage: Reasonable policies and add-ons based on the driver’s needs make the company the best car insurance in Arizona for young drivers.
• Unique Discounts: Safety vehicle discounts for cars equipped with safety technologies and significant savings for multi-policy bundle offers.
• Fast Claims: The American Family is known for prompt and responsive claim procedures during loss or accident.
• Accident Forgiveness Feature: It prevents premium increases after your first accident, making it a good feature for drivers in high-traffic areas like Phoenix, which is why it is considered the best car insurance in Phoenix, AZ.

Cons

• Limited Discount for Senior Drivers: Younger drivers or those with new cars have better options than seniors.
• Limited National Presence: While it is widely known in many states, its national presence is less than that of State Farm or Allstate, which affects service availability.
•  Varied Policy Rates: Older cars without advanced features cost more. Optional add-ons can increase premiums.

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Minimum Coverage Requirements in Arizona

Arizona has what’s called minimum liability coverage, like other nations. This is the minimum insurance coverage you are allowed to have in order to drive in the state legally. Under Arizona law, it’s required to have what’s known as a 15/30/10 minimum coverage. Below we’ve broken down the minimum insurance amounts and what they mean.

• 15 = $15,000 to pay for injuries for ONE person
• 30 = $30,000 to pay for injuries from any ONE accident
• 10 = $10,000 to pay for property damage

In other words, the minimum coverage is pretty low compared to other states. Presuming you were to get into a costly accident, you’d likely run out of money before you finish paying for all of the costs of the accident.

So getting MORE than the minimum coverage is going to be extremely important in getting the best car insurance in Arizona.

Acceptable Forms of Financial Responsibility

Forms of financial responsibility or proof of insurance are the required documentation to carry with you while you are operating a vehicle. It is proof that you carry the minimum liability insurance and are a lawful driver.

Several forms of financial responsibility are acceptable:

• Liability Insurance ID cards (must be valid and up-to-date)
• Copy of your car’s current insurance policy
• Image of your insurance card on your mobile device

In addition to these standard forms of financial responsibility, Arizona also will accept any of the following according to the NAIC:

• Certificate of Insurance (Statutes 28-4077 or 28-4078)
• Bond/Certificate of Deposit
• Cash in the Amount of $40,000 (statute 28-4084) [elaborated in a later section]

You must carry at least one of these forms on your person while you are driving a vehicle. If you happen to be pulled over by law enforcement, stopped at a traffic stop, or are in an accident, you will be required to show one of these to prove financial responsibility.

You’ll be facing tough penalties if ever you do not have the required minimum or proof on your person.

Penalties for your first offense of being caught without your proof of insurance are:

• $500 fine minimum
• License/registration suspension for 3 months

In short, you could end up unable to drive for 3 months just for not having your proof of insurance on you!

But when you do have insurance and are caught without it, you can reinstate your privileges by filing an SR-22 form, which requests that your insurer send the Arizona DMV the proper documentation to prove that you are insured.

Filing this form may result in increased insurance rates from your provider, and you’ll be required by law to carry the SR-22 form for three years. Therefore, make sure you have one of the above forms of financial responsibility with you at all times!

Premiums as a Percentage of Income

Your insurance rates are affected by a term known as ‘disposable income per capita’. What does this mean, and why does it affect your insurance rates? It is how much the average state citizen makes each year after taxes. So in the case of Arizona, the average monthly per capita disposable income is $2860.

This means that the average Arizona citizen makes $34,321 per year after taxes. Breaking this down, the average monthly disposable income would be $2,860. So all of the bills you have each month (health insurance, groceries, Netflix account) come from this monthly income.

Moreover, the average full coverage premium for car insurance in Arizona is $962, meaning the average Arizona citizen is paying $80 per month for car insurance.

To help put this into perspective, the average monthly car insurance rate for the nation is $82. This implies that Arizona citizens actually pay LESS than most of the other states in the nation. Based on that data, Arizona is actually the 14th cheapest state in the nation for car insurance. Way to go, Arizona!

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The Average Price Per Month for Car Insurance in AZ

The information listed below is from the National Association of Insurance Commissioners, a leading source for insurance coverage that will answer as to how much is the average car insurance in Arizona.

Arizona Car Insurance Monthly Rates by Provider & Coverage Level

The average cost of car insurance in Arizona is likely to be higher for 2019 and on. Make sure to make the right fit for you!

Let’s take a look at the average car insurance cost in Arizona.

The map shows the comparison in the US by state. Definitely, there are huge differences as rates tend to be relative according to indicators. For example, Arizona had a $3 higher rate neighboring state, New Mexico, and $7 higher than Utah but $11 lower compared to Nevada.

Check this video from NAIC below to get insightful advice.

Essentially, going to the right place or person to ask for help matters. The same goes for your car insurance; the right company will provide you with the best-tailored service to your needs.

Additional Liability Coverage of the Best Car Insurance in Arizona

How do you know whether an insurance provider is ‘healthy’? You check how financially healthy they are by something known as a loss ratio. A company with a loss ratio too high (over 100 percent) is losing money.

A company with too low of a loss ratio isn’t paying out as much in claims as it thought it would. You want to find that sweet spot right in between.

Arizona Additional Liability Coverage

From the data above, you can see that the percentage has become increasingly healthy in the past few years.

What is MedPay and Uninsured/Underinsured Motorist coverage? What exactly does it do for you?

• MedPay Coverage is the coverage that covers your medical expenses after an accident
• Uninsured/Underinsured Coverage is the coverage that helps cover medical costs for you in the case of being involved in an accident with an uninsured/underinsured driver

In addition, this coverage is optional in Arizona but definitely worth getting. Being involved in accidents with uninsured drivers means they will likely go bankrupt before they can pay for all of the costs of the accident. Including any injuries of YOURS.

Consequently, if they can’t pay for everything and end up going bankrupt, all of those costs will then fall on you. But in the lucky instance that you had this coverage, it would cover the cost for you. Notably, in Arizona, 12 percent of motorists are uninsured. This places Arizona with the 24th highest number of uninsured drivers!

Bottom line? Keep your cash in your wallet and consider adding Med Pay and Uninsured/Underinsured Motorist coverage to your policy. Worry not, we have the list of the best car insurance in Arizona that you can get. It could mean a world of difference in the future!

Available Add-ons, Endorsements, and Riders of the Best Car Insurance in Arizona

Searching for all the additional options can be exhausting and time-consuming. It can be rewarding, however, to get that additional coverage you need.

For that reason, we’ve collected a list to make things a little more convenient for you. They are some of the most affordable coverage options to add to your policy. Take a look at the coverage options below and see if they’re the right fit for you.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive (Metromile)

Several add-ons and endorsements are available for you to take advantage of. Some drivers think it’s just an additional dollar in the bill.

Depending on the type of vehicle, field of work, or personal needs, grab the add-ons you feel are essential. You never knew an extra dollar in a bill could save you thousands in the future.

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Best Car Insurance Quotes in Arizona by Age and Gender

As unfortunate as it is, your gender and even your age can sometimes play a role in the amount you’ll pay for your insurance premium. Below we’ve listed both the gender and the age differences among different insurance providers for insurance rates.

Arizona Car Insurance Monthly Rates by Age and Gender

Luckily in Arizona, a lot of companies have done away with gender differences for married individuals by charging the same rates for both males and females. Companies like Allstate F&C, and State Farm Mutual charge the same rates for married individuals. Age, however, still plays a large factor in the insurance rate.

The older the person, the lower the insurance premium tends to be. Vice versa, younger individuals typically pay more. For instance, according to the data above, the group that pays the most for insurance rates in Arizona are single 17-year-old males. This is typical, as most insurance providers see teenage boys as more reckless drivers than teenage girls.

The Cheapest Insurance Rates by ZIP Code

Where you live in Arizona can affect your car insurance rates as well. We’ve gone through and collected data on car insurance rates by ZIP code.

These monthly rates range from $250 to $450, according to your ZIP code based on updated data. You can click on the map and see the difference.

Check the lists below to see where your ZIP code falls!

Cheapest ZIP Codes for Arizona

The cheapest according to ZIP code are the cities that follow: Mesa, Tucson, Chandler, Scottsdale, and Gilbert. The next list shows the most expensive ZIP codes.

Most Expensive ZIP Codes for Arizona

As listed above, the expensive cities are Scottsdale, Paradise Valley, Phoenix, Tempe, and Chandler. Does your ZIP code belong to the cheapest or most expensive?

Read More: Phoenix, AZ Car Insurance Guide (Comprehensive)

The Cheapest Insurance Rates by City

We’ve also collected data on car insurance rates by city. Check the table below.

Cheapest Cities for Car Insurance in Arizona

Among the cheapest cities are Mesa, Tucson, Chandler, Scottsdale, and Gilbert. Don’t see your city? Check if it’s on the list of most expensive cities for car insurance.

Most Expensive Cities for Car Insurance in Arizona

Now, the most expensive cities are Scottsdale, Paradise Valley, Phoenix, Tempe, and Chandler.

Read More: Gilbert, AZ Car Insurance Guide (Comprehensive)

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The Best Car Insurance Companies in Arizona

Now that you have an idea about car insurance rates and coverage in Arizona, we’ll move on to talk about the car insurance companies in the state.  A question may come across your mind: why is car insurance needed?

If car insurance is not as needed as you think it might be, think about how many providers are established to offer this service. There are nearly 1,000 licensed providers in Arizona who offer car insurance!

When it comes to cheapest, Geico definitely hit the top 1 with less than 68% rating compared to the state average, followed by USAA and Travelers, both less than $24 in the top 2. Whereas Farmers and Allstate are the highest above the average with 24% and 22%, respectively.

The Best Car Insurance in Arizona Financial Ratings

Did you know that there’s a system for measuring how financially healthy an insurance provider is? It’s known as an A.M. Best Rating system. A global credit rating agency that tends to have a heavier focus on the insurance industry. Just like a provider can run your credit history and financial strength, you can check out theirs with this.

State Farm topped the size of Arizona insurers’ marketplace by ringing 17%, which is higher than other companies. According to State Farm company review, the factors that made its percentage high include a large customer base, financial stability, reputation, and diverse offers.

Then, it was followed by Geico at 15% and Progressive at 11%.

We’ve gone through and provided the top ten insurance providers’ ratings below.

AM Best Rating by Provider

The table shows that the higher the financial rating, the more pluses behind the letter, and the more likely a company has the funds to pay claims. For example, Geico in Arizona is rated A++. Geico is affordable, and one of its known policies is allowing customers to insure a car that is not under their name.

This indicates that it has one of the highest financial ratings and customer approval in the state!

Companies with the Best Ratings

Happy customer, happy provider, right? Obviously, a good customer satisfaction rating means that a company is doing something right, and are providing the best service for that consumer. J.D. Power released the information below about the provider’s customer satisfaction rankings in the Southwest.

Companies with the Most Complaints in Arizona

Every company is going to have its share of complaints, and the bigger the company the more likely they are to have complaints. Which companies have the most complaints in Arizona? We’ve gone through and listed the number of complaints about some of the bigger companies in Arizona.

Most Complaints in Arizona by Provider

Based on these numbers, the companies with the most complaints are Liberty Mutual, Progressive, Geico, and Allstate, while the companies with fewer complaints are USAA, Travelers, and American Family.

Although it is definitely something to consider, it doesn’t necessarily mean a company is bad. It is more along the lines of an indicator as to how that company handles complaints and customer satisfaction.

Arizona Car Insurance Rates by Company

Shopping around for the best car insurance in Arizona is what’s going to help you save money while still getting the best coverage for you. Below is some information about the rates across various companies in Arizona.

Monthly Rates by Carrier in Arizona

Evidently, by comparing some of the different companies in Arizona, you can save thousands of extra dollars. For instance, Geico offers policies that only add $10 to the state average, but Nationwide is $5 less.

Moral of the story? Don’t pick the first policy you find, as you could be spending thousands of extra dollars!

The Costs of Commutes by Carrier

A lot of companies calculate your insurance rates based on how far your daily commute is. The longer your commute, the more you could be spending.

The Costs of Commutes by Provider

Luckily in Arizona, a lot of companies are offering the same rates despite your commute length. There are still some, however, that do charge more for longer commutes. The differences are rather small, less than $100 difference, but that still is money out of your pocket that you could be spending on other things you need.

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Coverage Level Rates in the Best Car Insurance in Arizona

The rule of thumb has always been that the more you pay, the better your coverage, right? Don’t be discouraged from getting higher rates so long as you need it. The difference between a low-coverage plan and a high-coverage plan could be as little as a hundred extra dollars per year. Check the table for the best full-coverage car insurance in Arizona.

Arizona Car Insurance Monthly Rates by Provider & Coverage Type

As you can see, there is a slight difference in the collision and comprehensive coverage. But the common thing is that collision is much more expensive and ranges from $5 to $10 than comprehensive coverage.

The key is to make sure you shop around because you could end up paying more for less!

6 major factors affecting the best car insurance in Arizona rates.

The indicators are what shape the rates or policy that a company will offer you. So expect that if you have higher violation and accident records, bad credit, or speeding tickets, your rates be over than the usual safe drivers or those with good credit.

Premium rates vary according to the coverage you would like to take advantage of. You must understand the overall policies to get the coverage you deserve and make vital decisions in your car insurance.

Indeed, car insurance provides financial protection against risks, theft, and damages; it is also not wise to dive into whatever the sales agent is selling. Learning these factors helps you assess the level of associated risks as a driver while aiming for the best-fit coverage and policies.

Credit History Rates to Get the Best Car Insurance

Not surprisingly, your credit history also plays a big factor in the insurance rates you’re offered. The better your credit score, the better your rate is going to be.

Arizona Car Insurance Monthly Rates by Credit Score

You could be paying thousands of extra dollars each year just based on your credit alone. Based on the data above, you could be paying just $270 in Allstate if you have good credit but $440 for bad credit. Imagine the huge difference.

Liberty Mutual’s extensive review of rates shows that customers with bad credit must pay $340 and only $200 for those with good credit. The common denominator is a good credit score, which provides cheaper rates and higher rates for bad credit scores across all car insurance in Arizona.

The average national VantageScore is 675. The average VantageScore for Arizona is 669. In that case, Arizona actually has a LOWER credit score than most other states!

Driving Record Rates to Get the Best Car Insurance

How you drive also plays a pretty big factor in getting the best car insurance in Arizona. The safer of a driver you are, the cleaner your driving record is and the less you’ll have to spend to get the coverage you need. When you start factoring in things such as accidents, speeding, and DUI charges, rates tend to skyrocket.

Arizona Car Insurance Monthly Rates by Provider & Driving Record

Having just one of these things on your driving record could cost you thousands of dollars per year. Buckle up and drive safely out there! Cruise your way to savings by being a safe driver.

Check out the video below from IIHS to learn more about how to drive safely, even with hazardous roadside conditions.

Number of Best Car Insurance in Arizona

Arizona has a pretty diverse choice of insurance providers in the state. In total, there are 983 providers, 40 of which are considered domestic providers and 943 of which are considered foreign providers. What exactly is the difference between a domestic provider and a foreign provider?

• Domestic Insurer – an insurance company admitted by and formed under the laws of the state in which insurance is written
• Foreign Insurer – an insurance provider that was formed under the laws of another state but is still doing business in Arizona

How does this affect you? It doesn’t really. The only thing to factor in is if you have a foreign provider that they are giving you the minimum liability coverage for Arizona (15/30/10). As long as you have at least that on your policy, you have nothing to worry about.

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Arizona State Laws You Should Know

When it comes to how you drive on the road, each state has its own set of rules and laws. After all, no state is exactly the same, so why should the laws be? You can yourself questions like, is it illegal to not have car insurance in AZ? That said, navigating through all of these rules and regulations can be confusing, especially for new residents.

You need to know your state’s laws before you start driving. When you’ve chosen the car insurance provider and policy that’s best for you, you’ll need to file the appropriate forms to the DMV. Once filed, there is a 30-day waiting period for it to take effect.

Hence, make sure you count on the amount of time it will take once you file for the best car insurance in Arizona!

High-Risk Insurance

Did you know that after a certain amount of driving violations, you are considered a high-risk driver?

It can be costly to be a high-risk driver, as a lot of insurance companies will charge high rates to provide you with any coverage. On top of that, if your driving record is bad enough, you may not even be able to find a car insurance provider willing to give you any coverage at all. But what made up the high-risk insurance?

Luckily, there is an Arizona Automobile Insurance Plan (AZ AIP) that was formed to ensure all drivers can have access to insurance coverage, regardless of their driving records. All licensed Arizona auto insurers must participate in this plan in order to do business in the state.

If you are accepted into this program, a designated company will have to accept you and provide the necessary insurance coverage. As a result, you cannot select what you prefer, but would have to take the terms and rates that the company you are designated to give to you.

How do you qualify for this type of insurance? All Arizona motorists are eligible for AZ AIP as long as they have a valid driver’s license.

Few exceptions you can be turned down by this insurer plan:

• Outstanding premium payments owed to an insurance company
• Your previous policy was canceled within 12 months of missing your vehicle inspection
• You own an antique vehicle (older than 25 years) or has a cash value of more than $25,000 (AZ AIP can refuse you coverage for physical damage insurance)

A clean driving record would never make a driver worry. However if you are considered a high-risk driver, know that you can find the coverage you need, so worry not. It may not be the most cost-effective, but as you want to be sure you have insurance to be a lawful driver, at least you have something to fall back on.

Low-Cost Insurance

Arizona is, unfortunately, one of the many states that do not offer low-cost insurance solutions for low-income households. Don’t let this get you down, though! There are still ways to cut down on the costs of car insurance, such as being a safe driver with a clean driving record.

Common Car Insurance Discounts  You May Quality:

• Accident-Free Discount
• Driver Training Discount
• Good Driving Discount
• Good Student Discount
• Company/Team/School Discount (for example, a lot of companies offer their employees discounts when they are traveling for their jobs)
• Homeowner Discount
• ‘Green’ Discount (you use a paperless billing system)

The top providers we picked for you have offered various discounts that we want you to consider thinking this might save you money while getting the best car insurance in Arizona.

Car Insurance Discounts From the Top Providers in Arizona

As you can see in the table, not just one but more discounts are offered in each company, such as multi-policy, safe driver, paperless billing, accident forgiveness, and so on.

Windshield Coverage

Did you know that some states require that your policy includes windshield coverage? Arizona doesn’t require drivers to have this type of coverage, however, providers do offer optional “full glass” or “safety equipment” coverage you can add to your policy. These coverages help pay for any windshield repairs with no deductible.

Furthermore, if you need to repair/replace your windshield, you can use aftermarket parts, but the insurer has to provide written notice that those parts are being used. You also have the right to choose whoever you like to do the repairs to your windshield and whether you want to replace the windshield altogether.

Although you’re not required to have windshield coverage in Arizona, it definitely is something to consider. It could end up saving you a lot of money down the road if something ever does happen to your windshield. (Read the review about what company is best in covering windshields in Arizona)

Automobile Insurance Fraud in Arizona

Insurance fraud is a serious crime in the United States. From 2013-2017, property/casualty fraud amounted to $30 billion each year! As you can imagine, with amounts like this, insurance fraud is taken very seriously.

How does this directly affect you, even though you’re not the one committing insurance fraud? If companies weren’t losing that much money from insurance fraud, you’d be paying lower insurance rates!

Auto insurance fraud forms, according to the IIHS:

• Making false claims (faking a claim)
• Adding “extra” costs onto a legitimate claim that isn’t legitimate

What are some of the consequences if you do commit auto insurance fraud?

Penalties for Driving Without Auto Insurance in Arizona

Ouch! That’s some hefty fines and prison time! Moral of the story? Don’t commit insurance fraud, and you’ll be safe!

Statute of Limitations

The statute of limitations is the amount of time that you have in order to make a claim. In Arizona, you have two years to claim both personal injuries as well as property damages.

This amount of time might seem pretty long, but when you’re dealing with the repercussions of being in an accident (having to go to the hospital to treat injuries, dealing with vehicle repairs, etc), that time can go by in a flash. Make sure you make your claim as soon as you can so you can get the payment you need!

Self-Funded Insurance

As mentioned briefly in the Forms of Financial Responsibility section, there is the option of self-funding in Arizona. What this means is that you can opt out of your typical insurance coverage and can still be a lawful driver. To do this, you need to keep a $40,000 certificate of deposit (CD) account assigned to the Office of the Arizona State Treasurer.

In order to set this account up, you need to contact the Arizona State Treasurer’s Office. Once deposited and verified, you will need to carry proof of this certificate of deposit on you while you operate your vehicle.

Vehicle Licensing Laws

There are a couple of things you’ll need to know in order to register your vehicle and renew your registration.

Registering Your Vehicle

Though state laws differ, new homeowners and car owners frequently ask, do I need AZ insurance to register my car? The answer is, in order to register your vehicle, there are a couple of items you will need to present:

• Emissions Test
• Vehicle Insurance
• Proof of Ownership / Loan Information
• Signatures of the applicant(s)
• Plates (out-of-state drivers will have to surrender their license plates)

Those who do not have all of their documentation completed can apply for a ninety-day registration until they can complete all of the documentation.

Emissions Test

If you live in/commute to Tucson or Phoenix, your vehicle will need to pass an emissions test in order for it to be eligible to register. Below we’ve listed how often your vehicle will need to be tested (based on vehicle model year and Gross Vehicle Weight Rating):

Arizona Emissions Testing Requirements in Tucson Area

Arizona Emissions Testing Requirements in Phoenix Area

There are a couple of things that will automatically fail a vehicle for inspection, so double check that you have your car fixed up and ready for inspection before getting tested.

Penalties for Driving Without Car Insurance in Arizona

As we’ve stated many times previously, in order to drive in Arizona, you are required to have minimum liability coverage. You could be facing some serious penalties once you don’t and you are caught without it.

• First Offense: $500 minimum fine and three months of license/registration suspension
• Second Offense (within three years): $750 minimum fine and six months of license/registration suspension

Just in case you need a reminder of what forms of financial responsibility you need in order to prove you are insured, click to jump back up to the Forms of Financial Responsibility section.

Teen Driver Laws

There are a few rules you need to know if you are a teen driver or are the parent/guardian of a teen driver. A few special requirements that a teen has to adhere to in order to get their license are going through three different types of licensing. Those are a learner’s license (also known as a learner’s permit), an Intermediate License, and finally, an Unrestricted License.

Below we’ve listed the process for each type of license.

Penalties for Teen Driving Without Auto Insurance in Arizona

Older Driver License Renewal Procedures

In order to keep everyone on the road safe, Arizona has a few rules for older drivers in the state. After citizens are 65 years and older, they will need to renew their licenses every five years. In addition, they will be required to do a vision test at each renewal, regardless of age.

An older driver may have their license revoked if deemed necessary by a physician or a concerned family member/individual. A road test may be required if any impaired driving has been reported about the driver. Restrictions may also be deemed appropriate and could include any of the following:

• Golf Cart Driving Only
• Daylight Driving Only
• No Freeway Driving
• Driving only within a set distance from that person’s home

So if you are starting to enjoy the retired life, make sure you stick to these rules so you can continue to drive in Arizona lawfully.

The Best Car Insurance in Arizona for New Residents

Thinking of getting a permanently better view of the Grand Canyon? Well, if you are a new resident of the Valentine State, there are a few things you will need to do in order to get your license and registration.

First, according to the Arizona Department of Transportation, you will need to get an Arizona driver’s license if any of the following applies to you:

• Worked in Arizona (aside from seasonal work)
• Registered to vote in Arizona
• Have children who attend school, and you pay regular resident tuition rates
• Business-based, operated, and has an office in Arizona
• Obtained a state license or pay school tuition fees at the same rate as Arizona residents
• A business that operates vehicles that transport goods/passengers within Arizona
• Resided in Arizona for 7 months or more, regardless of permanent residence

So, you fall under at least one of these qualifications, and you need to get your license. How do you go about getting your Arizona license? There are a few steps that you will have to go through in order to get your license:

• Start your online application
• Go to the MVD office or an authorized third-party office
• Testing – which may include a vision test but will likely not include a written/road test if you have a valid out-of-state driver’s license
• Identification in the form of a Social Security Number and a Driver’s License or State ID

License Renewal Procedures

After a set period of time, all drivers are required to get their license renewed. It varies from state to state as to how long that period of time is and what is required at the time of renewal.

Arizona has a few regulations about citizens renewing their licenses:

• License Renewal Cycle: once every 12 years for the general population, every five years for people 65 years and older
• Proof of Adequate Vision: every renewal
• Mail/Online Renewal Permitted: no

Thus, the unfortunate news is that you won’t be able to avoid the DMV lines when you need to renew your license, as you will have to go in person so that you can get your vision checked. The good news about that is that you’re making sure all citizens are able to see properly before getting behind the wheel.

This might not seem like a big deal, but if an individual with poor vision is driving, it could lead to more accidents and, worse, more fatalities on the road. Arizona is one of the many states trying to make sure all of its citizens are safe and well when behind the wheel.

Negligent Drivers

As stated many times previously, Arizona takes the safety of its drivers very seriously. Driving dangerously while on the roads could cause some serious trouble as a result.

Reckless (negligent) driving is considered one of the more serious misdemeanor offenses in Arizona. A first-time offense results in a class 2 misdemeanor, which has a maximum penalty of four months in jail and a $750 fine.

In addition, the driver may also face additional consequences, such as points on their driver’s license.

As this offense is one of the most serious moving violations, it places eight points on the person’s license. They will also be required to complete Traffic Survival School. Just for a first-time offense!

But the truth is that drivers can practice safe driving. These offenses can be avoided if you seriously care for yourself and others.

For those who are safe drivers, this won’t be a problem. For those who are considered high-risk drivers, check your habits and learn to change them as early as now. Be sure you follow the rules of the road to become the safest driver you can be!

Points System

Arizona has a very specific point system for drivers and any moving violations that may be committed. In essence, if you commit any moving violation, you could have points added to your license.

Too many points on your license could result in your license being suspended (8+ points in a 12-month period), and you may be required to attend Traffic Safety School. To make things easier for you, we’ve gone through and listed all of the violations and the points you’d be facing.

Arizona Driving Points System

Driving recklessly in any way, you’ll be facing 8 points immediately added to your license!

Arizona’s Rules of the Road

Knowing the rules of the road is going to be so important for you to drive without having to worry about breaking the law. If you don’t, you’ll be facing the point system above, fines, and potentially jail time. Don’t lose your hard-earned money and time over this. Keep reading to learn more about Arizona’s rules of the road.

Fault vs No-Fault

Arizona is an at-fault state. What does an at-fault state mean?

Say, for example, you are involved in an accident with an uninsured person, and they are at fault; they likely won’t be able to pay off all the costs of the accident completely.

They may end up bankrupt before they are even able to pay for any injuries you may have sustained or damage to your vehicle. Consequently, some of the costs will fall onto you, even though the accident wasn’t your fault!

Ensure you are completely covered in the case of an accident with uninsured/underinsured coverage. It could save your bank account later!

Keep Right and Move Over Laws

Keep right laws are fairly simple to understand in Arizona. If you’re driving slower than normal traffic, keep in the right lane except when passing another motorist or turning left. Not so bad, right?

Move-over laws ensure that particular vehicles (ones with emergency lights flashing) get to their destination quickly, or if one of these vehicles is stopped on the roadway, other drivers take extra caution to get around them.

In Arizona, drivers must do the following for these types of vehicles:

• Once on a highway having at least two lanes proceeding in the same direction as the approaching vehicle, proceed with due caution and, whenever possible, with due regard to safety and traffic conditions, yield the right of way by making a lane change into a lane not adjacent to that of the emergency vehicle
• In instances where changing lanes would be impossible or unsafe, proceed with due caution and reduce speed, maintaining a safe speed for road conditions.

Need a reminder of what kinds of vehicles you will need to move over for? If any of the following vehicles with flashing lights are approaching, move over:

• Law Enforcement
• Ambulances
• Firetrucks
• Utility Workers
• Tow-Truck Drivers
• Drivers with their hazard lights on

Speed Limits

Every road you will drive on in the nation is going to have a speed limit, and they are set for very specific reasons. Whether it is due to where the road is located, the kind of road it is, or other factors. In Arizona, there are different types of roads and, therefore, different speed limits for each kind.

Knowing these speed limits will not only help you drive safely on the road but also prevent you from getting driving citations for driving over the speed limit.

Arizona Speed Limits

Another key point is driving within 10 mph over the speed limit, you could be pulled over by law enforcement and given a citation known as a “waste of finite resources.” This citation is considered a civil offense, meaning it only carries a $15 fine and no points to be added to your license.

As a result, it helps prevent you from getting a criminal offense which will involve points against your license and more hefty fines. So, in case you’re looking to save some cash, make sure you follow all of the speed limits above.

Seat Belt and Car Seat Laws

Seat belts were created to save lives and are required to be worn while driving in Arizona. Below we’ve compiled the seat belt laws in Arizona.

Arizona Safety Belt Laws

Riding without a seat belt is not considered a primary offense (with the exception of children under 8 years old), so you won’t necessarily get pulled over for that alone. However, when you commit another driving violation and are pulled over, you may still be cited for not using a seat belt.

Wearing your seat belt isn’t considered a primary offense, but violating Car seat laws is. Below are the child safety laws for driving in Arizona.

Arizona Child Seat Laws

Watch the video below from IIHS to learn more about the importance of proper seat belts and car seats.

The Best Car Insurance in Arizona Ridesharing policy 

Ridesharing has exploded in popularity over the past decade, with companies such as Uber and Lyft dominating the market. It can be an extremely useful tool for citizens, able to get to where they need to go with the push of a button.

Therefore, if you wish to work for one of these companies, they will require that you have what’s known as ridesharing coverage. In Arizona, House Bill 2135 was passed in 2015, requiring ridesharing services to carry $250,000 worth of liability coverage when a passenger is present.

The mentioned amount is identical to taxi drivers, who are required to have the same coverage. The easiest way to buy this policy is through your personal car insurance provider since some offer this in their policies. Geico, State Farm, Allstate, Progressive, and American Family are the few to mention.

Keep in mind that this coverage is in ADDITION to the minimum liability coverage you are required to have. Moreover, if you consider working for these companies, and you are insured under a provider that doesn’t have this type of coverage, you may be required to get an additional policy/change policies in order to get this coverage. [For a better understanding of the best car insurance in Arizona that offers the best ridesharing policy, “Rideshare Insurance Policy“]

Automation on the Road

Arizona is one of the few states that has already authorized the full deployment of automated vehicles on their roads. Depending on the level of vehicle automation, an operator may be required to be in the vehicle.

They do not require that the operator has to be in a ‘fully autonomous vehicle’ as long as that vehicle can achieve ‘a minimal risk condition’ in the event of failure. If an operator is required, however, that operator is also required to be lawfully licensed in the state of Arizona.

This is all thanks to a 2015 executive order from the governor, making Arizona one of the leading states in testing and deploying automated driving technology.

DUI Laws

Driving Under the Influence (DUI) in Arizona is taken extremely seriously. What does Driving Under the Influence mean?

In 2021 alone, there were 421 fatalities due to alcohol-impaired drivers. Due to this, Arizona has many laws regarding this in order to protect Arizona citizens.

Arizona DUI Laws

Washout/Lookback period means that if you have a repeat of this offense in that time frame, you will be bumped up to the next level of penalty. Speaking of that, what are the penalties for offense for a DUI conviction?

Arizona DUI Offenses and Penalties

Your BAC determines how severe the penalties are. If your BAC is above 0.15 percent, you may be faced with an Extreme DUI conviction, which carries the following penalties:

• First Offense:
  • 30 consecutive days of imprisonment
  • $2,500 fine
  • Ignition Interlock Device: required
  • Other: Alcohol screening/education/treatment as well as to perform community service
• Second Offense:
  • 120 days of imprisonment
  • $3,250 fine
  • Ignition Interlock Device: required
  • Other: Alcohol screening/education/treatment, performing community service, and the license is revoked for one year

What in the world is an ignition interlock device? It is an instrument that tests breath alcohol levels and is connected to the ignition and power of the vehicle. So having this device installed in your vehicle means you have to blow into the device in order to get your vehicle to turn on at all.

As a result, if you have been drinking and blowing into the device, the vehicle will not start. But in case you have not been drinking and your vehicle turns on, you will be tested randomly while you are driving and will have to blow into the device in order to continue driving.

Arizona even takes a step further and has a third level of DUI conviction known as an Aggravated DUI.

This applies to someone who commits a DUI under one of the following conditions:

• License is suspended, revoked, or canceled
• Third DUI in 84 months
• Has someone under the age of 15 years old in the vehicle
• Refusing to submit a blood alcohol content test while under an ignition interlock device requirement

Aggravated DUI Penalties are as follows:

• Imprisonment: no more than two years
• License Revoked: one year
• Ignition Interlock Device: required
• Other: Alcohol screening/education/treatment and performing community service

Think that if you refuse to do a BAC test, you won’t get in trouble? Wrong! Because refusing BAC testing, you automatically lose your driving privileges for 12 months for a first refusal and 24 months for the second time within seven years.

So we provided you the video below where a group of guys decided to try to see how sober driving compared to driving after drinking in a controlled setting. Check out just how different their driving was! *Note: Do NOT try this at home!

Arizona takes drunk driving offenses to extremes and for good reasons. If you are out on the town and want to have a drink with some friends, you have options!

Get someone to be the designated driver who doesn’t drink, or get a ridesharing service to take you home.

Don’t try and drink and drive because you WILL be caught, and you WILL have to face the consequences. It’s not worth it! Avoid all of that and just wait to have that drink when you are in a safe place or you know you have a ride home!

Marijuana-Impaired Driving Laws

A lot of states have been allowing the legal distribution of marijuana. With this, a lot of states have been adding laws about driving while under the influence of marijuana. Arizona has a mixed status for legalization.

It is allowed for medicinal purposes but has NOT been decriminalized in other cases.

So once you are ever caught with it without proper medical documentation, you will be charged for having it. In addition, Arizona has zero tolerance for THC and metabolites while driving.

Above all, DUI will be charged to those who are caught driving while marijuana-impaired or other drugs and face the same penalties as listed above.

Again, rule of thumb? Don’t drive while impaired by ANY substance!

Distracted Driving Laws

All it takes is a second of you not paying attention to the road for an accident to happen. Notorious for these distractions are cell phones. According to the NHSTA, distracted driving accounted for 3,450 deaths in 2016 alone.

To help combat this, Arizona has come up with some laws restricting cellphone use and texting while driving, shown below.

118-Cellphone-Laws-Arizona-2019-10-24.csv

Additionally, secondary enforcement means that law enforcement can only pull a driver over if they are committing another primary violation (such as speeding, running a red light, etc.). This should not discourage you from keeping your phone silent while you are driving.

More importantly, whenever you feel like you’ll be distracted by your phone while driving, put it in airplane mode or silent mode so it doesn’t bother you. That text can wait!

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Vehicle Theft Incidents in Arizona

We’ve covered many topics on insurance rates/coverage, state laws, and insurance companies in the state of Arizona. Now that we’ve gotten all of that out of the way, we can move on to the final section: facts about Arizona that you absolutely need to know.

We’ll discuss different factors that affect your overall driving experience while out on the road.

The unfortunate part of owning a vehicle is that there is a chance of it getting stolen. Every state has vehicles that are more prone to being stolen, and they’re not the makes and models you would expect. Less BMW and Royals Royce, and more Honda and Ford.

Arizona Car Insurance by Make & Model

Watch out, BMW owners!

Where you live also makes you more or less prone to vehicle theft. We’ve summarized the incidents in the table below according to the FBI report in 2013 on Arizona’s vehicle thefts by cities. Check if your city is on the list!

Vehicle Theft by City in Arizona

Sadly, Phoenix had the most incidents of vehicle theft with a whopping number of 5000+ despite its location, followed by Tucson with 1200+ incidents and 800+ cases in Mesa.

Occurrence of Crash Fatalities in Arizona

As devastating as it can be, fatalities do happen on the road. There are a multitude of different reasons and factors for why these fatalities occur, and we’ve compiled a few of these factors for you. Hoping this will arm you with this knowledge to keep you wary of these situations while driving and, therefore, keep you safe!

Road Type

What type of road you drive on affects the number of fatalities. Typically what you’ll see is a general trend for rural roads to see more fatalities than urban roads.

This is usually due to the fact that rural roads tend to have higher speed limits, which, therefore, means any impacts are far more deadly.

Moreover, this trend isn’t the case in Arizona. Urban roads see more fatalities than rural roads. This is likely due to the fact that urban roads are busier than rural roads and, therefore, have more drivers on them at one time. Rush-hour traffic is a prime example of that.

Fatal Accidents in Arizona

The fatal accidents are increasing each year. This is why you should always be alert on the roads!

Person type

Who is on the road can affect the rate of fatalities as well, but not in the way you might think. We’re not talking about demographic information such as race, gender, or anything like that.

Person type, in this case, is more about the type of vehicle being driven and whether or not the person in that vehicle is an occupant, a pedestrian, or a cyclist.

Fatalities by Person Type in Arizona

Most of the people who are involved in fatal crashes are drivers and passengers. This must be a reminder to you to be extra careful.

Crash type

How a crash occurs also factors in. Was it a single vehicle that was in an accident? Did the vehicle roll over during the accident? Was someone speeding just before the accident?

Fatalities by Crash Type in Arizona

Hit-and-run cases are the least common in Arizona, with 50 reported incidents, whereas single-vehicle crashes had the most incidents, with 450 cases.

Five-Year Trend by County

We went through the data for the top 10 counties in Arizona with the highest fatality rates and created a five-year trend. The trend is from fatality rates from 2020 to 2023.

Trend for Top Counties in Arizona

Listed on top is Maricopa, with the vast numbers increasing each year. On the bottom is Santa Cruz, which had the fewest incidents, but despite how little, the number is also growing as years pass by.

Speeding

Speeding is one of the major causes of driving fatalities in the nation. For that reason, Speed limits were created. And when drivers exceed that limit, they can lose control of their vehicle and end up in an accident. We found the number of speeding fatalities in each county in Arizona from 2020 to 2023 and listed it below.

Fatalities Involving Speeding by County in Arizona

Maricopa is known to have much traffic and too many people on the road, which could be the reason why it comes first, also in fatalities due to speeding.

Alcohol-Impaired Driving

Another major contribution, and one of the most avoidable, to vehicular fatalities is drunk driving. We’ve gone through the alcohol-related fatalities for each county from 2020 to 2023 in Arizona.

Based on our research, Arizona is currently the 18th most dangerous state for DUI arrests

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County in Arizona

When it comes to fatal crashes due to alcohol-impaired drivers, Maricopa still came first, and Santa Cruz with the least cases.

Teen Drinking and Driving

Something to keep in mind for the DUI fatalities above, this INCLUDES teen drivers. The information below is the statistics for teen drivers in Arizona for driving under the influence of alcohol.

Arizona is the 14th most dangerous state for DUI arrests for teen drivers under 18 years old!

Teens and Drunk Driving in Arizona

As the table shows, the number of teen and drunk driving cases in Arizona is growing, with 300 cases in 2020 and 370 in 2023.

EMS Response Time in Arizona

Should you ever get into an accident and need medical help, you’ll need to call the Emergency Medical Services (EMS). It could mean the difference between life and death, and how quickly the EMS is able to get to you and get you to the hospital is critical.

Urban vs. Rural Fatalities in Arizona

These times are relatively good, especially for accidents that have occurred in urban areas. The time from the crash to getting to the hospital in urban areas is half an hour, which is really good!

Rural areas see a little longer time period, with the wait being a little over one hour, but this is likely due to the location of these rural areas in relation to the distance of the nearest hospital.

Transportation in Arizona

Car ownership is vital for your transportation to and from places such as work, school, and so on. Surprisingly, Arizona has several interesting transportation statistics compared to national averages.

Car Ownership

Across the nation, the average number of vehicles owned is two. Arizona is no different, with it being represented in the chart below in orange.

Commute Time

Commuting through traffic to and from your destinations can be exceedingly frustrating, but luckily for Arizonans, the average commute time is 23 minutes. This is shorter than the national average of 25 minutes!

Commuter Transportation

Do you prefer to carpool? Drive alone? Or maybe you work from home? Well, in Arizona, commuters typically drive alone to their destination by a large margin of 76.5 percent.

Traffic Congestion in Arizona

Arizona has three cities that made into INRIX’s Scorecard for global traffic. This makes sense, as Phoenix is the fifth largest city in the United States. The good news, though, is that even though it is such a large city, it only ranks 140th for traffic congestion.

So, despite spending a large chunk of your time stuck in traffic there, you’d still be spending less time than some other cities do.

Traffic Congestion in Arizona

We’ve gone over everything you’ll need to know to be a safe driver in Arizona and how to find the best insurance coverage to fit YOUR needs. We hope this comprehensive guide was able to give you the confidence you need!

Don’t forget to check out our FREE online tool to help you compare rates of the best full coverage car insurance in arizona! All you need is your ZIP code and you’re able to compare instantly!