Car insurance rates in Arizona
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- Mercury provides the cheapest liability coverage at $33 per month in Arizona.
- Mercury offers the cheapest rates for full coverage insurance in Arizona at $79 per month.
- At $152 per month, Desert Hills is the cheapest city for car insurance in Arizona.
Read on to learn more about car insurance price trends in Arizona. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Arizona
For drivers looking to meet Arizona minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Arizona
#1. Mercury: $33
#2. Auto-Owners: $44
#3. USAA: $48
#4. Auto-Owners Insurance Co: $52
#5. Country Financial: $53
Cheap full coverage in Arizona
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Arizona
#1. Root Insurance Company: $79
#2. Auto-Owners Insurance Co: $104
#3. Mercury: $112
#4. Hartford: $117
#5. Iowa Farm Bureau: $118
Impact of traffic violations on Arizona auto insurance rates
In Arizona, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Arizona may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Arizona after common driving violations.
- No violation: $197
- Not-at-fault accident: $198
- Failure to wear a seat belt: $225
- Speeding 6 - 10 MPH over limit: $238
- Speeding 21 - 25 MPH over limit: $257
- DUI: $400
- Reckless driving: $346
- Driving with a suspended license: $357
- Leaving scene of an accident/hit and run: $411
Car insurance rates across Arizona's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Arizona
#1. Desert Hills: $152
#2. Lake Havasu City: $153
#3. Morenci: $156
#4. Topock: $157
#4. Yucca: $157
Cities with the most expensive average monthly premium in Arizona
#1. Laveen: $248
#2. Tolleson: $247
#3. Avondale: $232
#4. Guadalupe: $226
#5. Luke AFB: $223
