Car insurance in Arizona
Here is some pertinent information about Arizona car insurance rates, annual premiums, discounts and state laws, along with some useful tips on how Arizona drivers choose the car insurance coverage package that works best for them.
Arizona Minimum Liability Coverage
The minimum required auto insurance in the state of Arizona is low as compared to other states. Arizona drivers are required to insure each owned vehicle with $15,000 in Personal Injury Protection (PIP), $30,000 in per-accident coverage and $10,000 in coverage for damage to other people’s property. Insurance carriers use a short hand version of minimum auto insurance coverage requirements. Arizona requires 15/30/10 in car insurance.
Comprehensive car insurance covers you if your car is stolen, and is recommended for Arizona residents in border towns. Car theft is more frequent in Arizona than in most other states, probably due to Arizona’s close proximity to Mexico, according to the Arizona Insurance Council.
Penalties for Driving Without Insurance in Arizona
Arizona drivers who get caught driving without the minimum Arizona auto insurance are subject to fines of at least $500, along with a suspended driver’s license. Additionally, reinstatement of licenses and registrations incur fees, and require the driver to file an SR-22 form as proof of financial responsibility.
Auto Insurance Rates in Arizona
The average annual car insurance premium for the state of Arizona in 2016 was $1,188. The national average during this time was $1,347 per year for car insurance. So Arizona has relatively low premiums on car insurance, although rates vary from one region to the next. For instance, auto insurance premiums are higher in Phoenix and Tuscon than they are in more remote regions of the state.
Factors taken into account when insurance agents figure car insurance premiums include local weather conditions, commercial economy, percentage of uninsured vehicles, population density and neighborhood crime rates, to name a few. Other influences on annual auto insurance premiums are the driver’s age, gender, marital status, driving record, vehicle type and physical or mental health, among other things. State laws also play a role.
Low Cost Car Insurance Programs in Arizona
Most Arizona auto insurance providers offer discounts to reward or encourage responsible driving practices. Available programs include Accident-Free discounts, Good Driver discounts, Good Student discounts, Multiple Auto discounts, Multiple Policy discounts and Vehicle Safety discounts, among others. Discounts can be added together in the same policy, so apply for as many discount as you qualify for. Compare the various discount programs offered by different providers.
Arizona Car Insurance
Look here for the latest data on Arizona car insurance. This page features facts and figures pertaining to Arizona drivers. Here’s where you can learn details about the state of Arizona, and also find out how car owners in Arizona may reduce the cost of auto insurance premium rates from one zip code to the next.
In 2015, the state of Arizona had an estimated resident population of more than 6.8 million people. Although Arizona ranks 6th among states in terms of square miles, it ranks only 14th in total population, and only 33rd in population density. The median age of the residents of the state of Arizona is about 37.4 years.
The poverty rate in Arizona is a whopping 22.3 percent! That’s more than one out of every five people. Compare this to the national average poverty rate of 13.5 percent. Yet, the rate of unemployment in Arizona is 5.0 percent, which is only a slight bit higher than the United States average unemployment rate of 4.4 percent. According to the Insurance Research Council, roughly 10.6 percent of Arizona drivers are operating uninsured vehicles. That means roughly one out of every nine vehicles on Arizona roads is uninsured.
Arizona drivers often want to know the statewide “average” annual premium for Arizona car insurance. However, statewide averages are inaccurate, and do not apply to most Arizona drivers. Your personal Arizona car insurance premium rates have little to do with statewide averages. First, there is a wide range of premium rates between zip codes within state of Arizona. Also, statewide averages are based on imaginary drivers, specifically invented for a study of auto insurance quotes. You have to fill in some sort of parameters to get an online car insurance quote.
So unless you are, perhaps, a 34 year old married male Arizona driver with a clean driving record, a full time job, and a 2014 Dodge Challenger with a car alarm, automatic seat belts, and 4-wheel drive, in which you travel less than 20,000 miles a year, you’ll find no use for a statewide average. Even if this “average” driver describes you, your personal car insurance premium rate will still depend on your Arizona zip code.
In fact, the statewide “average” annual premium rate for a car insurance policy in the state of Arizona was about $1,021 last year, according to records from insure.com. This figure is quite a bit below the national “average,” which was about $1,224 at that time.
Still, Arizona drivers can cut the cost of premiums even further by getting some online quotes for Arizona car insurance, from various major carrier websites. You can get quotes for several Arizona zip codes in your area, using your own demographic info. Compare quotes from at least five auto insurance companies. This will save you money on Arizona car insurance.
This page contains many things you need to know about car insurance in the state of Arizona. Included here is a list of both the cheapest and the priciest zip codes to purchase Arizona car insurance, as well as a list of the largest car insurance carriers in Arizona, the kinds of auto insurance coverage that Arizona drivers need, Arizona zip code populations, Arizona income statistics, and more. Scroll down to learn all about Arizona car insurance.
Best Car Insurance Companies In Arizona
The results of a statistical study conducted by researchers have revealed the top ten car insurance companies in the United States, based on the total revenue of each. According to the study, the top ten car insurance carriers in America are Allstate Insurance, State Farm Insurance, Geico, Progressive Insurance, Nationwide Group, AAA, Liberty Mutual Insurance, 21st Century Insurance, GMAC, and AIG, in that order. In this study, the researchers ranked auto insurance companies by the dollar amount of annual premiums written, which enabled them to calculate each company’s total market value.
Shown below is a list of the top ten Arizona car insurance companies, based on each company’s total market share in the state of Arizona.
Rank | Company | Premiums ($) | Market Share (%) |
1 | State Farm Group | $616,763 | 17.32 |
2 | Berkshire Hathaway Insurance | $421,538 | 11.84 |
3 | Farmers Insurance Group | $376,782 | 10.58 |
4 | Progressive Insurance Group | $362,952 | 10.19 |
5 | Allstate Insurance Group | $299,661 | 8.41 |
6 | USAA Group | $258,360 | 7.25 |
7 | American Family Insurance Group | $220,221 | 6.18 |
8 | Liberty Mutual Insurance | $177,732 | 4.99 |
9 | Hartford Insurance Group | $98,173 | 2.76 |
10 | CSAA Insurance Group | $74,934 | 2.1 |
You can choose from many Arizona car insurance carriers. At the end of the day, there is no such thing as The One Best Arizona Car Insurance Company. You just have to read some reviews and decide for yourself. Each auto insurance company is as different as each policyholder. However, these companies do remain competitive, so the major insurance carriers tend to keep up with each other’s discounts and price cuts. Do not be alarmed to learn that all car insurance companies get customer complaints, and all car insurance companies get sued every so often.
Drivers in the state of Arizona are well advised to compare auto insurance quotes between nearby zip codes and across different insurance companies if they really want to save money on Arizona car insurance.
What Types Of Car Insurance Do Arizona Drivers Need?
The legal minimum liability requirements for car insurance in the state of Arizona are $15,000 per person and $30,000 per accident for bodily injury liability, plus $10,000 in property damage insurance. However, these amounts can be quickly depleted by the cost of an auto accident.
United States insurance experts agree that Arizona drivers (as well as drivers in other states) buy more than the minimum amount of auto insurance coverage required by state law. The recommended amounts of coverage for all drivers in the United States are $100,000 for personal injury protection, $300,000 in per accident protection, and at least $50,000 to cover the cost of property damage.
Also recommended is uninsured and underinsured motorist protection (UMI), as more than 10 percent of Arizona drivers are uninsured, and most of the rest are underinsured.
Drivers in the state os Arizona who really want to sleep at night can always purchase comprehensive and collision coverage. These insurance products will cover the cost of repair to cars that are damaged by collision, fires, floods, flying objects, vandalism, and car theft, among other things.
Unusual Arizona State Traffic Laws
- In the state of Arizona, cars may not be driven in reverse.
- In Globe, it is illegal to play cards in the street with a Native American.
- In Prescott, no one is allowed to ride a horse up the steps of the county court house.
- In Goodyear, it is illegal to spit on a public sidewalk, crosswalk, highway, park, or building.
- In Litchfield Park, the maximum noise level for a motorcycle is 92 decibels. This is equal to the noise from a subway train, according to webmd.com.
Best And Worst Zip Codes For Arizona Car Insurance
The auto insurance premium rates of the various Arizona zip codes are affected by factors like population density, median annual income, median resident age, and neighborhood crime statistics like the rates of vandalism and car theft, as well as other demographic characteristics that tend to change from one zip code to another, even within the same state.
A comparison study has revealed the four most expensive zip codes (on average) to buy car insurance in the state of Arizona. In these zip codes, all of which are in Phoenix, annual premium rates can be as low as around $900, or as high as more than $2,100. Phoenix is the capital of Arizona, with a total population of more than 1.5 million.
Zip Code | Pop Density | Unemployed % | Poverty % |
85017 (Phoenix) | 7,639 | 11.40% | 38.90% |
The median resident age in this zip code is 26.7 years, more than 10 years younger than the Arizona state average of 36.4 years, because there are quite a few schools around here. The poverty rate is very high above the state average of 22.3 percent, and unemployment is also more than twice the state average of 5 percent. The high cost of Arizona car insurance makes sense in this neighborhood of more than 40,000 people.
Zip Code | Pop Density | Unemployed % | Poverty % |
85031 (Phoenix) | 6,990 | 13.80% | 50.40% |
This Phoenix neighborhood has a population of more than 28,000. The median resident age here is 27.0 years, again about a decade below the Arizona state average. This is partly because there are numerous schools in this neighborhood. Unemployment is more than twice the state average, and literally more than half of the residents of this zip code live at or below the poverty level.
Zip Code | Pop Density | Unemployed % | Poverty % |
85009 (Phoenix) | 2,999 | 9.00% | 51.80% |
This Phoenix zip code is home to nearly 47,000 people. The median resident age here is 28.2 years. This neighborhood features a lot of industrial plants, quite a few jails, and a juvenile detention home. Again, more than half the residents of this zip code live at or below the poverty level. Unemployment is less than twice the state average, which seems good, considering the poverty rate.
Zip Code | Pop Density | Unemployed % | Poverty % |
85019 (Phoenix) | 6,660 | 13.50% | 46.90% |
This zip code has a resident population of about 25,000. Unemployment is almost twice the state average. Poverty afflicts nearly half of this neighborhood’s population. Arizona car insurance rates are high, primarily because so many people don’t have car insurance.
Here is a list of the four least expensive zip codes (on average) in the state of Arizona to purchase car insurance. Annual premium rates can range anywhere from around $520 to more than $1,140.
Zip Code | Pop Density | Unemployed % | Poverty % |
86403 (Lake Havasu City) | 1,673 | 9.00% | 18.00% |
Lake Havasu City is located in Mohave County, about 200 miles northwest of Phoenix. This zip code is home to approximately 17,000 people. The median resident age in this neighborhood is 45.8 years, more than 8 years higher than the state average. The poverty rate is well below the state average of 22.3 percent. Unemployment is slightly high.
Zip Code | Pop Density | Unemployed % | Poverty % |
86409 (Kingman) | 78 | 18.00% | 16.50% |
Kingman is a city in Arizona, situated about 100 miles southeast of Las Vegas. This zip code has a resident population of about 26,000. The median resident age in this neighborhood is 46.7 years, more than 9 years above the state average. Unemployment is rather high around here, but the poverty rate falls below the state average. Population density is also low.
Zip Code | Pop Density | Unemployed % | Poverty % |
86404 (Lake Havasu City) | 98 | 12.30% | 14.80% |
The median resident age in this rural zip code is 56.9 years. Poverty is well below the state average, although unemployment is relatively high. There are several environmental facilities in this neighborhood. The high resident age is probably the biggest reason for the low rates on Arizona car insurance. The low population density may be another factor.
Zip Code | Pop Density | Unemployed % | Poverty % |
85635 (Sierra Vista) | 491 | 8.70% | 8.00% |
Sierra Vista is an Arizona town in Cochise County, about 80 miles southeast of Tucson, and 10 miles north of the Mexican border. The town has a resident population of about 44,000 people. Unemployment in this zip code is a bit above the state average of 5 percent. However, the poverty rate is a mere fraction of the state average.
All in all, the state of Arizona is home to 524 zip codes in 15 counties surrounding 265 cities, from Apache Junction to Yuma and all the way back again. Annual car insurance premium rates span a broad range between the cheapest zip codes and the priciest zip codes in the state of Arizona.
What are you waiting for? Get your online Arizona car insurance quotes today!
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