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 6^th among states in terms of square miles, it ranks only 14^th in total population, and only 33^rd 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, 21^st 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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

Other states