Arizona is one of the few states requiring drivers to carry auto insurance, but how much will your policy cost you depends on a variety of factors including driving record, coverage levels and credit score. MoneyGeek’s Arizona Car Insurance Calculator provides an easy and quick way to gain a ballpark estimate of annual or monthly car insurance costs; typically taking 10-15 minutes and helping you compare top providers in your area.
Our rate calculator considers Arizona’s minimum car insurance requirements (limited bodily injury and property damage liability coverage), along with additional policies like collision and comprehensive. Full-coverage policies tend to be more costly than minimum requirements, yet provide essential protection from costly damages caused by accidents or other incidents.
Addition to meeting state minimum limits, you may also consider expanding your coverages with additional uninsured/underinsured motorist (UIM) and personal injury protection coverages. While not required by law in your state, these may prove beneficial should one of your family members experience injuries in an accident.
Your vehicle type also plays an integral role in Arizona car insurance rates. In general, newer cars tend to cost less to insure than older ones and some can pose higher accident risks that require more comprehensive policies in order to mitigate them.
An impressive driving history can significantly lower auto insurance rates in Arizona. An accident, DUI charge or speeding ticket on their record can significantly increase rates; multiple incidents will only increase them further – so keeping up payments and working to clean up your driving history are vital steps towards saving money and protecting driving privileges in the long run.
Your location can play an influential role in the price of car insurance in Arizona, due to differing crime rates and population densities across different areas. According to WalletHub’s research, Tucson, Glendale and Phoenix tend to have higher premiums while Tolleson, Gilbert, and Surprise boast lower costs overall.
Marital status can also have an effect on Arizona car insurance rates. Single drivers tend to be seen by insurers as higher risks, so they will generally pay more. This may be because singles tend to drive flashier cars and have children not listed on their policy.
Addition of teen drivers will increase car insurance rates in Arizona. It is recommended to wait until they turn 18 before permitting them to drive your vehicle, however you can save on Arizona car insurance by bundling it with home or using Progressive’s Snapshot program to track driving habits and earn discounts based on safe driving skills. You could also save by consolidating all three insurance types into one provider.