Arizona Car Insurance (Coverage, Companies, & More)

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Road Miles Total in State: 102,018
Vehicle Miles Driven Annualy: 65,667 Million
Vehicles Registered Vehicles registered: 5,251,076
Vehicles Stolen: 10,141
Population 4,887,871
Most Popular Vehicle Ford F150
Percent of Motorists Uninsured 18.4%
State Rank 6
Driving Related Deaths Speeding: 257
DUI: 268
Average Premiums Liability: $372.57
Collison: $299.10
Comprehensive: $146.28
Full Coverage: $817.95
Cheapest Provider USAA

Want to be in four states at one time? Arizona is your place. At Four Corners in Arizona, you can be in Arizona, New Mexico, Colorado, and Utah. This sixth largest state became the last state of the contiguous United States in 1912.

Arizona is known for its beautiful sights, including, the Grand Canyon, the Hoover Dam, Petrified Forest, and even the original London Bridge that was dismantled in London and shipped to Arizona for reconstruction.

If you are lucky enough to call this fun-filled state home, you probably own a vehicle to get around to all these awesome sights. Who wants to be researching insurance when you can be boating on Lake Mead? Let us do the hard work. Read ahead to learn about insurance carriers in Arizona, as well as state laws and rules of the road.

And don’t forget, once you read and know all the facts regarding Arizona insurance you can even get a quote here.

Table of Contents

– Arizona Car Insurance Coverage and Rates

How much insurance do you need? That is usually the first question most people have when shopping for insurance.

We are going to take a look at how much insurance you need to legally drive your car on Arizona roadways and also some other coverages that may not be required by law but are good to ask your carrier about when getting an insurance quote. We are also going to take a brief look at the cheapest zipcodes on Arizona for insurance.

Let’s start with looking at requirements the law has for you, the driver. Minimum limits are financial responsibility are up first in this section.

– Arizona’s Car Culture

There are 668 drivers for every 1,000 residents in Arizona. That is a lot of drivers on the roads of Arizona. Arizonans are big fans of vintage and collectible cars. Every April, people travel to Tempe, Arizona to drive in a premier vintage car rally called the Copperstate 1000.

This isn’t the only vintage car show in the state, the prestigious Barrett-Jackson Collector Car Auction also takes place in Arizona. A week-long auction containing some of the world’s most collectible cars are sold in this auction.

– Minimum Coverage

Most states, if not all, will require minimum limits to legally drive your registered vehicle their roadways. Arizona has minimum limits by state law you need to keep on your vehicle.

If you are at fault, liability coverage is used for the other party involved that is NOT at fault. If you carry minimum limits and your policy is exhausted and does cover the entire loss, you could be held liable for damges not paid.

The below table shows the minimum liability limits required to drive in Arizona.

Insurance Required Minimum Limits: 15/30/10
Bodily Injury Liability $15,000 per person
$30,000 per accident
Property Damage Liability $10,000

We will look at additional coverages and endorsements below. While minimum limits may be the cheapest coverage, it is not always best to carry the lowest needed coverage. Talk to your insurance carrier about additional coverages.

– Forms of Financial Responsibility

Any time during a traffic stop, accident, or requested by a police officer you must show proof that you are financially responsible to have your registered vehicle on the road. Proof of financial responsibility includes your current insurance policy or insurance ID cards.

– Premiums as a Percentage of Income

How much of your paycheck is going to insurance?

Here is a table of the three-year trend in Arizona of what percentage of your paycheck is going towards insurance.

2014 2013 2012
2.80% 2.81% 2.75%

– Core Coverage

Most auto insurance policies consist of liability coverage, collision, comprehensive, or a combination of all three called full coverage. Liability covers the other person when you are at fault. Comprehension and collision cover your vehicle.

Here is a short video explaining the basic coverages of most insurance policies.

Below is a chart of average premiums compared to the national average for the above coverages.

Type of Coverage Average Cost in Arizona Average Cost Nationally
Liability $508.76 $538.73
Collision $277.96 $322.61
Comprehensive $186.12 $148.04
Combined $972.85 $1009.38

Arizona falls below the national average price in three out of four coverages. That is good news for Arizona drivers.

– Additional Liability

There is additional liability coverage you can add to your insurance policy. Medical payment coverage is to be used to cover the medical expenses of those in your vehicle at the time of an accident.

Uninsured and Underinsured motorist coverage protects you when you are involved in an accident and the other party doesn’t have any or enough insurance to cover your expenses.

Arizona is ranked 24th in the nation for uninsured motorist.

Loss Ratio is the ratio of claims paid to the premium earned. If your insurance carrier has a ratio of over one hundred percent, they are losing money. If they have a lower ratio, they aren’t paying out for claims.

Loss Ratio      
Type of Coverage 2014 2013 2012
Medical Payments 69.21 %
77.92% 83.60%
Uninsured/Underinsured Motorist Coverage 75.40 % 81.35 % 84.52%

– Add-ons, Endorsements, and Riders

Below is a list of additional endorsements you can discuss with your insurance carrier to see if they are a good fit for your insurance needs.

– Demographic Rates – Male vs. Female vs. Age

There are certain demographics that will change the rate of your insurance premium. Younger drivers will always pay more for car insurance due to their inexperience on the road. Here is a table showing average premiums by gender, age, and marital status.

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
Allstate F&C $3,475.85 $3,475.85 $3,384.12 $3,384.12 $7,562.62 $9,796.63 $3,890.24 $4,230.29
American Family Mutual $2,748.94 $2,748.94 $2,524.19 $2,524.19 $7,241.04 $9,439.65 $2,748.94 $3,227.56
Farmers Ins Co of AZ $2,679.47 $2,677.67 $2,381.02 $2,534.04 $11,538.29 $11,976.04 $3,034.99 $3,144.34
Geico Cas $1,544.04 $1,721.95 $1,303.63 $1,659.36 $4,418.49 $4,657.44 $1,408.73 $1,388.68
NICOA $2,354.06 $2,397.60 $2,105.21 $2,230.55 $5,791.09 $7,418.71 $2,714.31 $2,934.32
Progressive Advance Ins $1,977.89 $1,731.84 $1,776.60 $1,687.27 $8,119.66 $9,061.45 $2,128.03 $2,116.05
State Farm Mutual Auto $2,878.25 $2,878.25 $2,538.55 $2,538.55 $8,933.99 $11,220.20 $3,098.04 $3,919.15
Travelers Property Casualty $1,942.75 $2,042.96 $1,800.08 $1,912.79 $5,643.46 $7,078.41 $2,057.04 $2,162.23
USAA $1,682.06 $1,686.88 $1,569.71 $1,589.18 $6,306.70 $7,232.99 $2,216.43 $2,377.31

– Cheapest Rates by Zip Code

We have compiled data showing the average premium for each zip code in Arizona. Take a look at the below table and see where your zip code lands on the list.

Zipcode Average
85009 $5,479.07
85017 $5,440.43
85019 $5,367.13
85031 $5,339.76
85035 $5,223.71
85033 $5,221.61
85015 $5,175.99
85051 $5,127.30
85040 $5,115.68
85041 $5,101.83
85021 $5,092.07
85006 $5,079.52
85034 $5,069.47
85013 $5,037.15
85043 $5,027.59
85004 $5,011.05
85012 $5,006.68
85007 $5,005.43
85003 $4,990.72
85301 $4,990.47
85303 $4,986.06
85029 $4,978.32
85025 $4,976.47
85042 $4,882.91
85020 $4,842.66
85014 $4,828.12
85304 $4,822.54
85302 $4,815.47
85008 $4,811.38
85037 $4,789.84
85073 $4,784.43
85023 $4,773.40
85026 $4,761.38
85016 $4,724.98
85053 $4,710.51
85065 $4,687.34
85306 $4,665.88
85353 $4,640.27
85018 $4,633.03
85339 $4,582.09
85032 $4,577.50
85022 $4,570.10
85039 $4,545.78
85305 $4,542.50
85024 $4,514.91
85028 $4,493.67
85097 $4,465.79
85307 $4,438.79
85204 $4,436.03
85027 $4,430.41
85054 $4,428.40
85345 $4,412.01
85381 $4,401.49
85254 $4,397.37
85256 $4,390.03
85050 $4,372.54
85335 $4,371.02
85308 $4,358.47
85283 $4,348.51
85259 $4,341.31
85392 $4,327.13
85253 $4,326.68
85282 $4,322.90
85213 $4,321.40
85083 $4,319.39
85251 $4,312.62
85383 $4,308.86
85201 $4,304.78
85323 $4,298.64
85309 $4,294.56
85210 $4,287.22
85250 $4,284.61
85142 $4,280.17
85281 $4,264.20
85203 $4,259.86
85260 $4,250.29
85202 $4,247.66
85355 $4,243.07
85310 $4,227.35
85045 $4,222.94
85257 $4,215.78
85382 $4,213.83
85224 $4,204.05
85044 $4,197.17
85233 $4,196.13
85709 $4,182.37
85236 $4,177.21
85363 $4,176.27
85205 $4,155.89
85048 $4,155.67
85085 $4,155.28
85140 $4,154.32
85225 $4,147.54
85331 $4,145.70
85705 $4,143.15
85379 $4,138.72
85378 $4,134.78
85258 $4,126.62
85208 $4,125.77
85143 $4,122.39
85340 $4,118.30
85284 $4,117.19
85234 $4,110.61
85087 $4,110.13
85287 $4,109.34
85721 $4,107.98
85701 $4,104.27
85706 $4,101.80
85206 $4,100.51
85746 $4,099.26
85326 $4,095.34
85296 $4,094.36
85713 $4,093.28
85249 $4,092.89
85190 $4,092.31
85295 $4,091.16
85634 $4,088.89
85297 $4,088.49
85209 $4,088.34
85264 $4,086.90
85388 $4,086.12
85266 $4,082.91
85329 $4,082.69
85086 $4,077.70
85255 $4,077.48
85716 $4,072.70
85212 $4,071.47
85215 $4,071.12
85749 $4,070.09
85286 $4,068.77
85715 $4,064.47
85735 $4,059.79
85756 $4,059.22
85226 $4,057.95
85619 $4,051.58
85396 $4,046.68
85750 $4,040.40
85268 $4,038.21
85374 $4,034.49
85719 $4,029.02
85298 $4,026.05
85712 $4,024.04
85711 $4,023.08
85714 $4,018.98
85343 $4,007.86
85207 $4,006.69
85377 $4,001.55
85322 $4,001.45
85639 $3,998.67
85718 $3,998.52
85745 $3,998.37
85354 $3,997.86
85127 $3,995.29
85117 $3,987.17
85338 $3,985.25
85710 $3,982.43
85730 $3,968.90
85263 $3,967.18
85119 $3,965.91
85704 $3,960.21
85652 $3,948.95
85337 $3,939.71
85145 $3,939.04
85748 $3,938.35
85757 $3,934.67
85128 $3,923.76
85262 $3,922.59
85351 $3,922.28
85708 $3,920.98
85118 $3,919.71
86545 $3,914.86
85120 $3,913.33
85141 $3,913.19
85743 $3,910.56
85736 $3,905.43
85741 $3,900.23
85138 $3,896.63
85747 $3,890.96
85178 $3,882.59
85248 $3,874.66
85373 $3,874.30
85173 $3,873.95
85139 $3,868.51
86042 $3,867.09
85172 $3,861.28
85737 $3,858.54
85352 $3,858.52
86514 $3,856.93
85395 $3,853.17
85654 $3,852.42
85121 $3,851.96
86054 $3,847.65
86507 $3,847.54
85361 $3,840.91
85742 $3,837.29
86520 $3,837.21
85147 $3,834.21
86540 $3,833.85
85387 $3,815.58
85191 $3,814.67
85342 $3,811.03
85193 $3,810.93
86538 $3,803.83
86544 $3,796.43
86535 $3,796.36
85341 $3,785.13
86030 $3,783.66
85320 $3,783.33
86547 $3,783.24
86503 $3,782.50
85135 $3,778.59
86556 $3,776.95
86043 $3,776.32
86034 $3,766.79
86510 $3,763.28
86028 $3,760.37
85658 $3,751.63
86033 $3,750.71
85641 $3,744.23
85132 $3,742.07
85653 $3,739.64
86039 $3,737.81
85130 $3,731.01
86045 $3,728.73
85194 $3,728.32
85123 $3,726.25
86506 $3,722.89
86011 $3,721.68
85122 $3,719.09
86044 $3,718.25
85633 $3,704.13
86512 $3,700.49
86053 $3,699.78
85631 $3,694.45
85755 $3,688.49
85131 $3,679.69
86029 $3,678.65
85375 $3,677.92
86511 $3,668.22
86502 $3,665.74
85623 $3,663.96
85321 $3,663.61
85324 $3,658.23
86504 $3,654.99
85601 $3,652.75
86515 $3,646.33
86020 $3,632.29
85739 $3,619.28
86508 $3,615.14
85371 $3,608.46
86342 $3,602.74
86505 $3,601.82
85618 $3,601.62
85192 $3,599.16
85545 $3,594.35
85629 $3,576.57
86333 $3,575.09
86035 $3,572.33
85542 $3,556.80
85554 $3,552.79
85357 $3,550.17
86017 $3,549.75
85333 $3,545.31
85541 $3,542.69
86052 $3,541.15
85137 $3,539.95
85648 $3,517.07
85539 $3,514.98
86016 $3,505.09
85637 $3,502.45
85553 $3,501.75
85550 $3,499.88
85941 $3,498.58
86329 $3,497.62
85640 $3,496.80
85551 $3,491.50
85621 $3,485.34
86031 $3,483.49
85336 $3,480.34
85332 $3,478.45
85356 $3,471.60
85364 $3,471.33
86038 $3,468.41
86336 $3,461.76
85942 $3,459.02
85646 $3,458.82
86032 $3,454.29
85347 $3,447.64
85501 $3,442.58
85645 $3,438.93
86024 $3,437.97
85350 $3,437.31
86343 $3,435.10
85923 $3,434.67
85911 $3,428.57
85926 $3,427.85
85929 $3,427.23
85544 $3,419.60
85390 $3,417.77
86435 $3,414.68
85939 $3,411.93
85937 $3,409.59
85936 $3,403.85
85930 $3,398.10
85933 $3,395.09
85931 $3,391.50
85349 $3,388.99
85611 $3,388.48
86322 $3,383.71
85365 $3,379.90
85925 $3,378.33
85924 $3,376.75
85901 $3,375.43
85348 $3,375.09
86331 $3,370.85
85928 $3,365.60
86025 $3,365.50
85934 $3,363.95
86335 $3,359.64
85932 $3,355.92
85362 $3,355.88
85935 $3,345.96
86036 $3,344.54
85624 $3,336.54
86040 $3,334.36
86047 $3,326.05
86351 $3,325.88
86303 $3,325.79
86023 $3,321.65
85620 $3,314.68
85367 $3,312.32
86001 $3,311.29
85622 $3,311.04
86338 $3,305.64
86305 $3,297.11
86015 $3,295.68
85938 $3,294.82
86327 $3,292.79
86004 $3,281.82
86412 $3,281.51
85927 $3,280.38
86046 $3,277.84
85606 $3,276.63
85530 $3,274.95
86332 $3,274.94
85626 $3,274.81
86005 $3,270.90
86320 $3,270.76
86018 $3,269.84
85328 $3,268.41
85940 $3,262.34
85334 $3,259.55
86325 $3,250.42
85630 $3,248.06
86326 $3,245.38
86021 $3,237.46
86301 $3,237.46
85325 $3,235.03
86337 $3,230.71
85346 $3,229.17
86324 $3,226.21
85603 $3,224.92
86321 $3,215.77
85344 $3,215.70
85614 $3,207.92
86323 $3,203.10
85602 $3,189.32
86314 $3,189.06
85920 $3,184.68
85922 $3,172.97
86334 $3,163.32
86315 $3,162.06
85531 $3,159.24
85535 $3,150.21
86434 $3,148.39
85627 $3,144.53
85613 $3,140.67
85546 $3,139.80
86432 $3,127.87
85609 $3,127.23
86022 $3,123.68
86440 $3,116.16
86433 $3,113.95
85360 $3,111.59
85605 $3,107.00
85536 $3,104.83
86441 $3,104.40
85617 $3,097.49
86445 $3,093.35
85543 $3,092.48
85638 $3,090.81
85632 $3,073.06
85650 $3,069.53
86426 $3,066.87
85625 $3,064.05
85643 $3,059.48
86413 $3,059.25
85615 $3,057.81
85616 $3,055.06
85552 $3,053.07
86411 $3,049.80
86443 $3,049.56
85534 $3,049.17
85635 $3,048.77
86437 $3,039.01
85540 $3,031.96
86442 $3,031.71
86406 $3,027.97
86429 $3,025.22
85533 $3,017.43
86444 $3,013.06
85610 $3,009.40
86401 $2,996.32
85607 $2,984.01
86438 $2,982.40
86431 $2,977.28
86436 $2,951.90
86409 $2,949.61
86404 $2,896.40
86403 $2,883.46

– Cheapest Rates by City

Now that we have broken the rates down by zip code, let’s take a look at the breakdown by cities.

LAKE HAVASU CITY $2,935.94
TOPOCK $2,951.90
KINGMAN $2,972.97
CHLORIDE $2,977.28
YUCCA $2,982.40
DOUGLAS $2,984.01
ELFRIDA $3,009.41
MEADVIEW $3,013.06
CLIFTON $3,017.43
BULLHEAD CITY $3,028.47
MORENCI $3,031.96
VALENTINE $3,039.01
DUNCAN $3,049.17
TEMPLE BAR MARINA $3,049.56
HACKBERRY $3,049.80
THATCHER $3,053.07
HUACHUCA CITY $3,055.06
HEREFORD $3,057.81
SIERRA VISTA $3,059.16
GOLDEN VALLEY $3,059.25
WILLCOX $3,059.48
PEARCE $3,064.05
FORT MOHAVE $3,066.87
SAN SIMON $3,073.06
TOMBSTONE $3,090.81
PIMA $3,092.48
WILLOW BEACH $3,093.35
MC NEAL $3,097.49
DOLAN SPRINGS $3,104.40
FORT THOMAS $3,104.83
BOWIE $3,107.00
WIKIEUP $3,111.59
OATMAN $3,113.95
MOHAVE VALLEY $3,116.16
FREDONIA $3,123.68
DRAGOON $3,127.23
LITTLEFIELD $3,127.87
SAFFORD $3,139.80
FORT HUACHUCA $3,140.67
POMERENE $3,144.53
PEACH SPRINGS $3,148.39
EDEN $3,150.21
CENTRAL $3,159.24
PAULDEN $3,163.32
BLUE $3,172.97
PRESCOTT VALLEY $3,175.56
ALPINE $3,184.68
BENSON $3,189.32
CHINO VALLEY $3,203.10
PARKER $3,215.70
BAGDAD $3,215.77
BISBEE $3,224.92
CLARKDALE $3,226.21
QUARTZSITE $3,229.17
SELIGMAN $3,230.71
BOUSE $3,235.03
COLORADO CITY $3,237.46
COTTONWOOD $3,245.38
SAINT DAVID $3,248.06
CORNVILLE $3,250.42
GREEN VALLEY $3,259.48
EHRENBERG $3,259.55
VERNON $3,262.34
CIBOLA $3,268.41
PARKS $3,269.85
ASH FORK $3,270.76
#N/A $3,270.90
PIRTLEVILLE $3,274.81
BYLAS $3,274.95
KIRKLAND $3,274.95
COCHISE $3,276.63
WILLIAMS $3,277.85
GREER $3,280.38
HUALAPAI $3,281.51
PRESCOTT $3,286.79
DEWEY $3,292.79
SPRINGERVILLE $3,294.82
BELLEMONT $3,295.68
SKULL VALLEY $3,305.64
NACO $3,314.68
GRAND CANYON $3,321.65
WINSLOW $3,326.05
PAGE $3,334.36
PATAGONIA $3,336.54
MARBLE CANYON $3,344.54
PINETOP $3,345.96
YARNELL $3,355.88
NUTRIOSO $3,355.92
RIMROCK $3,359.65
PINEDALE $3,363.95
HOLBROOK $3,365.51
HEBER $3,365.60
JEROME $3,370.85
SALOME $3,375.09
SHOW LOW $3,375.43
CONCHO $3,376.75
EAGAR $3,378.33
CAMP VERDE $3,383.71
YUMA $3,387.85
ELGIN $3,388.48
SAN LUIS $3,388.99
FOREST LAKES $3,391.50
SEDONA $3,393.82
OVERGAARD $3,395.09
MCNARY $3,398.10
SAINT JOHNS $3,403.85
SNOWFLAKE $3,409.59
TAYLOR $3,411.93
SUPAI $3,414.68
WICKENBURG $3,417.77
PINE $3,419.60
LAKESIDE $3,427.23
FORT APACHE $3,427.85
CIBECUE $3,428.57
CLAY SPRINGS $3,434.66
CROWN KING $3,435.10
SOMERTON $3,437.31
HAPPY JACK $3,437.97
FLAGSTAFF $3,438.26
AMADO $3,438.93
GLOBE $3,442.58
ROLL $3,447.64
JOSEPH CITY $3,454.29
TUBAC $3,458.82
WOODRUFF $3,459.02
MORMON LAKE $3,468.41
WELLTON $3,471.60
CONGRESS $3,478.45
GADSDEN $3,480.34
INDIAN WELLS $3,483.49
NOGALES $3,485.34
SOLOMON $3,491.50
TUMACACORI $3,496.80
HUMBOLDT $3,497.62
WHITERIVER $3,498.58
SAN CARLOS $3,499.88
TONTO BASIN $3,501.75
SONOITA $3,502.45
GRAY MOUNTAIN $3,505.10
MIAMI $3,514.98
RIO RICO $3,517.07
KEARNY $3,539.95
NORTH RIM $3,541.15
PAYSON $3,542.69
DATELAND $3,545.31
MUNDS PARK $3,549.75
WENDEN $3,550.17
YOUNG $3,552.79
PERIDOT $3,556.80
LEUPP $3,572.33
MAYER $3,575.09
SAHUARITA $3,576.57
ROOSEVELT $3,594.35
WINKELMAN $3,599.16
MAMMOTH $3,601.62
GANADO $3,601.82
LAKE MONTEZUMA $3,602.74
POSTON $3,608.46
LUPTON $3,615.14
CAMERON $3,632.29
WINDOW ROCK $3,646.33
ARIVACA $3,652.75
FORT DEFIANCE $3,654.99
BLACK CANYON CITY $3,658.23
AJO $3,663.61
ORACLE $3,663.96
CHAMBERS $3,665.74
SAINT MICHAELS $3,668.22
SUN CITY WEST $3,677.92
SUN VALLEY $3,678.65
ELOY $3,679.68
SAN MANUEL $3,694.45
KAIBETO $3,699.78
SANDERS $3,700.49
SASABE $3,704.14
TONALEA $3,718.25
HOUCK $3,722.89
ARIZONA CITY $3,726.26
TUBA CITY $3,728.73
KYKOTSMOVI VILLAGE $3,737.81
FLORENCE $3,742.07
VAIL $3,744.23
MARANA $3,745.64
CASA GRANDE $3,747.34
KAYENTA $3,750.71
PETRIFIED FOREST NATL PK $3,760.37
PINON $3,763.28
KEAMS CANYON $3,766.79
SECOND MESA $3,776.32
TSAILE $3,776.95
HAYDEN $3,778.59
CHINLE $3,782.50
ROUND ROCK $3,783.24
AGUILA $3,783.33
HOTEVILLA $3,783.66
LUKEVILLE $3,785.13
DENNEHOTSO $3,796.36
RED VALLEY $3,796.43
MANY FARMS $3,803.83
MORRISTOWN $3,811.03
VALLEY FARMS $3,814.67
NAZLINI $3,833.85
SACATON $3,834.21
BLUE GAP $3,837.21
WITTMANN $3,840.91
LUKACHUKAI $3,847.54
SHONTO $3,847.65
BAPCHULE $3,851.96
RILLITO $3,852.42
TEEC NOS POS $3,856.93
TACNA $3,858.52
STANFIELD $3,861.28
POLACCA $3,867.09
SUPERIOR $3,873.95
MARICOPA $3,882.57
SUN CITY $3,898.29
PICACHO $3,913.19
ROCK POINT $3,914.86
GOODYEAR $3,919.22
GOLD CANYON $3,919.71
COOLIDGE $3,923.76
APACHE JUNCTION $3,937.25
RED ROCK $3,939.04
GILA BEND $3,939.71
CORTARO $3,948.95
RIO VERDE $3,967.18
TUCSON $3,988.09
CHANDLER HEIGHTS $3,995.29
TONOPAH $3,997.86
TOPAWA $3,998.67
ARLINGTON $4,001.45
CAREFREE $4,001.55
PALO VERDE $4,007.86
FOUNTAIN HILLS $4,038.21
SURPRISE $4,041.94
MOUNT LEMMON $4,051.58
BUCKEYE $4,071.01
CHANDLER $4,074.31
CASHION $4,082.69
FORT MCDOWELL $4,086.90
SELLS $4,088.89
TORTILLA FLAT $4,092.31
GILBERT $4,101.13
NEW RIVER $4,110.13
LITCHFIELD PARK $4,118.30
SAN TAN VALLEY $4,138.36
CAVE CREEK $4,145.71
YOUNGTOWN $4,176.27
HIGLEY $4,177.21
MESA $4,190.52
SCOTTSDALE $4,218.33
TEMPE $4,232.43
WADDELL $4,243.07
QUEEN CREEK $4,280.17
GLENDALE LUKE AFB $4,294.56
AVONDALE $4,312.89
PARADISE VALLEY $4,326.68
PEORIA $4,334.05
EL MIRAGE $4,371.02
LAVEEN $4,582.09
TOLLESON $4,640.27
GLENDALE $4,649.73
PHOENIX $4,804.67

– Best Arizona Car Insurance Companies

We know that we have to keep insurance on any registered vehicle. Now, we are going to compare companies. Price is just part of the equation in finding an insurance company. We are going to look at which companies are the largest, best customer service, and which ones have the best rates for quoting criteria.

Read on to find out which company may be a good fit for your Arizona car insurance.

– The Largest Companies Financial Rating

AM Best is a global crediting agency focusing on insurance companies. We use this rating as an indication of financial stability.

Providers by Size Rating
State Farm
A++
Berkshire Hathaway A++
Progressive A+
Farmers A
Allstate A+
USAA A++
Liberty Mutual A
American Family A
Hartford A+
CSAA A

You are in good hands with the largest companies in Arizona. The top ten companies have received an A or higher rating.

– Companies with Best Ratings

A company may have good rates and financial standing, but are they good to its customers? Price may be a good selling point to new customers but having great customer service is what will keep your customers.

Below is the ranking for overall customer satisfaction in the Southwest.

– Companies with Most Complaints in Arizona

Every company will eventually get a bad review or complaint. If a company gets an excessive amount of complaints, then that is something you should watch out for when picking an insurance company.

This table shows the number of complaints along with the ratio. Remember, the larger a company is the more insureds they will have and they could have more complaints. It is good to look at the ratio as a solid indicator of the true amount of complaints a company receives.

Company Complaint Ratio Number of Complaints
State Farm Group 0.44 1482
Geico 0.68 333
Progressive Group 0.75 120
Farmers Insurance Group 0 0
Allstate Insurance Group 0.5 163
USAA Group 0.74 296
Liberty Mutual Group 5.95 222
American Family Insurance Group 0.79 73
Hartford Fire & Casualty Group 4.68 9
CSAA Insurance Group 3.97 6

– Commute Rates by Companies

Do you have a long commute to work every day? The average Arizonan has a commute of over 25 minutes. Let’s take a look to see if the long commutes really make a difference in your insurance rates.

Company Commute/Annual miles Premium
Farmers 10 miles commute. 6000 annual mileage. $4,995.73
Farmers 25 miles commute. 12000 annual mileage. $4,995.73
Allstate 10 miles commute. 6000 annual mileage. $4,899.96
Allstate 25 miles commute. 12000 annual mileage. $4,899.96
State Farm 25 miles commute. 12000 annual mileage. $4,870.20
State Farm 10 miles commute. 6000 annual mileage. $4,631.04
American Family 25 miles commute. 12000 annual mileage. $4,190.54
American Family 10 miles commute. 6000 annual mileage. $4,110.32
Progressive 10 miles commute. 6000 annual mileage. $3,574.85
Progressive 25 miles commute. 12000 annual mileage. $3,574.85
Nationwide 10 miles commute. 6000 annual mileage. $3,493.23
Nationwide 25 miles commute. 12000 annual mileage. $3,493.23
USAA 25 miles commute. 12000 annual mileage. $3,116.03
Travelers 10 miles commute. 6000 annual mileage. $3,079.97
Travelers 25 miles commute. 12000 annual mileage. $3,079.97
USAA 10 miles commute. 6000 annual mileage. $3,049.29
Geico 25 miles commute. 12000 annual mileage. $2,301.06
Geico 10 miles commute. 6000 annual mileage. $2,224.53

Some companies do not surcharge for longer commutes, while others have a very minimal rate increase for more miles covered in a year.

– Coverage Level Rates by Companies

Many drivers looking for insurance assume when you get a much higher coverage you will be paying a lot more out of pocket. The below table shows the premium difference between high, medium, and low coverage. It is surprising to see how little some companies vary with a difference of coverage.

You should always quote out your insurance. It can never hurt to request a quote for higher coverage to see exactly what the cost will be.

Group Coverage Type Annual Average
Farmers High $5,680.28
Allstate High $5,188.57
State Farm High $5,138.26
Farmers Medium $5,047.56
Allstate Medium $4,926.32
State Farm Medium $4,837.71
Allstate Low $4,584.99
American Family Medium $4,282.99
State Farm Low $4,275.90
Farmers Low $4,259.36
American Family High $4,173.07
American Family Low $3,995.23
Progressive High $3,929.72
Progressive Medium $3,639.87
Nationwide High $3,603.30
Nationwide Medium $3,529.03
Travelers High $3,354.49
Nationwide Low $3,347.36
USAA High $3,282.03
Progressive Low $3,154.96
Travelers Medium $3,127.90
USAA Medium $3,125.01
USAA Low $2,840.93
Travelers Low $2,757.50
Geico High $2,586.17
Geico Medium $2,295.09
Geico Low $1,907.11

– Credit History Rates by Companies

A credit-based insurance score is used in determining a rate for a driver. A credit-based score differs from a regular credit score. A credit rating for insurance takes a look at your credit at a certain time frame.

Some people do not understand that your credit will affect not only large purchases and interest rates, but it is also used in determining your insurance rates.

Below was accumulated rates based on good, fair, and poor credit rates so you can see just how much your credit determines your insurance rate.

State Farm Poor 8740.46
Allstate Poor 6268.01
Farmers Poor 5691.27
American Family Poor 5217.99
Farmers Fair 4764.49
Farmers Good 4531.43
Allstate Fair 4462.15
Nationwide Poor 4203.65
USAA Poor 4057.11
Progressive Poor 3988.93
Allstate Good 3969.73
American Family Fair 3885.37
Travelers Poor 3750.98
Progressive Fair 3482.51
State Farm Fair 3387.26
American Family Good 3347.92
Nationwide Fair 3345.92
Progressive Good 3253.11
Geico Poor 3108.67
Travelers Fair 3058.12
Nationwide Good 2930.12
USAA Fair 2833.38
Travelers Good 2430.8
USAA Good 2357.49
State Farm Good 2124.14
Geico Fair 2039.68
Geico Good 1640.02

– Driving Record Rates by Companies

The most known factor that affects your insurance rate would probably be your driving record. A clean record will obviously be the lowest rating due to your driving record, but below you can see just how much that speeding ticket will cost you.

Insurance Company Driving Record Annual Average
American Family With 1 DUI $5,673.56
Allstate With 1 DUI $5,631.44
Farmers With 1 accident $5,444.19
Farmers With 1 DUI $5,312.44
State Farm With 1 accident $5,180.16
Allstate With 1 speeding violation $5,078.95
Farmers With 1 speeding violation $5,006.52
Allstate With 1 accident $4,964.56
State Farm With 1 DUI $4,750.62
State Farm With 1 speeding violation $4,750.62
Nationwide With 1 DUI $4,602.36
American Family With 1 accident $4,574.11
State Farm Clean record $4,321.08
USAA With 1 DUI $4,237.25
Farmers Clean record $4,219.77
Progressive With 1 accident $4,152.77
Allstate Clean record $3,924.91
Progressive With 1 speeding violation $3,663.97
Travelers With 1 DUI $3,572.38
American Family With 1 speeding violation $3,414.84
Progressive With 1 DUI $3,328.96
Nationwide With 1 speeding violation $3,306.90
USAA With 1 accident $3,212.15
Travelers With 1 accident $3,210.80
Geico With 1 DUI $3,170.22
Progressive Clean record $3,153.69
Nationwide With 1 accident $3,107.91
Travelers With 1 speeding violation $3,072.34
Nationwide Clean record $2,955.75
American Family Clean record $2,939.21
USAA With 1 speeding violation $2,639.09
Travelers Clean record $2,464.33
Geico With 1 accident $2,370.73
USAA Clean record $2,242.13
Geico Clean record $1,755.11
Geico With 1 speeding violation $1,755.11

Clearly, a DUI will drastically increase your premium more than any other traffic violation. Not only can a DUI cost you in your insurance premium, but as you read further you can also see how else having a DUI can affect you.

– Largest Car Insurance Companies in Arizona

Below is a list of the ten largest insurance carriers in Arizona and their share of the market.

Insurance Company Premiums Written Market Share
State Farm $818,982 16.87 %
Berkshire Hathaway $723,482 14.91 %
Progressive $513,333 10.58 %
Farmers $393,157 8.10 %
Allstate $369,153 7.61 %
USAA $362,766 7.47 %
Liberty Mutual $279,343 5.76 %
American Family $276,833 5.70 %
Hartford $109,174 2.25 %
CSAA Insurance $100,187 2.06 %

– Number of Insurers by State

Insurers are divided into foreign or domestic. Most people think foreign and think of another country. In the insurance world, it just means the company was founded in a different state but can still write in other states.

Property and Casualty Insurance  
Domestic 40
Foreign 943
Total 983

– Arizona State Laws

Every state has its own set of laws, some overlap and some are different depending on the state. In this next section, we are going to look at some different car insurance laws including registration laws, rules of the road, and safety laws.

It’s good to take a look at the laws pertaining to your state. This can avoid unwanted fees and suspensions. Read ahead to save yourself the hassle of being caught off guard when driving Arizona.

– Vehicle Licensing Laws

First, we are going to go over licensing laws. This will cover license renewal, for all ages, along with driving without insurance and what to do if you are a new resident of Arizona.

Also, Arizona is compliant with the Real ID Act of 2005. This means there are certain established security standards for issuing any government identification including driver’s licenses.

– Penalties for Driving Without Insurance

Driving without insurance can cause a lot of problems. It is against the law, you could have unwanted fines, and even lose your license. Not to mention, if you have an accident while driving uninsured, you could have serious bills for you and the other party involved.

Penalty First Offense Second Offense within three years
Fine $500 minimum $750 minimum
License, registration, and license plate suspension Three months Six months

Arizona law does not take driving without insurance lightly. Think before you get behind a wheel without insurance.

– Teen Driver Laws

Your driver’s license is a rite of passage. Most kids are so happy to finally hit the open roads and have some freedom. Arizona makes sure that freedom has some boundaries and they have rules and regulation for younger drivers.

Type of License Age Requirement Pre-Requisites Passenger Restrictions Driving Restrictions
Learner's License Minimum 15 years six months Pass vision and written tests Must have a 21-year-old or older licensed driver in the passenger seat
Intermediate License Minimum 16 years Six months holding period
Minimum 30 hours (10 of which at night) supervised driving
Limit of one passenger younger than 18 (except when the passengers are siblings, or when a licensed parent or legal guardian occupies the passenger seat)* No driving between midnight and five a.m. (Except with a licensed parent or legal guardian in the passenger seat, or when traveling to and from work, school, or religious activities, or for family emergencies)*
Unrestricted License Minimum 18 years Passing vision, written, and road tests none none
*Restrictions in place only for the first 6 months receiving the intermediate license.

– Older Driver License Renewal Procedures

If you are over sixty-five years of age, you must renew your license every five years. Renewal, at any age, must be done in person and show proof of adequate vision.

– License Renewal Procedures

If you are under the age of sixty-five, license renewal is every 12 years. As mentioned earlier, all renewals must be in person and proof of adequate vision must be presented.

– New Residents

Welcome to Arizona! If you are a legal resident of Arizona, you must obtain a driver’s license. If you are transferring from another state, your written and road test may be waived. A vision test may still be needed. You must also have your social security number for identification purposes.

– Car Insurance Laws

Now we are going to switch gears and talk about car insurance laws. We are going to visit topics about windshields, fraud, high-risk insurance, and more!

– Windshield Coverage

As a consumer in Arizona, you have the right to chose your repair shop and if aftermarket parts are used. There is also an optional coverage you can select to have a zero deductible for glass repair.

– High-Risk Insurance

If your insurance has been suspended for any reason, you may need to have SR-22 filing. This is a filing showing proof of financial responsibility. This filing may be required for three years after a suspension. Your insurance carrier can file the SR-22.

– Automobile Insurance Fraud in Arizona

Auto insurance fraud is classified as a crime in Arizona, as it is in most states. Fraud can range from providing false information on an application, an adjustor falsifying a claim, to even staging accidents that never happen.

Below is a list of the penalty and fines that may be imposed when convicted of insurance fraud.

Type of Penalty Imprisonment Fine Civil Penalty
Class 6 Felony Up to 10 years Up to $150,000 Up to $5,000

– Statute of Limitations

Statute of limitations is the time you have to file a claim. Once the time has expired, you will no longer be able to file. In Arizona, you have two years from the claim date to file for injury or property damage.

It is always best to file claims as soon as possible to avoid missing your open window to file and obtain compensation.

– Rules of the Road

Knowing the rules of the road will help prevent fines and points on your driving record. We are now going to look at laws specific to Arizona. We will look at seatbelt and car seat laws along with speed limits and more.

– Fault vs. No-Fault

Arizona follows a fault-based system. This means when you are at fault in an accident, you are to pay and the other party involved can file a claim directly with the company insuring the at-fault driver.

– Seat belt and car seat laws (IIHS)

Arizona law states that all passengers fifteen and older sitting in the front seat must use a seat belt. If you are found guilty of breaking this law, you will have a fine.

The law also states a child five and younger must be in a car seat.

– Keep Right and Move Over Laws

If you are driving slower than the normal speed of traffic, you should stay in the right lane. State law also requires you to slow and move to the lane, when safe, furthest away from safety and emergency vehicles.

– Speed Limits

Speed limits are posted on all major roadways. Below is a chart of speed limits in Arizona.

Rural freeways and interstate highways Urban freeways and interstate highways Residential and business districts School zones Alleys
75 mph 65 mph 25 mph 15 mph 15 mph

– Ridesharing

Ridesharing is becoming a growing business in the United States. Uber, Lyft, and companies alike are offering quick, fast rides to pretty much anywhere. If you are using your vehicles for ridesharing, it is necessary to check with your insurance company to guarantee there are no gaps in your coverages.

– Automation on the Road

Vehicles are becoming more automated than ever. Arizona permits the deployment of a car with a licensed operator.

– Safety Laws

Next, we are going to briefly go over important safety laws that keep everyone on the road alive.

– DUI Laws (sheet // Responsibility.org)

We saw earlier that a DUI can drastically raise your insurance rates, but there is so much more than raised insurance. Below are two tables showing DUI offenses and punishments. The first table is for a standard DUI; the second table is for an extreme DUI for a blood alcohol content over 0.15 percent.

Penalty Type First Offense Second Offense Third and Subsequent Offenses
Revoked License 30-60 days one year one year
Imprisonment minimum one to 10 days minimum 30-90 days minimum four months
Fine $250 $500 $750
Penalty First Offense Second Offense
Imprisonment 30 consecutive days minimum 120 days minimum
Fine $2,500 minimum $3,250 minimum
Ignition interlock device required required
Other Alcohol screening/education/treatment
Perform community service
Alcohol screening/education/treatment
Perform community service
license revoked for one year

Prison, fines, and license suspension are all consequences of being convicted of a DUI.

– Marijuana-Impaired Driving Laws

Arizona has state law against driving under the influence of marijuana. There is no tolerance policy for any THC or metabolites.

– Distracted Driving Laws

Arizona has distracted driving laws in place, see table below.

Hand-held ban Young driver cell phone ban Texting ban Enforcement
no learner's permit holders and intermediate license holders during the first six months after licensing learner's permit holders and intermediate license holders during the first six months after licensing secondary

Please be aware of some cities, including Flagstaff and Phoenix, having a texting ban and some have handheld bans.

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– Driving in Arizona

Did you know that some vehicles are more prone to theft than others? In this next section, we are going to cover vehicle thefts and also look at road fatalities. We will narrow down when, where, and who are in fatal crashes on the roadways. Finally, we will discuss commuting in Arizona.

– Vehicle Theft in Arizona

Vehicle Year of Vehicle Year Thefts
Honda Accord 1997 1997 1,072
Honda Civic 1998 1998 1,016
Chevrolet Pickup (Full Size) 2004 2004 850
Ford Pickup (Full Size) 2006 2006 772
Dodge Pickup (Full Size) 2001 2001 428
Nissan Altima 2015 2015 269
GMC Pickup (Full Size) 2015 2015 246
Toyota Camry 1999 1999 210
Jeep Cherokee/Grand Cherokee 1994 1994 207
Nissan Sentra 2014 2014 200

This table shows the car and most popular year of the thefts of that car type during that calendar year. Next, let’s look at which city has the most theft.

Bisbee 7
Buckeye 69
Bullhead City 101
Camp Verde 17
Casa Grande 86
Chandler 279
Chino Valley 10
Clarkdale 0
Clifton 3
Coolidge 30
Cottonwood 15
Eagar 6
El Mirage 74
Eloy 39
Flagstaff 55
Florence 1
Fredonia 0
Gilbert 153
Glendale 1,050
Globe 1
Goodyear 82
Holbrook 16
Huachuca City 1
Jerome 0
Kearny 0
Kingman 64
Lake Havasu City 68
Mammoth 1
Marana 40
Maricopa 31
Mesa 952
Miami 3
Nogales 57
Page 28
Paradise Valley 6
Payson 21
Peoria 207
Phoenix 6,355
Pima 3
Pinetop-Lakeside 2
Prescott 48
Prescott Valley 30
Quartzsite3 4
Sahuarita 8
San Luis 55
Scottsdale 208
Sedona 5
Show Low 10
Snowflake-Taylor 4
Somerton 20
South Tucson 31
Springerville 3
St. Johns 7
Surprise 146
Tempe 487
Thatcher 0
Tolleson 41
Tucson 2,190
Wickenburg 8
Willcox 16
Williams 2
Winslow 10
Yuma 222

– Road Fatalities in Arizona

Sadly, road fatalities can happen at any time of day and can include even the most vigilant driver. We are going to go over some facts about when and where most fatal accidents occur.

– Fatal Crashes by Weather Condition and Light Condition

Most fatal accidents surprisingly happen in normal, daylight hours.

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 350 191 146 38 1 726
Rain 8 9 1 0 0 18
Snow/Sleet 2 0 1 0 0 3
Other 2 1 1 1 0 5
Unknown 45 2 68 0 52 167
TOTAL 407 203 217 39 53 919

– Fatalities by County

County 2013 2014 2015 2016 2017
Apache 28 26 49 35 42
Cochise 20 12 17 26 22
Coconino 40 45 58 50 47
Gila 23 17 31 19 27
Graham 2 10 7 5 8
Greenlee 6 1 0 1 1
La Paz 13 11 19 18 18
Maricopa 398 367 405 478 471
Mohave 55 29 49 53 44
Navajo 34 39 43 31 48
Pima 96 88 93 111 114
Pinal 59 45 55 62 71
Santa Cruz 8 8 6 3 6
Yavapai 41 42 47 41 55
Yuma 24 33 16 18 26

– Traffic Fatalities

Traffic Death by Road Type                    
Year 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Rural 474 419 354 384 375 337 289 343 335 352
Urban 464 386 405 439 444 509 482 550 612 647

– Fatalities by Person Type

This next table shows what type of vehicle the occupant was in when the fatal accident occurred.

  2013 2014 2015 2016 2017
Passenger Car 209 216 254 265 250
Light Truck - Pickup 116 74 103 101 111
Light Truck - Utility 100 81 105 113 105
Light Truck - Van 24 20 33 30 22
Light Truck - Other 2 1 0 2 2
Large Truck 11 9 17 16 19
Other/Unknown Occupants 46 56 56 55 64
Total Occupants 508 458 568 582 575
Bus 0 1 0 0 2

– Fatalities by Crash Type

The majority of crashes involve a single car fatality.

Crash Type 2013 2014 2015 2016 2017
Total Fatalities (All Crashes)* 849 773 897 952 1,000
Single Vehicle 506 462 499 542 566
Involving a Large Truck 63 67 91 83 94
Involving Speeding 293 255 315 325 299
Involving a Rollover 259 218 268 294 262
Involving a Roadway Departure 377 301 379 388 371
Involving an Intersection 239 212 248 269 272

– Five-Year Trend For The Top 10 Counties

Rank County 2013 2014 2015 2016 2017
1 Maricopa County 398 367 405 478 471
2 Pima County 96 88 93 111 114
3 Pinal County 59 45 55 62 71
4 Yavapai County 41 42 47 41 55
5 Navajo County 34 39 43 31 48
6 Coconino County 40 45 58 50 47
7 Mohave County 55 29 49 53 44
8 Apache County 28 26 49 35 42
9 Gila County 23 17 31 19 27
10 Yuma County 24 33 16 18 26
Sub Total 1 Top Ten Counties 798 731 849 906 945
Sub Total 2 All Other Counties 49 42 46 45 55
Total All Counties 847 773 895 951 1,000

– Fatalities Involving Speeding by County

County Name Speeding Related Fatalities by Year        
2013 2014 2015 2016 2017
Apache County 13 3 18 12 6
Conchise County 9 6 6 11 4
Coconino County 11 18 17 18 10
Gila County 11 7 13 8 8
Graham County 1 7 2 2 4
Greenlee County 2 1 0 1 0
La Paz County 4 3 12 5 8
Maricopa County 111 111 132 148 128
Mohave County 28 9 26 21 17
Navajo County 13 15 10 5 21
Pima County 38 27 33 45 36
Pinal County 24 17 16 24 21
Santa Cruz County 5 5 0 2 2
Yavapai County 14 14 22 17 25
Yuma County 9 12 8 6 9

– Fatalities in Crashes Involving an Alcohol-Impaired Driver

Fatalities in Crashes Involving an Alcohol-Impaired Driver by Year          
County Name 2013 2014 2015 2016 2017
Apache County 11 7 22 15 14
Cochise County 6 5 6 5 8
Coconino County 10 17 15 8 18
Gila County 7 5 11 4 9
Graham County 2 4 2 5 2
Greenlee County 2 0 0 1 1
La Paz County 2 1 2 3 3
Maricopa County 97 77 115 128 131
Mohave County 12 6 12 14 14
Navajo County 11 10 15 7 14
Pima County 29 25 32 24 33
Pinal County 14 18 18 16 14
Santa Cruz County 3 3 1 0 1
Yavapai County 10 10 10 5 9
Yuma County 7 11 5 5 6

– Teen Drinking and Driving

Underage drinking in Arizona is classified as a Class One misdemeanor. If you are your child is convicted, there could be fines, imprisonment, suspension of license, and even an ignition interlock system.

– EMS Response Time

If you are ever in an accident, EMS could save your life. Below is a table showing the average times to the scene of the accident and to the hospital.

Location of Incident Time of Crash to EMS Notification EMS Notification to EMS Arrival EMS Arrival at Scene to Hospital Arrival Time of Crash to Hospital Arrival Total Fatalities
Rural 3.96 17.4 56.80 72.01 277
Urban 1.65 5.71 23.99 30.50 574

– Transportation

Lastly, we are going to look at commuting and car ownership. How much does a typical driver in Arizona commute and what does traffic look like?

– Car Ownership

The majority of residents own two cars in Arizona.

– Commute Time

The average Arizonan travels roughly 24 minutes commuting to work every day. This commuting time is slightly below the average American.

– Commuter Transportation

Most drivers drove alone to work, while very few carpooled or used public transit.

– Traffic Congestion in Arizona

Here is a look at some of the largest populated areas of Arizona and how much time you can expect to be sitting in traffic.

City Hours Spent in Traffic Peak (Time in Traffic) Daytime (Time in Traffic) Overall (Time in Traffic)
Phoenix, AZ 34 9% 4% 6%
Tucson, AZ 10 5% 4% 4%
Surprise, AZ 13 8% 8% 7%

We have covered a lot of information today! We hope that it has been very helpful for you in determining which insurance is best for you.

Don’t forget, to make it even easier for you, you can receive a quote right here.

References:
  1. https://www.fhwa.dot.gov/policyinformation/pubs/hf/pl11028/chapter4.cfm
  2. https://www.mensartscouncil.com/cs/
  3. https://www.barrett-jackson.com/Events/Event/Home/Scottsdale-2018/93f04d0d-614b-4e1c-b4ca-c87d88b709c4
  4. https://en.wikipedia.org/wiki/Loss_ratio
  5. http://www.ambest.com/home/default.aspx
  6. http://ktar.com/story/1967671/arizona-residents-have-it-rough-when-it-comes-to-work-commute/
  7. https://www.naic.org/documents/consumer_alert_credit_based_insurance_scores.htm
  8. https://www.dhs.gov/real-id-frequently-asked-questions
  9. https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=AZ
  10. http://www.carwindshields.info/states
  11. https://www.iii.org/article/background-on-insurance-fraud
  12. https://codes.findlaw.com/az/title-12-courts-and-civil-proceedings/az-rev-st-sect-12-542.html
  13. https://www.phoenixlawteam.com/blog/arizona-no-fault-state/
  14. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  15. https://drivinglaws.aaa.com/tag/move-over-law/
  16. https://www.iihs.org/iihs/topics/laws/driving-automation
  17. https://docs.google.com/spreadsheets/d/1DGzI4dMHmbtHxuCJ0klJFNAiJGsVTR2JYC5BaIt3jQI/edit#gid=0
  18. https://www.responsibility.org/get-the-facts/state-map/state/california/
  19. https://www.azcentral.com/story/news/local/arizona/2015/05/22/arizona-dui-laws/27781089/
  20. https://www.responsibility.org/alcohol-statistics/state-map/state/arizona/issue/marijuana-drug-impaired-driving-laws/
  21. https://drivinglaws.aaa.com/tag/distracted-driving/
  22. https://thrushlawgroup.com/underage-drinking-and-arizona-laws/
  23. https://datausa.io/profile/geo/arizona/#category_transportation

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