Arizona Car Insurance (Coverage, Companies, & More)

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Road MilesTotal in State: 102,018
Vehicle Miles Driven Annualy: 65,667 Million
Vehicles RegisteredVehicles registered: 5,251,076
Vehicles Stolen: 10,141
Population4,887,871
Most Popular VehicleFord F150
Percent of Motorists Uninsured18.4%
State Rank 6
Driving Related DeathsSpeeding: 257
DUI: 268
Average PremiumsLiability: $372.57
Collison: $299.10
Comprehensive: $146.28
Full Coverage: $817.95
Cheapest ProviderUSAA

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 RequiredMinimum 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.

201420132012
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 CoverageAverage Cost in ArizonaAverage 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 Coverage2014 20132012
Medical Payments69.21 %
77.92% 83.60%
Uninsured/Underinsured Motorist Coverage75.40 %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.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 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.

ZipcodeAverage
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 SizeRating
State Farm
A++
Berkshire HathawayA++
ProgressiveA+
FarmersA
AllstateA+
USAAA++
Liberty MutualA
American FamilyA
HartfordA+
CSAAA

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.

CompanyComplaint RatioNumber of Complaints
State Farm Group0.441482
GEICO0.68333
Progressive Group0.75120
Farmers Insurance Group00
Allstate Insurance Group0.5163
USAA Group0.74296
Liberty Mutual Group5.95222
American Family Insurance Group0.7973
Hartford Fire & Casualty Group4.689
CSAA Insurance Group3.976

– 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.

CompanyCommute/Annual milesPremium
Farmers10 miles commute. 6000 annual mileage.$4,995.73
Farmers25 miles commute. 12000 annual mileage.$4,995.73
Allstate10 miles commute. 6000 annual mileage.$4,899.96
Allstate25 miles commute. 12000 annual mileage.$4,899.96
State Farm25 miles commute. 12000 annual mileage.$4,870.20
State Farm10 miles commute. 6000 annual mileage.$4,631.04
American Family25 miles commute. 12000 annual mileage.$4,190.54
American Family10 miles commute. 6000 annual mileage.$4,110.32
Progressive10 miles commute. 6000 annual mileage.$3,574.85
Progressive25 miles commute. 12000 annual mileage.$3,574.85
Nationwide10 miles commute. 6000 annual mileage.$3,493.23
Nationwide25 miles commute. 12000 annual mileage.$3,493.23
USAA25 miles commute. 12000 annual mileage.$3,116.03
Travelers10 miles commute. 6000 annual mileage.$3,079.97
Travelers25 miles commute. 12000 annual mileage.$3,079.97
USAA10 miles commute. 6000 annual mileage.$3,049.29
GEICO25 miles commute. 12000 annual mileage.$2,301.06
GEICO10 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.

GroupCoverage TypeAnnual Average
FarmersHigh$5,680.28
AllstateHigh$5,188.57
State FarmHigh$5,138.26
FarmersMedium$5,047.56
AllstateMedium$4,926.32
State FarmMedium$4,837.71
AllstateLow$4,584.99
American FamilyMedium$4,282.99
State FarmLow$4,275.90
FarmersLow$4,259.36
American FamilyHigh$4,173.07
American FamilyLow$3,995.23
ProgressiveHigh$3,929.72
ProgressiveMedium$3,639.87
NationwideHigh$3,603.30
NationwideMedium$3,529.03
TravelersHigh$3,354.49
NationwideLow$3,347.36
USAAHigh$3,282.03
ProgressiveLow$3,154.96
TravelersMedium$3,127.90
USAAMedium$3,125.01
USAALow$2,840.93
TravelersLow$2,757.50
GEICOHigh$2,586.17
GEICOMedium$2,295.09
GEICOLow$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 FarmPoor8740.46
AllstatePoor6268.01
FarmersPoor5691.27
American FamilyPoor5217.99
FarmersFair4764.49
FarmersGood4531.43
AllstateFair4462.15
NationwidePoor4203.65
USAAPoor4057.11
ProgressivePoor3988.93
AllstateGood3969.73
American FamilyFair3885.37
TravelersPoor3750.98
ProgressiveFair3482.51
State FarmFair3387.26
American FamilyGood3347.92
NationwideFair3345.92
ProgressiveGood3253.11
GEICOPoor3108.67
TravelersFair3058.12
NationwideGood2930.12
USAAFair2833.38
TravelersGood2430.8
USAAGood2357.49
State FarmGood2124.14
GEICOFair2039.68
GEICOGood1640.02

– 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 CompanyDriving RecordAnnual Average
American FamilyWith 1 DUI$5,673.56
AllstateWith 1 DUI$5,631.44
FarmersWith 1 accident$5,444.19
FarmersWith 1 DUI$5,312.44
State FarmWith 1 accident$5,180.16
AllstateWith 1 speeding violation$5,078.95
FarmersWith 1 speeding violation$5,006.52
AllstateWith 1 accident$4,964.56
State FarmWith 1 DUI$4,750.62
State FarmWith 1 speeding violation$4,750.62
NationwideWith 1 DUI$4,602.36
American FamilyWith 1 accident$4,574.11
State FarmClean record$4,321.08
USAAWith 1 DUI$4,237.25
FarmersClean record$4,219.77
ProgressiveWith 1 accident$4,152.77
AllstateClean record$3,924.91
ProgressiveWith 1 speeding violation$3,663.97
TravelersWith 1 DUI$3,572.38
American FamilyWith 1 speeding violation$3,414.84
ProgressiveWith 1 DUI$3,328.96
NationwideWith 1 speeding violation$3,306.90
USAAWith 1 accident$3,212.15
TravelersWith 1 accident$3,210.80
GEICOWith 1 DUI$3,170.22
ProgressiveClean record$3,153.69
NationwideWith 1 accident$3,107.91
TravelersWith 1 speeding violation$3,072.34
NationwideClean record$2,955.75
American FamilyClean record$2,939.21
USAAWith 1 speeding violation$2,639.09
TravelersClean record$2,464.33
GEICOWith 1 accident$2,370.73
USAAClean record$2,242.13
GEICOClean record$1,755.11
GEICOWith 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 CompanyPremiums WrittenMarket Share
State Farm$818,98216.87 %
Berkshire Hathaway$723,48214.91 %
Progressive$513,33310.58 %
Farmers$393,1578.10 %
Allstate$369,1537.61 %
USAA$362,7667.47 %
Liberty Mutual$279,3435.76 %
American Family$276,8335.70 %
Hartford$109,1742.25 %
CSAA Insurance$100,1872.06 %

– 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 
Domestic40
Foreign943
Total983

– 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.

PenaltyFirst OffenseSecond Offense within three years
Fine$500 minimum$750 minimum
License, registration, and license plate suspensionThree monthsSix 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 LicenseAge RequirementPre-RequisitesPassenger RestrictionsDriving Restrictions
Learner's LicenseMinimum 15 years six monthsPass vision and written testsMust have a 21-year-old or older licensed driver in the passenger seat
Intermediate LicenseMinimum 16 yearsSix 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 LicenseMinimum 18 yearsPassing vision, written, and road testsnonenone
*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 PenaltyImprisonmentFineCivil Penalty
Class 6 FelonyUp to 10 yearsUp to $150,000Up 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 highwaysUrban freeways and interstate highwaysResidential and business districtsSchool zonesAlleys
75 mph65 mph25 mph15 mph15 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 TypeFirst OffenseSecond OffenseThird and Subsequent Offenses
Revoked License30-60 daysone yearone year
Imprisonmentminimum one to 10 daysminimum 30-90 daysminimum four months
Fine$250$500$750
PenaltyFirst OffenseSecond Offense
Imprisonment30 consecutive days minimum120 days minimum
Fine$2,500 minimum$3,250 minimum
Ignition interlock devicerequiredrequired
OtherAlcohol 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 banYoung driver cell phone banTexting banEnforcement
nolearner's permit holders and intermediate license holders during the first six months after licensinglearner's permit holders and intermediate license holders during the first six months after licensingsecondary

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

VehicleYear of VehicleYearThefts
Honda Accord199719971,072
Honda Civic199819981,016
Chevrolet Pickup (Full Size)20042004850
Ford Pickup (Full Size)20062006772
Dodge Pickup (Full Size)20012001428
Nissan Altima20152015269
GMC Pickup (Full Size)20152015246
Toyota Camry19991999210
Jeep Cherokee/Grand Cherokee19941994207
Nissan Sentra20142014200

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.

Bisbee7
Buckeye69
Bullhead City101
Camp Verde17
Casa Grande86
Chandler279
Chino Valley10
Clarkdale0
Clifton3
Coolidge30
Cottonwood15
Eagar6
El Mirage74
Eloy39
Flagstaff55
Florence1
Fredonia0
Gilbert153
Glendale1,050
Globe1
Goodyear82
Holbrook16
Huachuca City1
Jerome0
Kearny0
Kingman64
Lake Havasu City68
Mammoth1
Marana40
Maricopa31
Mesa952
Miami3
Nogales57
Page28
Paradise Valley6
Payson21
Peoria207
Phoenix6,355
Pima3
Pinetop-Lakeside2
Prescott48
Prescott Valley30
Quartzsite34
Sahuarita8
San Luis55
Scottsdale208
Sedona5
Show Low10
Snowflake-Taylor4
Somerton20
South Tucson31
Springerville3
St. Johns7
Surprise146
Tempe487
Thatcher0
Tolleson41
Tucson2,190
Wickenburg8
Willcox16
Williams2
Winslow10
Yuma222

– 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 ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal350191146381726
Rain8910018
Snow/Sleet201003
Other211105
Unknown45268052167
TOTAL4072032173953919

– Fatalities by County

County20132014201520162017
Apache2826493542
Cochise2012172622
Coconino4045585047
Gila2317311927
Graham210758
Greenlee61011
La Paz1311191818
Maricopa398367405478471
Mohave5529495344
Navajo3439433148
Pima968893111114
Pinal5945556271
Santa Cruz88636
Yavapai4142474155
Yuma2433161826

– Traffic Fatalities

Traffic Death by Road Type          
Year2008200920102011201220132014201520162017
Rural474419354384375337289343335352
Urban464386405439444509482550612647

– Fatalities by Person Type

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

 20132014201520162017
Passenger Car209216254265250
Light Truck - Pickup11674103101111
Light Truck - Utility10081105113105
Light Truck - Van2420333022
Light Truck - Other21022
Large Truck119171619
Other/Unknown Occupants4656565564
Total Occupants508458568582575
Bus01002

– Fatalities by Crash Type

The majority of crashes involve a single car fatality.

Crash Type20132014201520162017
Total Fatalities (All Crashes)*8497738979521,000
Single Vehicle506462499542566
Involving a Large Truck6367918394
Involving Speeding293255315325299
Involving a Rollover259218268294262
Involving a Roadway Departure377301379388371
Involving an Intersection239212248269272

– Five-Year Trend For The Top 10 Counties

RankCounty20132014201520162017
1Maricopa County398367405478471
2Pima County968893111114
3Pinal County5945556271
4Yavapai County4142474155
5Navajo County3439433148
6Coconino County4045585047
7Mohave County5529495344
8Apache County2826493542
9Gila County2317311927
10Yuma County2433161826
Sub Total 1Top Ten Counties798731849906945
Sub Total 2All Other Counties4942464555
TotalAll Counties8477738959511,000

– Fatalities Involving Speeding by County

County NameSpeeding Related Fatalities by Year    
20132014201520162017
Apache County13318126
Conchise County966114
Coconino County1118171810
Gila County11 71388
Graham County17224
Greenlee County21010
La Paz County431258
Maricopa County111111132148128
Mohave County289262117
Navajo County131510521
Pima County3827334536
Pinal County2417162421
Santa Cruz County55022
Yavapai County1414221725
Yuma County912869

– Fatalities in Crashes Involving an Alcohol-Impaired Driver

Fatalities in Crashes Involving an Alcohol-Impaired Driver by Year     
County Name20132014201520162017
Apache County117221514
Cochise County65658
Coconino County101715818
Gila County751149
Graham County24252
Greenlee County20011
La Paz County21233
Maricopa County9777115128131
Mohave County126121414
Navajo County111015714
Pima County2925322433
Pinal County1418181614
Santa Cruz County33101
Yavapai County10101059
Yuma County711556

– 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 IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities
Rural3.9617.456.8072.01277
Urban1.655.7123.9930.50574

– 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.

CityHours Spent in TrafficPeak (Time in Traffic)Daytime (Time in Traffic)Overall (Time in Traffic)
Phoenix, AZ349%4%6%
Tucson, AZ105%4%4%
Surprise, AZ138%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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