Cheapest Full Coverage Car Insurance In Az - In Phoenix, analysis found that Geico offers the best rates for full coverage auto insurance and minimum coverage auto insurance. The company charged $93 per month for minimum coverage and $189 for full coverage.
A metropolitan city in the heart of a metropolitan area, Phoenix drivers pay more than the average Arizona driver. Auto insurance rates in Phoenix were 26% higher for full coverage and 34% higher for minimum coverage.
Cheapest Full Coverage Car Insurance In Az
We recommend that you compare offers from several insurers before purchasing insurance. Fees vary based on driving experience and experience.
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Geico, Progressive and State Farm offer the cheapest insurance in the Phoenix area based on an analysis of the lowest liability rates in Arizona. These three insurers average $465 less than the city average, saving you more than 28%.
Geico had the lowest minimum guarantee rate at $1,114 per year, a savings of $546 compared to the Phoenix average. Progressive was the second cheapest option at $1,134, while State Farm's average premium was $1,338.
Note that you will only get the lowest level of protection with minimum liability which may not cover all costs in the event of an accident. If you have a more expensive vehicle, we recommend purchasing more coverage if you can afford it.
Geico, Progressive and State Farm offer the best rates, in that order, so the cheapest insurance company in Phoenix reflects the company with the lowest minimum coverage.
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Geico's average cost was $2,274 a year, $40 less than Progressive's. Both were over $300 cheaper than State Farm rates.
USAA drivers are paid the lowest of all Phoenix drivers, but only current, former and military family members are eligible.
If you have an accident, DUI, speeding ticket or other incident on your driving record, you will likely pay more for the same insurance than other Phoenix residents. In Arizona, multiple or serious accidents can cause drivers to require an SR-22.
State Farm has the lowest at-fault comprehensive coverage rate, Geico is the second cheapest, and Progressive is the third. Overall, one incident increased costs by an average of 44% to $1,704.
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Across Arizona, accident rates are only up 28%. This means Phoenix residents will see a significantly higher speed increase if they encounter a collision.
Geico beats State Farm with the lowest coverage for Phoenix drivers with speeding tickets. Geico's annual rate of $2,739 was $172 less than any other company and $2,243 less than the average.
Progressive was the third cheapest option at $3,172 per year. On average, the ticket increased costs for drivers in Phoenix by $1,100, a 28% increase.
Phoenix drivers pay an average of $1,717 more for full coverage insurance after a DUI, a 44% increase. Progressive offers the highest post-DUI rate, with just a $440 copay, a 19% jump.
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The average progressive fee after a DUI is $2,754 per year, lower than State Farm ($2,911) and Geico ($4,001).
Geico and Progressive offer the best comprehensive coverage rates for drivers with bad credit. Credit problems can have a big impact on your car insurance rates. This is a bigger impact than a speeding ticket.
On average, bad credit increases a driver's annual premium by $1,156. That increase was $549 for Geico and $784 for Progressive.
For married drivers, Progressive offers the best rate of $300 or more for comprehensive coverage in Phoenix. The next cheapest is Geico, then State Farm.
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The progressive fee was $2,052, $368 more than the average fee for married drivers across Arizona. Rates for married drivers are usually lower than rates for single drivers.
Drivers as young as 18 usually pay significantly higher premiums because insurance companies consider them a high risk. In Phoenix, young drivers can save the most money with Geico. Other options on the cheaper end of the spectrum include CSAA and State Farm.
Geico's price for full coverage was $2,095 less than any other option and only 50% of the average in Phoenix. Young drivers are paid on average 2.5 times more than 30-year-old drivers.
USAA, American Family and State Farm are the leading companies in Arizona for customer satisfaction, according to a study conducted by . USAA is only available to military members and their families.
How Much Car Insurance Do You Need And How Much Is Required?
The Phoenix metropolitan area is one of the ten largest cities in the United States, with more than one in three people living in the city itself. The city includes dozens of neighborhoods in 85 zip codes, and full coverage insurance rates vary widely by location.
Of the Valley of the Sun cities of over 135,000, Phoenix had the highest auto insurance premium, $149 more than Glendale. Surprisingly, Arizona, a suburb less than 30 miles northwest of Phoenix, had the lowest rates among cities of that size.
Phoenix ranks 9th among the 10 largest cities in Arizona in the number of auto thefts per 100,000 residents. That rate is 472.8 stolen cars per 100,000 in 2018.
Data was collected from eight major insurance companies in Arizona. The driver sample was a 30-year-old male who owns a 2015 Honda Civic EX. Drivers had average credit and were fully reimbursed for their insurance policy unless otherwise noted.
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Use these quotes for comparison purposes only. This analysis used Quadrant Information Services premium rate data publicly obtained from insurance company filings.
To get an insurance quote over the phone, call (855) 596-3655 | Give us a call. Agents are available 24/7. To help you choose the cheapest car insurance in Arizona, our editorial team compared quotes from the largest car insurance companies in the state by zip code. Our minimum coverage estimate meets Arizona's minimum requirements of $25,000 per person for personal injury liability coverage, $50,000 per accident, plus $15,000 for property damage coverage. Full coverage policy offerings include collision and comprehensive coverage with liability limits higher than state minimums.
In addition, we ranked the best companies in Arizona based on affordability, customer satisfaction, convenience and availability of coverage for different drivers.
The average cost of auto insurance in Arizona is $897 per year with minimum liability, or $75 per month.
What Is Full Coverage Car Insurance
State Farm has the lowest minimum liability coverage in Arizona, with assessments 28% lower than the state average.
Active military, veterans and their families can take advantage of USAA's lower rates. At $523 per year, USAA's average annual rate is $130 less than State Farm.
Buying minimum coverage is the cheapest way to make sure you're covered—a policy with minimum coverage costs an average of $1,322 less than full coverage. However, in Arizona, a minimum compensation policy only pays for injuries to another person that result from an accident or damage to the other driver's vehicle or property. Damage to your vehicle or cover for injuries to you and your passengers is not included.
We recommend that you purchase full coverage auto insurance instead of minimum coverage to ensure you are properly protected.
State By State Car Insurance Minimums
State Farm has the cheapest estimate for full coverage at $1,431 per year, or $119 per month, 36% less than the state average.
Full coverage auto insurance in Arizona costs an average of $2,219 per year. The full coverage offer includes comprehensive and collision insurance with liability insurance. Comprehensive coverage covers damage caused by accidents beyond your control, such as a fight or theft. On the other hand, collision compensation compensates you if your car is damaged if you hit another car.
Drivers who have speeding tickets or accidents on their records will pay more than drivers with clean driving records. State Farm and Progressive are the cheapest tickets for less experienced drivers.
State Farm offers the best car insurance rates for Arizona drivers with speeding tickets. Its average cost is $1,566 per year or $130 per month for full coverage insurance, which is $1,329 below the average. In Arizona, a single speeding ticket can increase insurance premiums by up to 31%.
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State Farm offers the best rates for drivers with an accident record. While the average auto insurance premium after an accident is $3,274 per year in Arizona, State Farm offers state drivers 48% less with full coverage insurance for $1,700 per year.
Auto insurance premiums are higher after an at-fault accident because drivers who have recently been in an accident pose a greater risk to insurers than drivers with an intact record. Average premiums rose 49% after the Arizona accident. This represents an additional $1,070 in annual insurance premiums compared to a clean driving record.
Progressive is the best rate for Arizona DUI drivers
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