![]() Here are the average monthly rates in the state’s top cities.Īrizona car insurance laws generally align with those of other states. Your rates will reflect the risk factors of your location. ![]() Some cities are considered riskier due to the higher percentages of incidents that happen there per year, plus the number of personal injury lawsuits filed there every year. Rates across major cities in Arizona differ. How Do Rates Compare Across Major Cities in Arizona? In this case, spending more per month can save you money if you ever get into this type of situation. Since one-fifth of Arizona drivers don’t carry auto insurance, this type of policy will protect you even when the at-fault driver is uninsured. It’s also important to get protection against uninsured drivers with uninsured motorist insurance. Since car repairs and medical bills are much higher today, if your insurance does not cover all the bills, you will be left paying out of pocket for the remainder – plus your own costs. It won’t pay anything for your injuries and damages. Since Arizona is an at-fault state, if you cause an accident your insurance will pay for injuries and damages caused to the other people in the crash – up to your policy limits. Damages can easily exceed these costs, so it’s wise to ask for higher limits. These limits are lower than what a driver typically needs to be protected on the road in Arizona. How Much Is It for Cheap Liability or the Minimum Required Car Insurance in Arizona?įor the cheapest minimum required liability auto insurance in Arizona, it costs around $46 per month. While online forms can give you a good estimate of what you can pay, an in-person consultation will be able to assist you with additional discounts and options that you may miss when searching alone. Also, anything extra like a tire hazard protection program will make your premium higher in exchange for better on-the-road protection. To know exactly how much you would pay, you should give as much information as possible to an auto insurance agent. If your vehicle is financed, your lender will require you to carry full coverage to protect their interest. If you have a less-than-perfect driving history, then rates can be higher, while your rates can be lower if you have a good driving history and some discounts applied to your premium.įull coverage car insurance consists of liability, collision and comprehensive insurance. The quote for your vehicle may differ based on factors like your driving history, number of claims, and the area where you live. ![]() The average premium for the cheapest full coverage car insurance in Arizona is around $130 per month. What Is the Average Premium for Cheap Full Coverage Car Insurance in Arizona? The cheapest car insurance in Arizona is reserved for those with blemish-free driving records who are old enough to be considered responsible and who take advantage of discounts. Everybody pays a different amount, since car insurance quotes are based on unique qualities. Your car insurance cost in Arizona depends on many factors, especially your driving history and age. These costs are slightly lower than the average cost of auto insurance for the nation ($1,674 full coverage and $480 minimum liability). Full coverage car insurance in Arizona costs an average of $1,547 per year, while the state-required minimum liability auto insurance comes in at an average of $555 per year. ![]()
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