It’s easy to feel overwhelmed with so many car insurance providers competing for your business. To help you save time, our team compared quotes from nine leading insurance providers in Arizona to find the best rates for four driver categories. On this page, you’ll find the best car insurance quotes for:
Best Rates For Drivers With No Recent Accidents
Our analysts found that Geico has the lowest auto insurance rates in Arizona for drivers whose recent driving history is free of accidents. This tells insurance carriers that you’re less of a risk, which is why safe motorists usually pay less for insurance. If you don’t qualify for a safe driver discount just yet, make it a point to improve your driving record over the coming years, and then compare insurance quotes again to see if you’re eligible for lower premiums.
Best Rates For Teen Drivers
A Young drivers have a higher crash rate than adults primarily due to their lack of experience, so insurance companies tend to charge them higher monthly rates. The driver in our study was 18 years old and had a clean driving record. Allstate was found to offer the best car insurance quotes for teenagers in Arizona who only wanted the minimum insurance coverage required by law.
If you’re still a student, ask your insurance carrier about student discounts and discounts for good grades. Some companies offer excellent rates to young drivers in the hope that they’ll become lifelong policyholders.
Best Rates For Drivers With A DUI
Finding cheap car insurance quotes in Arizona can seem impossible if you have a DUI, but our researchers found that State Farm and Progressive offer very competitive rates for people with a DUI conviction.
Best Rates For Senior Drivers
At an estimated premium of $66 per month, Geico was determined to be the carrier with the best auto insurance rates in Arizona for senior drivers. Not far behind was State Farm with estimated monthly rates of $105. Our hypothetical driver was age 65 and drove 4,000 miles annually.
A 29-year-old male and female were used as the default drivers in our analysis. The default annual mileage was 12,000. The car in our research was a 2014 Toyota Corolla. The rates of male and female drivers were averaged to determine the estimated monthly premiums. We gathered data from five zip codes in Arizona. All drivers in our study except the teen driver category purchased liability coverage of 50/100/25 and uninsured motorist coverage with the same limits.
What Is The Minimum Car Insurance Coverage Required In Arizona?
Drivers in Arizona are required to have auto insurance that meets these minimum limits:
- Bodily Injury Liability Per Person: $15,000
- Bodily Injury Liability Per Accident: $30,000
- Property Damage Liability: $10,000