Insurance for Arizona drivers
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To help you find the best rates on auto insurance, we've compiled the top ten auto insurance discounts available in Arizona. If you qualify for any of the discounts listed below, be sure to compare auto insurance quotes and find a policy that gives you the rate you deserve.
*Please Note:
Not all discounts are available from every company for every person. This article is intended as a jumping off point for a conversation between you and your insurance agent.
The Grand Canyon State is the 14th most expensive state for Auto Insurance, which is why it's important to use Quotes For Arizona to find a rate that's closer to the national average.
Because Arizona has several cities with above average theft rates, it's a good idea to purchase comprehensive car insurance to protect yourself in case your car is stolen. Also, a renters or homeowners insurance policy will cover any valuables that are stolen out of your vehicle in a break-in (usually comprehensive car insurance doesn't cover these items). You can often bundle the two polices together for a discount on both—ask an insurance agent for more information.
Every state's minimum insurance levels are slightly different, but all of them include these three basics components:
Because Arizona's minimum insurance levels are low compared to the national average, it's important to consider purchasing more than the bare minimum. Arizona drivers are only required to carry $10,000 in Property Damage Liability, but with so cars worth well over that, a large percentage of car accidents cause far more than $10,000 worth of property damage. The same goes for Arizona's relatively low Bodily Injury Liability requirements. It's definitely worth paying a few dollars more for higher coverage levels instead of risking finding out after and accident that you weren't carrying enough insurance.
While it may sound like a lot, insurance companies recommend around 100/300/100 for most drivers (that's $100,000 and $300,000 for BIL and $100,000 for PIL). In today's hyper-litigious culture, paying a little extra for significantly more protection is a prudent decision that could save you a huge headache (and cash!) down the road.
Because motor vehicle accidents are the leading cause of death for 15- to 20-year-olds, most states have instituted graduated license programs (GDL) for new, teenage drivers. Learners permit periods have been lengthened, provisional licenses have been created, and special restrictions have been placed on new, young drivers.
In Arizona, teens can apply for a learners permit at age 15 1/2. This permit must be held for 6 months before a license will be granted. New drivers must also show a total of 30 practice hours with a licensed adult. During the six month provisional license period, teens are prohibited from driving 12 am to 5 am unless a licensed parent or legal guardian is with them. Exceptions are made for school activities, religious functions, emergency situations, and work related driving. No other teenagers (except family) are allowed to drive with teenagers during this period.
According to the National Crime Information Center
According to the Arizona Department of Insurance, 2007 Annual Report
| Company | Premium Dollars (millions) |
| 1. State Farm | $264 |
| 2. Farmers Insurance | $195 |
| 3. American Family | $141 |
| 4. Progressive Advanced | $90 |
| 5. Geico | $69 |
| 6. Progressive Preferred | $56 |
| 7. Allstate Property and Casualty | $54 |
| 8. Allstate Fire and Casualty | $54 |
| 9. Mid-Century Insurance | $53 |
| 10. Allstate Insurance Company | $52 |
As reported in The Arizona Capitol Times, vehicle theft has taken a fortuitous downtown in several major metropolitan areas of Arizona. According to the paper,
"The Arizona Automobile Theft Authority attributed the lower rankings to the stolen vehicle-affidavit legislation that became effective in September 2007, sharing stolen vehicle intelligence between law enforcement agencies, conducting joint theft detection and apprehension operations with neighboring law enforcement agencies and the Arizona Vehicle Theft Task Force, and collaborating with county attorneys to enhance prosecution."
While making great strides in curtailing theft through the use of bait cars (cars that look like easy targets for thefts that are actually owned by the police department) and other prevention measures, Tucson and Phoenix are still in the top twenty cities for stolen cars. Phoenix alone had over 25,000 cars reported stolen in 2008.
While it's a good sign that theft rates are falling, it's still important to take precautionary measures against vehicle theft. To avoid having your car stolen, heed as much of the following advice as possible:
From the Insurance Information Institute and Arizona Department of Public Safety
Looking for more information about car insurance in Arizona? The following links will help you in your search for the right policy:
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