If you’re searching for affordable car insurance in Arizona, the MoneyGeek Car Insurance Calculator can be of great assistance. This tool takes into account all relevant information – including your driving history – when calculating your rates and also shows which factors may have the biggest effect on it so that you can make an informed decision.
Cost of Car Insurance in Arizona
Auto insurance is required in Arizona, but your rates can differ significantly between companies due to each using its own rating algorithm to assess your risk profile. Therefore, it’s essential that you shop around before choosing which policy suits your needs best.
Your age, desired coverage levels and driving record all play a role in calculating your premium. Our car insurance calculator will give you an approximate annual or monthly cost based on these variables.
Saving on Arizona car insurance is easy when you compare quotes from multiple providers. Doing this gives you an idea of which companies provide the cheapest policies and can ultimately lower your premium in the long run.
Young Drivers Pay More for Car Insurance
According to WalletHub, drivers under 25 on average pay 13% more for car insurance than those with five years or more of driving experience. This is mostly due to young drivers being more likely to get into accidents and make claims, resulting in higher premiums.
Older Adults Don’t Pay As Much for Car Insurance
Car insurance costs in Arizona tend to be around 20% less for older drivers due to their greater experience behind the wheel and tendency for safer driving habits. With that being said, younger drivers still face higher premiums.
Consider the Type of Vehicle You Drive and Your Budget
Selecting a car that’s well-built and has excellent safety ratings can lead to lower insurance costs. Plus, taking a defensive driving course may offer discounts from most car insurers.
Additionally, you should avoid insuring a car that is considered high risk such as a sports car or brand-new experimental vehicle. These types of vehicles tend to have higher maintenance needs and higher accident rates than other models, making them more expensive to insure.
Consider adding underinsured motorist coverage to your policy. This can protect you in the event of an accident with someone who doesn’t have enough insurance to pay for all damages sustained from said incident.
Another way to save on Arizona car insurance is by not paying a deductible when you file a claim. You may qualify for discounts if you install an anti-theft device such as a car alarm or immobilizer in your car, which will reduce its price tag.
Uninsured Motorists in Arizona
Around 12% of Arizona drivers don’t carry any form of car insurance. This could result in high repair bills, expensive medical care and property damage if you’re involved in an accident with an uninsured motorist.
Insurance is a must, and without it you could face fines or even suspension of your license. An SR-22 form allows you to drive without fear of losing your privilege without an SR-22 certificate.