MoneyGeek’s Arizona Car Insurance Calculator can give you a quick estimation of how much car insurance will cost depending on your driving history, vehicle make and model, credit score and other criteria.
What You Should Know about Arizona’s Minimum Requirements
In Arizona, drivers are mandated to have liability insurance to cover injuries or damage they cause in an accident. While liability coverage is the least costly type available, it may not cover damages exceeding its limits; for added protection if this occurs. To purchase additional coverage limits or collision/comprehensive protection you can purchase additional policies as necessary.
Drivers With Poor Records Pay Higher Premiums In Arizona
A serious driving offense or multiple tickets on your record in Arizona will increase your rates significantly, and insurers view these violations as high-risk events that should raise premiums over time.
Drivers convicted of DUI in Arizona often pay higher premiums compared to drivers with clean records. Even minor speeding tickets can increase rates considerably, so it is wise to shop around and compare policies in order to find the most cost-effective coverage plan.
Teen Drivers Pay 3.4x More in Arizona While adding a teenage driver can significantly increase your premiums, finding affordable car insurance for teenagers in Arizona remains possible. Some insurance providers offer discounts for students with good grades while others may reduce rates if you travel less than a certain number of miles annually.
Young drivers with clean driving records tend to enjoy lower car insurance premiums than their elder counterparts with poor histories, so it is wise to shop around for policies that best meet both your needs and budget. Full coverage policies provide protection from accidents as well as costly repairs; however, purchasing them may represent a substantial financial commitment.
What You Should Know about Uninsured Motorists in Arizona
Arizona law mandates that in addition to minimum liability coverage, drivers also carry uninsured motorist coverage as an essential protection measure against at-fault drivers who don’t carry enough auto insurance or don’t have it at all. Although additional premium may be involved, uninsured motorist coverage provides coverage in cases when another driver causes damages without adequate auto coverage – an investment well worth making!
What You Should Know about Discounts in Arizona Drivers who qualify for good driver discounts can see their premiums decrease significantly. These discounts typically apply to newer vehicles or those with excellent driving records and may come bundled with other offers like a safe driver or good student discount.
Root offers rates that take driving style into consideration and offer monthly full coverage quotes at $76 monthly premium, significantly cheaper than the state average of $159.