Auto Insurance in Riva, Maryland

Auto insurance is a critical aspect of responsible vehicle ownership in Riva, Maryland. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Maryland.

Understanding Vehicle Coverage in Riva

When it comes to vehicle coverage in Riva, Maryland, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Maryland

Car insurance holds paramount importance in Maryland, and Riva is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Maryland, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Riva, Maryland involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Maryland, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Riva, Maryland, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Riva Maryland Auto Coverage

Understanding the intricacies of auto insurance coverage in Riva, Maryland, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Maryland law, and additional coverage options that residents in Riva might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Riva have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Maryland: Every state, including Maryland, has its own set of minimum auto insurance requirements. In Maryland, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Riva: While meeting the state's minimum requirements is mandatory, many Riva residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Riva requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Riva Maryland

Affordable Auto Insurance in Riva, Maryland is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Riva:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Maryland, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Riva.

Riva Car Insurance Rates

Car insurance rates in Riva, Maryland, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Maryland, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Riva, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Riva, Maryland:

Keeping an eye on insurance rate trends in Riva is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Riva market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Riva, Maryland.

Best Auto Insurance Companies in Riva

When it comes to securing the best auto insurance in Riva, Maryland, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Riva residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Riva Assurance Services

• Why Choose Riva Assurance: Known for its local presence and personalized service, Riva Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Riva Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Riva Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Riva, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Riva, Maryland

Insuring your vehicle in Riva involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Riva

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Riva residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Riva residents.

Tips for Insuring Your Car in Riva

Insuring your car in Riva, Maryland, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Maryland's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Maryland.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Riva becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Riva Maryland

When it comes to securing auto insurance in Riva, Maryland, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Riva, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Maryland's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Riva area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Riva region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Riva:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Riva. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Riva. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Riva not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Riva, Maryland

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Riva residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Riva, Maryland, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Riva, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Maryland's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Maryland. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Riva, Maryland, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Riva's unique risks can help vehicle owners make informed decisions about their insurance coverage.

•  Secured with SHA-256 Encryption

• Enter your ZIP Code!

•  Secured with SHA-256 Encryption

• Cheap Arizona Auto Insurance Guide (2024)

• Arizona auto insurance rates average $81/month. You can buy Arizona auto insurance from the biggest companies in the nation, and Geico has the cheapest rates of the big-name companies. The cheapest Arizona auto insurance company is a smaller company, Western General. Get cheap Arizona auto insurance by shopping around.

• Free Auto Insurance Comparison

• Enter your ZIP code below to compare auto insurance rates.

•  Secured with SHA-256 Encryption

• Written by:

• Justin Wright

• Licensed Insurance Agent

• Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

• Licensed Insurance Agent

• Reviewed by:

• Scott W. Johnson

• Licensed Insurance Agent

• Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

• Licensed Insurance Agent

• UPDATED: Feb 16, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• Arizona Statistics Summary Road Miles Total in State: 65,593 Vehicle Miles Driven: 62.6 Million Vehicles 5,407,097 Population 7,016,270 Most Popular Vehicle Ford F150 Average Premiums (Annual)Liability: $508.76 Collision: $277.96 Comprehensive: $186.12 Combined Premium: $972.85 Percentage of Motorists Uninsured12% State Rank: 24th Cheapest Provider Civil Service Employees & Western General

• Are you bothered by high car insurance rates? Are you spending your hard-earned money on insurance costs, instead of something fun like that family vacation you’ve always wanted to take? Arizona auto insurance rates are lower on average than the national average, but it’s still a big bill.

• Whether it’s monthly, quarterly, or biannually, those letters from the insurance company always seem to fill your inbox or your mailbox. If you’re like us, receiving a letter from your insurance company is never a good thing. Consumers in Arizona pay an average of $972.85/year or $81/month for car insurance.

• Are you one of them?

• Or do you pay a lot more? Nobody likes to pay too much for anything, let alone, paying too much for car insurance. But how do you get started? What if all of the information you needed to save money on your auto insurance was in one spot?

• Would you invest the time? What if it would save you money? A LOT of money. I bet you would.

• Everything you need to know about buying cheap auto insurance in Arizona is in the comprehensive guide. We’ll cover Arizona auto insurance requirements and more.

• Start comparison shopping for affordable Arizona auto insurance today using our FREE online tool. Enter your zip code below to get multiple Arizona auto insurance quotes.

• Table of Contents Toggle Arizona Auto Insurance Coverage and Rates– Required Forms of Financial Responsibility in Arizona– Premiums as Percentage of Income in Arizona– Core Coverage in Arizona– Additional Liability Coverage in Arizona– Add-ons, Endorsements, and Riders– Pay-As-You-Drive Is a Good Option– Arizona Demographic Rates – Male vs. Female– Cheapest Rates by Zip Code– Cheapest Rates by CityArizona Auto Insurance Companies– Ratings of the Largest Car Insurance Companies in Arizona– Arizona’s Insurers with the BEST Ratings– Companies with the MOST Complaints in Arizona– Arizona Auto Insurance Rates by Company– Cost of Different Annual Commutes by Arizona Companies– Coverage Level Rates– Credit History Rates– Driving Record Rates– The 10 Largest Car Insurance Companies in Arizona– Number of Property and Casualty Insurance Companies in ArizonaFind the Cheapest Insurance in Arizona CitiesArizona Laws– Arizona’s Auto Insurance LawsHigh-Risk InsuranceArizona’s Windshield and Glass Repair LawsAutomobile Insurance Fraud in ArizonaStatute of Limitations– Arizona’s Vehicle Licensing LawsPenalties For Driving Without InsuranceTeen Driver Laws– Older Driver License Renewal Procedures– New ResidentsArizona Rules of the Road– Fault vs. No-Fault– Seat Belt and Car Seat Laws– Keep Right and Move Over LawsSpeed Limits– Ridesharing in ArizonaAutomation on the Road in Arizona– Safety Laws– Impaired-driving Laws in ArizonaMarijuana Impaired Driving LawsDistracted Driving Laws in ArizonaArizona Can’t-Miss Facts– Vehicle Theft in Arizona– Dangers on the Road In Arizona– Fatal Crashes by Weather Condition and Light Condition– Fatalities (All Crashes) by County– Fatalities by Roadway– Fatalities by Person Type– Fatalities by Crash Type– Five-Year Trend For The Top 10 Counties– Fatalities Involving Speeding by County– Alcohol-Impaired Fatalities by County– Teen Drinking and Driving– EMS Response Time– Transportation in ArizonaCommute TimeCommuter TransportationTraffic Congestion

• Table of Contents

• Arizona Auto Insurance Coverage and Rates

• The median household income in Arizona in 2017 was over $56,581. In 2015, drivers, on average paid over $973 for car insurance. Now, we’re no math genius or anything, but however you work it out, consumers in the Copper State are spending way too much money on car insurance.

• There has to be a better way.

• Below, we have provided information on Arizona auto insurance limits and helpful advice so you can get the best coverage options for your needs.

• Insurance RequiredMinimum Limits: 15/30/10 Bodily Injury Liability$15,000 per person $30,000 per accident Property Damage Liability$10,000

• Okay, you’ve read the numbers, but what do they mean?

• What is 15/30/10?

• Bodily injury?

• Accidents?

• We hope you never have to deal with any of these situations or end up in one of these:

• But if you do, the basic coverage requirements in Arizona which all motorists must have for liability insurance are:

• Liability insurance pays all individuals — drivers, passengers, pedestrians, etc. — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes. If you cause a wreck, liability insurance pays everyone affected by the accident.

• – Required Forms of Financial Responsibility in Arizona

• What is financial responsibility? Basically, financial responsibility is proof that you have Arizona’s minimum liability coverage. State law requires every driver and owner of a vehicle to have proof of financial security at all times.

• Here are a few acceptable forms of proof of financial security in Arizona:

• – Premiums as Percentage of Income in Arizona

• In Arizona, the per capita disposable income is $34,321. On average, residents spend $962 a year on car insurance. To put this amount in perspective, the countrywide, annual average for car insurance is $981. This means people in Arizona pay slightly less than the countrywide average.

• Even though folks in Arizona pay slightly less than the national average, overall, compared to states like Michigan and New Jersey, that savings adds up to several hundred dollars.

• – Core Coverage in Arizona

• Type of CoverageAverage Cost in ArizonaAverage Cost Nationally Liability$508.76$538.73 Collision$277.96$322.61 Comprehensive$186.12$148.04 Combined$972.85$1009.38

• The National Association of Insurance Commissioners, a leading source on insurance coverage, is the source for the above data. Car insurance rates in Arizona will likely be higher for 2019.

• – Additional Liability Coverage in Arizona

• To gauge the financial health of insurance companies, you should look at its loss ratios. Loss ratios are explained as: the money insurance companies pay out on claims compared to the money they take in on premiums is the loss ratio.

• Check out the loss ratio for these two types of coverage in Arizona.

• Loss Ratio Type of Coverage201420132012 Medical Payments69.21% 77.92%83.60% Uninsured/Underinsured Motorist Coverage75.40% 81.35%84.52%

• You may want to consider adding additional coverage to your plans, to avoid paying out of pocket in the event of an accident. Without this additional coverage, medical bills and payments could reach well into the thousands of dollars for those affected by an uninsured driver.

• – Add-ons, Endorsements, and Riders

• Since basic coverage in Arizona only offers $10,000 in case of an accident, have you considered adding extra coverages to your policy? Do you even know what’s out there?  Choosing from a list of options can be daunting, and we know you want the best options for your family at the best price.

• To help you decide, we’ve made a list of affordable options to add to your policy. Click on the selections below to learn more about them:

• Any of the above coverages would be great to add to a policy, so make sure to discuss any options you are interested in with your insurance carrier.

• – Pay-As-You-Drive Is a Good Option

• Not legal in all states, Pay-As-You-Drive insurance bases your rates on how many miles you drive. Similar to Progressive’s Snapshot option, which bases rates on how safely you drive, Usage-Based insurance is a newer option for consumers in certain states.

• These types of policies aren’t right for everyone, and certainly not for people who drive a lot of miles.

• – Arizona Demographic Rates – Male vs. Female

• You may be surprised to learn that gender plays a large role in deciding how much your car insurance rates are? In fact, females typically pay more than males for car insurance, and this is the case in Arizona.

• In fact, gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender-neutral insurance plans.

•  

• https://youtu.be/bZj2y4W-xNg

• Below, we show you rates that various folks in Arizona pay for car insurance.

• CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male Allstate F&C$3,475.85$3,475.85$3,384.12$3,384.12$7,562.62$9,796.63$3,890.24$4,230.29 American Family Mutual$2,748.94$2,748.94$2,524.19$2,524.19$7,241.04$9,439.65$2,748.94$3,227.56 Farmers Ins Co of AZ$2,679.47$2,677.67$2,381.02$2,534.04$11,538.29$11,976.04$3,034.99$3,144.34 Geico Cas$1,544.04$1,721.95$1,303.63$1,659.36$4,418.49$4,657.44$1,408.73$1,388.68 NICOA$2,354.06$2,397.60$2,105.21$2,230.55$5,791.09$7,418.71$2,714.31$2,934.32 Progressive Advance Ins$1,977.89$1,731.84$1,776.60$1,687.27$8,119.66$9,061.45$2,128.03$2,116.05 State Farm Mutual Auto$2,878.25$2,878.25$2,538.55$2,538.55$8,933.99$11,220.20$3,098.04$3,919.15 Travelers Property Casualty$1,942.75$2,042.96$1,800.08$1,912.79$5,643.46$7,078.41$2,057.04$2,162.23 USAA$1,682.06$1,686.88$1,569.71$1,589.18$6,306.70$7,232.99$2,216.43$2,377.31

• – Cheapest Rates  by Zip Code

• We’ve collected data on the least and most expensive zip codes, so search to see where your zip code lands on the list. You’ll also see providers’ costs next to your zip code, providing a helpful snapshot into what you should be paying.

• Cheapest ZIP Codes in ArizonaCityAverage by ZIP CodesMost Expensive CompanyMost Expensive RateSecond Most Expensive CompanySecond Most Expensive RateCheapest CompanyCheapest RateSecond Cheapest CompanySecond Cheapest Rate 85533Clifton$3,017.43 State Farm$3,708.31 Farmers$3,639.11 Geico$1,884.38 Travelers$2,171.74 85534Duncan$3,049.16 Farmers$4,181.09 Allstate$3,518.68 Geico$1,884.38 Travelers$2,402.40 85540Morenci$3,031.96 Allstate$4,179.63 State Farm$3,708.31 Geico$1,884.38 Travelers$2,170.14 85552Thatcher$3,053.07 Allstate$3,836.45 State Farm$3,786.48 Geico$1,884.38 Travelers$2,198.28 85607Douglas$2,984.01 Farmers$3,887.07 Allstate$3,550.70 Geico$1,877.40 Travelers$2,227.10 85610Elfrida$3,009.40 Allstate$3,550.70 Farmers$3,530.97 Geico$1,877.40 Travelers$2,402.45 85615Hereford$3,057.81 Allstate$4,179.63 State Farm$3,688.14 Geico$1,780.18 Travelers$2,279.41 85616Huachuca City$3,055.06 Allstate$3,836.45 State Farm$3,693.74 Geico$1,794.03 Travelers$2,304.77 85635Sierra Vista$3,048.77 Farmers$3,781.88 State Farm$3,667.82 Geico$1,758.66 Travelers$2,342.48 85643Willcox$3,059.48 Allstate$3,836.45 Farmers$3,747.77 Geico$1,909.88 Travelers$2,366.12 86401Kingman$2,996.32 Farmers$4,257.57 Allstate$3,518.68 Geico$1,828.75 Travelers$2,283.42 86403Lake Havasu City$2,883.46 Farmers$3,704.06 State Farm$3,552.73 Geico$1,828.75 Travelers$2,132.47 86404Lake Havasu City$2,896.40 Farmers$3,740.33 Allstate$3,518.68 Geico$1,828.75 Travelers$2,149.26 86406Lake Havasu City$3,027.98 Allstate$4,230.13 Farmers$4,158.03 Geico$1,828.75 Travelers$2,226.06 86409Kingman$2,949.61 Farmers$3,761.07 Allstate$3,518.68 Geico$1,828.75 Travelers$2,399.63 86411Hackberry$3,049.80 Farmers$4,220.95 State Farm$3,716.12 Geico$1,828.75 Travelers$2,315.41 86413Golden Valley$3,059.25 Farmers$4,147.78 Allstate$3,862.91 Geico$1,828.75 Travelers$2,366.31 86429Bullhead City$3,025.22 State Farm$3,896.82 Allstate$3,862.91 Geico$1,791.37 Nationwide$2,459.12 86431Chloride$2,977.29 Farmers$4,214.62 State Farm$3,862.46 Geico$1,828.75 Travelers$2,383.69 86436Topock$2,951.90 Allstate$3,862.91 State Farm$3,767.75 Geico$1,791.37 Travelers$2,475.21 86437Valentine$3,039.01 Farmers$4,753.36 State Farm$3,862.46 Geico$1,828.75 Travelers$2,317.12 86438Yucca$2,982.40 State Farm$3,698.74 Allstate$3,518.68 Geico$1,828.75 Travelers$2,514.20 86442Bullhead City$3,031.71 State Farm$3,878.61 Farmers$3,750.98 Geico$1,791.37 Nationwide$2,520.18 86443Temple Bar Marina$3,049.56 Farmers$4,457.80 State Farm$3,862.46 Geico$1,828.75 Travelers$2,448.01 86444Meadview$3,013.06 Farmers$4,053.91 Allstate$3,862.91 Geico$1,828.75 Travelers$2,356.74

• The cheapest zip code is 85533 in Clifton, while 23 of the most expensive zip codes can be found in Phoenix.

• Most Expensive ZIP Codes in ArizonaCityAverage by ZIP CodeMost Expensive CompanyMost Expensive RateSecond Most Expensive CompanySecond Most Expensive RateCheapest CompanyCheapest RateSecond Cheapest CompanySecond Cheapest Rate 85003Phoenix$4,990.72 Farmers$7,192.66 State Farm$6,711.87 Geico$2,928.41 USAA$3,451.60 85004Phoenix$5,011.05 Farmers$6,876.61 Allstate$6,598.77 Geico$3,054.48 USAA$3,451.60 85006Phoenix$5,079.52 Farmers$7,241.64 State Farm$6,826.70 Geico$3,054.48 USAA$3,196.00 85007Phoenix$5,005.43 Farmers$7,062.97 State Farm$6,629.15 Geico$2,959.34 USAA$3,451.60 85009Phoenix$5,479.07 State Farm$8,060.87 Farmers$7,329.50 Geico$3,040.83 USAA$4,163.80 85012Phoenix$5,006.69 Farmers$7,060.86 Allstate$6,486.07 Geico$2,919.43 USAA$3,727.96 85013Phoenix$5,037.15 Farmers$7,089.90 State Farm$6,701.95 Geico$2,928.41 USAA$3,580.50 85015Phoenix$5,176.00 Farmers$7,254.03 State Farm$6,712.34 Geico$2,959.34 USAA$3,196.00 85017Phoenix$5,440.43 State Farm$8,143.61 Farmers$7,250.93 Geico$3,090.57 USAA$3,580.63 85019Phoenix$5,367.13 State Farm$7,831.38 Farmers$7,250.93 Geico$3,085.03 USAA$3,231.81 85020Phoenix$4,842.66 Allstate$7,155.38 Farmers$6,529.99 Geico$3,009.38 USAA$3,247.82 85021Phoenix$5,092.08 Farmers$7,201.47 State Farm$6,623.96 Geico$3,018.39 USAA$3,876.59 85025Phoenix$4,976.47 Farmers$7,195.74 Allstate$6,486.07 Geico$3,054.48 USAA$3,339.21 85029Phoenix$4,978.32 Farmers$6,993.32 Allstate$6,635.64 Geico$3,018.39 USAA$3,245.92 85031Phoenix$5,339.76 State Farm$7,703.24 Farmers$7,022.49 Geico$3,093.67 USAA$3,580.50 85033Phoenix$5,221.61 State Farm$7,808.06 Farmers$7,066.53 Geico$2,961.78 Travelers$3,832.41 85034Phoenix$5,069.47 Farmers$6,868.28 State Farm$6,857.79 Geico$3,067.45 Travelers$3,675.82 85035Phoenix$5,223.71 Farmers$7,338.79 State Farm$7,254.43 Geico$3,069.80 USAA$3,786.75 85040Phoenix$5,115.68 Allstate$7,155.38 Farmers$7,114.36 Geico$3,052.64 Travelers$3,703.78 85041Phoenix$5,101.83 Farmers$7,029.64 State Farm$6,762.45 Geico$3,014.23 USAA$3,844.86 85042Phoenix$4,882.91 Farmers$6,876.61 State Farm$6,672.68 Geico$3,052.64 USAA$3,349.11 85043Phoenix$5,027.59 Farmers$7,110.35 Allstate$6,486.07 Geico$2,966.50 USAA$3,540.57 85051Phoenix$5,127.30 Farmers$6,889.00 State Farm$6,679.74 Geico$3,077.08 USAA$3,549.29 85301Glendale$4,990.47 Farmers$7,025.59 Allstate$6,635.64 Geico$2,967.87 USAA$3,063.94 85303Glendale$4,986.06 Allstate$7,155.38 Farmers$6,996.99 Geico$2,961.78 USAA$3,063.94

• – Cheapest Rates by City

• We’ve also collected data on car insurance rates by city. Below is a list of the least expensive and most expensive cities for auto insurance. Simply look for your city in the tables to see your city’s cost.

• Cheapest Cities in Arizona Average by CityMost Expensive CompanyMost Expensive RateSecond Most Expensive CompanySecond Most Expensive RateCheapest CompanyCheapest RateSecond Cheapest CompanySecond Cheapest Rate Bullhead City$3,028.47State Farm$3,887.72Allstate$3,690.80Geico$1,791.37Nationwide$2,489.65 Chloride$2,977.28Farmers$4,214.62State Farm$3,862.46Geico$1,828.75Travelers$2,383.69 Clifton$3,024.69Allstate$3,907.09State Farm$3,708.31Geico$1,884.38Travelers$2,170.94 Desert Hills$2,896.40Farmers$3,740.33Allstate$3,518.68Geico$1,828.75Travelers$2,149.26 Douglas$2,984.01Farmers$3,887.07Allstate$3,550.70Geico$1,877.40Travelers$2,227.10 Duncan$3,049.17Farmers$4,181.09Allstate$3,518.68Geico$1,884.38Travelers$2,402.40 Elfrida$3,009.40Allstate$3,550.70Farmers$3,530.97Geico$1,877.40Travelers$2,402.45 Fort Mohave$3,066.87State Farm$3,972.37Farmers$3,740.81Geico$1,791.37Nationwide$2,500.77 Golden Valley$3,059.25Farmers$4,147.78Allstate$3,862.91Geico$1,828.75Travelers$2,366.31 Hackberry$3,049.80Farmers$4,220.95State Farm$3,716.12Geico$1,828.75Travelers$2,315.41 Hereford$3,057.81Allstate$4,179.63State Farm$3,688.14Geico$1,780.18Travelers$2,279.41 Huachuca City$3,055.06Allstate$3,836.45State Farm$3,693.74Geico$1,794.03Travelers$2,304.77 Kingman$3,019.57Farmers$4,274.45State Farm$3,683.12Geico$1,828.75Travelers$2,340.85 Lake Havasu City$2,955.72Farmers$3,931.05Allstate$3,890.41Geico$1,828.75Travelers$2,179.26 Meadview$3,013.06Farmers$4,053.91Allstate$3,862.91Geico$1,828.75Travelers$2,356.74 Pearce$3,064.05Farmers$3,591.49State Farm$3,526.12Geico$1,847.86Travelers$2,670.48 Pima$3,092.48Farmers$3,917.67Allstate$3,836.45Geico$1,909.88Travelers$2,193.37 Portal$3,073.06USAA$3,662.88State Farm$3,637.66Geico$1,884.38Travelers$2,333.77 Sierra Vista$3,059.15Allstate$3,834.07Farmers$3,742.82Geico$1,758.66Travelers$2,308.60 Temple Bar Marina$3,049.56Farmers$4,457.80State Farm$3,862.46Geico$1,828.75Travelers$2,448.01 Thatcher$3,053.07Allstate$3,836.45State Farm$3,786.48Geico$1,884.38Travelers$2,198.28 Tombstone$3,090.81Allstate$4,191.47State Farm$3,720.71Geico$1,875.67Travelers$2,307.83 Topock$2,951.90Allstate$3,862.91State Farm$3,767.75Geico$1,791.37Travelers$2,475.21 Willcox$3,059.48Allstate$3,836.45Farmers$3,747.77Geico$1,909.88Travelers$2,366.12 Yucca$2,982.40State Farm$3,698.74Allstate$3,518.68Geico$1,828.75Travelers$2,514.20

• As you can see from the tables, where you live can impact your wallet when purchasing auto insurance from hundreds, and in some cities, like Phoenix, thousands of dollars.

• Most Expensive Cities in Arizona Average by CityMost Expensive CompanyMost Expensive RateSecond Most Expensive CompanySecond Most Expensive RateCheapest CompanyCheapest RateSecond Cheapest CompanySecond Cheapest Rate Avondale$4,422.01State Farm$6,007.73Allstate$5,930.33Geico$2,699.76USAA$2,710.68 Cashion$4,082.69Farmers$5,706.74Allstate$5,527.07Geico$2,290.15USAA$2,830.43 Cave Creek$4,145.70Farmers$5,792.20Allstate$5,203.51Geico$2,419.66USAA$3,293.99 Citrus Park$4,118.30Allstate$5,330.30State Farm$5,204.20Geico$2,595.96USAA$2,740.85 El Mirage$4,371.02Farmers$6,050.94State Farm$5,986.88Geico$2,643.88USAA$2,740.85 Flowing Wells$4,143.15Farmers$6,011.95State Farm$5,994.86Geico$2,312.23USAA$3,119.38 Fort Mcdowell$4,086.90Farmers$6,614.69Allstate$4,887.66Geico$2,191.11Travelers$3,347.86 Gilbert$4,123.44Allstate$5,438.87State Farm$5,250.23Geico$2,490.83USAA$3,154.07 Glendale$4,563.99Farmers$6,326.50Allstate$6,094.75Geico$2,724.34USAA$2,965.88 Guadalupe$4,348.51Farmers$6,096.00Allstate$5,751.97Geico$2,447.98Travelers$3,442.02 Higley$4,177.21Allstate$5,422.87State Farm$5,407.93Geico$2,585.36USAA$3,349.11 Laveen$4,582.09State Farm$6,678.88Farmers$6,129.86USAA$2,781.56Geico$2,910.88 Mesa$4,198.02Allstate$5,520.31Farmers$5,456.62Geico$2,401.62USAA$3,314.35 New River$4,110.13Allstate$5,514.75Farmers$5,366.40Geico$2,366.58USAA$2,947.10 Paradise Valley$4,326.68Allstate$5,751.97State Farm$5,440.05Geico$2,412.91Travelers$3,832.92 Peoria$4,194.88Farmers$5,960.07Allstate$5,370.79Geico$2,512.41USAA$2,936.83 Phoenix$4,801.15Farmers$6,609.09State Farm$6,279.06Geico$2,864.68USAA$3,440.60 San Tan Valley$4,138.35Allstate$5,436.63State Farm$5,308.73Geico$2,246.12USAA$3,153.44 Scottsdale$4,187.96Farmers$5,498.96Allstate$5,371.35Geico$2,347.23Travelers$3,482.60 Sells$4,088.89Allstate$5,527.07Farmers$5,492.77Geico$2,103.12USAA$3,032.95 South Tucson$4,093.28State Farm$5,868.74Farmers$5,746.37Geico$2,290.61USAA$3,023.03 Tempe$4,203.41Farmers$6,234.44Allstate$5,421.44Geico$2,435.61USAA$3,135.46 Tortilla Flat$4,092.31Farmers$5,412.36State Farm$5,407.93Geico$2,585.36Travelers$3,212.74 Waddell$4,243.07Allstate$5,522.20Farmers$5,507.81Geico$2,366.56USAA$3,100.68 Youngtown$4,176.27Farmers$6,604.03Allstate$5,644.71Geico$2,643.88USAA$2,908.29

• Free Auto Insurance Comparison Enter your ZIP code below to compare auto insurance rates.  Secured with SHA-256 Encryption

• Free Auto Insurance Comparison

• Enter your ZIP code below to compare auto insurance rates.

•  Secured with SHA-256 Encryption

• Enter your ZIP code below to compare auto insurance rates.

•  Secured with SHA-256 Encryption

• Arizona Auto Insurance Companies

• Mayhem? Flying pigs causing a wreck? We’ve seen it all and covered it. You’ve seen the commercials. You’ve seen the ads. Why are insurance companies trying to be funny? Are they hiding something? What’s really behind the curtain of most insurance companies? Can you really save money with a 10-minute phone call?

• But who wants to spend time doing all of that searching? That’s why we’ve researched the best insurance carriers in Arizona, so you can make the best choice for your situation. We’ve looked at companies’ financial ratings, AM’s best ratings, and which companies have the most complaints.

• Keep reading to learn about Arizona’s auto insurance providers.

• – Ratings of the Largest Car Insurance Companies in Arizona

• What does an A.M. Best rating mean? Essentially, an A.M. Best rating measures the financial health of an insurance company.

• The table below shows the financial rating of the top auto insurance providers in Arizona.

• Providers by SizeRating State Farm A++ Berkshire HathawayA++ ProgressiveA+ FarmersA AllstateA+ USAAA++ Liberty MutualA American FamilyA HartfordA+ CSAAA

• A good financial rating means the provider has the funds available to pay any claims. But customer service is also an important part of any company, from restaurants to car insurance providers. That’s why we’ve looked at companies with the best customer satisfaction ratings.

• – Arizona’s Insurers with the BEST Ratings

• Let’s take a look at J.D. Power ratings for Arizona auto insurance companies.

•  

• State Farm ranks near the top of the list — showing that State Farm is great at customer satisfaction. One thing to consider, cost shouldn’t be your only concern when searching for car insurance. You should also be looking at how the insurance provider treats its customers and resolves Arizona auto insurance company claims and complaints.

• – Companies with the MOST Complaints in Arizona

• The Department of Professional and Financial Regulation collected data on complaint ratios for Arizona’s car insurance companies.  The complaint index means the following:

• Keep in mind that a high complaint index doesn’t necessarily mean you should avoid a company. Make sure to also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.

• The ratio compares a company’s number of complaints for every 1,000 policies written. The smaller the number, the better the company is performing compared to its competitors.

• – Arizona Auto Insurance Rates by Company

• In order to save money on car insurance, make sure you are shopping around for rates. Below is information about rates across different companies.

• CompanyAverageCompared to State Average- Allstate F&C$4,899.96$1,089.9422.24% American Family Mutual$4,150.43$340.408.20% Farmers Ins Co of AZ$4,995.73$1,185.7023.73% Geico Cas$2,262.79-$1,547.24-68.38% NICOA$3,493.23-$316.80-9.07% Progressive Advance Ins$3,574.85-$235.18-6.58% State Farm Mutual Auto$4,750.62$940.6019.80% Travelers Property Casualty$3,079.96-$730.06-23.70% USAA$3,082.66-$727.37-23.60% State Average$3810.03--

• Looking at different companies can save a lot of money. For example, Travelers is more than $700 BELOW the state average, which, over time, could add up to over several thousand dollars.

• – Cost of Different Annual Commutes by Arizona Companies

• At some companies, how far you drive each day influences your insurance rates.

• GroupDaily Commute Annual MileageAnnual Average Farmers10 miles 6,000$4,995.73 Farmers25 miles12,000$4,995.73 Allstate10 miles 6,000$4,899.96 Allstate25 miles 12,000$4,899.96 State Farm25 miles 12,000$4,870.20 State Farm10 miles 6,000$4,631.04 American Family25 miles 12,000$4,190.54 American Family10 miles 6,000$4,110.32 Progressive10 miles 6,000$3,574.85 Progressive25 miles 12,000$3,574.85 Nationwide10 miles 6,000$3,493.23 Nationwide25 miles 12.000$3,493.23 USAA25 miles 12,000$3,116.03 Travelers10 miles 6,000$3,079.97 Travelers25 miles 12,000$3,079.97 USAA10 miles 6,000$3,049.29 Geico25 miles 12,000$2,301.06 Geico10 miles 6,000$2,224.53

• Most company rates don’t change when the drive is shortened to a 10-mile commute, except for Geico and State Farm, both of whom have rate reductions over a $100.

• Up next, a breakdown of coverage level rates in Arizona.

• – Coverage Level Rates

• The more you pay, the better coverage you will receive. Don’t let higher rates discourage you from purchasing better coverage, as some companies have economical increases in rates. For example, the data below shows Geico has only a $300 increase from low to high coverage.

• GroupCoverage TypeAnnual Average FarmersHigh$5,680.28 AllstateHigh$5,188.57 State FarmHigh$5,138.26 FarmersMedium$5,047.56 AllstateMedium$4,926.32 State FarmMedium$4,837.71 AllstateLow$4,584.99 American FamilyMedium$4,282.99 State FarmLow$4,275.90 FarmersLow$4,259.36 American FamilyHigh$4,173.07 American FamilyLow$3,995.23 ProgressiveHigh$3,929.72 ProgressiveMedium$3,639.87 NationwideHigh$3,603.30 NationwideMedium$3,529.03 TravelersHigh$3,354.49 NationwideLow$3,347.36 USAAHigh$3,282.03 ProgressiveLow$3,154.96 TravelersMedium$3,127.90 USAAMedium$3,125.01 USAALow$2,840.93 TravelersLow$2,757.50 GeicoHigh$2,586.17 GeicoMedium$2,295.09 GeicoLow$1,907.11

• – Credit History Rates

• The quality of your credit score impacts your insurance rates. In Arizona, the average credit score is 669, which is slightly below the countrywide average of 675.

• Essentially, this means Arizona residents have a smaller chance of getting great rates because of their below-average credit scores.

• GroupCredit HistoryAnnual Average State FarmPoor$8,740.46 AllstatePoor$6,268.01 FarmersPoor$5,691.27 American FamilyPoor$5,217.99 FarmersFair$4,764.49 FarmersGood$4,531.43 AllstateFair$4,462.15 NationwidePoor$4,203.65 USAAPoor$4,057.11 ProgressivePoor$3,988.93 AllstateGood$3,969.73 American FamilyFair$3,885.37 TravelersPoor$3,750.98 ProgressiveFair$3,482.51 State FarmFair$3,387.26 American FamilyGood$3,347.92 NationwideFair$3,345.92 ProgressiveGood$3,253.11 GeicoPoor$3,108.67 TravelersFair$3,058.12 NationwideGood$2,930.12 USAAFair$2,833.38 TravelersGood$2,430.80 USAAGood$2,357.49 State FarmGood$2,124.14 GeicoFair$2,039.68 GeicoGood$1,640.02

• As you can see from the table above, poor credit scores can add hundreds to your annual cost. A bad credit score at Geico changes your annual cost from $1,640 to $3,109.

• – Driving Record Rates

• A clean driving record is the EASIEST way to keep rates down. As you can see from the information below, at Progressive, just one speeding violation can raise your rate by over $500.

• GroupDriving RecordAnnual Average American FamilyWith 1 DUI$5,673.56 AllstateWith 1 DUI$5,631.44 FarmersWith 1 accident$5,444.19 FarmersWith 1 DUI$5,312.44 State FarmWith 1 accident$5,180.16 AllstateWith 1 speeding violation$5,078.95 FarmersWith 1 speeding violation$5,006.52 AllstateWith 1 accident$4,964.56 State FarmWith 1 DUI$4,750.62 State FarmWith 1 speeding violation$4,750.62 NationwideWith 1 DUI$4,602.36 American FamilyWith 1 accident$4,574.11 State FarmClean record$4,321.08 USAAWith 1 DUI$4,237.25 FarmersClean record$4,219.77 ProgressiveWith 1 accident$4,152.77 AllstateClean record$3,924.91 ProgressiveWith 1 speeding violation$3,663.97 TravelersWith 1 DUI$3,572.38 American FamilyWith 1 speeding violation$3,414.84 ProgressiveWith 1 DUI$3,328.96 NationwideWith 1 speeding violation$3,306.90 USAAWith 1 accident$3,212.15 TravelersWith 1 accident$3,210.80 GeicoWith 1 DUI$3,170.22 ProgressiveClean record$3,153.69 NationwideWith 1 accident$3,107.91 TravelersWith 1 speeding violation$3,072.34 NationwideClean record$2,955.75 American FamilyClean record$2,939.21 USAAWith 1 speeding violation$2,639.09 TravelersClean record$2,464.33 GeicoWith 1 accident$2,370.73 USAAClean record$2,242.13 GeicoClean record$1,755.11 GeicoWith 1 speeding violation$1,755.11

• A better record equals better rates. We encourage you to NOT drink and drive.

• – The 10 Largest Car Insurance Companies in Arizona

• Here’s a look at the top 10 largest insurance companies in Arizona.

• Insurance CompanyPremiums WrittenMarket Share State Farm$818,98216.87 % Berkshire Hathaway$723,48214.91 % Progressive$513,33310.58 % Farmers$393,1578.10 % Allstate$369,1537.61 % USAA$362,7667.47 % Liberty Mutual$279,3435.76 % American Family$276,8335.70 % Hartford$109,1742.25 % CSAA Insurance$100,1872.06 %

• – Number of Property and Casualty Insurance Companies in Arizona

• Domestic insurance means a company is formed under Arizona’s state laws, whereas a foreign provider is formed under the laws of any state in the U.S.

• Property and Casualty Insurance Domestic40 Foreign943 Total983

• Find the Cheapest Insurance in Arizona Cities

• This section provides a brief comparison of insurance rates in key Arizona cities: Gilbert, Scottsdale, Glendale, Tempe, Mesa, and Tucson. Securing affordable insurance is vital for optimal coverage. Whether in urban centers like Scottsdale or cities like Tucson, drivers can use this data to find the most economical insurance options, ensuring suitable coverage at competitive rates.

• Find the Cheapest Insurance in Your City Gilbert, AZ Scottsdale, AZ Glendale, AZTempe, AZ Mesa, AZ Tucson, AZ

• Arizona Laws

• Thirsty? If so, you’re in the right state. One of the unusual laws in Arizona states that it is illegal to refuse a person a glass of water.

• What about riding a horse off into the sunset? Well, you can do that, too, as long as you don’t ride it up the courthouse steps first.

• We know, state laws are confusing and vary from state to state. New residents may sometimes receive tickets for laws they didn’t know existed. We’ve done the work for you to help you discover what the laws are, so check out our roundup of Arizona’s driving laws.

• – Arizona’s Auto Insurance Laws

• Insurance companies are subject to certain rules and regulations. In Arizona, there is a 30-day waiting period for rate filings.

• Let’s look at some of the specific laws for consumers regarding car insurance.

• In Arizona, if you have committed certain infractions such as drug or alcohol offenses, your driver’s license may be revoked. In order to purchase insurance, you will be required to obtain proof of future financial responsibility in the form of an SR-22.  You must maintain this proof for three years.

•  

• In Arizona, if you have comprehensive coverage for your vehicle, you have the option to get a zero-deductible windshield repair or replacement benefit. The laws for replacement state the consumer may choose the repair facility, and aftermarket parts may be used, however, they must be equal in quality to the manufacturer’s parts.

• Compare car insurance rates now and see which company offers you the coverage you want at the best price.

• Enter your zip code in our FREE online search tool to get started.

• What is automobile insurance fraud?

• Committing insurance fraud can result in fines up to $150,000 and/or up to 10 years in jail.

• If you are in a car accident in Arizona, there is a statute of limitations if you want to file a claim.

• Arizona Statute of LimitationsYears Personal Injury2 Years Property Damage2 Years

• Specifically, a statute of limitations is the amount of time you have to file a claim after an accident. The clock starts ticking the day of your accident, so make sure that you are familiar with Arizona’s statute of limitations.

• – Arizona’s Vehicle Licensing Laws

• We all love the feeling of driving the open road, windows down and the smell of the Mohave and Painted Deserts wafting in on a cool night’s breeze.

• But if you’re not careful, that bright glow you see in your rearview mirror won’t be from the nighttime desert sky but a highway patrol officer pulling you over for speeding, or worse, driving while uninsured.

• If you are arrested for driving without insurance in Arizona, you can be fined $500 or more, and lose your license and registration for three months or long for the first offense.

• On subsequent offenses, penalties can increase to $750 and six months revocation of your license and registration. Don’t risk it, make sure you have the required minimum coverage for your situation.

• Arizona is one of the states that now allow drivers to use their smartphone to show proof of insurance. If you are have been involved in an accident or pulled over, law enforcement will ask to see your insurance information.

• Here are three acceptable ways:

• Any changes in your insurance status must be reported to the Motor Vehicle Department (MVD) of Arizona, including:

• If the MVD receives notice that your policy is no longer active, they will send you an inquiry. If you don’t maintain proper coverage, your registration and or driver’s license can be suspended.

•  

• Teenagers in Arizona can apply for a learner’s license (also known as a learner’s permit) at age 15 and a half.

• After teenagers have gone through the mandatory learner’s license period and met all the requirements, they can apply for a regular or restricted license.

• Type of LicenseAge RequirementPrerequisitesPassenger RestrictionsDriving Restrictions Learner's LicenseMinimum 15 years six months Pass vision and written tests-Must have a 21-year-old or older licensed driver in the passenger seat Intermediate License Minimum 16 yearsSix months holding period Minimum 30 hours (10 of which at night) supervised drivingLimit of one passenger younger than 18 (except when the passengers are siblings, or when a licensed parent or legal guardian occupies the passenger seat)*No driving between midnight and five a.m. (Except with a licensed parent or legal guardian in the passenger seat, or when traveling to and from work, school, or religious activities, or for family emergencies)* Unrestricted License Minimum 18 years Passing vision, written, and road testsNoneNone *Restrictions in place only for the first 6 months receiving the intermediate license.----

• All residents in Arizona who maintain a valid driver’s license must renew that license every 12 years up to age 65. Older residents, 65 and over must renew their license every five years.

• All applicants must provide adequate proof of vision.

•  

• In addition to an eye exam, here are some other things to consider if you want to get an Arizona driver’s license according to the Arizona Department of Transportation:

• Also, all license applications and renewals must be done in person at the DMV, or another third party office. Online renewal is NOT permitted.

• Arizona Rules of the Road

• We all should follow the rules, but if you’re new to the Grand Canyon State, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several important laws to keep you in good standing and on the road.

• Arizona is a fault-based state, which means an accident victim has to prove fault on the person that caused an accident and/or their injuries.

• Establishing fault includes several elements:

• All passengers in the front seat of a vehicle driven in Arizona must be wearing a seat belt. Additionally, children 4 years and younger are required to be in a child safety seat, and children, 5-7 years if under 57 inches.

• Currently, there are no restrictions in Arizona regarding the riding in the cargo areas of pickup trucks.

• If you’re driving slower than the traffic around you, you must keep in the right lane except when passing another motorist or turning left.

• Arizona law states:

• If a person driving a vehicle approaches a stationary, authorized emergency vehicle that is giving a signal and displaying alternately flashing red, red and blue lights, the person shall do one of the following:

• Every state has different speed limits, and violating Arizona’s speed limits may result in tickets and fines. Below are Arizona’s maximum speed limits for different road types.

• Rural InterstatesUrban InterstatesOther Limited Access RoadsOther Roads 75656565

• You may be familiar with ridesharing companies like Lyft and Uber. If you want to rideshare, you must purchase ridesharing insurance from one of the following providers in Arizona:

• In addition to the Arisona auto insurance state minimums, Arizona requires, ride-sharing drivers are required to carry $250,000 worth of liability coverage. Ridesharing companies will also require that your vehicle is currently registered/inspected and is safe to drive.

• What is automation? IIHS defines it as the following:

• “Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. One example is adaptive cruise control, which maintains a set speed.”

• Arizona does allow for the deployment of autonomous vehicles on their roadways and licensed operators must be in the vehicle during certain levels of automation. Arizona law also requires all autonomous vehicles to have liability insurance.

• – Safety Laws

• Up next, we take a closer look at the safety laws in Arizona, so you can arrive alive, please don’t drink and drive.

• Impaired driving has catastrophic results for everyone involved, that’s why tough laws are in place to prevent such tragedies. In Arizona alone, drunk driving caused 278 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

• Below, we’ve listed the details about Arizona’s impaired driving laws.

• Formal Name for OffenseBAC LimitHigh BAC LimitCriminal StatusLook Back Period Driving Under The Influence (DUI)0.080.15-0.2; 0.2+1st-2nd class 1 misdemeanor, 3rd+ class 4 felony7 Years

• The penalties get worse with each successive offense. Please don’t drink and drive.

• As for marijuana-impaired driving in the state of Arizona, the state has a ZERO tolerance policy for THC and metabolites.

• Arizona has the following restrictions on hand-held devices and texting while driving.

• Hand-held BanYoung Driver Cell Phone BanTexting BanEnforcement NoLearner's permit holders and intermediate license holders during the first six months after licensingLearner's permit holders and intermediate license holders during the first six months after licensingSecondary

• Up next, we delve into some facts about Arizona you might not know.

• Arizona Can’t-Miss Facts

• Now that you have a good understanding of Arizona state laws, let’s jump into some facts that you might not know. While insurance is important, it’s also crucial to know what to keep your eyes out for on the road.

• We’ve laid out everything you need to know about the risk factors in Arizona, from vehicle theft to crash reports, so you can drive safely and enjoy your drive on the road.

• Make/ModelYear of VehicleThefts Honda Accord19971,072 Honda Civic19981,016 Chevrolet Pickup (Full Size)2004850 Ford Pickup (Full Size)2006772 Dodge Pickup (Full Size)2001428 Nissan Altima2015269 GMC Pickup (Full Size)2015246 Toyota Camry1999210 Jeep Cherokee/Grand Cherokee1994207 Nissan Sentra2014200

• Where you live also plays a role in the number of vehicle thefts. The FBI created a 2013 report on Arizona’s vehicle thefts by cities, which are listed below.

• CityMotor Vehicles Stolen Bisbee7 Buckeye69 Bullhead City101 Camp Verde17 Casa Grande86 Chandler279 Chino Valley10 Clarkdale0 Clifton3 Coolidge30 Cottonwood15 Eagar6 El Mirage74 Eloy39 Flagstaff55 Florence1 Fredonia0 Gilbert153 Glendale1,050 Globe1 Goodyear82 Holbrook16 Huachuca City1 Jerome0 Kearny0 Kingman64 Lake Havasu City68 Mammoth1 Marana40 Maricopa31 Mesa952 Miami3 Nogales57 Page28 Paradise Valley6 Payson21 Peoria207 Phoenix6,355 Pima3 Pinetop-Lakeside2 Prescott48 Prescott Valley30 Quartzsite34 Sahuarita8 San Luis55 Scottsdale208 Sedona5 Show Low10 Snowflake-Taylor4 Somerton20 South Tucson31 Springerville3 St. Johns7 Surprise146 Tempe487 Thatcher0 Tolleson41 Tucson2,190 Wickenburg8 Willcox16 Williams2 Winslow10 Yuma222

• – Dangers on the Road In Arizona

• Accidents happen, and up next we’re going to show you statistics for different kinds of accidents in Arizona.

• Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal Normal350191146381726 Rain8910018 Snow/Sleet201003 Other211105 Unknown45268052167 TOTAL4072032173953919

• As you can see, most accidents occur during daylight hours.

• Here are the 10 counties with the most fatalities over the past five years.

• RankCounty20132014201520162017 1Maricopa County398367405478471 2Pima County968893111114 3Pinal County5945556271 4Yavapai County4142474155 5Navajo County3439433148 6Coconino County4045585047 7Mohave County5529495344 8Apache County2826493542 9Gila County2317311927 10Yuma County2433161826 Sub Total 1Top Ten Counties798731849906945 Sub Total 2All Other Counties4942464555 TotalAll Counties8477738959511,000

• Ten-year comparison of traffic fatalities on urban vs. rural roadways.

• Road Type2008200920102011201220132014201520162017 Rural474419354384375337289343335352 Urban464386405439444509482550612647

• Person Type20132014201520162017 Passenger Car209216254265250 Light Truck - Pickup11674103101111 Light Truck - Utility10081105113105 Light Truck - Van2420333022 Light Truck - Other21022 Large Truck119171619 Other/Unknown Occupants4656565564 Total Occupants508458568582575

• Another factor that shows trends in fatalities is the type of person. We don’t mean demographic information, but rather the type of vehicle that is being driven and if the person is an occupant in the car, a pedestrian, or a cyclist.

• The type of crash can also play a role in fatality rates.

• Crash Type20132014201520162017 Total Fatalities (All Crashes)*8497738979521,000 - (1) Single Vehicle506462499542566 - (2) Involving a Large Truck6367918394 - (3) Involving Speeding293255315325299 - (4) Involving a Rollover259218268294262 - (5) Involving a Roadway Departure377301379388371 - (6) Involving an Intersection (or Intersection Related)239212248269272

• Up next, we have a five-year trend for Arizona’s top-10 counties that have the highest fatality rates.

• County Name20132014201520162017 Maricopa County398367405478471 Pima County968893111114 Pinal County5945556271 Yavapai County4142474155 Navajo County3439433148 Coconino County4045585047 Mohave County5529495344 Apache County2826493542 Gila County2317311927 Yuma County2433161826 Top Ten Counties798731849906945 All Other Counties4942464555 All Counties8477738959511,000

• Below, are listings by county of the most speed-related fatalities in Arizona.

• County Name20132014201520162017 Apache County13318126 Conchise County966114 Coconino County1118171810 Gila County 11 7 13 8 8 Graham County17224 Greenlee County21010 La Paz County431258 Maricopa County111111132148128 Mohave County 289262117 Navajo County131510521 Pima County3827334536 Pinal County 2417162421 Santa Cruz County55022 Yavapai County 1414221725 Yuma County912869

• Have you ever wondered about the amount of drunk driving going on in your county? Check out the table below to see fatalities in crashes that involved an alcohol-impaired driver with a BAC over .08.

• County Name20132014201520162017 Apache County 117221514 Cochise County 65658 Coconino County 101715818 Gila County 751149 Graham County24252 Greenlee County20011 La Paz County21233 Maricopa County 9777115128131 Mohave County 126121414 Navajo County111015714 Pima County 2925322433 Pinal County 1418181614 Santa Cruz County33101 Yavapai County 10101059 Yuma County711556

• In 2016, Arizona law enforcement arrested 211 teenagers (under the age of 18) for drunk driving.

• This number places Arizona as the 14th worst state in the U.S. for underage drinking and driving.

• Below are the facts concerning underage (under 21 years old) drinking-related fatalities:

• If you or someone you know is in an accident, you want help to arrive as FAST as possible.

• Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities Rural3.9617.456.8072.01277 Urban1.655.7123.9930.50574

• Response times in Arizona are longer for those who live in rural areas. It takes less than 30 minutes in an urban setting to arrive at the hospital.

• – Transportation in Arizona

• When you drive through your neighborhood, do you ever take note of how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

• The average household in Arizona has two cars.

•  

•  

• The average commute time in Arizona is 23.7 minutes, which is a bit shorter than the national average of 25.3 minutes. The chart below represents the commute times in Arizona compared to the national average.

•  

• Now, let’s take a look at methods of commuter transportation in Arizona.

•  

• As in most states, the most common transportation method is driving alone to work, followed by carpooling and working from home.

• No one likes sitting in traffic. Phoenix is the fifth-largest city in the US and ranks 140th for congestion.

• Below is a chart showing how much time commuters spend in traffic in Arizona’s two most populated – and congested – cities.

• Arizona Cities With the Most Traffic Congestion CityHours Spent in TrafficPeak (Time in Traffic)Daytime (Time in Traffic)Overall (Time in Traffic) Phoenix, AZ349%4%6% Tucson, AZ105%4%4% Surprise, AZ138%8%7%

• Now that you’ve read through this comprehensive guide, and know everything there is to know about how to buy Arizona auto, it’s time to hit the road. Enter your zip code below to get a free quote comparison to find affordable Arizona auto insurance for you.

• Related Articles

• Free Auto Insurance Comparison

• Enter your ZIP code below to compare auto insurance rates.

•  Secured with SHA-256 Encryption

• AutoinsuranceEZ.com is a top savings referral service which enables consumers to quickly and easily request multiple competitive insurance quotes from optimally selected local insurance agents and companies using our proprietary consumer alignment technology. Our site does not provide quotes directly to consumers. AutoinsuranceEZ.com does not provide insurance and we do not represent any specific insurance provider.

• AutoinsuranceEZ.com is a top savings referral service which enables consumers to quickly and easily request multiple competitive insurance quotes from optimally selected local insurance agents and companies using our proprietary consumer alignment technology. Our site does not provide quotes directly to consumers. AutoinsuranceEZ.com does not provide insurance and we do not represent any specific insurance provider.

• Copyright © 2001-2024  |  AutoinsuranceEZ.com  |  7901 4th St. N #19799 St. Petersburg, FL 33702  |  Privacy Policy  |  Terms & Conditions  |  CCPA

• Disclaimer: AutoinsuranceEZ.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.

• Free Car Insurance Comparison

• Compare Quotes From Top Companies and Save

•  Secured with SHA-256 Encryption