Cheap Car Insurance In Arizona

Cheap car insurance rates in Arizona have been available for many years. We specialize in helping you find the best deals in Arizona on your auto insurance costs. Regardless of whether you live in a big city like Tucson or Phoenix, or a smaller town like Pima, our website will help you pay less on your vehicles. By entering your zip code at the top of the page, you can view the carriers that will save you the most money.


The cheapest policy will only have the state minimum liability limits. In Arizona, they are bodily injury limits of $15,000 per person, $30,000 per occurrence and a separate $10,000 for property damage.  Although these coverages will keep you legal, they are the lowest amounts you can have. To register and drive your vehicle, your policy must have these benefits. And that’s whether you live in Phoenix, Scottsdale or any part of the state.

The other policy coverages you can tweak are your collision and comprehensive deductibles. If you are financing your vehicle, or if it is fairly new, more than likely you have “full coverage.” And you should, since without it, you could possibly end up with a wrecked car and huge bill, including TWO car payments!

When buying a policy, or using our free quote service, you can request the “highest available deductibles.” This will transfer some of the risk from the insurer to you. So if you are involved in an accident that is your fault, or there is major hail damage to your car, you will pay more. However, you may not realize how cheap your rates will become. Depending on deductibles and the overall cost of your policy, you may save $350-$1,000 per year. That’s a lot of savings! However, decreasing your medical payments or bodily injury coverage is not likely to have a large impact on your premium.


If you were to have an accident that was your fault, or another type of serious claim, more than likely, these would not occur very often. Hypothetically, if you had an at-fault accident every three years (and that’s a lot!), paying an extra $250 or $500 for the claim is easily offset by the lower premiums of about $1,000 (or more) that you saved during this period of time.

Sometimes, it just does not make good economical sense to pay extra to cover events that rarely occur. Another approach to consider is to utilize high deductibles on your collision benefits and significantly lower amounts (perhaps $0, $100 or $250) on the comprehensive portion of your policy. And when the vehicle is 8-10 years old, simply remove the collision coverage altogether.

Many Arizona drivers drive very short distances to get to work, grocery stores and other places needed for typical everyday needs. Often, these roads are not major highways, but are much less-traveled roads. For example, although Tucson is a major city (and I frequently drive in Tucson), other than Speedway Ave, Tanque Verde Road and a few other roads, traffic is typically not congested and you can easily get from one place to another. Other than rush hour, traffic from the University to the outskirts of town is not heavy.

OK. So what does that have to do with cheap car insurance? Often, you can save a substantial amount of money if you closely examine your personal driving patterns. By matching these patterns with the appropriate policy, you’ll reduce the premiums you pay without taking too much additional risk. For example, if your driving is limited to distances less than 10 miles away (of course there will always be exceptions), an experienced broker can help find a reputable carrier that specializes in that type of risk and charges a lower rate than you pay.

Although we can never guarantee that you’ll cut your rate in half by utilizing our website, with our experience and knowledge, we are confident we can provide top-rated companies that will offer you the lowest available auto insurance rates in Arizona.