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A Look At Premiums Inside The Grand Canyon State

Our insurance premiums are based on where we live in the country. While our driving record, credit history gender, and make, model and year of our vehicles are all important elements in determining our premium rates, where we live cannot be overlooked.



When you type “car insurance Arizona” into the search engine, you’re presented with an overwhelming amount of options. Luckily for you, you’ve landed on CoverHound, where’s it’s our priority to get you the most competitive insurance quotes on the market.



Arizona Auto Insurance Laws

Every state across the U.S. requires that their licensed motorists carry some form of auto insurance protection. Arizona requires its motorists to verify their financial responsibility for damages that happen as a direct result of an auto collision.



Arizona offers their drivers two choices to show proof of responsibility. This can either take the form of liability insurance, or a certificate of deposit equating to $40,000 made out to the office of the Arizona State Treasurer.




Auto Liability Insurance: This type of insurance covers injuries and damages to the other person as result of a car accident that you have been found to be at fault for. This coverage type usually pays for medical expenses, income loss, vehicle repair and funerary costs. The minimum limits Arizona requires are:



Like other states, Arizona offers its drivers optional insurance packages, these include:






Remember, it is always suggested that you take out more insurance than your state requires.



Location and Your Premiums

To show you that your auto insurance premium is partly based on where you live, we selected two Arizona cities (Phoenix and Willcox) for comparison. Here are the variables we used to get our results:




Vehicle type and Model: 2006 Honda Ex Sedan

Ownership: Owned

Vehicle Use: Commute

Miles Commuted: 15, 5 days a week

Ages: 25, 45, 65

Payments: Monthly





























Phoenix, AZ (Pop. 1,445,632)AgeMaleFemale25$70$6945$49$4765$47$46





























Willcox, AZ (Pop. 3,757)AgeMaleFemale25$59$5745$37$3665$36$34



The results include two automatic discounts: Good Driver and Senior discounts. Though keep in mind, this is before you enter your personal history. After gathering basic statistics, our site will ask for other information including:





Your car insurance rates are based on many factors, but one of the more important include where you live. In a big city you can expect to pay more for coverage, and in a more rural location, less. Get your insurance quote today with Coverhound.

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