Why Is Car Insurance So High In Arizona

By | July 14, 2018

There are a number of reasons that these states see super high car insurance rates everything from unique insurance schemes high density populations high numbers of uninsured drivers and costly lawsuits. A large part of the reason why auto insurance is getting so expensive in Nevada is the fact that accident claims are on the rise in the states busiest city of Las Vegas.

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In Arizona there were 919 fatal car crashes in 2018 compared with 770 fatal car crashes in 2014.

Why is car insurance so high in arizona. Here are a few of the reasons why. When you are considering how much insurance you should obtain for certain you must meet these Arizona minimum car insurance amounts must be met. Arizona has a moderate crime rate compared to other parts of the country.

Many young adults have lived on their own for years have graduated from college or have held jobs successfully. Why Is Car Insurance So Expensive in Arizona. Why are auto insurance rates high in Arizona.

The average cost of car insurance in Arizona is 102 per month or 615 for a six-month policy. So it might stand to reason that theyre just as responsible as their older counterparts behind the wheel. If you live in Arizona your car insurance prices are about average for the nation.

However statewide car insurance in Arizona is still affordable compared with the rest of the country. Generally states that are more urban or have large populations tend to have higher average car insurance costs than rural states. I read somewhere that Arizona is 43 in the country as far as the average premiums go.

Because Arizona has higher than average traffic fatalities. Why Is Arizona Car Insurance Reasonably Priced. All of these factors drive up premiums.

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In Arizona you can expect to pay approximately 1443 per year for full coverage car insurance or 581 per year for minimum coverage. I get a discount for bundling my home insurance and using the safe. Car insurance in Arizona is expensive because the state has higher than average traffic fatalities with 14 deaths per 100 million miles driven compared to the national average of 11.

However when referring to Arizona auto insurance prices in specific youll notice that prices have risen over the past few years. But insurance companies beg to differ and until youre 25 you can expect to pay insurance. Also if you drive a lot youre driving a car thats considered unsafe or you have children on your policy you might see increased rates.

There are several reasons your car insurance is higher than youd like including having a poor driving record a history of claims and a poor credit history. Married couples also will usually have more than one vehicle and could possibly have some teen drivers on the policy as well. There are pockets of Phoenix where the cost of car insurance is very expensive.

In a related question what car insurance companies out there do you guys recommend. Luckily my current insurance provider Allstate gave me a quote I could live with. Married couples in Arizona typically pay more for their car insurance than drivers who are single.

I was perusing the AZ DMV website and I was wondering why it cost so much to register a car in Arizona. The flip side of the coin are mostly rural states that have high levels of properly insured drivers. However many financial and legal professionals would advise that if you can afford it or if your car is an expensive model to consider purchasing higher amounts of coverage.

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Arizona requires that all drivers obtain insurance coverage with bodily injury liability at 1500030000 and 10000 in property damage liability. This likely due to the simple fact that there is more than 1 driver on the policy. Our data show Arizona is actually 13 cheaper than the national average for car insurance.

These three numbers represent different amounts your insurer would pay out in case of an accident. So Arizona insurance costs less than states with more crime. But other factors come into play too such as car insurance laws.

The increasing frequency of accidents in Sin City is attributable to the fact that the citys population has increased after the Great Recession. SB 1087 is a law that increases the minimum limit Arizona drivers must carry for auto insurance liability. Insurance prices in general are a function of a multitude of factors.

More drivers means more accident claims which spikes costs. Higher crime means a higher likelihood of vandalism or theft which raises insurance rates. This is only 40 more than the national average so you arent getting fleeced for car insurance like those that live in Michigan the most expensive state.

Only 55 more per month than my 2003 Honda Accord which only has the legal minimum insurance. Why is Arizona car insurance so expensive. A high percentage of uninsured and underinsured drivers a significantly higher cost to pay for medical and litagation related expenses more vehicles on the road leading to more auto accidents increaesd value of vehicles increased cost to.

I am 33 male single no accidents Indiana and for 500 compcollision it was 95 per month. Effective July 1st 2020 it raises the current minimums from 150003000010000 to 250005000015000. Arizonas car insurance premiums have been rising in the last few years mainly due to people moving into the state.

There also are a high number of uninsured motorists in Arizona.

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