Best Car Insurance After an Accident in Arizona (Top 10 Companies Ranked for 2024)
State Farm, Geico, and Progressive offer the best car insurance after an accident in Arizona, starting at $36/month. State Farm excels in personalized service, Geico offers competitive rates, and Progressive provides Snapshot discounts, making them the top choices for drivers in Arizona.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Sep 29, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. 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 legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Full Coverage After an Accident in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage After an Accident in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe top pick overall for the best car insurance in Arizona after an accident are State Farm, Geico, and Progressive, with competitive rates starting at just $36/month.
These providers offer a range of coverage options, exceptional customer service, and various discounts, ensuring you find the right fit for your needs.
Our Top 10 Company Picks: Best Car Insurance After an Accident in Arizona| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Personalized Service | State Farm |
 | #2 | 25% | A++ | Competitive Rates | Geico |
 | #3 | 20% | A+ | Snapshot Discounts | Progressive |
 | #4 | 30% | A+ | Specialized Programs | Allstate |
 | #5 | 10% | A | Flexible Coverage | Farmers |
 | #6 | 15% | A | Robust Forgiveness | Liberty Mutual |
 | #7 | 12% | A++ | Efficient Claims | Travelers |
 | #8 | 18% | A+ | Vanishing Deductible | Nationwide |
 | #9 | 22% | A+ | High Satisfaction | Amica |
 | #10 | 14% | A+ | Disappearing Deductible | The Hartford |
By evaluating your options and understanding the impact of accidents on insurance rates, you can secure the best coverage for your situation. Explore our guide titled “Car Insurance for Seniors: Discounts and Coverage.”
Need the cheapest car insurance possible? Enter your ZIP code above into our free comparison tool to find the most affordable rates for your vehicle.
- Find the best car insurance after an accident in Arizona, starting at $36/month
- State Farm provides personalized service and competitive rates
- Geico and Progressive offer discounts and affordable post-accident coverage
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#1 — State Farm: Top Overall Pick
Pros
- Competitive Minimum Coverage Rate: State Farm offers a low minimum coverage rate of $36 per month for vehicles in Arizona, making it a cost-effective choice for car insurance.
- Personalized Service: Known for its tailored support, State Farm provides personalized service to Arizona drivers, ensuring a customized insurance experience.
- Bundling Policies: State Farm offers a 17% bundling discount in Arizona, which can lead to significant savings for those combining multiple insurance policies. (Learn more: State Farm Insurance Review).
Cons
- Higher Full Coverage Rate: Despite its low minimum coverage rate, State Farm’s full coverage rate is $96 per month, which might be higher compared to some competitors in Arizona.
- Lower A.M. Best Rating: State Farm has a B rating from A.M. Best in Arizona, which may impact its perceived financial stability.
#2 — Geico: Best for Competitive Rate
Pros
- Lowest Minimum Coverage Rate: Geico provides an exceptionally low minimum coverage rate of $38 per month in Arizona, making it a highly affordable option.
- Top A.M. Best Rating: Geico boasts an A++ rating from A.M. Best in Arizona, ensuring strong financial stability and reliability.
- Generous Bundling Discount: Offers a 25% bundling discount in Arizona, which enhances overall savings for policyholders. See more of our guide, “Geico Auto Insurance Review.“
Cons
- Higher Full Coverage Rate: While the minimum coverage rate is low, the full coverage rate is $101 per month, which may be higher compared to other options.
- Less Personalized Service: Geico’s service model may be less personalized, potentially affecting those who prefer more direct, local interactions.
#3 — Progressive: Best for Snapshot Discount
Pros
- Affordable Minimum Coverage Rate: Progressive’s minimum coverage rate of $53 per month is competitive for drivers in Arizona. Dive into our progressive insurance review for further insights.
- Snapshot Discounts: Offers potential discounts based on driving behavior, which can be advantageous for safe drivers in Arizona.
- Solid A.M. Best Rating: With an A+ rating from A.M. Best in Arizona, Progressive is recognized for its financial strength and reliability.
Cons
- Higher Full Coverage Rate: The full coverage rate is $141 per month, which may be higher than some other insurance providers in Arizona.
- Mixed Customer Service Reviews: Customer service experiences may vary, with some reports indicating less favorable interactions.
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#4 — Allstate: Best for Specialized Programs
Pros
- High Bundling Discount: Allstate offers a generous 30% bundling discount in Arizona, leading to substantial savings.
- Specialized Programs: Provides specialized insurance programs tailored to different needs, which can be beneficial for diverse coverage requirements.
- Comprehensive Coverage Options: Allstate offers extensive coverage features for Arizona drivers. Take a look at our Allstate auto insurance review for more insights.
Cons
- Higher Minimum Coverage Rate: Minimum coverage costs $97 per month, which is on the higher end compared to competitors.
- Highest Full Coverage Rate: At $259 per month, the full coverage rate is significantly higher, which may not be ideal for budget-conscious drivers.
#5 — Farmers: Best for Flexible Coverage
Pros
- Flexible Coverage Options: Farmers provides customizable insurance policies to suit various needs in Arizona.
- Reasonable Minimum Coverage Rate: With a minimum coverage rate of $73 per month, Farmers offers competitive pricing. Discover more facts on Farmers insurance review.
- A-rated Financial Stability: The A rating from A.M. Best ensures reliability and trustworthiness.
Cons
- Higher Full Coverage Rate: Full coverage costs $195 per month, which may be relatively high compared to other insurers.
- Lower Bundling Discount: Farmers only offers a 10% bundling discount, which is less attractive than some competitors.
#6 – Liberty Mutual: Best for Robust Forgiveness
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Pros
- Robust Forgiveness Programs: Liberty Mutual offers valuable accident forgiveness options, which can benefit drivers with past accidents.
- Competitive Minimum Coverage Rate: Minimum coverage is priced at $90 per month, providing reasonable value. Acquire further details on our guide, “Liberty Mutual Auto Insurance Review.”
- Strong Financial Stability: Rated A by A.M. Best, ensuring strong financial backing and reliability.
Cons
- Higher Full Coverage Rate: Full coverage is $240 per month, which might be considered expensive by some drivers.
- Variable Customer Service: Service quality can vary, with mixed reviews affecting the overall customer experience.
#7 – Travelers: Best for Efficient Claims
Pros
- Efficient Claims Process: Travelers is known for handling claims efficiently, which can be a significant advantage for Arizona drivers.
- Affordable Minimum Coverage Rate: Offers a minimum coverage rate of $53 per month, providing good value.
- Excellent A.M. Best Rating: With an A++ rating, Travelers ensures strong financial stability. Uncover more information on our guide, “How can I pay my Travelers Insurance Premium?“
Cons
- Higher Full Coverage Rate: The full coverage rate is $141 per month, which could be higher than some competitors.
- Lower Bundling Discount: Only offers a 12% discount, which may not be as attractive as other options.
#8 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Offers a feature that reduces the deductible over time, which can be advantageous for safe drivers. Access more information in our guide, “Does Nationwide Offer Liability Coverage?“
- Affordable Minimum Coverage Rate: Minimum coverage is priced at $49 per month, providing competitive rates.
- Strong A.M. Best Rating: A+ rating from A.M. Best ensures reliable financial stability.
Cons
- Higher Full Coverage Rate: Full coverage costs $130 per month, which may be higher than some other insurers.
- Limited Discounts: May not offer as many bundling or loyalty discounts compared to other companies.
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#9 – Amica: Best for High Satisfaction
Pros
- Lowest Minimum Coverage Rate: With a rate of $42 per month, Amica offers one of the most affordable options in Arizona.
- High Customer Satisfaction: Known for excellent service and high customer satisfaction ratings. Take a look at our Amica insurance review for more details.
- Competitive Full Coverage Rate: Full coverage costs $115 per month, providing good value for comprehensive protection.
Cons
- Fewer Local Agents: Limited presence in some areas might affect customer support.
- Limited Discounts: May not offer as many bundling or loyalty discounts as other insurers.
#10 – The Hartford: Best for Disappearing Deductible
Pros
- Disappearing Deductible: Offers a deductible reduction feature over time, which can benefit long-term, safe drivers.
- Affordable Minimum Coverage Rate: Minimum coverage is priced at $48 per month, providing good value.
- Good Financial Stability: An A+ rating from A.M. Best indicates strong financial health. Check out our guide, “How Do I Renew my Car Insurance Policy With The Hartford?
Cons
- Higher Full Coverage Rate: Full coverage costs $135 per month, which may be higher than some competitors.
- Mixed Service Quality: Service experiences may vary, with some customers reporting less favorable interactions.
Arizona Accident Car Insurance Rates by Provider
In Arizona, monthly rates for car insurance after an accident vary by provider. For minimum coverage, State Farm offers the best car insurance rates in Arizona, with the lowest rate of $36, while Allstate is the highest at $97. Geico, Amica, and Nationwide also provide competitive options under $50 per month. (Read more: Insurance Company Reviews).
Arizona Accident Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $97 | $259 |
| $42 | $115 |
| $73 | $195 |
| $38 | $101 |
| $90 | $240 |
| $49 | $130 |
| $53 | $141 |
| $36 | $96 |
| $48 | $135 |
| $53 | $141 |
For drivers seeking full coverage, State Farm again stands out with the lowest rate at $96 per month, followed closely by Geico at $101 and Amica at $115. Allstate charges the highest for full coverage at $259, while Liberty Mutual also offers a higher premium at $240.
Other companies like Progressive, Nationwide, and Travelers offer moderate full coverage rates, ranging from $130 to $141, giving Arizona drivers a variety of options to suit different budget needs.
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Tailoring Car Insurance Coverage for Arizona Drivers
Arizona law requires drivers to carry liability insurance, with minimum coverage of $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. While these minimums offer basic protection, considering higher limits is advisable based on your individual circumstances.
Drivers can also add comprehensive and collision coverage to their policies. Comprehensive coverage protects against non-collision damages like theft and vandalism, while collision coverage covers repairs from accidents. Although not legally required, these coverages may be necessary if you have a loan or lease on your vehicle.
Arizona Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Affordability | B+ | Premiums are slightly higher in urban areas like Phoenix |
| Coverage Options | A- | Wide range of customizable coverage options available |
| Customer Satisfaction | B+ | Good overall satisfaction but mixed reviews in rural areas |
| Claims Process | A | Efficient claims handling with most major insurers |
Additionally, uninsured and underinsured motorist coverage, though optional, provides essential protection if you’re in an accident with an inadequately insured driver. Understanding these options helps you make informed choices about your car insurance in Arizona, ensuring you have the coverage you need. To understand better, look at our detailed guide, “How Insurance Companies Calculate Your Car Insurance Rate.”
The Influence of Incidents on Auto Insurance Costs
After an accident, car insurance rates typically increase as insurers view it as an indicator of higher risk. The severity and frequency of accidents play a major role in determining how much your premiums rise. While safe drivers with a clean record enjoy lower premiums, those with a history of accidents may face significant cost hikes.
Insurance companies adjust rates based on risk assessment, using accident data to predict future claims. At-fault accidents tend to cause a bigger jump in premiums compared to no-fault accidents, though even the latter can sometimes affect rates, especially if there is a pattern of frequent claims. For more insight, check our guide “Full Coverage Auto Insurance“.
Arizona Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Chandler | 8,000+ | 7,000+ |
| Mesa | 10,500+ | 9,000+ |
| Phoenix | 35,000+ | 30,000+ |
| Scottsdale | 6,500+ | 5,500+ |
| Tucson | 15,000+ | 12,500+ |
Different insurance companies have unique methods for calculating rates, so shopping around after an accident can lead to better deals. While accidents generally raise rates, maintaining a clean driving record and practicing safe driving habits are the best ways to keep premiums manageable.
Evaluating Car Insurance Companies After an Accident
Choosing the right car insurance after an accident involves evaluating coverage options, customer service, claims handling, and financial stability. Look for companies offering comprehensive protection and helpful add-ons like roadside assistance.
Most Common Auto Insurance Claims in Arizona| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $4,000 |
| Side-Impact Collisions | 25% | $3,500 |
| Single-Vehicle Accidents | 18% | $5,200 |
| Weather-Related Damage | 15% | $3,000 |
| Parked Vehicle Damage | 12% | $1,800 |
Customer service and efficient claims handling are crucial during stressful times. Choose insurers known for responsiveness and prompt settlements with easy-to-use online claim platforms.
Financial stability ensures the company can fulfill its obligations. In Arizona, top companies like State Farm, Geico, and Progressive offer competitive rates and reliable post-accident support. Comparing rates and coverage helps you make the best choice. For additional insights, refer to our detailed guide titled “Compare Online Car Insurance Quotes to Save Money.”
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Tips to Lower Your Car Insurance Rates After an Accident
Accidents can increase car insurance rates, but there are ways to lower premiums. Safe driving discounts are available for maintaining a clean record, and taking defensive driving courses can show your commitment to safety, potentially reducing your rates. To explore more, review our in-depth guide titled “Get Low-Cost Car Insurance With Driver Discounts.”
Arizona Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 20% | State Farm, Geico, Allstate |
| Multi-Car Discount | A- | 15% | Progressive, Farmers |
| Good Student Discount | B+ | 10% | USAA, Nationwide |
| Bundling Home & Auto | A | 25% | Liberty Mutual, State Farm |
| Anti-Theft Device Discount | B | 7% | Allstate, Travelers |
Bundling multiple insurance policies, such as auto and home, with the same company can result in multi-policy discounts. Additionally, shopping around and comparing quotes from different insurers can help you find the best auto insurance in Arizona after an accident.
To secure the best post-accident coverage, drivers should evaluate insurance companies based on coverage options, customer service, and financial stability while also implementing strategies to reduce premiums.
Case Studies: Navigating Car Insurance After an Accident in Arizona
When it comes to finding the best car insurance in Arizona after an accident, real-life scenarios can help highlight how different insurance providers offer solutions for various needs. These case studies provide insights into how different drivers in Arizona secured affordable and reliable coverage after facing accidents.
- Case Study #1 — Personalized Service: John, a Phoenix resident, experienced his first major accident and needed quick, reliable coverage without a huge premium increase. State Farm’s excellent customer service and accident forgiveness policy helped him manage his claim efficiently. With the support of his local agent and a fast repair process, John was back on the road with only a slight rate increase.
- Case Study #2 — Affordable Rates: Samantha, a young driver from Tucson, was in a minor fender bender and worried about the impact on her insurance costs. Geico’s competitive rates and accident forgiveness program kept her premiums affordable. She easily filed her claim through their digital platform and had her car repaired without delay, staying within her budget.
- Case Study #3 — Maximizing Discounts: David, a father from Scottsdale, was involved in a multi-car accident that wasn’t his fault. He needed family-friendly coverage and a way to keep costs low. Progressive’s Snapshot program helped him earn discounts for safe driving, while fast claims processing and bundling options offered additional savings. This allowed him to secure affordable, comprehensive coverage for his family.
Each of these case studies highlights how the right car insurance company can help drivers in Arizona navigate the complexities of post-accident coverage. Whether prioritizing personalized service, affordability, or opportunities to earn discounts, companies like State Farm, Geico, and Progressive offer solutions that fit a variety of needs. Explore our guide, “How to Save Money by Changing Your Car Insurance Policy.”
Brandon Frady LICENSED INSURANCE AGENT
When choosing your next provider, consider your specific priorities and leverage these case studies as a guide to make the best decision for your situation. Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
Frequently Asked Questions
What happens to my car insurance rate after an accident in Arizona?
Typically, your car insurance rate will increase after an accident, as insurers consider you a higher risk. Read more auto insurance for more details.
What is the minimum car insurance coverage required in Arizona?
Arizona law requires at least $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
How long does an accident stay on my driving record in Arizona?
Accidents generally remain on your driving record for up to 5 years, but the impact on your insurance premium may decrease over time.
Can I still get affordable car insurance after an accident in Arizona?
Yes, you can still find affordable car insurance, though premiums may be higher. Safe driving and certain discounts can help lower costs. To explore more, review our in-depth guide named “Best Car Insurance After an Accident in Arizona.”
What factors affect my car insurance rates after an accident in Arizona?
Your driving history, fault in the accident, coverage limits, and the severity of the claim are key factors that influence rate changes.
Is it mandatory to report an accident to my insurance company in Arizona?
Yes, it’s important to report any accident, even minor ones, to your insurance company to comply with policy requirements.
How can I reduce my car insurance rate after an accident?
You can reduce rates by maintaining a clean driving record, increasing deductibles, or taking defensive driving courses. Find out more in our guide”Arizona Car Accident Insurance Law: Understanding First & Third Party Claims.”
What is the difference between collision and comprehensive coverage?
Collision coverage pays for damages from accidents with other vehicles or objects, while comprehensive covers non-collision events like theft or natural disasters.
What does uninsured motorist coverage protect against?
Uninsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
How do I file a claim after a car accident in Arizona?
To file a claim, gather necessary information like police reports, photos of the accident, and any medical records, then contact your insurer to start the process. Ready to find affordable car insurance? Get started today by entering your ZIP code below into our free comparison tool.
Enter your ZIP code below to compare cheap insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
