You can get pay-per-mile insurance in Arizona from Allstate Milewise, Liberty Mutual ByMile, Metromile, Mile Auto, and Nationwide SmartMiles. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven. Each policyholder’s base rate is calculated according to normal car insurance rating factors, such as driving record, age, and ZIP code.
Notable Pay-Per-Mile Insurance Companies in Arizona
Pay-per-mile insurance can be an easy way for Arizona drivers to save if they use their cars infrequently. For example, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance. Individuals or families with an extra car that is rarely used should also consider pay-per-mile coverage.
Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
Drivers in Arizona need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $15,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Arizona is … read full answeruninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Arizona:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Arizona law. Lenders or lessors usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between
Car insurance in Arizona costs $55 monthly ($661 per year) for minimum coverage, on average, and around $149 per month ($1,787 annually) for a full-coverage policy. The cheapest insurance companies in Arizona are Noblr Reciprocal, Root Insurance, and Safeco, but insurers calculate premiums differently, so it’s a good idea to get quotes from more companies to find the best deal.… read full answer
Average Cost of Car Insurance in Arizona by Category
Clean driving record: $56 per month
After an at-fault accident: $85 per month
Driver with poor credit: $94 per month
Teen driver: $235 per month
After a DUI: $96 per month
The average cost of car insurance in Arizona is 8% lower than the national average auto insurance premium, and Arizona ranks 27 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Arizona, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.
Finally, it’s worth noting that car insurance premiums in Arizona are average, compared to the cost of coverage in neighboring states like Utah and New Mexico. You can find more details in the table below.
Cost of Car Insurance in Arizona vs. Neighboring States
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