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: Oct 21, 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: Oct 21, 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 reviewsFind the best car insurance after an accident in Arizona with State Farm, Geico, and Progressive, with rates starting at $36 per month.
These providers they offer coverage options, outstanding customer service, and various discounts, ensuring you can find the right fit for your needs.
| 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 |
Assess your options and understand how an accident affects your rates to secure the best coverage. Explore our guide titled “Car Insurance for Seniors: Discounts and Coverage.”
Do you need the cheapest car insurance possible? Use our free comparison tool, which allows you to enter your ZIP code above, 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 comprehensive coverage for Arizona drivers that needing the best car insurance after an accident.
- Low Monthly Rates: State Farm offers monthly rates starting at $36 for minimum coverage, making it affordable for Arizona drivers.
- Bundling Policies: State Farm offers a 17% bundling discount, helping Arizona drivers save after an accident. (Learn more: State Farm Insurance Review).
Cons
- Limited Multi-Policy Discount: State Farm’s multi-policy discount is lower than some competitors, which may not fully benefit Arizona drivers looking for the best car insurance after an accident.
- Premium Costs: State Farm’s premiums may be higher for some coverage levels, impacting affordability for Arizona drivers recovering from accidents.
#2 — Geico: Best for Competitive Rate
Pros
- Competitive Rates: Geico is known for offering some of the best competitive rates for car insurance after an accident in Arizona.
- Low Monthly Rates: Geico provides a minimum coverage starting at $38 per month, it making an excellent option for the driver to looks for affordable insurance after an accident.
- High Bundling Discount: Geico offers a 25% bundling discount, which can enhance savings for Arizona drivers after an accident. See more of our guide, “Geico Auto Insurance Review.“
Cons
- Limited Personalization: Geico’s service may lack the personalized contact that is needed for Arizona drivers who seek complete support after an accident.
- Fewer Specialized Programs: Geico does not offer as many specialized programs as competitors like Allstate, which could benefit Arizona drivers after an accident.
#3 — Progressive: Best for Snapshot Discount
Pros
- Snapshot Discounts: Progressive offers a Snapshot program, which can reward a safe driving. It is ideal for drivers seeking the best car insurance after an accident in Arizona.
- Low Monthly Rates: Progressive offers a minimum coverage starting of $53 per month for drivers to recovering from accidents. For further insights, dive into our Progressive insurance review.
- Moderate Bundling Discount: They offers 20% bundle discount to helps Arizona drivers save on multiple policies while getting the best car insurance after an accident.
Cons
- Data Dependency: Progressive’s discounts depend heavily on telematics data, which may not appeal to all Arizona drivers looking for straightforward options after an accident.
- Average Claims Support: Claims processing times might be slower than those of competitors like Travelers, which could delay support for drivers after an accident in Arizona.
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#4 — Allstate: Best for Specialized Programs
Pros
- Specialized Programs: Allstate offers technical programs created for drivers who need the best car insurance after an accident in Arizona.
- Highest Bundling Discount: Allstate offers a 30% discount on bundling policies, which provides substantial savings for Arizona drivers recovering from accidents.
- Low Monthly Rates: Allstate offers a minimum coverage starting at $97 per month, it makes a accessible for drivers after an accident. Check out our Allstate auto insurance review for more insights.
Cons
- Higher Premiums: Allstate’s premiums can be relatively high, which may burden Arizona drivers seeking the best car insurance after an accident.
- Mixed Customer Satisfaction: Customer service ratings are not as high as those of competitors like Amica, which might concern drivers looking for support after an accident in Arizona.
#5 — Farmers: Best for Flexible Coverage
Pros
- Flexible Coverage: Farmers provides customizable policies that are well-suited to drivers looking for the best car insurance after an accident in Arizona.
- Low Monthly Rates: Farmers’ minimum coverage starts at $73 per month. They offer competitive rates for drivers that needing a assistance after an accident. Discover more facts on Farmers’ insurance review.
- Solid Reputation: Farmers has an A rating from A.M. Best. They ensure the financial security for Arizona drivers who require support after an accident.
Cons
- Lower Bundling Discount: Farmers offer only a 10% bundling discount, which is less approving for Arizona drivers seeking savings after an accident.
- Premium Costs: Rates may be higher than those of providers like Geico and Progressive, which is the impact of affordability for drivers recovering from an accident.
#6 – Liberty Mutual: Best for Robust Forgiveness
Pros
- Robust Forgiveness Programs: Liberty Mutual’s provide an accident forgiveness program is a ideal for Arizona drivers seeking the best car insurance after an accident.
- Low Monthly Rates: Liberty Mutual auto insurance review offers a minimum coverage with a starting rates at $90 per month, creating it a good option for drivers recovering from accidents in Arizona.
- Decent Bundling Discount: Liberty Mutual provides a 15% discount for bundling policies that they enhance the savings for drivers who looking for the best car insurance after an accident.
Cons
- Higher Premiums: Full coverage rates can be high compared to other providers, certainly affecting affordability for drivers post-accident in Arizona.
- Lower Customer Satisfaction: Lower customer satisfaction ratings are not as high as those of competitors like Amica, which might concern drivers seeking reliable support after an accident.
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#7 – Travelers: Best for Efficient Claims
Pros
- Efficient Claims Process: Traveler is known for fast claims handling, it makes ideal for Arizona drivers that they need the best car insurance after an accident.
- Low Monthly Rates: Minimum coverage starts at $53 per month, providing affordable options for drivers recovering from accidents in Arizona.
- High Financial Strength: Travelers has an A++ A.M. Best rating, ensuring financial stability for drivers. For more information, see our guide, “How can I pay my travelers insurance premium?“
Cons
- Limited Niche Programs: Fewer specialized programs compared to Allstate may not fully meet the needs of Arizona drivers after an accident.
- Higher Premiums: Premiums may be a higher than those of the competitors like Geico or Progressive, affecting the affordable for drivers post-accident.
#8 – Nationwide: Best for Vanishing Deductible
Pros
- Higher Premiums: Premiums may exceed competitors like Geico or Progressive, affecting affordability for drivers after an accident. For details, see our guide, “Does Nationwide offer liability coverage?“
- Low Monthly Rates: Premiums may be higher than those of competitors like Geico or Progressive, impacting affordability for drivers post-accident.
- Solid Bundling Discount: Nationwide provides an 18% bundling discount, which is an advantage for drivers in Arizona who are seeking the comprehensive coverage after an accident.
Cons
- Limited Add-ons: A fewer add-ons coverage choice compared to Liberty Mutual or Allstate may not suit all drivers in Arizona after an accident.
- Average Customer Service: Customer service ratings are decent but don’t match the level of State Farm or Amica, which could impact support after an accident.
#9 – Amica: Best for High Satisfaction
Pros
- Pros
High Customer Satisfaction: Amica offers with a high ranks for customer service, it essential factor for Arizona drivers seeking the best car insurance after an accident. - Low Monthly Rates: Amica offers minimum coverage starting at $42 per month, appealing for drivers needing accident assistance. Take a look at our Amica insurance review for more details.
- Strong Bundling Discount: Amica offers a 22% discount for bundling multiple policies, it provide a excellent savings for drivers who looking for the best car insurance after an accident in Arizona.
Cons
- Higher Premiums: Amica’s rates can be higher than Geico or State Farm’s, and it has the potential to test Arizona drivers’ finances post-accident.
- Limited Availability: Limited availability in all states may limit accessibility for Arizona drivers seeking the best car insurance after an accident.
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#10 – The Hartford: Best for Disappearing Deductible
Pros
- Disappearing Deductible: Hartford’s vanishing deductible program helps Arizona drivers seek the best car insurance after an accident.
- Low Monthly Rates: They offers a minimum coverage starting rates of $48 per month, which is affordable for drivers who recovering from accidents in Arizona.
- Good Financial Stability: The Harford offers customized programs for senior drivers in Arizona needing post-accident support. Check out our guide, “How do I renew my car insurance policy with The Hartford?
Cons
- Lower Bundling Discount: The Hartford 14% bundling discount is lower than competitors like Allstate, which may limit savings for Arizona drivers after an accident.
- Limited Coverage Options: Fewer technical coverage options compared to Progressive or Liberty Mutual may not fully meet the needs of all drivers after an accident.
Arizona Accident Car Insurance Rates by Provider
The monthly rates for the car insurance companies following an accident in Arizona vary depending on the provider; State Farm offers coverage at a starting rate of $36 per month; Allstate is the priciest option at $97 per month; Geico and Amica both offer competitive rates at around $50, per month as well. (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 |
State Farm is a choice, for Arizona drivers looking for insurance options with their monthly rate starting at $96. The most affordable among the providers mentioned in the list like Geico at $101 and Amica at $115 per month; Allstate and Liberty Mutual have higher rates of $259 and $240, per month respectively for full coverage policies.
Arizona drivers have a range of options when it comes to insurance coverage from companies, like Progressive and Travelers with rates typically falling between $130 and $141 per month for both comprehensive plans to cater to budget requirements, across the state.
Tailoring Car Insurance Coverage for Arizona Drivers
According to Arizona law, all drivers must have liability insurance, which has premiums of $15,000 for property damage, $50,000 for accidents, and $25,000 for bodily injury per person. Even though these minimums provide a bare minimum of protection, depending on your unique situation, it is wise to think about the greater limits.
Car Insurance Discounts From the Top Providers After an Accident in Arizona| Insurance Company | Available Discounts |
|---|---|
| Accident Forgiveness, Safe Driving Discount, Multi-Policy Discount |
| Accident Forgiveness, Multi-Policy Discount, Safe Driver Discount |
| Accident Forgiveness, Multi-Policy Discount, Defensive Driving Course Discount |
| Accident Forgiveness, Multi-Policy Discount, Good Driver Discount |
| Accident Forgiveness, Multi-Policy Discount, Defensive Driving Discount |
| Accident Forgiveness, Multi-Policy Discount, SmartRide Discount |
| Accident Forgiveness, Snapshot Discount, Multi-Policy Discount |
| Accident Forgiveness, Multi-Policy Discount, Safe Driver Discount |
| Accident Forgiveness, Multi-Policy Discount, Defensive Driving Discount |
| Accident Forgiveness, Multi-Policy Discount, Safe Driver Discount |
Additionally, drivers in Arizona have the option to include collision and comprehensive coverage in their policy. While collision coverage pays for accident repairs, comprehensive coverage guards against non-crash damages like theft and vandalism. These coverages might be required if you have a loan or lease on your car, even though they are not legally required.
Arizona Report Card: Auto Insurance Premiums| Category | Grade | Explanation | |
|---|---|---|---|
| Claims Process | A | Efficient claims handling with most major insurers | |
| Coverage Options | A- | Wide range of customizable coverage options available | |
| Affordability | B+ | Premiums are slightly higher in urban areas like Phoenix | |
| Customer Satisfaction | B+ | Good overall satisfaction but mixed reviews in rural areas |
Uninsured and underinsured motorist coverage also provides an important safeguard in case you are in an accident with a driver who does not have sufficient insurance. You can ensure you have the required coverage for your Arizona auto insurance by making educated judgments based on your knowledge of these options. To understand better, look at our detailed guide, “How Insurance Companies Calculate Your Car Insurance Rate.”
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The Influence of Incidents on Auto Insurance Costs
After an accident, car insurance rates in Arizona usually go up because insurers see it as a sign of higher risk. The seriousness and frequency of accidents are key factors in deciding how much your premiums will increase. Safe drivers with a clean record pay lower premiums, while those with a history of accidents may experience significant cost increases.
Arizona 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 |
Shopping around after an accident can result in better discounts because different insurance companies in Arizona have different ways of calculating rates. Although accidents typically result in higher rates, the best strategies to keep premiums affordable are to keep your driving record spotless and adopt safe driving practices.
Evaluating Car Insurance Companies After an Accident
In choosing the best car insurance following an accident in Arizona, one would have to evaluate coverage options, customer service, claims handling, and financial stability after an accident. After an accident, try to find companies that give full protection and extras 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 |
Arizona in times of financial hardship, prompt settlement and proper customer service become of key concern while dealing with the claims. Easy online claim systems can be used to choose the insurers that can settle faster and respond timely.
When your child goes away to college, there are options to lower your insurance premiums. Here’s how: https://t.co/RaefBSO3Ty#carinsurance pic.twitter.com/9M1Zk15gbP
— State Farm (@StateFarm) October 8, 2024
There will be no doubt that the company will meet its obligations because of its sound financials. Reputable insurance companies of Arizona, Progressive, Geico, and State Farm deliver reliable post-crash support at reasonable prices. You can make the choice you prefer by comparing coverage and costs. For additional insights, refer to our detailed guide, “Compare Online Car Insurance Quotes to Save Money.”
Tips to Lower Your Car Insurance Rates After an Accident
Arizona car insurance rates may increase with an accident, but that’s not where you must dial it back. Safe driving discount programs for any group that is able to keep their record accident-free and shows defenses in some way by participating in a defensive driving course will decrease 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 |
| Bundling Home & Auto | A | 25% | Liberty Mutual, State Farm |
| Multi-Car Discount | A- | 15% | Progressive, Farmers |
| Good Student Discount | B+ | 10% | USAA, Nationwide |
| Anti-Theft Device Discount | B | 7% | Allstate, Travelers |
Bundling several insurance products from one insurance company allows a person to acquire discounts, while other policies, such as auto and home, can also be bundled. Sourcing for quotes from different companies will also help someone get the best auto insurance in Arizona after an accident.
In getting post-accident coverage in the best ways possible, drivers are expected to scrutinize various companies offering insurance options that are in line with the driver’s needs and offer to their clients, then design and implement strategies that would reduce premiums.
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Case Studies: Navigating Car Insurance After an Accident in Arizona
Searching for the best auto insurance in Arizona after an accident reveals how different companies meet various needs. The case studies below show how drivers secured reliable, affordable coverage.
- Case Study #1 — Personalized Service: John is a resident of Phoenix. It was his first major accident. He was concerned about high premiums, so the help in settling efficiently on the basis of State Farm’s claim service and accident forgiveness appealed to him. With a local agent and speedy repair, John was back on the road with only a nominal increase in his rate.
- Case Study #2 — Affordable Rates: Samantha is a young driver from Tucson. She had a minor car collision and was concerned that it might increase her insurance cost. Geico’s market price and the accident forgiveness benefit program let her keep her premium lower. She submitted an easy claim on their digital platform and got her car repaired without waiting in line with her budget.
- Case Study #3 — Maximizing Discounts: Dave was a Scottsdale dad who got in a multi-car accident that he was not at fault for. He already had Progressive’s Snapshot on his policy, which gave him safe driving discounts, but fast claims and bundling additional savings allowed him to drive off with inexpensive, comprehensive coverage over his family.
State Farm, Geico, and Progressive offer Arizona drivers personalized service, low premiums, and discount opportunities for post-accident coverage claims. 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 to make the best decision for your situation. Please 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.