#6 – Farmers: Best Gap Insurance Discounts
Pros
- Long List of Discounts: Farmers offers more gap insurance discounts than any Arizona company on this list.
- Strong Local Presence: With a significant number of agents in Arizona, Farmers provides personalized service and support. Read more in our complete Farmers auto insurance review.
- Financial Strength: Farmers’ excellent A.M. Best rating ensures reliable gap insurance coverage for Arizona residents.
Cons
- Higher Premiums: Arizona drivers may find Farmers gap insurance rates slightly higher compared to other providers, despite the customization options.
- Varied Customer Service Experiences: Arizona drivers report inconsistent experiences with Farmers gap insurance customer service in different cities.
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#7 – American Family: Cheapest for Young Drivers
Pros
- Tailored Arizona Coverage: American Family focuses on providing affordable gap insurance policies for Arizona families with teen drivers.
- Exceptional Customer Service: Arizona policyholders consistently praise AmFam for its responsive and family-oriented customer service. Get full ratings in our AmFam Insurance review.
- Comprehensive Coverage Options: American Family offers a range of gap insurance policies that cater to various scenarios faced by Arizona drivers.
Cons
- Limited Availability: American Family’s services may be less accessible in certain parts of Arizona, limiting the convenience of in-person support.
- Premium Costs: Arizona drivers might find American Family gap insurance premiums higher, particularly for comprehensive coverage.
#8 – Nationwide: Cheapest Vanishing Deductible
Pros
- Vanishing Deductible Rewards: Nationwide will reduce the full coverage deductible on Arizona gap insurance every year drivers go without filing a claim.
- Discount Variety: Arizona drivers benefit from a broad range of discounts, helping to reduce overall gap insurance costs. Compare rates and discounts in our Nationwide review.
- Reputation for Reliability: Nationwide’s strong A.M. Best rating reassures Arizona drivers of dependable gap insurance coverage.
Cons
- Service Variability: Some customers report inconsistent experiences with Nationwide’s customer service, particularly concerning AZ gap insurance claims.
- Complex Policy Options: Arizona drivers might find Nationwide’s array of gap insurance options overwhelming, requiring careful consideration to choose the right coverage.
#9 – Liberty Mutual: Cheapest Comprehensive Protection
Pros
- Extensive Arizona Coverage: Liberty Mutual offers comprehensive gap insurance policies that cover a broad spectrum of needs for Arizona drivers.
- Strong Claims Process: Arizona customers frequently commend Liberty Mutual for its efficient claims process, especially for gap insurance.
- Financial Stability: Liberty Mutual’s high A.M. Best rating ensures reliable coverage for Arizona policyholders. Get further details in our Liberty Mutual auto insurance review.
Cons
- Higher Premiums: Arizona drivers may find Liberty Mutual gap insurance rates on the higher end compared to other providers.
- Discount Availability: Liberty Mutual offers fewer discounts on gap insurance in Arizona, potentially resulting in higher overall costs.
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#10 – The General: Best for High-Risk Drivers
Pros
- Competitive Arizona Rates: The General offers affordable high-risk auto insurance options for gap coverage in Arizona, often lower than competitors. Compare rates in our review of The General.
- Simple Online Process: Arizona drivers appreciate The General’s straightforward online process for obtaining gap insurance quotes and coverage.
- Accessible Coverage: The General provides gap insurance options that are accessible to a broad range of Arizona drivers, regardless of their driving history.
Cons
- Limited Coverage Options: Arizona drivers may find The General gap insurance policies less comprehensive and with fewer customization options than its competitors.
- Mixed Customer Reviews: Some customers report varying experiences with The General’s customer service and Arizona gap insurance claims handling.
Arizona Gap Insurance Cost Summary & Comparison
The cost of gap insurance in Arizona ranges between $20 and $360 per year, adding about $2-$30 to your monthly rates. This table outlines the monthly auto insurance premiums for basic minimum liability and full coverage auto insurance with gap coverage from leading providers in Arizona.
Gap Insurance Monthly Rates in Arizona by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $35 | $90 |
| American Family | $39 | $102 |
| Auto-Owners | $25 | $70 |
| Farmers | $37 | $98 |
| Liberty Mutual | $42 | $114 |
| Nationwide | $40 | $105 |
| Progressive | $32 | $85 |
| State Farm | $30 | $83 |
| The General | $45 | $115 |
| USAA | $28 | $77 |
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Auto-Owners stands out as the budget-friendly choice, with premiums starting at $25 for basic coverage, while The General and Liberty Mutual offer the highest prices, especially for comprehensive protection.
Multiple factors combine to determine your overall gap insurance costs, making it crucial to consider them when shopping for coverage.
- Vehicle Type: The make, model, and age of your car significantly influence your gap insurance rates, with newer, more expensive vehicles typically costing more to insure.
- Driving Record: A clean driving history can lower your premiums, while accidents or traffic violations may lead to higher rates for gap insurance in Arizona.
- Coverage Level: Opting for full coverage instead of minimum coverage increases your monthly premiums but provides more comprehensive protection.
By understanding what affects your Arizona insurance rates, you can find the most cost-effective policy for your needs.
