Cheapest Car Insurance Arizona

Insurance coverage rates in Arizona are slightly higher than the national average. With that in mind, you should take a good look at these providers and think about what level of coverage works best for you.

Cheapest Car Insurance Companies in Arizona

To determine providers of cheap car insurance in Arizona, we looked at regional customer satisfaction scores, coverage options and average rates across the state. Our cheapest picks for Arizona auto insurance are Geico, USAA, Progressive, State Farm and Travelers.

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Arizona.

Cheapest Car Insurance Coverage in Arizona

Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that’s required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Arizona for both coverage types.

Cheapest Full Coverage Car Insurance in Arizona

When it comes to car insurance, Arizona’s rates sit right at the national average. This means you’ll likely be able to find excellent service and affordable rates for car insurance in Arizona. We have found full coverage rate estimates as low as $1,173 per year or $98 per month.

The table below shows the providers that offer the cheapest car insurance on average for Arizona drivers.

Cheapest Liability Insurance in Arizona

For that same driving profile, we found that minimum coverage in the Grand Canyon State averages around $635 per year or $53 per month, making it 1% costlier than the national average of $627. The table below shows the providers that offer the cheapest minimum coverage in the state.

Age, driving histories and credit scores can have huge impacts on the cost of car insurance in Arizona. Below we compare cheap car insurance estimates for Arizona drivers in these categories.

Cheapest Car Insurance for Young Drivers in Arizona

Young drivers can pay significantly more for car insurance than older adults in their 30s and up. The series of tables below show the cheapest car insurance for young adult drivers in Arizona, along with estimated monthly and annual costs.

Cheapest Arizona Car Insurance for 16-Year-Olds

Teen drivers who lack driving experience in Arizona can expect to pay thousands of dollars more for car insurance than other age groups. Based on our research, 16-year-old drivers can find affordable full coverage insurance through Geico for $3,596 per year or $300 per month.

Cheapest Arizona Car Insurance for 17-Year-Olds

Geico generally offers cheap car insurance coverage for 17-year-old Arizona drivers. Our rate estimates show the provider tends to cost around $2,592 per year or $216 per month on average.

*Costs were taken from 2022 information.

Cheapest Arizona Car Insurance for 18-Year-Olds

Based on our cost estimates, 18-year-old drivers in Arizona tend to find lower rates through Geico and Auto-Owners Insurance. CSAA Insurance, Travelers and State Farm are also good options for teen drivers.

*Costs were taken from 2022 information.

Cheapest Arizona Car Insurance for 21-Year-Olds

Arizona drivers in their early 20s may find slightly cheaper rates on average than teen drivers. Based on our research, we found that 21-year-old motorists pay an average of $1,377 per year or $115 per month for full coverage car insurance with Geico.

*Costs were taken from 2022 information.

Cheapest Arizona Car Insurance for 25-Year-Olds

Arizona drivers who are 25 years old can find affordable car insurance coverage through Geico and Auto-Owners Insurance. On average, Geico costs around $1,308 per year, while Auto-Owners Insurance charges $1,978 per year for full coverage car insurance.

Cheapest Arizona Car Insurance for High-risk Drivers

At-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Arizona Car Insurance for Drivers With a Speeding Ticket

If you get a speeding ticket, you’ll likely pay more for insurance coverage. The average estimate for a driver with a speeding ticket in Arizona is $2,669 per year, or $222 per month. Geico tends to offer the cheapest coverage for Arizona drivers with a speeding ticket, with an average rate estimate of $1,446 per year, or $121 per month.

Cheapest Arizona Car Insurance for Drivers With a Recent Accident

If you’re found to be at-fault for a car accident in Arizona, you’ll likely see your rates go up. The average estimate for a driver with a recent accident in Arizona is $2,938 per year, or $245 per month. Geico tends to offer the cheapest coverage for Arizona drivers with a recent accident, with an average rate estimate of $1,912 per year, or $159 per month.

Cheapest Arizona Car Insurance for Drivers With a DUI

Having a DUI on your record will result in higher premiums. The average estimate for a driver with a DUI in Arizona is $3,197 per year, or $266 per month. State Farm tends to offer the cheapest coverage for Arizona drivers with a DUI, with an average rate estimate of $1,893 per year, or $158 per month.

Cheapest Arizona Car Insurance for Drivers With Poor Credit

In Arizona, insurers can use your credit score as a factor to determine your rates. Drivers with lower credit scores typically pay more for coverage. The average rate estimate for drivers with a poor credit score in Arizona is $6,321 per year, or $527 per month. 

Geico tends to offer the cheapest coverage for Arizona drivers with poor credit, with average estimates of $1,813 per year, or $151 per month.

Car Insurance Deals in Arizona

Arizona motorists can expect to find a variety of car insurance discounts and deals from car insurance companies in the state. The table below compares the discounts offered by the best cheap car insurance providers in Arizona, which we’ll discuss in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Arizona

Taking advantage of car insurance discounts can help drivers in Arizona save a ton of money on car insurance premiums. Discounts depend on your driver profile, so as you’re shopping around for car insurance, remember to look for providers that offer the best discounts for your situation. You can also speak with your insurance agent to see if there are any discount opportunities that you are missing out on.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Bundle two or more insurance policies to get this discount
• Multi-vehicle: Combining auto insurance policies or insuring multiple cars under the same policy
• Military: Applies to both active members and veterans
• Senior: Drivers who are 55 and older typically are eligible for this discount
• Homeowners: If you own a home, you may qualify for this discount
• Good student: Usually for college and high school students under 25 with a B average in their courses
• Good driver: Applies to drivers with a clean driving record
• Defensive driving: Take a defensive driving course to qualify for this discount
• Driver training: Get a discount by taking a driver education training course accepted by your provider
• New car: Given to drivers who purchase a new car, typically three years or younger
• Safe car: Applies if your vehicle has safety features like anti-theft technology or certain seatbelt features
• Paperless: Receive a discount by opting to go paperless
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Grand Canyon State, the sections below contain more detailed information:

According to our research, the average estimate for full coverage car insurance in Arizona for 35-year-old drivers with clean driving records is around $2,008 per year or $167 per month, exactly the national average. 

Arizona Car Insurance Cost by Age

Young drivers and especially teen drivers pay substantially higher rates for car insurance in Arizona. The average 16-year-old driver pays $8,495 per year for full coverage car insurance, while car insurance averages around $2,008 per year for 35-year-old drivers.

*Costs were taken from 2022 information.

As you can see from the table above, the older you get, the less you will have to pay for car insurance.

Cost of Car Insurance in Arizona by City

To account for differences in risk factors, insurers charge different rates for drivers in different parts of Arizona. Typically, drivers in urban areas pay higher rates for auto coverage than drivers in rural parts of the state. This table shows estimated rates for different Arizona cities, based on the profile of a 35-year-old driver with good credit and a clean driving record.

*Average rates above apply to the top three companies in each city.

As you can see from the table above, you’ll pay more for car insurance if you live in a big city like Phoenix.

Factors That Affect Car Insurance Costs

Your rates will vary from those in the tables above. This is because insurers weigh several personalized variables to calculate your premiums.

We’ve shown that a person’s age, location, driving record and credit history have huge impacts on car insurance rates. Here are some additional factors:

• Gender listed on driver’s license: At certain ages, male drivers pay more for car insurance than same-age female drivers.
• Deductible choice: Raising your deductible means getting a lower premium, but you’ll have to pay more out of pocket in the event of a crash.
• Marital status: Married drivers are seen as more financially secure by insurers, so they tend to get lower rates than single drivers.
• Vehicle details: Insurers take a close look at the make, model, year and mileage of your car. Expensive, high-end vehicles that cost more to repair or are more likely to be stolen will end up getting the highest insurance rates.

All drivers in the Grand Canyon State are required by Arizona law to at least carry basic liability coverage for car insurance. To drive legally, drivers must maintain the following state minimum coverage limits:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $15,000 per accident

Liability car insurance covers other drivers and their passengers in the case of accidents you cause. Your car and medical bills aren’t covered if you get into an accident or run into a stationary object, though. If you want more extensive protection, consider adding the following to your auto policy:

• Collision coverage
• Comprehensive coverage
• Underinsured or uninsured motorist coverage
• Medical payments coverage (MedPay)

Is It Illegal To Drive Without Car Insurance in Arizona?

Driving without the minimum required insurance is illegal in the state of Arizona. Those caught driving without car insurance in Arizona can be charged with a civil violation and have their vehicle registration and driver’s license suspended. 

To have your registration and license reinstated, you’ll need to pay fines and fees. You may also need to file future proof of insurance with the Arizona Motor Vehicle Department (MVD), usually an SR-22 certificate.

How To Get Car Insurance in Arizona

Geico is generally the cheapest car insurance provider in Arizona and offers many perks for drivers. USAA, Progressive, State Farm and Travelers also tend to offer affordable insurance rates in Arizona and give drivers multiple coverage options.

When purchasing car insurance, keep in mind that your rate will depend on your situation and how each company weighs different factors. To ensure you get the best deal possible, compare car insurance quotes from multiple providers.

In this article, we reviewed the cheapest car insurance companies, plans and rates in the state of Arizona. We also looked at the average cost of auto insurance and the coverage requirements in the Grand Canyon State.

Below are some common frequently asked questions about cheap car insurance in Arizona:

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.