Cheap Car Insurance in Arizona: A Smart Driver's Guide

Finding cheap car insurance in Arizona can be made easier with the right partner. Learn more about auto insurance rates in AZ through this guide by Insurist.
Get a Free Quote
cheap car insurance arizona

Written by Brian Greenberg

Last updated: July 19th, 2022

Reviewed by Grant Desselle

Finding cheap car insurance in Arizona can be a challenge. However, by knowing where to look and what factors to consider, you can find the best deal for your needs. In this guide, we will explore some of the best options for cheap car insurance in Arizona, as well as highlight some of the things you need to keep in mind when comparing rates. So, whether you are a new or experienced driver, read on for helpful tips on how to save money on your car insurance policy.

Factors That Affect Auto Insurance Rates in Arizona

One of the first things many drivers will do when looking for cheap insurance is to compare auto insurance quotes. Whether you are new to Arizona or have lived here your entire life, it’s smart to look at rates from different companies. Costs and safety requirements will vary based on different factors such as:

Driving Record

Have you received any speeding tickets? Are there any accident claims on your record? You should be aware of any documented incidents that could raise your insurance rates.

Home Address

Where you live impacts finding cheap car insurance in Arizona. For example, if you live in a city that has a high cost of living, car insurance rates will most likely be higher.

Vehicle

The type of insurance you choose will depend on your vehicle’s make and model. The more high-end your car is, the higher the rates will be. If you drive a low-end, older car and have good credit, insurance rates will be lower.

Policy Limits

If your policy includes high medical and property damage limits, your auto insurance rates will be greater because you have more financial liability.

Driver Education

Some companies offer discounts for those with good driving education records. If you are a student driver or have completed an approved course, you may qualify for a cheap car insurance policy.

Credit Score

Insurance companies use a credit-based insurance score to determine if you are a safe driver and if you are at a higher risk of filing an insurance claim. The better your credit score, the lower your rates will be.

If you are a young driver looking for cheap car insurance, your lack of road experience makes you more likely to be involved in an accident or to receive a speeding ticket. This makes it a bit more challenging to land cheap insurance. On a similar note, if you have a bad driving record, you can still find affordable car insurance in Arizona, but it will be slightly higher than the regular average rates.

Low-Cost Car Insurance for Minimum Coverage in Arizona

In Arizona, the minimum coverage required for all drivers includes $15,000 for property damage liability, $25,000 for bodily injury liability per person, and $50,000 for bodily injury liability per accident.

Do bear in mind, though, that while this may be the cheapest car insurance possible, you will not be financially protected against a loss in the same way as having full coverage. Comprehensive insurance, for one, may cover collision damage whether or not the accident was your fault.

Average Car Insurance Premiums in Different Arizona Cities

How much is car insurance in AZ? The city you live in impacts how cheap car insurance rates go so it’s smart to compare quotes for each policy. The national average for car insurance in the U.S. is $1,424 per year. To give you an idea of what to expect in Arizona, here are the average costs of car insurance in various Arizona cities from top insurance providers:

CityProgressive (per month)Liberty Mutual (per month)Travelers (per month)Safeco (per month)
Chandler, AZ$121$174$170$150
Glendale, AZ$155$197$202$160
Mesa, AZ$154$174$178$158
Phoenix, AZ$151$177$193$151
Scottsdale, AZ$144$177$196$152
Tempe, AZ$135$174$176$158
Tucson, AZ$128$170$167$145

*These rate comparisons are based on insurance for a Ford F-150 in the most populated zipcode of each city for a 35-year-old employed male.

Get the Cheapest Car Insurance in Arizona: 4 Reminders

The search for the cheapest auto insurance can be overwhelming. Here are four tips to keep in mind before getting started:

  • Make sure you compare auto insurance quotes from different providers first before signing any agreement.
  • If you have bad credit or a history of traffic violations, cheap auto insurance in Arizona may be difficult to find.
  • The city you live in will impact auto insurance rates.
  • Your vehicle and policy limits will impact auto insurance quotes.

Looking For Cheap Car Insurance In AZ? We Can Help

Finding cheap car insurance in Arizona can be challenging without the best resources. Insurist makes it easy. We help you compare rates so you can find the best coverage options. Get a free quote today!

Get Free Quote