Cheap Arizona Car Insurance

Compare the best rates from 25 car insurance companies in Arizona.

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Here's what you need to know when driving in Arizona

Across the Grand Canyon State, there are 131,356 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


 

Cheap car insurance in Arizona

What's the cheapest car insurance in Arizona?
RankCompany NameAvg. Annual Premium
1The Hartford$536
2Safeco$561
3Auto-Owners$906
4Travelers$1,097
5USAA$1,102
6Progressive$1,141
7GEICO$1,154
8Ameriprise Group$1,196
9CSAA$1,201
10Allied$1,221
11Farm Bureau Mutual$1,272
12Safe Auto$1,310
13Unitrin$1,330
14State Farm$1,350
15Farmers$1,364
16Titan$1,447
17American Family$1,449
18Amica$1,458
19MetLife$1,536
20Cal Casualty$1,537
21Safeway$1,586
2221st Century$1,631
23Mercury$1,637
24Country$1,837
25Nationwide$2,008
26Encompass$2,084
27Allstate$2,170
28Liberty Mutual$2,213
29Dairyland$2,687

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Cheap car insurance for good drivers in Arizona

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Arizona drivers without a recent at-fault accident save 37% on their car insurance, on average — substantially higher than the national average of 32%. In addition to earning a more affordable premium for staying incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%. One way to ensure you're getting the discounts you deserve is to periodically request insurance quotes from a variety of companies. 

Rating Factor$ Savings% Savings
No Traffic Tickets$40725.62%
No Accidents$69537.06%
Good Credit$1,26351.69%

Cheap auto insurance in Arizona: for inexperienced drivers

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Arizona, the typical teen driver pays $5,011 per year, which aligns closely with the national average for all teen drivers but is about four times the rate typical for all drivers in the state of Arizona.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,414$6,279
17$5,154$5,672
18$5,373$4,938
19$4,345$2,919

Cheap car insurance for high-risk drivers in Arizona

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Arizona, where insurance penalties for bad driving are more substantial than in other states. In fact, a single speeding ticket could raise your car insurance rates by 25% in the Grand Canyon State. If you have a good driving record, inquire about a good-driver discount when you fetch insurance quotes: it could lead to savings of up to 25%!

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,87637.06%
DUI$2,06342.77%
Speeding Violation$1,58725.62%
Bad Credit$2,44451.69%

 

What are the best companies for car insurance in Arizona?

Every auto insurance company emphasizes its low prices. But just like with any service, the most affordable car insurance isn't always the best selection. Considering the financial stakes, it's worthwhile to do the homework to zero in on an auto policy that protects your vehicle adequately after an incident. Exercise some patience and look for a great value, rather than settling for the most affordable car insurance available.

Compare local and national insurers' financial strength and claims satisfaction levels to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Superior" to "Poor" — evaluates an insurance company's financial stability and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
21st Century3Excellent
Allied3Superior
Allstate3Superior
American Family4Excellent
Amica4Superior
Auto-Owners5Superior
Cal CasualtyNot RatedExcellent
CSAA3Not Rated
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
USAA5Superior

 

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What car insurance coverage is necessary in Arizona?

The minimum required insurance in Arizona is $15,000 bodily injury coverage per person, $30,000 bodily injury per accident, and $10,000 property damage per accident.

For the minimum required liability coverage in Arizona, be prepared to pay an average of $638 annually. This is cheaper than the U.S. average by 3%. If you elect more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, insuring against the costs of vehicular crashes, theft and vandalism, or weather incidents. But better auto insurance comes at a cost: in Arizona, a comprehensive insurance policy with a $1,000 deductible costs $1,102, 73% more than liability-only coverage. For comprehensive coverage with a $500 deductible, expect to pay 93% more than you would for basic liability insurance.

Compare average premiums for basic, good, and great insurance coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Arizona$637.58$1,101.51$1,229.61
National Average$657.66$1,241.26$1,397.94

Arizona auto insurance laws and requirements

What are the state minimum insurance requirements in Arizona?

In Arizona, the state minimum coverage requirement is liability coverage with limits of:

  • Bodily injury: $15,000 per person
  • Bodily injury: $30,000 per accident
  • Property damage: $10,000 per accident

Optional coverage in Arizona (varying by carrier) includes:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

Additional info on insurance requirements in the state of Arizona:

Arizona car insurance FAQs

Do you need to have car insurance in Arizona?

Yes. If your vehicle is going to be parked or driven on public roads, it has to be insured at Arizona's minimum liability limits.

Can you register a car without insurance in Arizona?

No. In order to register your vehicle with Arizona's DMV, you need to show proof of insurance.

What is the fine for driving without insurance in Arizona?

A driver's first driving without insurance offense incurs a $500 fine and potential license suspension. You will also be required to apply for an SR-22 and show proof of insurance.

 

How much does car insurance cost in Arizona cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Yuma, Arizona, and the most expensive in Phoenix, Arizona.

RankCityAvg. Annual Premium
1Phoenix$1,602
2Glendale$1,536
3Avondale$1,502
4Peoria$1,409
5Mesa$1,408
6Tempe$1,401
7Scottsdale$1,397
8San Tan Valley$1,394
9Gilbert$1,385
10Buckeye$1,378
11Surprise$1,365
12Tucson$1,362
13Chandler$1,361
14Catalina Foothills$1,340
15Goodyear$1,324
16Casas Adobes$1,309
17Maricopa$1,304
18Casa Grande$1,280
19Oro Valley$1,261
20Flagstaff$1,163
21Prescott$1,123
22Sierra Vista$1,050
23Bullhead City$1,042
24Lake Havasu City$1,026
25Yuma$973

Recent Arizona Car Insurance Questions and Answers

Do you offer insurance for conversion vehicles?

It will be difficult to find insurance for your modified vehicle. Unfortunately, The Zebra does not offer any insurance carriers that will cover your converted van.

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.

If I buy a car right before I move states, do I have to get an insurance policy in the state I bought it?

If you will be registering and living in South Dakota, then you will want to get an insurance policy for the address where you'll be living in that state. Insurance needs to be in the state that the vehicle is registered in.

Can I file an additional loss of use claim even after the at fault party's insurance has paid for the repairs of the vehicle?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had. For future reference, I recommend using the initial claims payout for what it was meant for — your car's repairs, first and foremost.


Do tickets raise auto insurance rates in Arizona?

If you get a ticket, your auto insurance premiums will probably rise. How much your rates rise depends on the severity of the violation, your car insurance company's pricing standards, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Arizona after a few common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,115141%$1,820
Refused Breathalyzer/Chemical Test$2,979130%$1,684
DUI$2,979130%$1,684
Racing$3,103140%$1,808
Reckless Driving$2,25574%$960
Driving with a Suspended License$2,10763%$812
At-Fault Accident$1,96552%$670
Driving with an Open Container$2,00655%$711
Operating a Vehicle Without Permission$1,69631%$401
Passing a School Bus$1,85843%$563
Improper Passing$1,76937%$474
Following Too Closely$1,67529%$381
Speeding$1,74735%$452
Failure to Stop at a Red Light$1,67529%$381
Illegal Turn$1,67529%$380
Driving Wrong Way/Wrong Lane$1,66629%$371
Failure to Yield$1,67529%$381
Speeding in a School Zone$1,77937%$484
Driving Too Slowly$1,78037%$485
Distracted Driving$1,66729%$372
Driving with Expired Registration$1,3555%$60
Failure to Show Documents$1,3555%$60
Not-at-Fault Accident$1,3484%$53
Failure to Use Child Safety Restraint$1,3121%$17
Failure to Wear a Seat Belt$1,3877%$92
Driving Without Lights$1,3121%$17

Arizona Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Arizona area, while also getting an insider view of the Grand Canyon State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.