Cheap Arizona Car Insurance

Compare the best rates from 22 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

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

Cheap 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%.

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

Cheap Insurance for Young Drivers in Arizona

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 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 Arizona drivers.

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 Bad 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 larger 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, which can lead to savings of 25% on average in Arizona.

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 Car Insurance Companies 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 A.M. 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 (A.M. Best)
21st Century3Excellent
Allied3Superior
Allstate3Superior
American Family4Excellent
Amica4Superior
Auto-Owners5Superior
Cal CasualtyNot RatedExcellent
CSAA3Not Rated
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
USAA5Superior

What is the Best Auto Insurance Coverage in Arizona?

The minimum required insurance in Arizona is $15,000 Bodily Injury per person, $30,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

For the minimum required 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. However, 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-only coverage.

Compare average premiums for basic, good, and great 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

Car Insurance Laws

State minimum insurance requirements in Arizona

In Arizona, the state minimum coverage requirement is liability 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 (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Arizona and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Arizona, the minimum is listed as 15/30/10 and explained below:

  • $15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Arizona but higher coverage amounts are available with most companies.

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 Lake Havasu City, Arizona, and the most expensive in Phoenix, Arizona.

RankCityAvg. Annual Premium
1Phoenix$1,243
2Glendale$1,202
3Avondale$1,198
4San Tan Valley$1,173
5Scottsdale$1,140
6Mesa$1,136
7Buckeye$1,133
8Gilbert$1,131
9Tempe$1,129
10Peoria$1,115
11Goodyear$1,109
12Chandler$1,104
13Maricopa$1,096
14Tucson$1,083
15Surprise$1,069
16Casa Grande$1,068
17Casas Adobes$1,061
18Catalina Foothills$1,061
19Oro Valley$1,041
20Yuma$973
21Flagstaff$950
22Prescott$933
23Bullhead City$887
24Sierra Vista$881
25Lake Havasu City$861

Recent Arizona Car Insurance Questions and Answers

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Driving Laws

Arizona Texting and Driving Laws

  • Ban on all cell phones for school bus drivers

 

Arizona DUI Laws

Arizona maintains a zero-tolerance policy for DUI, so penalties are severe in an attempt to discourage drivers from driving under the influence.

For first-time DUI offenders in Arizona:

  • Will be jailed for 24 hours to 10 days
  • Must pay at least $1,250 in fines, plus jail costs and a monitoring fee
  • Must undergo screening and counseling
  • Will receive a 90-day license suspension or one-year revocation
  • Must install and use an IID on every vehicle driven for a period of 12 months
  • May have to perform community service

 

Speeding Laws in Arizona

Arizona requires drivers to maintain “reasonable and prudent” speeds for the conditions in which they’re driving. This stipulation applies to both minimum and maximum speed limits.

In addition, you are speeding in Arizona if your speeds exceed:

  • 15 miles per hour when approaching a school crossing
  • 25 miles per hour in a business or residential district
  • 65 miles per hour in other locations
  • Any posted speed limit

 

What Constitutes Reckless Driving in Arizona?

Reckless driving in Arizona is not strictly defined. Drivers may be considered to be driving recklessly if they are driving with little concern for the safety of others.

Aggressive driving in Arizona is a more severe offense. Aggressive driving occurs when a driver commits two or more of the following violations:

  • Failure to obey traffic control devices
  • Overtaking or passing another vehicle on the right by leaving the main traveled portion of the road or driving off the pavement
  • Unsafe lane changing
  • Following a vehicle too closely
  • Failing to yield the right-of-way

 

Distracted Driving in Arizona

There is no statewide distracted driving law in Arizona. Instead, legislation has been left to individual municipalities — at least for the time being. When traveling through Arizona, pay attention to the distracted driving laws of the areas through which you will be driving.

In contrast, however, Arizona does not permit teenage drivers to use a wireless device, except in an emergency. Drivers with a class G graduated license may not use wireless devices while driving for a period of six months of receiving their license, except for GPS or emergency use.

 

Racing in Arizona

Racing in Arizona is defined as the use of one or more vehicles in an attempt to outgain or outdistance another vehicle or prevent another vehicle from passing.

 

When Are You At-Fault in an Accident in Arizona?

Arizona is a fault-based state, so the responsibility for an accident may be assigned to a specific driver.

You may be responsible for an at-fault accident in Arizona if you:

  • Failed to exercise a duty of reasonable care
  • Failed to exercise reasonable care
  • Injured someone else or damaged another’s property
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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 destrination 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, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more