Cheap Arizona Car Insurance

Compare the best rates from 19 car insurance companies in Arizona.

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

It's cheap to get car insurance in Arizona!

Whoa! Arizona is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Arizona might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Arizona?
Rank Company Premium
1 The Hartford $536
2 Safeco $561
3 Auto-Owners $906
4 Travelers $1,097
5 USAA $1,102
6 Progressive $1,141
7 GEICO $1,154
8 Ameriprise Group $1,196
9 CSAA $1,201
10 Allied $1,221
11 Farm Bureau Mutual $1,272
12 Safe Auto $1,310
13 Unitrin $1,330
14 State Farm $1,350
15 Farmers $1,364
16 Titan $1,447
17 American Family $1,449
18 Amica $1,458
19 MetLife $1,536
20 Cal Casualty $1,537
21 Safeway $1,586
22 21st Century $1,631
23 Mercury $1,637
24 Country $1,837
25 Nationwide $2,008
26 Encompass $2,084
27 Allstate $2,170
28 Liberty Mutual $2,213

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 $407 25.62%
No Accidents $695 37.06%
Good Credit $1,263 51.69%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,876 37.06%
DUI $2,063 42.77%
Speeding Violation $1,587 25.62%
Bad Credit $2,444 51.69%
Car Insurance Laws

State minimum insurance requirements in Arizona

In Arizona, the state minimum coverage requirement is liability with limits of:
Optional coverage in Arizona (varies by carrier):

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.

Top Arizona Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Arizona.

Car Insurance FAQs

Are digital insurance cards accepted in Arizona?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Arizona you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Arizona?

Uninsured Drivers in Arizona
Arizona

11%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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.

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

Recent Arizona Car Insurance Questions and Answers

Totaled my car after hitting a dog

May 13, 2018

I was driving a few months back and hit a golden retriever dog. Sadly the dog died but the damage ...

How can I find the exact date of my speeding ticket?

Mar 24, 2018

I had a speeding ticket, doing 58mph in a 45mph zone, in Chandler, AZ, in 2016, but not sure of ...

What is an ADOT Code?

Mar 17, 2018

AZ won’t let me verify insurance online without it. I don’t know it. Is it a state form of NAIC? ...

Getting insurance for my RV with a foreign license

Mar 11, 2018

I’m French and touring the Americas with my French RV van. I entered the US but cannot find an insurer ...

Driving Laws

Arizona Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
Alcohol Related Fatalities

227

Per Year in Arizona
Annual DUI Arrests
Arizona
39,746
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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, Arizona 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.

Please Note:

  • 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.