Cheap Arizona Car Insurance

Find affordable insurance that works for you in Arizona. Compare quotes from over 100 top companies.

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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.


Affordable Insurance Premiums in Arizona

What's the cheapest car insurance in Arizona?
RankCompany NameAvg. Annual Premium
1The Hartford$536
5State Farm$1,443
6American Family$1,545

Compare quotes from over 50 insurance companies that provide coverage throughout Arizona. Enter your ZIP code below to get started.

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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, from Tucson to Kayenta. 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

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%
Speeding Violation$1,58725.62%
Bad Credit$2,44451.69%

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 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
American Family4Excellent
Cal CasualtyNot RatedExcellent
CSAA3Not Rated
Liberty Mutual3Excellent


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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
National Average$657.66$1,241.26$1,397.94

Arizona Auto Insurance Laws

What are the state minimum insurance requirements in Arizona?

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

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

Ticket Impact on 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
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
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

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Arizona Car Insurance FAQs

What is the average cost of car insurance in Arizona?

The average cost of car insurance in Arizona is $102 per month — or $615 for a six-month policy.

Why is Arizona car insurance so expensive?

Our data show Arizona is actually 13% cheaper than the national average for car insurance. If you feel you're paying too much for insurance, use our free insurance comparison tool to see competitive rates from GEICO, Progressive, State Farm, and Esurance.

Who offers the cheapest car insurance?

Safeco, USAA, and GEICO have the cheapest rates in Arizona, according to our data. However, the best way to find the cheapest rates is to compare. Your rate will vary by each insruance company. Find the cheapest rates for you here.


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
12San Tan Valley$1,528
14Catalina Foothills$1,503
16Casas Adobes$1,481
18Oro Valley$1,420
19Casa Grande$1,418
22Bullhead City$1,205
23Sierra Vista$1,195
24Lake Havasu City$1,163

Recent Arizona Car Insurance Questions and Answers

Getting car insurance after buying a car on Craigs List

This can depend. Buying a car on Craig's List wouldn't impact your ability to get insurance unless the vehicle has been totaled and salvaged.

Can I get insurance for a vehicle I am fixing up?

Most companies do not have storage insurance but you can get the minimum liability coverage. If you are not driving the car, you can turn in the license plates and the registration.

Do I need to maintain a car insurance policy if I don't have a car?

That is true. Most companies look at your insurance score which includes how long you have been insured without a lapse.

Do I still report an at-fault accident if I wasn't charged?

Absolutely! Plus, most companies require you report any accident even if a claim isn't filed. Furthermore, since you caused harm to someone else, you are legally responsible for the medical bills.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and