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 introduce you to the most affordable insurance companies in your state, then you take the wheel.
Affordable insurance companies in Arizona
What's the cheapest car insurance in Arizona?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | The Hartford | $536 |
| 2 | Safeco | $561 |
| 3 | USAA | $1,309 |
| 4 | GEICO | $1,387 |
| 5 | State Farm | $1,443 |
| 6 | American Family | $1,545 |
| 7 | Nationwide | $1,564 |
| 8 | Progressive | $1,574 |
| 9 | Farmers | $2,477 |
| 10 | Allstate | $2,731 |
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 auto 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 | $407 | 25.62% |
| No Accidents | $695 | 37.06% |
| Good Credit | $1,263 | 51.69% |
Cheap auto 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 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.
| 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 auto 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 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 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% |
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Top rated 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.
To better understand the level of service you'll receive, use the table below. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company | Claims Satisfaction (J.D. Power) | Customer Satisfaction (J.D. Power) | Financial Strength (A.M. Best) | Customer Satisfaction (The Zebra) |
| Allstate | Above average | Average | Superior | 4.3 / 5 |
| GEICO | Average | Average | Superior | 4.4 / 5 |
| Liberty Mutual | Below average | Above average | Good | 4.2 / 5 |
| Nationwide | Above average | Poor | Superior | 4.3 / 5 |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| Safeco | Average | Average | Excellent | N/A |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| The Hartford | Excellent | Above Average | Average | N/A |
| Travelers | Below average | Below average | Superior | 4.3 / 5 |
| USAA | Excellent | Excellent | Superior | 4.6 / 5 |
Arizona auto insurance laws
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
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.
Additional info on insurance requirements in the state of Arizona.
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How tickets change 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.
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 shows that 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 insurance 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 Tucson, Arizona, and the most expensive in Phoenix, Arizona.
