Cheap Arizona Car Insurance

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

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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 Average Average Superior 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Above 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 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $3,115 141% $1,820
Refused Breathalyzer/Chemical Test $2,979 130% $1,684
DUI $2,979 130% $1,684
Racing $3,103 140% $1,808
Reckless Driving $2,255 74% $960
Driving with a Suspended License $2,107 63% $812
At-Fault Accident $1,965 52% $670
Driving with an Open Container $2,006 55% $711
Operating a Vehicle Without Permission $1,696 31% $401
Passing a School Bus $1,858 43% $563
Improper Passing $1,769 37% $474
Following Too Closely $1,675 29% $381
Speeding $1,747 35% $452
Failure to Stop at a Red Light $1,675 29% $381
Illegal Turn $1,675 29% $380
Driving Wrong Way/Wrong Lane $1,666 29% $371
Failure to Yield $1,675 29% $381
Speeding in a School Zone $1,779 37% $484
Driving Too Slowly $1,780 37% $485
Distracted Driving $1,667 29% $372
Driving with Expired Registration $1,355 5% $60
Failure to Show Documents $1,355 5% $60
Not-at-Fault Accident $1,348 4% $53
Failure to Use Child Safety Restraint $1,312 1% $17
Failure to Wear a Seat Belt $1,387 7% $92
Driving Without Lights $1,312 1% $17

 

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.

Rank City Avg. Annual Premium
1 Phoenix $1,810
2 Glendale $1,724
3 Tempe $1,591
4 Scottsdale $1,590
5 Mesa $1,582
6 Peoria $1,579
7 Gilbert $1,549
8 Chandler $1,540
9 Surprise $1,536
10 Tucson $1,521

 

Recent Questions:

Need an SR22 for a state I don't reside in

You can get insurance with an SR-22 for a different state since that is required to get your license reinstated. We can quote you with several different companies that will be able to help you at The Zebra.
Dec 5, 2018 Phoenix, AZ

I was billed for forced car insurance even though I already had it

While it can vary by the individual policy procedures of your lender, they should be able to backdate those charges if you're able to show proof of insurance for the duration of the loan. You can request a policy declaration or binder from your insurance company which will show the date of policy inception.
Jun 7, 2018 Glendale, AZ

Do I have to carry umbrella insurance?

Umbrella insurance is intended to provide liability coverage in addition to that of your home and car insurance policies. There is no legal requirement to carry an umbrella insurance policy but many people do to better protect their assets if they were ever to be sued.
Nov 28, 2016 Scottsdale, AZ

Is it discrimination not to allow someone to get car insurance w/out an address?

It's not discrimination, it's how car insurance is priced. You have to have a physical address to of where the car is kept the majority of the time since the location is a big rating factor.
Jan 30, 2019 Peoria, AZ

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.