Car Insurance in Arizona
- Auto-Owners and Travelers offer the cheapest liability and full coverage auto insurance in AZ
- Compare the cheapest car insurance quotes in AZ from Progressive, Allstate, GEICO and Nationwide (+ other top companies)
Car insurance quotes in Arizona
- Auto-Owners offered the cheapest liability insurance in Arizona at $44/mo
- Read about the rest of the top and best companies in Arizona ↓
- As a highly-rated regional carrier, CSAA (AAA) scored a 683 on J.D. Power's 2024 auto study.[3]Â For those eligible, USAA is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Arizona ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in State Farm to name State Farm as the best overall company for Arizona drivers.Â
- Read more about why we've ranked State Farm as a great fit for many Arizona drivers ↓
- Travelers offered the cheapest full insurance coverage in Arizona at $113/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Arizona ↓
Cheap liability insurance in Arizona
The average cost for liability insurance in Arizona is $409 for a 6-month policy.[1] For our user profile, Auto-Owners, USAA, and Travelers offer the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Arizona, a full coverage insurance policy with a $500 deductible costs $1,182, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $267 | $44 |
| Travelers | $277 | $46 |
| USAA | $282 | $47 |
| GEICO | $308 | $51 |
| Progressive | $366 | $61 |
| State Farm | $368 | $61 |
| Allstate | $516 | $86 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 42% of Arizona drivers carry only the state-required liability coverage. In Arizona, the law mandates minimum liability limits of 25/50/15, meaning $25,000 per person and $50,000 per accident for bodily injury, along with $15,000 for property damage per accident. Learn more about car insurance requirements in the state of Arizona with our helpful guide.
Arizona requires minimum liability coverage, but even with this, you might not be fully protected. If you're responsible for an accident and the damages exceed your coverage, you could be considered underinsured and potentially face legal action to cover the difference.
For those opting for the minimum coverage, I recommend adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) coverage. With a large amount of drivers in Arizona being uninsured, it's wise to secure as much insurance as your budget allows.
Ross Martin, Insurance writer with 5+ years experience
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Auto-Owners | $267 | $828 |
| Travelers | $277 | $676 |
| USAA | $282 | $926 |
| GEICO | $308 | $839 |
| Progressive | $366 | $950 |
| State Farm | $368 | $994 |
| Allstate | $516 | $1,688 |
| CSAA | $670 | $2,037 |
Source: The Zebra
What are the best car insurance companies in Arizona?
We’ve named State Farm as Arizona's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Here’s a rundown of the pros and cons of State Farm, along with details on other top-rated insurance companies in Arizona.
State Farm was our top pick for a variety of reasons, not least because of their stellar scores on the J.D. Power Customer Satisfaction survey.[3] Add to that their affordable rates and robust coverage options and you find a company that can adequately serve the needs of most Arizona drivers. Also, State Farm's strong financial standing means they can be expected to reliably pay out claims.[4]
-
Widespread access to agents
-
Affordable rates
-
Great customer satisfaction scores
-
Extensive network of repair shops
-
Mixed reviews on claims handling
-
Rideshare coverage may be difficult to obtain
Best car insurance in Arizona — honorable mentions
To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3000 drivers across Arizona and the US.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $828 | $138 |
| USAA | $926 | $154 |
| The Hartford | $1,328 | $221 |
| CSAA | $2,037 | $340 |
Source: The Zebra
How did we pick what company has the "Best Value" in Arizona?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Arizona
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap full coverage insurance in Arizona
In 2024, the average cost of full coverage insurance in Arizona is $1,182 for a six-month policy. Full coverage is a popular choice here, with 58% of The Zebra’s Arizona customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers and Auto-Owners — they’re known for offering some of the most competitive rates in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $676 | $113 |
| Auto-Owners | $828 | $138 |
| GEICO | $839 | $140 |
| USAA | $926 | $154 |
| Progressive | $950 | $158 |
| State Farm | $994 | $166 |
| Allstate | $1,688 | $281 |
| CSAA | $2,037 | $340 |
Source: The Zebra
Zebra tip: Save on full coverage insurance with these discounts:
- Payment options: Save by buying your policy in advance, using electronic billing, or paying in full.
- Driver discounts: Bundle policies, insure multiple cars, keep a clean driving record, and explore student, homeowner, or military discounts.
- Vehicle savings: Get discounts for insuring newer cars, adding safety or anti-theft features, and using telematics.
- Quick tip: Regularly review your policy and ask about Arizona-specific discounts to ensure you’re getting the best deal.
Compare car insurance rates from the best companies in Arizona.
Car insurance in popular Arizona cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Valle Vista, Arizona, and the most expensive in Phoenix, Arizona.
Have a look at the table below to see average car insurance costs in some of Arizona biggest cities.
Cheap auto insurance for young drivers in Arizona
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Arizona, teen drivers pay especially high rates: $5,998 per year — that's $1,202 more than the nationwide average and over twice as much as a typical Arizona driver.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,884 | $314 |
| GEICO | $2,383 | $397 |
| Auto-Owners | $2,521 | $420 |
| USAA | $3,493 | $582 |
| State Farm | $3,605 | $601 |
| Allstate | $4,205 | $701 |
| Progressive | $4,792 | $799 |
| CSAA | $5,325 | $887 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $4,793 | $799 |
| Travelers | $2,439 | $407 |
| USAA | $5,130 | $855 |
| CSAA | $6,829 | $1,138 |
| Allstate | $4,878 | $813 |
| Auto-Owners | $2,952 | $492 |
| GEICO | $2,775 | $462 |
| Progressive | $6,242 | $1,040 |
Source: The Zebra
Zebra tip: 3 smart ways young drivers can cut down on car insurance costs:
- Take a defensive driving course for discounts.
- Pick a safe, affordable car.
- Stay on your parent's policy to benefit from their insurance history.
Arizona auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Arizona. One at-fault accident can send your premiums soaring — by as much as $847 a year. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Arizona insurers after an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $887 | $148 |
| Auto-Owners | $1,165 | $194 |
| State Farm | $1,233 | $206 |
| USAA | $1,366 | $228 |
| GEICO | $1,505 | $251 |
| Progressive | $1,569 | $261 |
| Allstate | $2,253 | $375 |
| CSAA | $3,178 | $530 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
Ideally, you won't need to use your insurance, but if you do, a smooth claims process is essential. According to our 2024 Customer Satisfaction Survey, Arizona drivers who filed claims were most satisfied with Auto-Owners. It's a solid option to consider if you're in the Grand Canyon State.[4]
Arizona auto insurance rate by violation
In Arizona, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
In Arizona, a single traffic ticket can push your insurance rates through the roof. The exact increase varies based on the violation, your insurance company’s policies, and state-specific factors. Arizona’s unique regulations mean that penalties for tickets might hit your wallet harder—or lighter—than they would in other states.
Source: The Zebra
The Zebra's guide to Arizona car insurance laws for high-risk drivers
For high-risk drivers in Arizona with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Arizona's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Arizona DUI laws
In Arizona, a DUI offense can increase your annual car insurance premium by an average of $876. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Arizona
If you're convicted of a DUI or DWI violation in Arizona, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Arizona, Progressive, advertises annual rates 6% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Arizona is Travelers, while the priciest firm is GEICO, with prices 217% above average.
Updating data...
| Company | Avg. Annual Premium |
|---|---|
| Progressive | $1,706 |
| Travelers | $1,868 |
| State Farm | $2,208 |
| Farmers | $2,651 |
| Allstate | $3,578 |
| Nationwide | $3,615 |
| USAA | $3,632 |
| GEICO | $7,342 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Arizona SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Arizona to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Arizona might require some research, but it could pay off in the end.
Â
How to acquire an SR-22 in Arizona
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
Â
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
Â
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Arizona in minutes!
How have car insurance costs in Arizona changed?
The auto insurance market in Arizona has seen significant ups and downs over the past decade, with premiums fluctuating due to economic conditions, regulatory changes, and shifting risk assessments. In 2024, the average annual premium rose sharply to $1,876, a $232 increase from the previous year, likely driven by rising claim costs and inflation. This pattern of volatility, including past spikes and drops, highlights the importance for Arizona drivers to regularly compare insurance rates, as prices can vary widely depending on market conditions​​.
| Year | Avg. Annual Premium — Arizona | Yearly change — AZ |
|---|---|---|
| 2024 | $1,876 | $232 |
| 2023 | $1,644 | -$106 |
| 2022 | $1,750 | $268 |
| 2021 | $1,482 | $18 |
| 2020 | $1,464 | $0 |
| 2019 | $1,464 | $85 |
| 2018 | $1,379 | $417 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Save money on your next car insurance policy!
Arizona car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Arizona auto insurance.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. 2024 U.S. Auto Insurance Study
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN AZ
Other people are also asking...
What is an ADOT Code?
Parked car insurance so I can get tags for my vehicle
If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?
Do I have to pay a deductible if I caused an accident?
Learn more about car insurance in Arizona:
- Car Insurance in Phoenix, AZ
- Temporary Car Insurance in Arizona
- Car Insurance in Tucson, AZ
- Car Insurance in Glendale, AZ
- Tempe, AZ Car Insurance
- Arizona Car Insurance Laws
- Car Insurance for High-Risk Drivers in Arizona
- Car Insurance in Mesa, AZ
- Peoria, AZ Car Insurance
- Car Insurance in Scottsdale, AZ
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 editorial 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.