The Cheapest Auto Insurance Companies in Arizona in 2024

If you’re looking for cheap car insurance in Arizona, you can find it with Auto-Owners. The insurance company offers the most affordable rates for many drivers — its average monthly premium is $62 per month, according to Compare.com data.

The good news is that several other insurers offer affordable insurance in Arizona. We’ll break down the cheapest car insurance companies for Arizona drivers and give you some strategies to lower your premium.

Key Takeaways:

• The average auto insurance policy in Arizona costs around $166 per month.
• Arizona drivers pay an average monthly rate of $103 for liability insurance and $230 for full coverage.
• All Arizona drivers must have liability insurance with 25/50/15 minimum limits and uninsured and underinsured motorist coverage.

In This Article:

• Average Price for Car Insurance in AZ
• Cheapest AZ Car Insurance Companies
• Best Arizona Insurers of 2024
• Average Arizona Rates by Age and Driving Record
• Arizona Auto Insurance Requirements
• How to Get Cheap Car Insurance in AZ
• Frequently Asked Questions

How Much Is Car Insurance in Arizona?

Arizona’s average cost for car insurance is $166 per month, according to Compare.com data. The table below shows liability and full-coverage rates in Arizona and how they compare to the national average

We found that drivers in Arizona pay $103 per month for liability insurance and $230 for full-coverage insurance. These averages can be helpful in gauging costs, but ultimately, your price will vary based on many rating factors, like your ZIP code and coverage levels.

Arizona’s Cheapest Car Insurance Companies

The average cost of car insurance in Arizona is $166 per month, but you can still get lower rates if you know where to look. You can start by getting multiple car insurance quotes, asking about discounts, and getting the coverage that fits your budget.

Let’s take a look at which companies offer the cheapest car insurance in Arizona, according to Compare.com data.

Auto-Owners offers Arizona drivers the cheapest auto coverage, with an average monthly premium of $62. But Auto-Owners may not be the cheapest company for everyone. That’s why you should get quotes from multiple insurers (a comparison website can help make the process easier) to find the most affordable rates.

Compare.com’s Best Arizona Insurance Companies of 2024

We researched the best companies in Arizona and chose the following three based on average rates, available coverage, discounts, customer reviews, and overall ratings. These options are worth considering, but keep in mind there’s no single best company that will fit everyone’s needs.

Best for discounts: GEICO

• Average premium: $79 per month
• Compare.com Rating: 4.65 out of 5

Pros:

• Above-average number of discounts
• Among the lowest rates in Arizona
• Emergency roadside assistance available

Cons:

• Gap insurance not available
• Below-average customer ratings
• Low customer satisfaction ratings on Trustpilot

Arizona’s population is growing — and high populations can affect car insurance rates. The good news is that GEICO has plenty of discounts you can take advantage of to save on your auto insurance. The company offers incredibly low rates and more discounts than most auto insurance companies. You can find discounts for good drivers, bundling insurance products, military members, and more.

Best for teens: State Farm

• Average premium: $77 per month
• Compare.com Rating: 4.90 out of 5

Pros:

• Teen-specific discounts available
• Save up to 30% with Drive Safe & Save
• Emergency road coverage available

Cons:

• Must work with State Farm insurance agent
• Financial strength rating downgraded by AM Best
• C- Better Business Bureau (BBB) rating

State Farm’s overall rates are among the cheapest for teen drivers in Arizona. To help you lower your rates even more, the auto insurer offers three discounts if you have teen drivers. Good students could save up to 25%, plus the insurer offers a driver’s training discount on top of a student away discount. Arizona teens can remain on their parents’ policy to get more affordable rates.

Best for gap insurance: Auto-Owners

• Average premium: $62 per month
• Compare.com Rating: 4.43 out of 5

Pros:

• Extremely low rates
• Plenty of coverage options
• Various discounts available

Cons:

• Must work with an agent
• Low customer ratings on BBB
• Slow customer response

Auto-Owners offers some of the cheapest rates in Arizona. On top of affordable rates, the insurer offers loan or lease gap coverage (not every insurer offers this). If you have an auto loan, you could be at financial risk if something happens to your car and you owe more than the value of your vehicle. Auto-Owners will pay the difference between your car’s value and the amount you owe after an accident if you have gap insurance as part of your policy.

Cheapest State-Minimum Car Insurance in Arizona

The type of car insurance you buy will affect your overall costs. Liability coverage that meets your state’s requirements is the cheapest insurance policy you can get. This bare-bones policy only covers your liability, which means it pays for the injuries and damages you cause to others in an accident.

The table below features five companies that offer the lowest rates for liability coverage in Arizona, according to Compare.com data.

Auto-Owners has the cheapest liability-only insurance in Arizona at $49 per month, according to our research. But it’s a good idea to get higher limits than what your state requires for the most protection.

Besides that, lenders typically require you to get full coverage if you lease or finance your car. Even if you don’t finance your car, full coverage can be a smart investment.

Let’s take a closer look at how this additional coverage affects rates in Arizona.

Cheapest Full-Coverage Car Insurance in Arizona

Full-coverage car insurance is more expensive but provides more protection. Typically, full-coverage car insurance includes liability insurance, collision coverage, and comprehensive coverage. It covers your vehicle repairs or replacement, and it pays for damages from something other than a collision.

Here are five companies offering the cheapest average monthly premiums in Arizona for full coverage.

Auto-Owners has the cheapest full-coverage insurance policies in Arizona, with an average cost of $75 per month. But remember, insurance companies look at many factors when setting rates, so another insurer might offer you cheaper coverage.

Let’s take a closer look at how rates change based on your age and driving record.

Compare Arizona Auto Insurance Rates by Age

Age is one of the most important factors insurers look at when determining your rates — the younger you are, the less experience you have behind the wheel. Since teen drivers don’t have much driving history to draw from, young drivers have the highest rates among all age groups. But as you age, rates tend to decrease but may increase again slightly once you reach age 70.

The table below shows how Arizona’s monthly premiums vary by age group and the cheapest insurers for each group.

Cheapest car insurance for Arizona teens: Auto-Owners

Teen drivers pay higher rates because companies take on a lot of risk to insure inexperienced drivers. Young drivers are more likely to speed, not wear a seat belt, drive distracted, and drive under the influence (DUI). Teens who participate in riskier behaviors increase their likelihood of getting into an accident, according to the Centers for Disease Control and Prevention (CDC).

Auto-Owners is the least expensive option for Arizona teens, with an average monthly cost of $109, according to Compare.com data.

Cheapest car insurance for Arizona seniors: Auto-Owners

Getting closer to retirement doesn’t just mean having more time on your hands — it can also mean lower car insurance rates. Seniors tend to be safer drivers and have a lower chance of an accident. Because of that, senior drivers get some of the cheapest car insurance rates of any age group.

Auto-Owners is the cheapest option for Arizona drivers in their 60s and 70s. Seniors who choose Auto-Owners pay an average of $45 per month, according to our data.

Compare Arizona Auto Insurance Rates by Driving Record

Your driving record is one of the top rating factors insurance companies look at. A clean driving record indicates safe driving behaviors and gets you some of the best rates. But if you get a ticket or an accident on your record, premiums go up because your risk level increases.

The table below breaks down average rates by driving record and the cheapest company in Arizona by incident.

Cheapest car insurance in Arizona after a ticket: Auto-Owners

Just one speeding ticket on your driving record will cause your rates to go up because of increased safety risks. After a ticket, premiums increase nationally by 27%, according to Compare.com data.

Auto-Owners is the least expensive option for Arizona drivers after a ticket, with an average rate of $82 per month.

Cheapest car insurance in Arizona after an accident: Auto-Owners

At best, an at-fault accident can be a fender bender. At worst, it can lead to serious property damage, injury, or death. So if you have an at-fault accident on your record, insurance companies will increase your premiums to match the higher level of risk.

In fact, we found that car insurance rates increase nationally by 34% after one at-fault accident.

Auto-Owners is the most affordable choice for Arizona drivers with a recent accident, according to Compare.com data — it charges an average rate of $85 per month.

Cheapest car insurance in Arizona after a DUI: Auto-Owners

Driving under the influence (DUI) can have the greatest effect on auto insurance rates. A DUI is a serious offense that endangers everyone and increases the likelihood of fatalities. After a DUI conviction, rates increase nationally by 50%, according to Compare.com data.

Auto-Owners offers the lowest rates for Arizona drivers with a DUI — its average monthly rate is $100.

Arizona Auto Insurance Requirements

Arizona has minimum auto insurance requirements drivers must purchase, including:

• $25,000 in bodily injury liability coverage per person
• $50,000 in bodily injury liability coverage per accident
• $15,000 in property damage liability coverage per accident

You must also have these same limits for uninsured and underinsured motorist coverages. But if you have more assets and want to minimize your personal financial responsibility, most insurance experts recommend purchasing higher liability limits.

Penalties for driving without auto insurance in Arizona

Penalties can be steep if the authorities catch you driving without auto insurance in Arizona. The Motor Vehicle Division (MVD) will suspend your license and vehicle registration. If the MVD finds you guilty, you’ll face fines of:

• First offense: $968.30
• Second offense: $1,425.80
• Third offense: $1,883.30

To reinstate your driving privileges and vehicle registration, you must pay your fines. You’ll also most likely need your insurance company to file an SR-22 form with the state, which shows that you meet the state’s minimum insurance requirements.

SR-22 auto insurance in Arizona

SR-22 auto insurance isn’t an actual insurance policy — it’s a proof of insurance form that many states require for high-risk drivers that shows you have the required auto insurance to legally drive in the state. Failure to maintain at least the minimum Arizona car insurance coverage and receiving a major violation, like a DUI, are the most common reasons to need an SR-22 form.

The SR-22 requirement usually lasts three years in Arizona but can be longer or shorter on a case-by-case basis for judgment suspensions.

If you need Arizona SR-22 insurance, it’s important to shop for the best insurance company for high-risk drivers because not every insurance company will file an SR-22 for you. As you’re shopping around, ask the insurers if they charge a fee to file the SR-22 form. Lauren McKenzie, senior licensed insurance agent for A Plus Insurance, says most insurance companies can add the SR-22 for $25 or less per policy term.

How to Get Cheaper Car Insurance in Arizona

Even if you think you’re getting a low price on Arizona car insurance, you may have more ways to save on your policy. Besides having a clean driving record, these five tips may help you get cheap auto insurance in Arizona:

• Maintain continuous coverage. “When shopping for other insurance providers, having continuous insurance can provide a discount, saving you money on future policies,” says McKenzie.
• Consider your coverage choices. “Drivers can lower their insurance premiums by choosing higher deductibles and opting out of additional coverages they don’t need,” advises McKenzie.
• Choose your vehicle carefully. Just as personal factors affect your rates, so does the car you drive. Choosing the right cheap car could help you save on car insurance.
• Ask about discounts. Insurance companies often have multiple discounts you can take advantage of, like military, occupation, paperless, auto pay, and bundling multiple policies.
• Compare car insurance quotes. Shopping regularly, like when your policy renews, and comparing quotes with at least three different companies can help you get the lowest rates.

Arizona Auto Insurance FAQs

Here are some answers to the most commonly asked questions about auto insurance in Arizona.

What’s the cheapest auto insurance company in Arizona?

Auto-Owners offers the cheapest auto insurance in Arizona, with an average cost of $62 per month, according to Compare.com data. Keep in mind that insurance premiums vary based on your driving record, age, and other factors.

How much is car insurance per month in Arizona?

Car insurance in Arizona has an average cost of $166 per month, according to Compare.com data. But your premiums might be more or less expensive, depending on things like your coverage, where you live, and your driving record.

What’s the minimum car insurance in Arizona?

Arizona drivers must have liability insurance with the following limits: $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability. But those are only state-required minimums. Car insurance experts recommended purchasing higher coverage limits for the greatest protection.

Which company has the cheapest full-coverage car insurance in Arizona?

Auto-Owners has the cheapest full-coverage car insurance in Arizona, with an average cost of $75 per month, according to Compare.com data. But it’s possible to find even better rates with other insurance companies based on your specific budget and needs.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources:

1. The Insurance Information Institute, “What determines the price of an auto insurance policy?,” accessed July 10, 2024.
2. Centers for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed July 10, 2024.
3. The Insurance Information Institute, “Auto insurance basics—understanding your coverage,” accessed July 10, 2024
4. Arizona Department of Insurance and Financial Institutions, “Minimum Coverage Required for Arizona Drivers,” accessed July 10, 2024.
5. Experian, “Average Auto Loan Debt Grew 5.2% to $23,792 in 2023,” accessed July 10, 2024.
6. Arizona Court Help, “Driving Without Insurance,” accessed July 10, 2024.