Best Cheap Car Insurance in Arizona for 2021

Live in Arizona and want to find the best car insurance for you? Check out our latest guide below, or if you’re ready to get quotes right away, just enter your ZIP code below.

arizona $71.75/mo.
National $89.17/mo.

Average Premiums

Finding affordable car insurance in Arizona comes with obstacles and, at times, a hint of confusion. But, you can learn what to expect and how to get the cheapest car insurance coverage in the state through this guide. You’ll see the actual Arizona state auto insurance requirements and how to find the most affordable rates according to the numbers.

Regardless of whether you’re a new and young or a mature and experienced driver—find a way to save on your auto insurance rates in Arizona by reading on.

Arizona Car Insurance Requirements

Each state has unique conditions when it comes to responsibly operating a vehicle on its roads. While you won’t need to show financial responsibility proof as you might in other states, to drive in Arizona legally, you must have liability insurance that covers, at a minimum:

  • $15,000 per person
  • $30,000 per accident for bodily injury
  • $10,000 per accident for property damage

This coverage will pay for damages you cause when you’re at fault for an accident. Whatever coverage you carry is how much your insurance carrier will pay on your behalf.

While Arizona doesn’t require drivers to hold collision and comprehensive coverage, remember medical payments and additional damages—including your costs if you’re ruled at fault—may not be covered by these minimum coverage levels. Also, you may choose to insure yourself above and beyond these levels to limit your exposure to financial risk when you need to make a claim after an accident.

Arizona Car Insurance Penalties

Once you’re in an accident, the costs of damages are not the only thing to worry about: without insurance, the financial and legal damages associated with breaking the law can be severe, even for a routine traffic stop. If you fail to comply with Arizona’s minimum auto insurance requirements and are cited, you may face the following penalties:

  • A fine of up to $250 and suspension of license up to 3 months for a first offense
  • A fine of at least $500 and suspension of your license up to 6 months for a second offense within 36 months
  • A fine of at least $750 and a suspension of license and registration of 1 year for a third offense within 36 months

Additionally, drivers with a suspended license will need to furnish an SR-22 form, a certification of financial responsibility, before they are allowed back behind the wheel.

Cheapest Car Insurance for Teen Drivers in Arizona

Because they lack the experience of older drivers, insurance companies can make it harder for teen drivers to find affordable coverage in any state. However, if you’re looking for car insurance as a young driver, you can look to the companies that consistently offer the lowest cost coverage on average, according to our numbers.

Cheapest Companies for 18 and 19-year-olds in Arizona

Here are the cheapest car insurance quotes for teens from companies in Arizona on average:

Insurance Company Average Monthly Premium
Dairyland $132
Clearcover $152
Metromile $180
Freedom $188
Commonwealth Casualty $193
Gainsco $218
Liberty Mutual $239

 

In our research, Dairyland is the cheapest car insurance company for teen drivers in Arizona, offering rates from $132 per month for the basic liability insurance necessary in the state. Clearcover and MetroMile are also important to note for their similar rates, starting at $152 and $180 each month.

While these ten are well-known for giving teens the best car insurance rates, you should also remember that each quote varies. Even though a company usually offers low-cost car insurance, it doesn’t necessarily mean your child (or you) will get the best rates from them because of all the important factors insurance companies use to generate their premiums. You’ll need to shop for low car insurance quotes yourself to see the actual savings.

Cheapest Car Insurance for Young Drivers in Arizona

Similar to the way teen drivers usually get higher premiums than the more mature driver, those in their early twenties are associated with more significant risks and expensive claims by insurance companies. Nevertheless, we’ve identified some of the best companies to turn to if you fall in this age range.

Cheapest Companies for 18 to 24-year-olds in Arizona

If you’re a young driver up to 24 years old, you’re likely to get the best rates by looking at the top companies for your age group in Arizona:

Insurance Company Average Monthly Premium
Dairyland $112
Clearcover $122
Commonwealth Casualty $135
Motion Auto $141
BridgeNet $147
Metromile $151
Gainsco $181

 

You’ll notice Dairyland is—once again—the cheapest company for people under the age of 24 to get cheap car insurance. Clearcover and Commonwealth Casualty also command top spots with rates of $122/mo and $135/mo, making it affordable for younger drivers to get the essential, legally required coverage they need.

Just like any driver, however, the best way to see how you can save on coverage with a lower monthly premium is to compare car insurance rates online. The actual cost of car insurance will change based on who you are as a driver, where you live, what you drive, and several other insurance factors that go into the calculation.

Cheapest Car Insurance for Retired Drivers in Arizona

Surprisingly, car insurance costs often rise after you hit 65. This is because insurance companies start to see claims go up as you age. But, you can still find affordable coverage with these car insurance companies.

Cheapest Companies for 65+ Drivers in Arizona

These insurance companies offer the most affordable coverage for drivers 65+:

Insurance Company Average Monthly Premium
Dairyland $45
Mile Auto $53
Liberty Mutual $55
Metromile $65
Commonwealth Casualty $66
Safeco $68
Clearcover $80
USAA $81
Motion Auto $89

 

Impressively, Dairyland takes the top spot once again with coverage for Arizona seniors who pay as little as $45 per month for their car insurance. According to our averages, Mile Auto and Liberty Mutual offer similar rates for these drivers, with premiums at $53 and $55 per month, respectively. Your rate will vary according to personal car insurance factors, but you can expect some of these numbers when you start to compare quotes.

Cheapest Car Insurance for Married Drivers in Arizona

Car insurance companies look kindly on the stability and responsibility that the commitment of marriage communicates. An advantage of this is that married drivers can get some of Arizona’s most affordable car insurance rates for their coverage.

Cheapest Companies for Married Drivers in Arizona

Looking for cheap car insurance as a married couple? Look no further than these best car insurance companies for those who have said, “I do.”

Insurance Company Average Monthly Premium
Commonwealth Casualty $49
Assurance America $52
Infinity $62
Liberty Mutual $66
Metromile $67
Gainsco $73
Motion Auto $83
Clearcover $84
Safe Auto $104

 

With rates as low as $49/mo, Commonwealth Casualty takes the first seat this time for most affordable insurance for married couples, followed by AssuranceAmerica ($52/mo) and Infinity ($62/mo). With the savings opportunity, married couples should always decide on policies by comparing quotes from the best car insurance companies because rates can vary from company to company.

Cheapest Car Insurance for Single Drivers in Arizona

Even if you’ve yet to walk down the aisle, you can still save on car insurance by choosing companies that offer affordable rates to single drivers. We crunched the number for those who haven’t made the lifelong commitment, and made some positive discoveries for the single driver.

Cheapest Companies for Single Drivers in Arizona

Here are the best car insurance companies for single drivers in Arizona who don’t want to overpay for coverage simply because they haven’t taken a walk down the aisle:

Insurance Company Average Monthly Premium
Assurance America $56
Dairyland $59
Mile Auto $61
CSAA $62
Mercury $63
Commonwealth Casualty $64
Sun Coast $72
Liberty Mutual $73
Safeco $74
Metromile $81

 

Single drivers in Arizona will pay the lowest premiums with insurers like Assurance America ($56/mo), Dairyland ($59/mo), and Mile Auto ($61/mo). Still, they should always check rates on car insurance online before selecting a company—no matter where they land on our list.

Cheapest Car Insurance for Men vs. Women in Arizona

Gender is a factor in your car insurance premiums.  It’s well-known that men tend to pay more for car insurance than women because men are statistically likely to result in more car insurance claims and expenses. However, that isn’t always the case. That’s why it’s critical men (and women) look at the cheapest companies when it comes to getting their coverage. They both stand to save.

Top 5 Cheapest Companies for Men in Arizona

Simply looking at the data, it appears there are quite a few companies that provide competitive rates on car insurance specifically for male drivers. These are the cheapest car insurance companies for men based on our 2021 data:

Insurance Company Average Monthly Premium
Assurance America $54
Mercury $56
Mile Auto $59
Dairyland $61
Commonwealth Casualty $64

Top 5 Cheapest Companies for Women in Arizona

In Arizona, women can find cheap car insurance rates from these affordable companies:

Insurance Company Average Monthly Premium
Assurance America $57
Dairyland $58
Commonwealth Casualty $60
Mile Auto $63
Mercury $71

 

Even though there are slight differences in what they stand to pay, Assurance America, Mercury, Commonwealth Casualty, and Mile Auto provide surprisingly good premiums for men and women in Arizona. Everyone, of course, should look into car insurance rates before choosing a company—even one of these on our top list.

Once you’ve looked at gender, age, and even marital status—it’s important to start digging into the other factors insurance companies use to calculate premiums. One of the more important will be if you have a clean driving record, and we provide valuable data on how to save with top car insurance companies for those with challenged records here as well.

Cheapest Car Insurance for Arizona Drivers with Spotty Records

It can happen to anyone. You may have received a parking ticket (or two) in the past few years, been involved in an accident (through no fault of your own), or simply been unlucky enough to incur a traffic infraction. You probably know your car insurance will be affected by moments of misfortune, but you may not know which companies will be the most forgiving.

Cheap Car Insurance for Drivers with a Ticket on their Record

When you calculate the average insurance premiums for those with a single ticket on their driving history, you’ll see several companies make insurance more affordable for imperfect drivers – even when it comes to having multiple tickets.

Top 5 Cheapest Companies for Drivers with 1 Ticket

Insurance Company Average Monthly Premium
Assurance America $65
Commonwealth Casualty $73
Dairyland $74
Metromile $87
Liberty Mutual $89

You’ve seen some of these companies before—such as Assurance America ($65/mo), Dairyland ($74/mo), and Metromile ($87/mo)—who tend to offer the cheapest car insurance in Arizona. They are compassionate with Arizona drivers who’ve received just one ticket, giving rates around $70 per month across the board. And, this group of insurers stays consistent when you look at multiple ticket insurance as well.

Top 5 Cheapest Companies for Drivers with Multiple Tickets

Insurance Company Average Monthly Premium
Assurance America $63
Motion Auto $86
Sun Coast $97
Commonwealth Casualty $98
Infinity $109

You’ll see some familiar names appear when searching for car insurance with multiple tickets on your record, even though some of the rates are steeper with more than one ticket by comparison. Assurance America keeps its spot with Arizona drivers as one of the best options, with a premium starting at just $63 per month. With four more great options on our list, even the most expensive insurance in the category rings in at just $109 per month with Infinity Insurance.

Cheap Car Insurance for Drivers with an Accident on their Record

When you look at things a bit more serious than a parking or speeding ticket, the same pattern holds true of accidents and multiple accidents in Arizona: a few alternative companies are the cheapest, but rates differ according to the number of accidents.

Cheapest Companies for Drivers with 1 Accident

Insurance Company Average Monthly Premium
Commonwealth Casualty $79
Motion Auto $100
Metromile $104
Dairyland $108
Sun Coast $113

With accidents, we start to get into steep premiums. For drivers with a single accident on their record in Arizona, the cheapest monthly insurance rates they can pay range from $79 with Commonwealth Casualty to $113 with Sun Coast. The premiums only increase as you select traditional providers. Of course, multiple accidents mean more money spent on insurance in Arizona too.

Cheapest Companies for Drivers with Multiple Accidents

Insurance Company Average Monthly Premium
Commonwealth Casualty $108
Motion Auto $110
Clearcover $141

A driver’s history has a stark impact on their car insurance premium since it indicates the relative risk of the driver to the insurance company’s highest profits. While we have just 3 affordable companies for multiple accidents on our list, Commonwealth Casualty ($108/mo), Motion Auto ($110/mo), and Clearcover ($141/mo)  maintain their position as some of the cheapest in the state of Arizona for satisfying the minimum requirements to drive legally.

Cheapest Arizona State Minimum Coverage

By choosing the minimum liability coverage, you stand to save the most money as long as you’re willing to sacrifice the possibility of larger insurance payouts in the event of a claim. Look for the cheapest car insurance with these companies for the minimum coverage to satisfy your legal obligations.

Top 10 Cheapest Companies for State Minimum Liability

The cheapest companies for satisfying the legal driving requirements are some of the same names we’ve come to love in Arizona for the savings they offer:

Insurance Company Average Monthly Premium
Mile Auto $42
Mercury $48
Assurance America $48
Dairyland $51
Safeco $54
Commonwealth Casualty $54
Liberty Mutual $55
Sun Coast $61
Metromile $62
Motion Auto $64

 

If you want to stick with an essential coverage option, you can find insurance with providers like Mile Auto and Mercury for just $42 or $48 per month as your total premium. Even as you climb the scale, the most expensive insurance on our list comes in at just $64 per month (Motion Auto), making it clear that there are lots of ways to save while serving up proof of the right to drive.

Cheapest Full Coverage Car Insurance in Arizona

Of course, minimum coverage isn’t enough for some drivers who want to be as financially protected and responsible as possible. You’ll see the companies below topping the list of the most affordable full coverage car insurance.

Top 10 Cheapest Companies for State Minimum Full Coverage

With companies like Assurance America and Metromile, you’ll once again find you can save by insuring your vehicle with a provider in one of these top positions:

Insurance Company Average Monthly Premium
Assurance America $81
Metromile $93
Clearcover $96
Bridge Net $98
Motion Auto $116
Liberty Mutual $122
Safe Auto $144

Going above and beyond the minimum liability insurance required in Arizona, some of the same names remain consistent when it comes to more robust coverage options that can handle comprehensive and collision claims. Assurance America, for instance, at $81 per month, will offer many more options to consumers in the event of car insurance claims than it will at the liability level above ($48 per month).

The Best Rated Car Insurance Companies in Arizona

Across the state, Arizona car insurance companies compete for top seats when it comes to satisfying customers, offering excellent coverage, low prices, and discounts.

When you look at the reviews, you see one company that stand outs as best in the state for their satisfaction rates, customer experience, and coverage: Allstate.

Allstate does an amazing job satisfying the demographic, giving excellent service, competitive rates, and an overall top notch experience of being insured that Arizonans love.

Arizona Car Insurance Discounts

Arizona drivers are open to all the discounts you can find nationwide such as reductions for taking drivers education classes, bundling your policies, or being a safe driver, a student, and even a teacher. Beyond your ability to save based on your membership in a particular group or participation in a unique program, you can save money on car insurance in Arizona through the standard options like paying in full, setting up autopay, and receiving paperless statements.

For the Arizona driver seeking to save, there are lots to choose from. For a complete list of available discounts, you should talk to your current insurer about the options they have for you. You can also review our list of popular discounts.

Compare Car Insurance Rates by Arizona Cities

The area you live in is one of the main factors in determining how much or how little you pay for car insurance. If your zip code has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. Check out our rate comparison table below to help you see how rates vary from city to city.

City Average Monthly Premium
Apache Junction $55
Avondale $69
Buckeye $57
Bullhead City $38
Casa Grande $50
Chandler $62
Cottonwood $37
Douglas $37
El Mirage $68
Flagstaff $47
Florence $50
Gilbert $72
Glendale $73
Goodyear $62
Kingman $36
Lake Havasu City $36
Laveen $72
Litchfield Park $69
Marana $47
Maricopa $52
Mesa $62
Peoria $68
Phoenix $71
Prescott $43
Prescott Valley $45
Queen Creek $76
Safford $43
Sahuarita $57
San Tan Valley $80
Scottsdale $57
Sierra Vista $39
Sun City $56
Surprise $63
Tempe $72
Tempe $77
Tucson $54
Yuma $38

 

Click each city in the table above for a detailed breakdown of factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like your driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

Arizona Vehicle Registration Fees and Other Costs

If you’re in the market for a new or used car, you need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck, or SUV, as well as buying a new car insurance policy for your vehicle. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees, and a slew of other costs.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Arizona.

Arizona Auto Insurance FAQ

What car insurance is required in Arizona?

Arizona requires minimum liability insurance in the event of an accident. Suppose you are at fault – in that case, your insurance must have promised the following amounts—or else you’ll face Arizona law and penalties for driving without the necessary insurance:

  • $15,000 per person
  • $30,000 per accident for bodily injury liability
  • $10,000 per accident for property damage liability

How much is car insurance in Arizona?

On average, in Arizona, drivers paid $81 per month for their legally required car insurance. This rate is comparable to other states—and much cheaper than others where legal requirements for car insurance are higher and more elaborate.

What happens if you drive without insurance in Arizona?

If you drive without insurance in Arizona, you’ll face steep fines, suspension of your driver’s license, and potential legal problems. Your penalties can range from $250 for the first offense to $750+ for the third within 36 months.

Does Arizona require full coverage car insurance?

Arizona requires liability insurance with specific limits and has chosen not to require comprehensive or collision coverage as state law. By meeting the limits listed above, you can cheaply satisfy your car insurance requirements in Arizona.

Can you get car insurance without a license in Arizona?

Generally, you can buy car insurance without a license, but you may need to identify yourself as an excluded driver so the insurance company will accept your application and overlook the risks you present.

 



Methodology

All data referenced in this article comes from a combination of proprietary data -- which is aggregated from millions of real customer quotes through Compare.com -- and additional data gathered in collaboration with Quadrant.