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Arizona has some of the most diverse roadways in the country, from shoreline to desert and high elevation. Navigating its roads can be challenging, but keeping your car insurance rates within budget doesn’t have to be. Choosing the right coverage at the best price can help you safely make it through the Copper State.
We analyzed dozens of Arizona car insurance companies to help you find the cheapest insurers. Comparing quotes from companies known for affordable rates can ensure you get the coverage you need at a price you can afford.
Key Takeaways:
- The average cost of auto insurance in Arizona is $137 per month.
- GEICO, State Farm, and Travelers are some of the cheapest car insurance companies in Arizona.
- Comparing car insurance quotes, choosing a car that’s cheap to insure, and buying only the coverage you need are a few ways to save on Arizona auto insurance.
In This Article:
Arizona’s Cheapest Car Insurance Companies
Even though Arizona’s average car insurance rates are $137 per month, you still have ways to lower your insurance policy costs.
| Company | Monthly Premium |
|---|---|
| GEICO | $55 |
| Auto-Owners | $91 |
| General Casualty Insurance | $91 |
| COUNTRY Financial | $95 |
| State Farm | $98 |
GEICO is the cheapest insurance company overall, at $55 per month, according to Compare.com data. But insurance companies use multiple rating factors to determine premiums, so GEICO might only be the cheapest for many drivers. We compared car insurance companies using these demographics to find the most affordable options for Arizona drivers.
How we chose the cheapest companies in Arizona
Our team analyzed thousands of rates from dozens of the top insurance companies in Arizona. Using that data, we listed the five cheapest options for Arizona drivers based on several key factors, such as age, coverage level, driving history, and more. All the quotes listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in Arizona. The listed “full-coverage” quotes include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.
The Average Cost of Arizona Car Insurance
The average monthly cost of Arizona auto insurance is $137. Averages in the Grand Canyon State are 5% higher than in Utah and the rest of the U.S. and more than 22% more expensive than in California and New Mexico. Nevada is the only neighboring state with higher average premiums.
Arizona has a higher-than-average urban population density and car crash fatality rate, which could contribute to its more expensive average rate.
Rates also vary widely by driving profile and other rating factors, as you can see in the sections below.
| State | Average Rate | State Rate |
|---|---|---|
| Arizona | $137 | 35th cheapest |
| California | $109 | 18th |
| New Mexico | $112 | 22nd |
| Nevada | $175 | 46th |
| Utah | $130 | 33rd |
| Rest of U.S. | $129 |
Find Cheaper Rates in Arizona
Cheapest Car Insurance Rates for State-Minimum Insurance: GEICO
The level of coverage you choose directly affects your premium. State-minimum liability insurance is the least amount of coverage you can buy to comply with Arizona’s insurance requirements. Liability-only insurance usually costs less because it only covers injuries and damage you cause to someone else and their vehicle — it won’t cover your own vehicle repairs if you’re in an accident.
| Company | Monthly Premium |
|---|---|
| GEICO | $35 |
| Auto-Owners | $54 |
| COUNTRY Financial | $58 |
| General Casualty Insurance | $58 |
| Travelers | $68 |
GEICO offers the cheapest car insurance in Arizona for state-minimum insurance, with a $35 average monthly premium. Its average is $19 cheaper than Auto-Owners and $23 cheaper than COUNTRY Financial. When looking for bare-minimum coverage, GEICO’s competitively low rates and multiple discounts make it the best for your budget.
Cheapest Car Insurance Rates for Full-Coverage Insurance: GEICO
Full coverage typically includes liability, comprehensive, and collision coverages, and it may come with other optional coverages that can benefit some drivers. It’s more expensive because it pays for your vehicle repairs after a car accident, regardless of who’s at fault.
| Company | Monthly Premium |
|---|---|
| GEICO | $75 |
| General Casualty Insurance | $125 |
| Auto-Owners | $127 |
| State Farm | $128 |
| COUNTRY Financial | $133 |
GEICO has the cheapest full-coverage policy, at $75 monthly. General Casualty Insurance averages $50 more per month, while Auto-Owners averages $52 more than GEICO. If you’re looking for more coverage at an affordable rate in Arizona, you may want to consider GEICO.
Compare Arizona Auto Insurance Rates by Age
Your age is a big factor insurance companies consider when setting car insurance rates. Drivers with more experience usually make safer driving decisions. This helps them get cheaper premiums than younger, inexperienced drivers. We compared rates for teens and seniors to see which five Arizona car insurance companies are the most affordable for these age groups.
Cheapest car insurance for Arizona teens: Travelers
Teen drivers are the most likely to cause a car accident, making them the riskiest age group to insure. But young drivers typically see their rate go down once they reach 25.
The rates below are for the five cheapest car insurance companies for an 18-year-old driver, sorted by the cheapest liability-only rates.
| Company | Liability Only | Full Coverage |
|---|---|---|
| Travelers | $205 | $416 |
| The Hartford | $207 | $551 |
| State Farm | $212 | $383 |
| Allstate | $244 | $759 |
| SafeAuto | $262 | $561 |
Travelers has the cheapest average liability-only premiums for teen drivers, at $205 monthly. But at $383 per month, State Farm has the most affordable full-coverage car insurance. Both companies offer multiple ways for young drivers to save, including discounts and driver safety and monitoring programs.
Cheapest car insurance for Arizona seniors: Progressive
Approaching retirement can mean your budget is a bigger concern. Retirees typically enjoy lower rates than other age groups, especially if they drive less than they did when they were commuting for work.
The data table below shows Arizona’s five cheapest car insurance companies for 65-year-old drivers, sorted by the cheapest liability-only rates.
| Company | Liability Only | Full Coverage |
|---|---|---|
| Progressive | $68 | $132 |
| Mercury | $69 | $196 |
| The Hartford | $70 | $151 |
| American Family | $71 | $135 |
| Travelers | $72 | $135 |
Progressive has the most competitive rates for Arizona retirees needing liability-only or full-coverage auto insurance. Mercury, The Hartford, American Family, and Travelers’ rates are almost identical to Progressive’s for liability insurance. American Family and Travelers are $3 more than Progressive for full coverage. Senior discounts, like a defensive driving program discount, can help older drivers get cheaper auto insurance.
Compare Arizona Auto Insurance Rates by Driving Record
Perhaps the most important factor for auto insurance rates is your driving record. Getting moving violations and causing accidents make drivers riskier to insure, which causes insurance companies to raise rates to match the risk. We compared car insurance quotes for different driving profiles to find the five most affordable car insurance companies in Arizona.
Cheapest car insurance for good drivers in Arizona: GEICO
Insurance companies reward good drivers with the best car insurance rates. A good driver has no tickets or at-fault accidents on their driving record, and this is the basis of the data in the table below.
| Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $35 | $75 |
| Auto-Owners | $54 | $127 |
| COUNTRY Financial | $58 | $133 |
| General Casualty Insurance | $58 | $125 |
| Travelers | $68 | $138 |
GEICO is the cheapest insurance company for good drivers in Arizona for liability-only and full-coverage car insurance. Drivers who are accident-free for five years can save up to 22% with GEICO’s good driver discount. Auto-Owners is another affordable option, though its rates are $19 and $52 more than GEICO.
Cheapest car insurance in Arizona after a ticket: GEICO
Your insurance rates can increase if you get a speeding ticket or other moving violation in Arizona. The national average increase after a ticket is 23%. However, your rate change can vary by insurance company and personal rating factors.
The rates in the table below are for Arizona drivers with one speeding ticket on their driving record.
| Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $37 | $80 |
| COUNTRY Financial | $59 | $135 |
| State Farm | $75 | $137 |
| Root | $86 | $156 |
| Progressive | $88 | $180 |
GEICO and COUNTRY Financial are the cheapest companies for Arizona drivers with a speeding ticket. GEICO’s rates are $22 cheaper for liability-only and $55 less for full-coverage car insurance. State Farm and Root are other affordable options to consider.
Cheapest car insurance in Arizona after an accident: GEICO
An at-fault accident is another reason you could see higher auto insurance rates. The national average rate increase after an accident is 43%, but it can vary by insurer.
The table below shows the five cheapest car insurance companies for Arizona drivers with one at-fault accident.
| Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $80 | $138 |
| ACCC Insurance Company | $80 | $154 |
| State Farm | $82 | $150 |
| Auto-Owners | $84 | $183 |
| Root | $89 | $163 |
Though GEICO and ACCC Insurance Company tie for cheapest liability-only rates after an accident, ACCC’s full-coverage car insurance rates average $16 more. State Farm and Auto-Owners are $2 and $4 more for liability-only coverage, but State Farm’s full-coverage rate is $4 cheaper than ACCC’s. Auto-Owners is $33 more for full coverage than State Farm.
Cheapest car insurance in Arizona after a DUI: State Farm
One of the most serious driving convictions you can receive is a DUI. The national average rate increase after a DUI is 92%, according to Compare.com data.
Arizona drivers with a DUI can face license suspension, among other penalties. You might need SR-22 insurance, and your insurance company could even cancel your policy.
The average rates in the table below are sorted by liability-only coverage for drivers with one DUI conviction.
| Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $75 | $137 |
| Progressive | $80 | $161 |
| GEICO | $83 | $179 |
| Root | $85 | $151 |
| COUNTRY Financial | $101 | $207 |
State Farm is the cheapest option on average for Arizona drivers with a DUI. Progressive’s average liability-only rate is $5 more than State Farm’s, but full coverage is $24 higher. Root may be a better option for full coverage since its average rate is only $14 more than State Farm.
The Cheapest Cities for Car Insurance in Arizona
Your ZIP code and the city you live in can affect your cost of car insurance in Arizona. Multiple factors can cause rates to vary by city, including weather, crime rate, population size, the cost of vehicle repairs, and medical bills.
The table below shows the average monthly liability-only quotes for cities throughout the Grand Canyon State.
| City | Average Monthly Quote |
|---|---|
| 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 |
| Tolleson | $78 |
| Tucson | $54 |
| Yuma | $38 |
Arizona’s average monthly rates range from $36 to $80, according to Compare.com data. The cheapest Arizona cities are Kingman and Lake Havasu City, at $36 per month, and Cottonwood and Douglas, at $37 per month.
The largest Arizona cities by population are Phoenix, Tucson, and Mesa. While rates in Phoenix are among the highest, at $71, Tucson rates average $54, and Mesa’s average premium is $62. Phoenix’s and Mesa’s more urban layouts may contribute to their higher rates.
5 Ways to Get Cheap 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 Lauren McKenzie, senior licensed insurance agent for A Plus Insurance.
- 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, autopay, and bundling multiple policies.
- Compare car insurance quotes. Shopping regularly, like when your policy renews, and comparing quotes with different companies can help you get the lowest rates.
Find Cheaper Arizona Car Insurance in Minutes
Arizona Auto Insurance Requirements
Arizona has minimum auto insurance requirements drivers must purchase:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
Arizona drivers must also have these same limits for uninsured and underinsured motorist coverages. 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 you’re caught driving without auto insurance in Arizona. The Motor Vehicle Division (MVD) will suspend your license and vehicle registration. If you’re found 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 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 minimum 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 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. McKenzie says most insurance companies can add the SR-22 for $25 or less per policy term.
Arizona Auto Insurance FAQs
If you’re shopping for car insurance in the Grand Canyon State, this additional information may help as you research your coverage options.
What is the cheapest auto insurance company in Arizona?
The cheapest auto insurance company in Arizona depends on your driving history, claims record, and other personal factors. Our data analysis shows the cheapest car insurance companies in Arizona are GEICO, Auto-Owners, General Casualty Insurance, COUNTRY Financial, and State Farm.
How much is car insurance in Arizona?
How much car insurance costs in Arizona depends on factors such as your age, driving and claims history, vehicle type, coverage options, and credit score. We found the state average rate to be $137 per month.
Which city has the cheapest car insurance in Arizona?
Kingman and Lake Havasu City tie for the cheapest Arizona city for car insurance. Both cities average $36 per month for liability-only coverage, according to Compare.com rate data. Cottonwood and Douglas average just $1 more per month.
How much car insurance is required in Arizona?
The Arizona car insurance requirement is 25/50/15 for liability insurance and uninsured motorist coverage. That’s $25,000 per person and $50,000 per accident for bodily injury and $15,000 for property damage per accident.
What happens if you get caught driving without insurance in Arizona?
If you get caught driving without insurance in Arizona, you’ll pay a hefty fine of at least $968.30. Your license and vehicle registration will be suspended until you pay your penalty and provide proof of insurance. You also must provide an SR-22 form for three years.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes 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 quotes listed in this article have been gathered 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 drivers with insight into how auto insurance companies determine their premiums.
Sources
- Arizona Department of Insurance and Financial Institutions. “Minimum Coverage Required for Arizona Drivers.” Accessed July 5, 2023.
- Arizona Department of Transportation. “Driving Under the Influence (DUI).” Accessed July 5, 2023.
- Arizona Department of Transportation. “MVD Drivers FAQ Driver License Suspension, Revocation and Reinstatement.” Accessed July 5, 2023.
- AZ Court Help. “Driving Without Insurance.” Accessed July 5, 2023.
- Insurance Institute for Highway Safety. “Fatality Facts 2021 State by state.” Accessed July 3, 2023.
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