The cheapest car insurance companies in Arizona are GEICO, Auto-Owners, and State Farm. The difference between the cheapest and most expensive car insurance in Arizona is $3,127 per year, so it pays to compare quotes.
Insurance in Arizona may not be the most expensive, but it’s not the cheapest, either. Many Arizona drivers can save as much as $3,127 per year, or even more, just by shopping around and going with one of the cheapest quoted rates. To help you find cheap auto insurance in Arizona, we compared quotes from all major insurers using several driver profiles and AZ zip codes. You can find WalletHub’s top picks below. You can also compare the cheapest options to the best car insurance companies in Arizona to make sure you find the right coverage for your needs.
You can find out more on how Arizona car insurance rates compare nationally in our cheap car insurance study.
Cheapest Insurance Rates by Category
Cheap for Good Drivers
Cheap for Full Coverage
Cheap for Speeding Ticket
Cheap for One At-Fault Accident
Cheap for Poor Credit
Cheap for Young Drivers
Cheap for Old Drivers
Cheap for Drivers with a DUI
Cheap for Married Drivers
Cheapest Car Insurance in Arizona for Good Drivers
Auto-Owners has the cheapest car insurance for most good drivers in Arizona. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional discounts from their insurance company.
Cheapest Car Insurance in Arizona for Full Coverage
Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than minimum coverage.
After a speeding ticket, most drivers will see their insurance rates go up for 3-5 years. It’s important to keep in mind that each insurance company calculates rates differently, so you should always get multiple quotes in order to make sure that you get the best deal.
Cheapest Car Insurance in Arizona for Drivers with One At-Fault Accident
One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you high-risk. Because of your higher rates, it is even more important to comparison shop.
Cheapest Car Insurance in Arizona for Drivers with Poor Credit
A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
Cheapest Car Insurance in Arizona for Young Drivers
Young, inexperienced drivers pay more for car insurance because they have yet to prove themselves responsible behind the wheel. Young drivers are also statistically more likely to get into an accident than middle-aged drivers. As a result, most drivers will see their rates drop as they age.
Cheapest Car Insurance in Arizona for Older Drivers
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
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Cheapest Car Insurance in Arizona for Drivers with a DUI
Drivers who have a DUI on their record typically experience much higher rates than drivers with a clean driving record or people with a history of less severe violations. A DUI usually affects your insurance rates for 3-10 years, but the violation itself may stay on your driving record for much longer than that.
To identify the cheapest post-DUI insurance companies, WalletHub compared rates for a 45-year-old, single man, with minimum coverage, one DUI, and good credit across major insurers.
Cheapest Car Insurance in Arizona for Married Drivers
Married drivers typically enjoy cheaper car insurance rates than drivers who are single. Auto insurance companies generally view drivers who are married as more responsible and less of a risk to insure. To help married drivers further reduce their insurance costs, WalletHub compared major insurance companies’ rates for a 45-year-old, married man with minimum coverage, a clean driving record, and good credit.
The table above reflects the average annual cost of car insurance in Arizona’s largest cities and towns.
Factors That Affect Car Insurance in Arizona
Recap: Cheapest Auto Insurance Companies in Arizona
The cheapest car insurance company in Arizona is GEICO, which charges an average of $64 per month for state-minimum coverage. In addition to being the cheapest auto insurer for Arizonians overall, it is the cheapest option for a number of specific categories, such as full coverage and insurance for good drivers.
For your convenience, we’ve summarized the cheapest companies overall below.
7 Tips for How to Get Cheap Car Insurance in Arizona
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Arizona, regional insurers like The Hartford and Safeco might have lower rates than national companies like State Farm, Allstate, and American Family and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Arizona
Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Arizona, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.
3. Choose coverage that is right for you
You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in Arizona. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.
Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
4. Search for discounts
Top car insurance companies in Arizona have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
5. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Arizona. On average, drivers in the most expensive parts of Arizona spend over $1,000 more per year on car insurance than those living in the least expensive areas.
6. Skip coverage if you’re not a full-time resident
Hundreds of thousands of seasonal residents come to Arizona each winter, living in the state for three to five months out of the year. But part-time Arizona residents only need to maintain insurance coverage in the state of their permanent residence, where they live the majority of the year.
7. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Arizona drivers who don’t maintain continuous coverage pay an average of 13% more than those with five or more years of insurance history.
Video: Cheap Auto Insurance in Arizona
Methodology for Selecting the Cheapest Auto Insurance in AZ
WalletHub’s analysis of cheap car insurance companies in Arizona is based on data from the Arizona DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Arizona drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Arizona car insurance companies by averaging premiums from 39 zip codes that represent at least 20% of Arizona's population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident
Clean
Miles Driven Per Year
7,500 Miles, 15,000 Miles, 20,000 Miles
15,000 Miles
Coverage Level
Minimum, Standard, Full
Minimum
Discounts
None, Multi-Policy, Homeowner, Student
None
Credit Level
Poor, Good
Good
Filings
None, SR22, FR44
None
Car
Sedan, Minivan, SUV, Coupe, Truck
Sedan
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability, as required by Arizona's minimum coverage requirements.
Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
Sedan: 2018 Toyota Camry.
Minivan: 2018 Dodge Grand Caravan.
SUV: 2018 Toyota RAV4.
Coupe: 2018 Ford Mustang.
Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Arizona insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Questions & Answers
Finding the cheapest car insurance in Arizona can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines.
Car insurance in Arizona costs $60 per month or $720 per year for minimum coverage, on average. The cheapest car insurance companies in Arizona are USAA, GEICO, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Arizona is 12% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Arizona, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Arizona by Category
After an at-fault accident: $262 per month
Driver with poor credit: $109 per month
Teen driver: $346 per month
After a DUI: $106 per month
Average Cost of Car Insurance in Arizona by Company
Note: Rates are an approximation based on a driver in Arizona with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Arizona
Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
Noblr has the cheapest full coverage car insurance in Arizona, charging an average of $54 per month or $649 per year. This is cheaper than the $4,684 per year drivers pay for full coverage in Arizona on average.
The city in Arizona with the least expensive auto insurance premiums is Lake Havasu City, which has an average annual premium of $1,227 per year. By comparison, the overall average cost of car insurance in Arizona is $1,750 per year.
You can get car insurance discounts in Arizona based on how you drive, the car you own, and your relationship with your insurance company. In Arizona, car insurance companies are allowed to consider factors such as employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
Noblr has the cheapest SR-22 insurance in Arizona, charging an average of $204 per year for minimum coverage. Noblr's SR-22 insurance is 471% cheaper than what other companies charge for SR-22 insurance in Arizona, on average.
Arizona drivers who are convicted of serious driving offenses, such as DUI or reckless driving, may be required to get an SR-22. Since drivers with an SR-22 are considered high-risk, they will pay higher insurance premiums than the average driver,...
To get the best high-risk auto insurance in Arizona, you should compare quotes from at least three different insurance companies. The best high-risk auto insurance companies in Arizona are GEICO, Country Financial, and Auto-Owners because they offer the most competitive rates for high-risk drivers. You should also practice safe driving habits moving forward, so you can get even lower rates in the future.
Best High-Risk Auto Insurance Companies in Arizona
The best car insurance in Arizona for drivers with a DUI is from Mercury, Travelers, and Auto-Owners. Getting a DUI in Arizona will raise your insurance premiums by an average of $552 per year, but you can minimize the cost of post-DUI car insurance by comparing quotes from the cheapest companies.
The cheapest car insurance in Arizona costs an average of $21 per month ($256 per year), which is significantly less expensive than the national average cost of car insurance. Some of the cheapest car insurance companies in Arizona include Noblr, Root, and GEICO.
Arizona law requires you to have $25,000 in coverage for one person's bodily injury or death, up to $50,000 total per accident. Arizona also requires you to carry at least $15,000 in coverage for other people's property damage when you are at fault.
The best car insurance for young drivers in Arizona is from GEICO, which is rated highly by WalletHub's editors for its discounts, customer reviews, ability to pay out claims, and competitive rates for young drivers. GEICO charges young drivers an average of $65 per month, while the state average is $173 per month.
Car Insurance is a necessary expense if you’re a driver, but trying to find the cheapest rates can be a time-consuming process. To gain more insight about getting cheap car insurance while still having quality coverage, WalletHub posed the following questions to a panel of experts in Arizona. Click on the experts below to view their bios and answers.
What does it say about car insurance companies that so many have celebrity endorsers?
Do you think it’s fair to say that car insurance companies mislead customers or is it just marketing?
Is it fair for car insurance companies to consider gender or age when setting premiums?
Is it fair for car insurance companies to consider a driver’s occupation when setting premiums?
Do you think car insurance companies are fair to college students?
What advice do you have for new drivers when it comes to car insurance?
How do you think increased adoption of electric vehicles will change the car insurance landscape?
To what extent has technology disrupted the car insurance industry relative to others?
Sreedhar Bharath Ph.D., Professor of Finance, Finance Department, W. P. Carey School of Business, Arizona State University Read More
Christos Makridis Founder of Dainamic Brands; Associate Research Professor, W. P. Carey School of Business, Arizona State University Read More
Dan Marburger Clinical Professor of Economics, W. P. Carey School of Business, Arizona State University Read More
Kathleen Kahle Thomas C. Moses Professor of Finance, Eller College of Management, University of Arizona Read More
Dennis L. Hoffman Professor of Economics and Director L. Wm. Seidman Research Institute and the Office of the University Economist, Arizona State University Read More
Alexander Bick Associate Professor of Economics, W. P. Carey School of Business, Arizona State University Read More
