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.
The cheapest liability insurance in Arizona is from Noblr, which charges an average of $21 per month ($256 per year). In Arizona, having liability insurance from Noblr can help you save hundreds of dollars each year on your car insurance premiums.
Cheapest Liability Insurance in Arizona
Company
Average Cost
Noblr
$256 per year
Root
$613 per year
GEICO
$647 per year
Auto Owners
$881 per year
Country Financial
$915 per year
*Premiums are representative of a 45-year-old good driver with minimum coverage; individual premiums will vary.
Liability insurance in Arizona costs an average of $134 per month, so finding the cheapest insurers can help you save. The easiest way to find the cheapest car insurance for your needs is to compare quotes from several insurers and take advantage of all available discounts.
To learn more, check out WalletHub's guide to the cheapest car insurance companies in Arizona.
No, car insurance in Arizona is not cheaper than coverage in most other states. The average cost of car insurance in Arizona is $134 per month, or $1,606 per year, for minimum coverage, which is 14% more expensive than the national average of $117 per month.
However, you can still find cheap coverage by comparing quotes and taking advantage of discounts. To help you get started, here are some of the cheapest car insurance companies in Arizona, based on WalletHub...
Car insurance in Arizona is expensive because the state has higher than average traffic fatalities, with 1.4 deaths per 100 million miles driven (compared to the national average of 1.1). In Arizona, you can expect to pay approximately $4,684 per year for full coverage car insurance or $1,606 per year for minimum coverage. Car insurance in Arizona is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
Arizona car insurance laws require $15,000 of bodily injury liability coverage per person, up to $30,000 per accident, as well as $10,000 of property damage liability coverage.
Bodily injury liability insurance pays for any injuries that you accidentally cause with your car, while property damage liability coverage helps pay for any material assets that you damage while driving, like another person's car or mailbox. Your insurance company pays up to the limit specified by...
Arizona is an at-fault state, which means the at-fault driver is responsible for paying for everyone injured in the accident. Drivers in Arizona are required to carry at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $15,000 in property damage liability insurance. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP)
Full coverage insurance in Arizona is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $15,000 in property damage coverage. Full coverage in Arizona also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $2,111 per year in Arizona, while a state minimum policy costs $720 per year.
To get temporary car insurance in Arizona, you will have to purchase a six month policy and cancel mid-policy when you no longer need coverage. You may have to pay a cancellation fee, depending on your insurer, but you can usually get a refund for any unused coverage time you've prepaid for.
The most affordable temporary car insurance coverage in Arizona is from Auto-Owners, which charges an average of $32 per month for state-minimum coverage. Meanwhile, the...
You can register a car without insurance in Arizona, although you still need insurance coverage to drive legally. Arizona is one of a handful of states that allow you to register a newly-purchased car without insurance, along with California, Iowa, Mississippi, New Hampshire, North Dakota, Tennessee, Virginia, Washington, and Wisconsin.
In Arizona, you are required to have $25,000 in bodily injury liability coverage per person, up to $50,000 per accident, along with $15,000 in liability...
You need an SR-22 in Arizona for 3 years, meaning you must also maintain at least the minimum car insurance coverage required by Arizona law for 3 years. Failure to have an SR-22 for 3 years can result in additional penalties and reinstatement fees.
Arizona SR-22 Insurance Requirements
$25,000 in bodily injury liability insurance per person ($50,000 per accident)
Drivers in Arizona can get cheap car insurance with "no deposit" or "no down payment", but all that really means is you only have to pay the first month's premium to get coverage. You cannot get car insurance in Arizona without paying something up front.
The average premium in Arizona is about $390 per month for full coverage and around $134 per month for state-minimum coverage. Drivers in Arizona should expect to pay about that much in...
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
