Who Has the Cheapest Car Insurance Quotes in Arizona? (2023)
Travelers has the best cheap car insurance in Arizona at $39 per month for minimum liability coverage.
Best cheap car insurance companies in Arizona
To help you choose the best cheap car insurance in AZ, our editorial team compared quotes from the top auto insurance companies in the state across every ZIP code. Quotes for minimum coverage meet Arizona's state liability insurance requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $15,000 in property damage coverage. Quotes for full coverage insurance include higher liability limits than state minimums, plus collision and comprehensive coverage.
We also ranked the best insurance companies in Arizona based on customer satisfaction, convenience, coverage availability and affordability for different drivers.
Cheapest car insurance quotes in Arizona: Travelers
Travelers has the cheapest minimum liability coverage in Arizona with quotes 39% less than the state average.
The average cost of car insurance in Arizona is $768 per year, or $64 per month, for minimum liability.
Find Cheap Auto Insurance Quotes in Arizona
Military members, veterans and their families can get even cheaper rates from USAA. At $24 per month, a policy from USAA costs $15 less per month than coverage from Travelers.
Cheapest Arizona car insurance companies
Company | Monthly rate | |
|---|---|---|
| Travelers | $39 |
| State Farm | $42 |
| The Hartford | $72 |
| Geico | $75 |
| Progressive | $75 |
*USAA is only available to current and former military members and their families.
Purchasing minimum liability insurance is the cheapest way to ensure you can drive legally. On average, minimum coverage costs $96 per month less than full coverage.
However, minimum liability insurance in Arizona only pays for injuries to others or damage to another person's car or property. It doesn't include protection for your own car or pay for injuries to you and your passengers.
We recommend purchasing full coverage auto insurance rather than minimum coverage to ensure you have enough protection if you're in a major accident.
Cheapest full coverage insurance in AZ: State Farm
State Farm offers the cheapest quotes for full coverage at $94 per month — 41% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $94 |
| Travelers | $124 |
| Progressive | $134 |
| Geico | $158 |
| AAA | $161 |
*USAA is only available to current and former military members and their families.
Full coverage auto insurance in Arizona costs $159 per month, on average.
In addition to liability coverage, full coverage quotes include comprehensive and collision coverages. Comprehensive coverage pays for damage from incidents beyond your control, such as hail or theft. Collision coverage pays for damage to your car if you crash into another car, regardless of fault.
Cheap car insurance for Arizona drivers with prior incidents
State Farm has the cheapest quotes in Arizona for people with a poor driving record.
Drivers with a speeding ticket or accident on their record will pay more for insurance than those with a clean driving record.
Find Cheap Auto Insurance Quotes in Arizona
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the best car insurance quotes for Arizona drivers who have a speeding ticket on their record. Its average rate is $100 per month for full coverage insurance, which is 52% cheaper than average.
In Arizona, a single speeding ticket will increase your insurance rates by around 31%.
Company | Monthly rate |
|---|---|
| State Farm | $100 |
| Travelers | $155 |
| Progressive | $176 |
| Geico | $189 |
| AAA | $201 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
State Farm offers the cheapest quotes for drivers who have an at-fault accident on their record. A full coverage policy from State Farm costs $109 per month after an accident, which is 52% cheaper than average.
The average cost of car insurance after an at-fault accident is $227 per month in Arizona.
Company | Monthly rate |
|---|---|
| State Farm | $109 |
| Travelers | $170 |
| Geico | $171 |
| Progressive | $189 |
| AAA | $267 |
*USAA is only available to current and former military members and their families.
Car insurance quotes go up by an average of 42% after an at-fault accident. That averages out to be $67 per month more than drivers with a clean record pay for insurance.
Cheapest car insurance quotes after a DUI: Progressive
Progressive has the cheapest rates for Arizona drivers with a DUI on their record. On average, a full coverage policy from State Farm costs $154 per month after a DUI. That's 40% cheaper than the Arizona average.
Company | Monthly rate |
|---|---|
| Progressive | $154 |
| Travelers | $172 |
| State Farm | $207 |
| AAA | $266 |
| Geico | $271 |
Arizonans with DUIs pay an average of 61% more for a full coverage policy than drivers with no prior incidents. Driving under the influence (DUI) causes car insurance rates to increase more than any other offense.
Cheapest car insurance for drivers with poor credit: Travelers
Travelers offers the cheapest car insurance quotes in Arizona for drivers with a low credit score. The average rate for full coverage from Travelers is $184 per month for these drivers. That's 58% less expensive than the state average, which is $440 per month.
Company | Monthly rate |
|---|---|
| Progressive | $212 |
| Geico | $226 |
| Farmers | $314 |
| Allstate | $328 |
| Trumbull | $388 |
*USAA is only available to current and former military members and their families.
Your credit score might not have anything to do with your ability to drive safely, but it does impact how much you'll pay for insurance. Arizona drivers with poor credit pay 176% more for insurance than drivers with good credit.
Cheapest car insurance quotes for young drivers in AZ: Travelers
Travelers has the most affordable minimum coverage insurance for 18-year-olds at $93 per month.
Young drivers can find the cheapest full coverage insurance from State Farm, where a policy costs around $289 per month.
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $93 | $298 |
| State Farm | $143 | $289 |
| The Hartford | $149 | $423 |
| Geico | $173 | $333 |
| AAA | $226 | $395 |
The cheapest way for young drivers to get coverage is by sharing a policy with your parents.
Young drivers pay much more for car insurance than older adults. An 18-year-old driver can expect to pay more than triple what a 30-year-old driver pays for minimum liability car insurance.
Cheapest car insurance for young drivers after a ticket: Travelers
Travelers has the cheapest car insurance quotes for teen drivers with a recent speeding ticket. At $108 per month, minimum coverage insurance from Travelers is 53% cheaper than the average cost in Arizona.
Teenage drivers with a speeding ticket can expect their car insurance rates to increase by $37 per month compared to those with a clean driving record.
Company | Monthly rate |
|---|---|
| State Farm | $208 |
| Geico | $216 |
| Trumbull | $271 |
| Allstate | $278 |
| AAA | $284 |
Cheapest car insurance for teen drivers after an accident: Travelers
Travelers offers the cheapest quotes for young drivers in Arizona who've recently been involved in an at-fault accident. On average, a minimum liability policy from Travelers costs $122 per month, which is 53% cheaper than the state average.
Young drivers can expect to pay around $259 per month for minimum coverage insurance after an accident. That's an average increase of $64 per month.
Company | Monthly rate |
|---|---|
| Travelers | $122 |
| State Farm | $170 |
| Geico | $179 |
| The Hartford | $262 |
| Allstate | $273 |
Cheapest car insurance for married drivers in Arizona: State Farm
State Farm has the cheapest quotes for married drivers at $94 per month for a full coverage policy. In Arizona, full coverage car insurance is $13 per month cheaper for married drivers than unmarried drivers.
Company | Monthly rate per car |
|---|---|
| State Farm | $94 |
| Progressive | $114 |
| Travelers | $124 |
| Geico | $151 |
| AAA | $154 |
Statistically, married drivers cause fewer accidents than single drivers. This results in cheaper rates from many insurance companies. Married drivers may be able to save even more by adding multiple drivers and multiple cars to the same car insurance policy.
Best car insurance companies in Arizona
State Farm has the best car insurance in Arizona for most drivers.
It earned excellent customer service scores from J.D. Power and our own ValuePenguin editors. State Farm also has the highest rank for financial strength.
Drivers with military connections can find excellent service from USAA, too. However, only military members, veterans and their families can buy car insurance from USAA.
Best car insurance in Arizona
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| AAA | 827 | A | |
| The Hartford | 837 | A- | |
| Geico | 835 | A++ |
Choosing a dependable insurance company is as important as finding the cheapest quotes.
A company with outstanding customer service can help you get your life back to normal quickly after an accident. On the other hand, poor customer service can result in a slow and frustrating experience if you have to file a claim.
Average car insurance cost in Arizona by city
Drivers in Desert Hills pay the cheapest car insurance rates in Arizona, while those living in Phoenix have the most expensive quotes.
It's not just how you drive that impacts your auto insurance rates but also where you live. Full coverage auto insurance quotes in Arizona fluctuate by $867 from city to city.
Auto insurance in Phoenix, the state's largest city, costs an average of $199 per month. People living in Desert Hills, a small unincorporated community north of Scottsdale, can expect to pay around $126 per month.
City | Monthly cost | % from average |
|---|---|---|
| Aguila | $174 | 9% |
| Ajo | $149 | -6% |
| Ak-Chin Village | $161 | 1% |
| Alpine | $139 | -13% |
| Amado | $142 | -11% |
Minimum auto insurance requirements in Arizona
Minimum coverage insurance in Arizona includes bodily injury liability coverage, which pays for the other driver's injuries, and property damage liability coverage, which pays for the other driver's repairs.
Drivers in Arizona must have an auto insurance policy that meets or exceeds the following limits:
Coverage | Minimum limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $15,000 per accident |
Frequently asked questions
Who has the cheapest auto insurance in Arizona?
Travelers has the cheapest minimum coverage insurance in Arizona at around $39 per month. Drivers shopping for full coverage insurance can find the best rates at State Farm, where a policy costs $94 per month, on average.
What is the average cost of car insurance in Arizona?
Minimum coverage car insurance costs $64 per month in Arizona, on average. The average cost of full coverage insurance in Arizona is $185 per month. However, every insurer offers different prices, and what you'll pay depends on your age, driving history, location and credit score.
What is AZ state minimum auto insurance?
Drivers in Arizona are required to have a car insurance policy with a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, in addition to $15,000 of property damage liability.
How much does car insurance cost in Phoenix vs. Tucson?
Methodology
We collected thousands of quotes from ZIP codes across Arizona for some of the largest insurers in the state. Our sample driver is a 30-year-old man with a 2015 Honda Civic EX who has good credit and a clean driving record, unless otherwise noted.
Full coverage auto insurance quotes are based on the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we referenced the minimum required limits in Arizona.
Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ.