Cheapest Car Insurance in Arizona (2024)
State Farm has the cheapest Arizona car insurance for most drivers. It charges an average of $55 a month for liability-only coverage and $125 a month for full coverage.
Travelers, Geico and Progressive also offer low car insurance rates to Arizona drivers.
Cheapest full-coverage car insurance in Arizona: State Farm
State Farm offers the cheapest full-coverage car insurance in Arizona. Its rates average $1,497 a year, or $125 a month, for drivers with a clean record and good credit.
USAA has the next-cheapest rates, $1,546 a month, or $129 a year. However, USAA is only available to current and former members of the military and their families.
Cheapest companies for full-coverage insurance
| Company | Annual rate |
|---|---|
| State Farm | $1,497 |
| Travelers | $1,971 |
| Geico | $2,081 |
| Progressive | $2,110 |
| Allstate | $3,426 |
| Farmers | $3,478 |
| AAA | $3,879 |
| The Hartford | $4,163 |
| USAA* | $1,546 |
Full-coverage car insurance includes collision and comprehensive (comp), which cover your vehicle for damage or theft. Although neither coverage is required by law, you usually need both for a car loan or lease.
The average price of full-coverage car insurance in Arizona is $2,683 a year, or $224 a month.
What you pay for car insurance depends on factors such as:
- Your driving record
- Your credit and insurance history
- Your age and ZIP code
- The type of vehicle you drive
Since each car insurance company weighs these factors differently, you may get a much cheaper rate with one company than you do with others. This is why it’s important to compare quotes from multiple companies when you shop.
Cheapest Arizona minimum-liability auto insurance: State Farm
State Farm has the cheapest minimum-liability auto insurance in Arizona. Its rates average $660 a year, or $55 a month.
State Farm’s rate is 39% less than Arizona’s average price of minimum-liability car insurance, which is $1,070 a year, or $90 a month.
Cheapest companies for minimum car insurance
| Company | Annual rate |
|---|---|
| State Farm | $660 |
| Travelers | $843 |
| Geico | $989 |
| Progressive | $998 |
| Farmers | $1,399 |
| AAA | $1,448 |
| Allstate | $1,474 |
| The Hartford | $1,561 |
| USAA* | $339 |
Minimum-liability auto insurance gives you enough insurance to drive legally in Arizona. However, it does not cover injuries you suffer in a car accident or damage to your vehicle.
Cheapest car insurance for young drivers in Arizona: State Farm and GEICO
State Farm offers the cheapest minimum-liability car insurance for young drivers in Arizona, but Geico has the cheapest full coverage for teens.
State Farm’s minimum-liability rates for 18-year-olds in Arizona average $2,273 a year, which is slightly less than Geico’s rate of $2,346 a year.
Geico charges 18-year-olds an average of $4,467 a year for full coverage, which is slightly less than State Farm’s rate of $4,634 a year.
Cheapest insurance companies for young drivers
| Company | Minimum liability (annual) | Full coverage (annual) |
|---|---|---|
| State Farm | $2,273 | $4,634 |
| Geico | $2,346 | $4,467 |
| Travelers | $2,455 | $5,311 |
| The Hartford | $3,830 | $11,930 |
| Progressive | $4,041 | $9,986 |
| Allstate | $4,177 | $9,722 |
| AAA | $4,435 | $9,407 |
| Farmers | $6,030 | $14,005 |
| USAA* | $1,110 | $4,434 |
The average cost of car insurance for 18-year-olds in Arizona is $3,411 a month for minimum liability and $8,311 a year for full coverage. Both amounts are more than triple the rate a typical 30-year-old pays.
Teens have higher crash rates than other age groups, and this is the main reason why they pay so much for car insurance.
Young drivers often get cheaper car insurance rates when they are added to a parent’s policy than they do on their own.
Cheapest rates after a speeding ticket in Arizona: State Farm
State Farm offers the cheapest car insurance to Arizona drivers with a speeding ticket. It charges these drivers an average rate of $1,598 a year, or $133 a month, for full coverage.
The next-best rates are available from Geico, $2,494 a year, and Travelers, $2,500 a year. Both companies’ rates average about $208 a month.
In Arizona, a speeding ticket raises the average price of car insurance by 32% to $2,683 a year.
Cheapest car insurance with a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,598 |
| Geico | $2,494 |
| Travelers | $2,500 |
| Progressive | $2,855 |
| Farmers | $4,792 |
| AAA | $4,883 |
| Allstate | $5,063 |
| The Hartford | $5,659 |
| USAA* | $1,978 |
Cheapest rates after an accident in Arizona: State Farm
State Farm has the cheapest car insurance rate for Arizona drivers with a prior accident. Its rates average $1,732 a year, or $144 a month for drivers with an at-fault accident.
The next-best rates come from Geico at $2,259 a year and Travelers at $2,764 a year.
Arizona drivers with a prior accident pay an average of $4,946 a year, or $329 a month, for car insurance. This is 47% higher than the average rate for drivers with a clean record.
Cheapest car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,732 |
| Geico | $2,259 |
| Travelers | $2,764 |
| Progressive | $3,239 |
| Allstate | $5,042 |
| Farmers | $5,152 |
| AAA | $6,521 |
| The Hartford | $6,576 |
| USAA* | $2,227 |
Cheapest for Arizona drivers with a DUI: Progressive
Progressive has the cheapest car insurance for Arizona drivers with a DUI. Its rates average $2,564 a year, or $214 a month.
State Farm offers the next-cheapest rates, $2,686 a year, and then Travelers, $2,905 a year.
In Arizona, a DUI raises the average price of car insurance by 61% to $4,307 a year, or $359 a month.
Cheapest car insurance after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $2,564 |
| State Farm | $2,686 |
| Travelers | $2,905 |
| Geico | $3,623 |
| Farmers | $4,644 |
| Allstate | $5,637 |
| The Hartford | $6,503 |
| AAA | $6,525 |
| USAA* | $3,672 |
Best rates for Arizona drivers with bad credit: Travelers
Travelers has the cheapest car insurance for drivers with bad credit in Arizona, $3,066 a year, or $256 a month.
The next-best rates are available from Geico, $3,126 a year, and Progressive, $3,373 a year.
Cheapest car insurance with bad credit
| Company | Annual rate |
|---|---|
| Travelers | $3,066 |
| Geico | $3,126 |
| Progressive | $3,373 |
| Allstate | $4,825 |
| Farmers | $5,401 |
| The Hartford | $7,763 |
| State Farm | $8,460 |
| USAA* | $3,238 |
Your payment history and the types and amounts of credit you use are among the factors that insurance companies use to set your rate. Fortunately, credit pulls for insurance quotes do not affect your credit score.
Arizona auto insurance rates by city
The average cost of auto insurance in Arizona ranges from $1,940 a year in Lake Havasu City to $3,242 in Phoenix for full coverage.
Insurance often costs more in larger cities, because these areas tend to have higher crash rates and more vehicle thefts than rural areas.
In Arizona, eight of the 10 most expensive cities for car insurance have at least 180,000 residents. The 12 cheapest cities for car insurance all have fewer than 100,000 inhabitants.
Average cost of car insurance in Arizona by city
| City | Annual rate |
|---|---|
| Avondale | $2,910 |
| Buckeye | $2,599 |
| Casa Grande | $2,405 |
| Casas Adobes | $2,502 |
| Catalina Foothills | $2,604 |
| Chandler | $2,755 |
| Flagstaff | $2,191 |
| Gilbert | $2,701 |
| Glendale | $3,174 |
| Goodyear | $2,590 |
| Lake Havasu City | $1,940 |
| Marana | $2,500 |
| Maricopa | $2,534 |
| Mesa | $2,779 |
| Oro Valley | $2,403 |
| Peoria | $2,819 |
| Phoenix | $3,242 |
| Prescott Valley | $2,192 |
| Queen Creek | $2,692 |
| San Tan Valley | $2,646 |
| Scottsdale | $2,748 |
| Surprise | $2,633 |
| Tempe | $2,875 |
| Tucson | $2,640 |
| Yuma | $2,268 |
Car insurance laws in Arizona
Arizona law requires you to have car insurance to register your vehicle and drive it on public roads.
The state also uses a computerized system to verify the insurance status of registered vehicles. Insurance companies report cancellations, lapses and new customers to the state’s Motor Vehicles Division.
If your policy expires without a new one in place, the state contacts you for proof of insurance. The penalties for driving without insurance include a suspension of your driver’s license and/or vehicle registration.
Arizona’s minimum car insurance requirements
The minimum car insurance coverages required in Arizona include:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $15,000
In Arizona, you are financially responsible for injuries and property damage you cause to others in a car accident.
If the amounts you owe exceed your liability limits, you may need to cover the shortfall. Since this can put your savings or future earnings at risk, it’s wise to choose limits that match or exceed your net worth.
You can buy these optional coverages for added protection:
- Collision: Pays to repair damage your car sustains in a collision with another vehicle or object, or if it overturns.
- Comprehensive: Covers your car for theft or damage from non-collision causes such as a fire, flood, falling object or vandalism.
- Uninsured/underinsured motorist: Covers you and your passengers for injuries in an accident caused by a driver without insurance.
- Medical payments: Covers injuries to you and your passengers, no matter who causes the accident.
Frequently asked questions
The average cost of car insurance for Arizona drivers with a clean record is $90 a month for minimum-liability coverage and $224 a month for full coverage.
State Farm has the cheapest car insurance for most drivers in Arizona. This includes drivers with a clean record and drivers with a prior ticket or accident. Progressive is cheapest for drivers with a DUI.
At minimum, your Arizona car insurance needs bodily injury liability limits of at least $25,000 per person and $50,000 per accident, plus $15,000 in property damage liability.