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Best Cheap Car Insurance In Arizona (2023)

Looking for cheap car insurance in Arizona? Keep reading to discover which providers offer cost-effective and quality auto insurance in the Grand Canyon State.

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09/14/2023 05:23 PM

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If you’re struggling to find affordable car insurance in Arizona, you’ve come to the right place. After extensive research into the nation’s best car insurance companies, we’ve determined the five best and cheapest auto insurance providers for drivers across the Grand Canyon State.

Our evaluations were based on customer satisfaction ratings, average rates, and the types of car insurance coverage offered by the providers. The easiest way to discover the best rates possible is by comparing quotes from multiple leading providers of car insurance in Arizona.

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Cheapest Car Insurance In Arizona

According to our rate estimates, Geico stands out as the cheapest provider of car insurance in Arizona, with an average cost of $1,071 per year. This falls roughly 39 percent below the statewide average of $1,754 per year.

Auto Insurance ProviderEstimated Annual Cost
Auto-Owners Insurance$1,212
State Farm$1,549
The Hartford$2,135

How Much Is Car Insurance In Arizona?

The average cost of car insurance in Arizona is $1,754 per year according to our rate estimates, which is slightly more than the national average of $1,730 per year.

Though the cost of car insurance in Arizona sits below the national average, rates across the state vary widely from from driver to driver due to various factors, such as:

  • Age: Young motorists, especially teen drivers, typically receive higher car insurance rates from the time they get their driver’s licenses until around the age of 25.
  • Gender: Gender affects the cost of auto insurance coverage in some states.
  • Vehicle type: Your vehicle’s year, make, model, mileage, and value can have an impact on the cost of your premium.
  • Driving record: Having speeding tickets, accidents, or DUIs in your recent past will cause rates for car insurance in Arizona to rise versus those with a clean driving record.
  • Credit score: Drivers with low credit scores can pay about twice as much for Arizona auto insurance as those with good credit scores.
  • Coverage level: Minimum liability coverage generally costs less, though it’s recommended to carry extra car insurance coverage as protection after a collision.

If you’re wondering exactly how much your auto coverage in Arizona could cost, be sure to compare car insurance rates from multiple providers. That way, you’ll be able to determine which provider best fits the exact needs of you and your vehicle.

Cheapest Car Insurance In Arizona: Young Drivers

New drivers in the Grand Canyon State tend to pay much more for car insurance. Our full coverage rate estimates show that young drivers find relatively affordable rates through Geico, Travelers, Progressive, USAA, and State Farm.

Cheapest Car Insurance In Arizona: 16-Year-Olds

The cheapest car insurance in Arizona for 16-year-olds comes at roughly $269 per month on average from Geico. Auto-Owners Insurance also offers affordable coverage at $294 per month.

Cheap Car Insurance In ArizonaAverage Monthly CostAverage Annual Cost
Geico$269 $3,222
Auto-Owners Insurance$294 $3,524
CSAA Insurance$353 $4,238
State Farm$411 $4,926
Travelers$454 $5,452

Cheapest Car Insurance In Arizona: 18-Year-Olds

In Arizona, the cheapest full-coverage car insurance for 18-year-olds comes from Geico at $179 per month. Auto-Owners Insurance is a good second choice at $236 per month.

Cheap Car Insurance In ArizonaAverage Monthly CostAverage Annual Cost
Geico$179 $2,151
Auto-Owners Insurance$236 $2,827
CSAA Insurance$304 $3,648
Travelers$315 $3,782
State Farm$316 $3,797

Cheapest Car Insurance In Arizona: 21-Year-Olds

Twenty-one-year-olds can find the cheapest coverage in Arizona at Geico, which has an average monthly cost of $115. Drivers this age can also find affordable coverage from Auto-Owners Insurance and USAA.

Cheap Car Insurance In ArizonaAverage Monthly CostAverage Annual Cost
Geico$115 $1,377
Auto-Owners Insurance$159 $1,905
USAA$173 $2,080
Progressive$189 $2,264
Travelers$197 $2,363

Cheapest Car Insurance In Arizona: 25-Year-Olds

Twenty-five-year-old drivers in Arizona can find the cheapest car insurance from Geico at around $94 per month and from Auto-Owners Insurance at around $124 per month.

Cheap Car Insurance In ArizonaAverage Monthly CostAverage Annual Cost
Geico$94 $1,123
Auto-Owners Insurance$124 $1,483
Progressive$128 $1,532
USAA$129 $1,549
Travelers$136 $1,630

Cheapest Arizona Car Insurance: High-Risk Drivers

Geico, USAA, State Farm, and Progressive offer some of the cheapest car insurance rates to drivers with recent speeding tickets on their record.

Cheapest Arizona Car Insurance: Speeding Ticket

Drivers who have gotten multiple speeding tickets in recent years can find relatively affordable full coverage from Geico at $117 per month and State Farm at $143 per month.

Cheapest Car Insurance In ArizonaAverage Monthly CostAverage Annual Cost
Geico$117 $1,406
State Farm$143 $1,717
USAA$148 $1,772
Progressive$155 $1,857
Travelers$157 $1,883

Cheapest Arizona Car Insurance: Recent Accidents

Car insurance rates are much higher than average for Arizona drivers who have been in a car accident. However, State Farm offers a fair full-coverage auto insurance policy at around $155 per month on average. Geico’s monthly $171 policy is also competitive.

Cheapest Car Insurance In Arizona Average Monthly Cost Average Annual Cost
State Farm $155 $1,858
Geico $171 $2,056
USAA $198 $2,378
Travelers $199 $2,387
Progressive $204 $2,442

Cheapest Arizona Car Insurance: DUIs

Drivers with DUI convictions often pay very high prices. In Arizona, DUI drivers can find affordable coverage with Progressive, at $137 per month. State Farm also provides relatively cheap coverage at $143 per month.

Cheapest Car Insurance In Arizona Average Monthly Cost Average Annual Cost
Progressive $137 $1,644
State Farm $143 $1,644
Travelers $177 $2,123
Geico $199 $2,391
Auto-Owners Insurance $219 $2,631

Cheapest Car Insurance Arizona: Bad Credit

Drivers with poor credit often pay hundreds more per year for car insurance in Arizona. We found that Geico is the state’s most affordable option, with a full-coverage annual cost estimate of $1,695.

Cheapest Car Insurance In Arizona Average Monthly Cost Average Annual Cost
Geico $141 $1,695
Progressive $175 $2,102
Travelers $204 $2,445
USAA $205 $2,458
American Family $223 $2,673

Top 5 Auto Insurance Companies In Arizona

Our team has reviewed the country’s top car insurance companies and ranked them based on factors such as cost, coverage, discounts, and customer satisfaction. Geico, USAA, Progressive, Auto-Owners Insurance, and Travelers emerged as the best choices for car insurance in Arizona.

Best Car Insurance in Arizona Overall Rating Cost Rating Coverage Rating
1. Geico 4.6 4.7 4.2
2. USAA 4.6 4.9 4.6
3. Progressive 4.3 4.4 4.4
4. Auto-Owners Insurance 4.4 4.5 4.3
5. Travelers 4.5 4.4 4.7

*Our research team scores car insurance companies by taking into account nationwide factors. The order of insurers in this table is specific to Arizona car insurance.

#1 Geico: Best For Discounts

Geico is the top provider overall for car insurance in Arizona due to its strong industry standing, affordable rates, and wide variety of coverage options. Our cost research shows that Geico consistently has the Grand Canyon State’s cheapest auto insurance rates. The company also offers various ways to save, such as the following:

  • Good driver discount
  • Good student discount
  • Multi-vehicle discount
  • Defensive driving discount
  • Military and federal employee discounts

Read moreGeico insurance review

#2 USAA: Best For Military Members

As one of the nation’s largest car insurance providers, USAA provides affordable car insurance in Arizona to military members, veterans, and their families. In our review, USAA earned 4.6 out of 5.0 stars for its exceptional customer service and reasonable rates. With every USAA auto policy, drivers can choose to add the following coverages:

  • Rental car reimbursement
  • Accident forgiveness
  • Roadside assistance
  • Vehicle replacement assistance
  • Glass repair coverage

Read more: USAA insurance review

#3 Progressive: Best Usage-Based Insurance

Progressive is a top choice for Arizona drivers who want a usage-based insurance plan. The Snapshot® program monitors driving habits through an app and offers potential savings of over $156 per year. Progressive also offers several auto coverage add-ons such as:

  • Rental car reimbursement
  • Rideshare coverage
  • Roadside assistance
  • Custom parts coverage

Read more: Progressive insurance review

#4 Auto-Owners Insurance

Auto-Owners Insurance also makes our list for the best car insurance providers for its record of affordable rates and its great coverage options. Auto-Owners offers many great car insurance discounts, including those for policyholders who opt for paperless billing, who pay their premiums on time for 36 months, and who bundle their auto insurance with other coverage options at the company. Along with standard car insurance, Auto-Owners offers:

  • Loan/lease gap coverage 
  • Roadside assistance
  • Rental car coverage
  • Diminished value coverage

#5 Travelers: Best Coverage Options

Travelers maintains an A++ financial strength rating from AM Best, showing that it can easily pay out claims to drivers. Other than auto coverage, Travelers offers a variety of insurance products, and even gives a multi-policy discount for bundling car insurance plans with:

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Boat insurance
  • Umbrella insurance

Read more: Travelers insurance review

Requirements For Car Insurance In Arizona

According to Arizona law, drivers must carry basic liability insurance and meet the following minimum coverage limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Standard liability car insurance doesn’t cover your car repairs or medical bills in at-fault accidents. It only provides coverage for other drivers that get involved in an accident you cause. While basic coverage meets state car insurance requirements, it’s smart to consider full-coverage car insurance.

With most full-coverage car insurance policies, you’ll receive the following:

How To Get Car Insurance In Arizona

There are plenty of excellent providers to choose from for cheap car insurance in Arizona, but keep in mind that your final auto insurance quote will depend on factors such as your location, vehicle, and driver profile.

If you want rates that are as low as possible, you could opt for basic liability coverage or choose a higher deductible to lower your monthly rates. Remember, though, that you’ll likely end up paying large amounts out of pocket if you cause an accident.

To find out exactly what you’d be charged for car insurance in Arizona, compare car insurance quotes from multiple leading providers to discover the best choice for your needs.

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Best Cheap Car Insurance In Arizona

Is car insurance cheaper in Arizona?

Car insurance is relatively cheap in Arizona, but the average cost for full-coverage car insurance still comes in at $1,754 per year, which is 1.3 percent higher than the national average of $1,730. Our rate estimates are for the profile of a 35-year-old driver with good credit and a clean driving history. Drivers who are younger or who have more speeding tickets or at-fault accidents on their record could likely see higher rates.

What is the average cost of car insurance in Arizona?

According to our rate estimates, the average cost of full-coverage car insurance in Arizona is $1,754 per year. Expect to pay a higher rate if you’re under the age of 25 or have any traffic violations on your driving record. You may also end up paying more for car insurance if you live in the state’s larger cities such as Phoenix and Tucson.

What is recommended for car insurance coverage in Arizona?

We at the Jalopnik Reviews team recommend a full-coverage car insurance policy for drivers in Arizona. This would include $50,000 of bodily injury liability per person, $100,000 bodily injury liability per accident, and $50,000 of property damage liability per accident. Full-coverage policies also include collision coverage, comprehensive coverage, uninsured motorist coverage and either personal injury protection or medical payments coverage.

Is it illegal to not have car insurance in Arizona?

Yes, it is illegal to not have car insurance in Arizona. The minimum coverage requirements in Arizona are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability. Motorists caught driving without car insurance in the Grand Canyon state can face severe penalties like fines up to $1,000, license and registration suspension, and SR-22 insurance.

Does AAA offer car insurance in Arizona?

AAA offers car insurance in Arizona under the name of CSAA Insurance Group. To get a quote, speak to an insurance agent in person or over the phone or request one online.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.