Key Takeaways
- Geico offers the most affordable full coverage at $1,466 per year and the cheapest minimum coverage at $518 per year.
- The annual average cost of full coverage in Arizona is $3,127 per year, around 17% higher than the national average of $2,681 based on our research.
- Minimum coverage costs about $956 per year on average in the Grand Canyon state, which is 10% more expensive than the national average of $869 per year.
We at the MarketWatch Guides team have researched the country’s best car insurance companies, and are prepared to find you the cheapest auto insurance options in Arizona. You’ll also find our top picks for car coverage and important information about auto insurance costs, rules and regulations in the Grand Canyon State.
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Which Company Has the Best Car Insurance Rates in Arizona?
Geico offers the cheapest car insurance rates on average in Arizona. Rates from the company are $518 per year for minimum liability policies and $1,466 per year for full-coverage plans.
Best Car Insurance Rates in Arizona
Rates for car insurance vary depending on many factors, so the best rates for you will depend on your unique situation. Below, we’ve broken down the lowest rates for each category of coverage.
| Cheapest Car Insurance in Arizona (by category) | Company | Average Monthly Premium |
|---|---|---|
| Minimum Liability Coverage | Geico | $43 |
| Full Coverage | Geico | $122 |
| Young Drivers | Geico | $389** |
| Seniors | Geico | $133*** |
| After a Speeding Ticket | Geico | $151* |
| After an Accident | Travelers | $196* |
| After a DUI | Travelers | $204* |
| Bad Credit | Geico | $190* |
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Cheapest Car Insurance Companies in Arizona
Through our research, we’ve found the five cheapest car insurance companies in Arizona:
- Geico
- Travelers
- Progressive
- USAA
- State Farm
Click on any of our top providers to learn more about their offerings. Below, we break down the cheapest large and midsize insurance companies in the Grand Canyon State.
Unless otherwise specified, our average rates are based on the profile of a 35-year-old driving a 2023 Toyota Camry, as it is representative of a large group of drivers unaffected by factors that raise rates.
Cheapest Large Insurance Companies in Arizona
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. Among the large car insurance companies, Geico, Travelers, Progressive, State Farm and USAA are the cheapest. You’ll find the lowest rates on average from these providers in Arizona.
| Top Companies for Car Insurance in Arizona | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | Cost Rating (Entire U.S.)* | Learn More |
|---|---|---|---|---|---|
GeicoLearn More | $518 | $1,466 | 12 | 9.5 | Learn More |
TravelersLearn More | $547 | $1,716 | 12 | 9.6 | Learn More |
ProgressiveLearn More | $940 | $2,240 | 9 | 8.9 | Learn More |
USAALearn More | $607 | $2,256 | 13 | 9.8 | Learn More |
State FarmLearn More | $959 | $2,883 | 16 | 8.8 | Learn More |
| Top Companies for Car Insurance in Arizona | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | Cost Rating (Entire U.S.)* | Learn More |
|---|---|---|---|---|---|
GeicoLearn More | $518 | $1,466 | 12 | 9.5 | Learn More |
TravelersLearn More | $547 | $1,716 | 12 | 9.6 | Learn More |
ProgressiveLearn More | $940 | $2,240 | 9 | 8.9 | Learn More |
USAALearn More | $607 | $2,256 | 13 | 9.8 | Learn More |
State FarmLearn More | $959 | $2,883 | 16 | 8.8 | Learn More |
Read more: Largest Car Insurance Companies
Cheapest Midsize Insurance Companies in Arizona
J.D. Power defines midsize insurers as those that have written between $1 billion and $4.499 billion in direct premiums for personal auto. For midsize car insurance companies in Arizona, we found that Auto-Owners, The Hartford and CSAA Insurance provide the cheapest rates. You can compare the average premiums and cost ratings for each company below.
| Top Companies for Car Insurance in Arizona | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | Cost Rating (Entire U.S.)* | Learn More |
|---|---|---|---|---|---|
Auto-OwnersLearn More | $722 | $2,798 | 12 | 9.3 | Learn More |
The Hartford Insurance Learn More | $922 | $2,682 | 9 | 7.2 | Learn More |
AAA Insurance Learn More | $1,418 | $6,425 | 18 | 7.5 | Learn More |
| Top Companies for Car Insurance in Arizona | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | Cost Rating (Entire U.S.)* | Learn More |
|---|---|---|---|---|---|
Auto-OwnersLearn More | $722 | $2,798 | 12 | 9.3 | Learn More |
The Hartford Insurance Learn More | $922 | $2,682 | 9 | 7.2 | Learn More |
AAA Insurance Learn More | $1,418 | $6,425 | 18 | 7.5 | Learn More |
Cheapest Car Insurance Coverage in Arizona
The coverage level you choose has a major impact on how much you will pay for car insurance. Many quotes from providers include estimates for minimum liability and full-coverage car insurance.
Below are the cheapest auto insurance options in Arizona for both coverage types.
Cheapest Liability Insurance Arizona
The cheapest minimum liability auto insurance policy for Arizona drivers costs $43 per month through Geico. On Average, Arizona drivers pay around $105 per month for minimum coverage, but each of the providers in the list below is considerably cheaper.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $43 | $518 |
| Travelers | $46 | $547 |
| USAA* | $51 | $607 |
| Progressive | $78 | $940 |
| Iowa Farm Bureau | $76 | $912 |
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Read more: Cheapest Liability-Only Car Insurance
Cheapest Full-Coverage Insurance Arizona
Geico tends to offer the cheapest full-coverage car insurance policy in Arizona, at an average cost of $122 per month. Compare this against the statewide average of $261 per month for full-coverage car insurance in Arizona.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $122 | $1,466 |
| Travelers | $143 | $1,716 |
| Progressive | $187 | $2,240 |
| USAA* | $188 | $2,256 |
| Iowa Farm Bureau | $220 | $2,637 |
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Read more: Cheapest Full-Coverage Car Insurance
Arizona Car Insurance Cost by Age
Below, you can compare average rates for drivers between the ages of 16 to 75 in the state:
| Age | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| 16 | $596 | $7,153 |
| 17 | $656 | $7,872 |
| 18 | $627 | $7,526 |
| 19 | $561 | $6,738 |
| 21 | $422 | $5,069 |
| 25 | $304 | $3,654 |
| 35 | $261 | $3,127 |
| 45 | $254 | $3,046 |
| 55 | $234 | $2,803 |
| 65 | $242 | $2,907 |
| 75 | $287 | $3,444 |
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Cheapest Car Insurance for Young Drivers in Arizona
Young drivers often pay much more for car insurance than adults, according to our rate data. The series of tables below shows the cheapest full-coverage auto insurance for young drivers aged 16 through 25 in the Grand Canyon State along with estimated monthly and annual costs.
Read more: Best Car Insurance for Teens and Young Drivers
Cheapest Arizona Car Insurance for 16-Year-Olds
Geico typically offers the cheapest rates on average for 16-year-old drivers in Arizona at a cost of $389 per month. This is considerably lower than the Arizona average of $596 per month for drivers in this age group.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $389 | $4,664 |
| Travelers | $413 | $4,960 |
| State Farm | $640 | $7,684 |
| Allstate | $724 | $8,690 |
| Safeway Insurance | $753 | $9,038 |
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Keep reading: Best Cheap Car Insurance for 16-Year-Olds
Cheapest Arizona Car Insurance for 17-Year-Olds
Geico offers the cheapest car insurance rates for 17-year-old drivers in the Copper State at an average of $312 per month. That’s less than half the statewide average of $656 per month for drivers of this age.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $312 | $3,745 |
| Travelers | $384 | $4,610 |
| State Farm | $630 | $7,562 |
| Progressive | $698 | $8,380 |
| Allstate | $702 | $8,423 |
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Keep reading: Best Cheap Car Insurance for 17-Year-Olds
Cheapest Arizona Car Insurance for 18-Year-Olds
On average, 18-year-old drivers in Arizona pay an average rate of $627 per month for full-coverage car insurance. Geico tends to be the cheapest option for drivers of this age in Arizona at an average cost of $266 per month.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $266 | $3,195 |
| Travelers | $337 | $4,043 |
| State Farm | $586 | $7,030 |
| Progressive | $663 | $7,960 |
| Allstate | $673 | $8,073 |
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Keep reading: Best Cheap Car Insurance for 18-Year-Olds
Cheapest Arizona Car Insurance for 19-Year-Olds
Geico is the cheapest option for 19-year-old Arizona drivers at a rate of $221 per month. This rate is low compared to the Arizona average of $561 per month for drivers in this age group.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $221 | $2,657 |
| Travelers | $288 | $3,451 |
| Progressive | $431 | $5,172 |
| USAA* | $435 | $5,218 |
| Allstate | $479 | $5,746 |
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Keep reading: Best Cheap Car Insurance for 19-Year-Olds
Cheapest Arizona Car Insurance for 21-Year-Olds
In the Grand Canyon state, Geico offers the cheapest rates on average for 21-year-old drivers at $177 per month. Drivers around age 21 in Arizona pay less than younger drivers at around $422 per month on average.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $177 | $2,129 |
| Travelers | $217 | $2,602 |
| USAA* | $297 | $3,561 |
| Progressive | $313 | $3,753 |
| Allstate | $351 | $4,211 |
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Keep reading: Best Cheap Car Insurance for 21-Year-Olds
Cheapest Arizona Car Insurance for 25-Year-Olds
On average, Geico provides the cheapest car insurance estimates for 25-year-old drivers at a cost of $138 per month. In Arizona, 25-year-old drivers pay an average rate of $304 per month for full-coverage car insurance.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $138 | $1,652 |
| Travelers | $152 | $1,825 |
| Progressive | $209 | $2,513 |
| USAA* | $219 | $2,629 |
| Allstate | $295 | $3,545 |
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Keep reading: Best Cheap Car Insurance for 25-Year-Olds
Cheapest Car Insurance in Arizona for Seniors
Geico offers the cheapest car insurance in Arizona for seniors in the state with average annual rates of $3,176 for a full-coverage policy. The sections below will break down costs for car insurance in Arizona for 65 to 75-year-old drivers.
Read more: Best Car Insurance for Seniors
Cheapest Car Insurance in Arizona for 65-Year-Olds
Geico typically offers the most affordable full-coverage rates for drivers in their mid-60s, averaging $122 per month. Drivers around this age tend to have affordable insurance rates in Arizona at around $242 per month on average, though each provider below is even more affordable.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $122 | $1,470 |
| Travelers | $124 | $1,484 |
| Progressive | $160 | $1,915 |
| USAA* | $171 | $2,055 |
| The Hartford | $197 | $2,363 |
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Cheapest Car Insurance in Arizona for 75-Year-Olds
Geico, which costs an average of $143 per month for 75-year-old Arizona drivers, is the cheapest option in the state. This is about 50% cheaper than the statewide average of $287 for drivers in this age group.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $143 | $1,721 |
| Travelers | $146 | $1,753 |
| Progressive | $210 | $2,519 |
| USAA | $216 | $2,589 |
| The Hartford | $250 | $3,005 |
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Cheapest Car Insurance in Arizona for High-Risk Drivers
Geico provides the cheapest overall auto insurance rates on average for bad driving records, according to our research. While State Farm is the cheapest provider for Arizona drivers with a DUI, Geico will typically be the cheapest option for those with a history of tickets, accidents or poor credit. The sections below detail monthly and annual average full-coverage rates for drivers who fall into one of these categories.
Read more: Best High-Risk Auto Insurance
Cheapest Arizona Car Insurance for Drivers With a Speeding Ticket
Geico offers the most affordable rates for drivers in Arizona with a recent speeding ticket, at an average cost of $151 per month for a full-coverage policy. On average, Arizona drivers in this group pay around $327 per month for full coverage.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $151 | $1,811 |
| Travelers | $182 | $2,188 |
| USAA | $244 | $2,931 |
| Progressive | $246 | $2,955 |
| State Farm | $256 | $3,071 |
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Keep reading: Best Speeding Ticket Car Insurance
Cheapest Arizona Car Insurance for Drivers With a Recent Accident
If you’re found at fault for a car accident, the cheapest rates you’ll find in the Grand Canyon State are with Travelers, at an average of $196 per month. This is 47% cheaper than the Arizona average of $369 per month for drivers in this group.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Travelers | $196 | $2,356 |
| Geico | $202 | $2,429 |
| State Farm | $277 | $3,324 |
| USAA* | $282 | $3,388 |
| Progressive | $293 | $3,520 |
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Keep reading: What Is Accident Forgiveness Coverage?
Cheapest Arizona Car Insurance for Drivers With a DUI
Arizona drivers with a DUI on their record will find the cheapest average full-coverage rates through Travelers at a cost of $204 per month. That’s 47% cheaper than the statewide average of $385 per month for drivers in this group.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Travelers | $204 | $2,451 |
| Progressive | $221 | $2,650 |
| State Farm | $256 | $3,071 |
| Geico | $266 | $3,194 |
| The Hartford | $333 | $3,995 |
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Cheapest Arizona Car Insurance for Drivers With Poor Credit
For drivers in Arizona with recovering credit scores, Geico offers affordable full-coverage car insurance at around $190 per month on average. This is 69% below the statewide average of $618 per month for drivers with low credit scores.
| Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Geico | $190 | $2,278 |
| Travelers | $218 | $2,618 |
| Progressive | $302 | $3,630 |
| Allstate | $367 | $4,402 |
| USAA* | $372 | $4,466 |
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Read more: Car Insurance for Bad Credit
How to Get Cheap Car Insurance in Arizona
The best way to get cheap car insurance in Arizona is by comparing rates from multiple providers and looking for deals in your area. We recommend speaking with a local insurance agent to learn more about how to save on auto insurance.
Read more: How To Save Money on Car Insurance
Cheap Car Insurance Quotes in Arizona
When getting a car insurance quote from a provider, companies use a variety of factors to determine your rates.
The most significant factors that insurers use to determine car insurance costs in Arizona include:
- Your age
- Your location
- The gender listed on your driver’s license
- Your driving history
- Your credit score
- Your marital status
- The make, model, year and mileage of your vehicle
- The deductible you choose
Read more: Compare Car Insurance
Cheap Auto Insurance Quotes in Arizona by ZIP
Below, you can get personalized cheap auto insurance quotes for your specific location in Arizona.
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Car Insurance Discounts in Arizona
The table below compares auto insurance deals and discounts by top providers in the Grand Canyon state, which we’ll discuss in further detail below.
| Arizona Car Insurance Discounts | Geico | Travelers | Progressive | USAA | State Farm |
|---|---|---|---|---|---|
| Multi-policy | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multi-vehicle | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe driver | ✓ | ✓ | ✓ | ✓ | ✓ |
| Student | ✓ | ✓ | ✓ | ✓ | ✓ |
| Defensive driving | ✓ | ✓ | ✓ | ✓ | |
| Driver training | ✓ | ✓ | ✓ | ✓ | |
| New vehicle | ✓ | ✓ | ✓ | ||
| Car safety equipment | ✓ | ✓ | ✓ | ||
| Loyalty | ✓ | ✓ | ✓ | ✓ | |
| Military | ✓ | ✓ |
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Here are more details about the standard car insurance discounts and how to get them:
- Multi-policy: Put two or more insurance policies, like auto and homeowners, in a bundle with the same company.
- Multi-vehicle: Insure more than one car under the same policy or combine auto insurance policies.
- Military: You can save if you’re an active military member or veteran.
- Senior: Policyholders who are 55 and older can qualify for discounts.
- Homeowners: If you own a home, you can save.
- Good student: College and high school students under 25 years old who maintain a B average or above in their courses are eligible for this discount.
- Good driver: Drivers with a clean driving record (no at-fault accidents, DUIs or speeding tickets in the last three years) can save.
- Defensive driving: Those who take a defensive driving course qualify for this discount.
- Driver training: Take a driver education training course and receive a discount.
- New car: Drivers who purchase a new car, typically three model years or newer can save.
- Safe car: If your vehicle has safety features like anti-theft technology you can save.
- Paperless: Opt to receive your documents through email and you’ll get this discount.
- Pay-in-full: Pay your policy in full upfront and you may save.
Read more: Car Insurance Discounts
Best Cheap Car Insurance in Arizona
The cheapest car insurance companies in Arizona are Geico, Travelers, Progressive USAA and State Farm. Below, we go into more detail about each company’s offerings, reputation, customer ratings and history.
#1 Geico
Best for Budget-Conscious Drivers
9.3/10
Average monthly minimum-coverage cost: $43
Average monthly full-coverage cost: $122
Number of discounts: 12
Geico Overview
Geico is the best cheap insurance provider in Arizona. From 18-year-olds to 75-year-olds, Geico offers the cheapest rates for nearly every single type of driver in the state. In our nationwide review of the best auto insurance providers, the insurance titan garnered a score of 9.3 out of 10 for its industry standing, cost, coverage and discounts.
Geico Insurance Cost and Coverage In Arizona
Geico provides full-coverage car insurance at an average cost of $1,466 per year or $122 per month in Arizona. This is around 53% cheaper than the state average of $3,127 per year or $261 per month, based on our rate data.
The company offers all standard types of car insurance coverage. However, Geico also provides add-ons including emergency road service, rental reimbursem*nt and mechanical breakdown insurance (MBI).
Top Geico Insurance Discounts in Arizona
Below, we’ve compiled Geico’s car insurance discounts for Arizona residents:
- Emergency deployment discount: If you happen to be a part of an emergency deployment to an imminent danger zone, you’ll find yourself eligible for up to 25% off your premium.
- Good driver discount: If you’ve been accident-free for up to five years, you can save up to 22% on most coverage types.
- Daytime running lights discount: If daytime running lights are equipped on your vehicle as original equipment manufacturer (OEM) parts, you could earn 3% off certain coverages.
Keep reading: Geico Insurance Review
#2 Travelers
Best for Most Drivers
9.5/10
Average monthly minimum-coverage Cost: $46
Average monthly full-coverage cost: $143
Number of discounts: 12
Travelers Overview
While Travelers isn’t the cheapest option for any single driver or small group of drivers in Arizona, it’s still worth considering for its well-rounded coverage. There’s a reason our team named Travelers as the Best for Most Drivers. In fact, we rated the company 9.5 out of 10 in our nationwide review of car insurance providers due to Travelers’ outstanding coverage options and range of available discounts.
Travelers Insurance Cost and Coverage in Arizona
A full-coverage policy from Travelers costs around $1,716 per year or $143 per month on average in Arizona. According to our team’s research, this is around 53% cheaper than the state average.
Like most insurers, Travelers offers the standard types of car insurance. The company also offers several insurance products as add-ons, such as new car replacement, limited ridesharing coverage and accident forgiveness.
Top Travelers Insurance Discounts in Arizona
Below we’ve broken down the best Travelers insurance discounts for auto policies in Arizona:
- Student away at school discount: If one of your dependents goes to school over 100 miles away, you may be eligible for discounts.
- Hybrid/electric car insurance discount: If you own or lease a hybrid car, you can save on your insurance premium.
- Driver training discount: Drivers that have successfully completed a driver’s education course may be able to save.
Keep reading: Travelers Insurance Review
#3 Progressive
Best for Tech-Savvy Drivers
9.4/10
Average monthly minimum-coverage cost: $78
Average monthly full-coverage cost: $187
Number of discounts: 9
Progressive Overview
Progressive is a well-known auto insurance provider, and for good reason. Progressive scored a 9.4 rating out of 10 in our nationwide review of top auto insurance providers for its industry standing, nationwide availability, overall costs, available discounts and overall customer satisfaction.
We named it Best for Tech-Savvy Drivers because of its strong mobile app reviews, user-friendly website and online quote option.
Progressive Cost and Coverage in Arizona
Full coverage from Progressive costs about $2,240 per year or $187 per month on average. Based on our research, this means the company is 28% cheaper than the state average.
While Progressive does offer all of the standard coverage options, you can also get additional coverage like loan/lease payoff, trip interruption coverage, custom parts and equipment value (CPE) coverage and more.
Top Progressive Discounts in Arizona
Below is a list of Progressive discounts that are available for Arizona drivers:
- Snapshot discount: This telematics insurance program has saved drivers an average of $231 per year.
- Multi-car discount: If you have more than one vehicle, you can save.
- Sign online discount: If you sign your Progressive contract online, you can save.
Keep reading: Progressive Insurance Review
#4 USAA
Best for Military Members
9.3/10
Average monthly minimum-coverage cost: $51
Average monthly full-coverage cost: $188
Number of discounts: 13
USAA Overview
USAA is the best insurance provider for military members, veterans and their families, not only in Arizona, but across the United States. If you or the primary policyholder in your family is an active or retired military member in Arizona, USAA happens to be the cheapest provider in the state for minimum liability coverage. USAA holds a rating of 9.3 out of 10 overall from our review of the best insurance providers in the country.
USAA Insurance Cost and Coverage in Arizona
Full coverage from USAA in Arizona costs $2,256 on average, which is about 28% cheaper than the state average, per our data.
In addition to standard car insurance policies, USAA offers optional coverages, including extended benefits and rental reimbursem*nt.
Top USAA Insurance Discounts in Arizona
Below we provide a list of the top auto insurance discounts from USAA for Arizona drivers:
- Multi-vehicle discount: If you extend your coverage to two or more vehicles, you may be eligible for savings.
- Anti-theft device discount: You’re eligible for a lower car insurance premium if your car has an anti-theft device installed.
- MyUSAA Legacy discount: You can save up to 10% if you choose to get coverage through USAA just like your parents did.
Keep reading: USAA Insurance Review
#5 State Farm
Best For High-Risk Drivers
9.2/10
Average monthly minimum-coverage cost: $80
Average monthly full-coverage cost: $240
Number of discounts: 16
State Farm Overview
In Arizona, State Farm offers affordable rates for teen drivers as well as drivers with a recent accident or DUI. Combined with the company’s strong industry reputation and a high number of coverage discount opportunities, State Farm’s lower-than-average rates make it a great choice for many Arizona drivers with high-risk profiles. The company also offers rideshare insurance, protecting those who earn a living on the road.
State Farm Insurance Cost and Coverage in Arizona
Arizona drivers pay an average of $2,883 per year or $240 per month for full coverage from State Farm. While not as cheap as other providers on this list, State Farm’s rates are still cheaper than the Arizona average for similar coverage.
State Farm offers all of the standard liability and comprehensive coverages you’d find in minimum- and full-coverage policies. Optional coverages include rideshare coverage, rental car reimbursem*nt and emergency roadside assistance.
Top State Farm Insurance Discounts in Arizona
Arizona drivers interested in State Farm coverage can take advantage of some great discounts from the company, including:
- Steer Clear®: This program is designed to help drivers under age 25 learn and practice safe driving habits and is a great option for Arizona teens and college students looking for lower premiums.
- : Arizona drivers get a discount just for enrolling in this usage-based insurance program and may save up to an additional 30% with good driving.
- Driver training discount: If you’re under 21 and complete an approved Arizona driver education course, you can qualify for additional discounts on your insurance rates.
- Good student discount: If your teen or young adult driver is maintaining a ‘B’ average in high school or college you could save up to 25% on car insurance coverage
Keep reading: State Farm Insurance Review
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Average Car Insurance Cost Arizona
Drivers in the Grand Canyon state pay slightly higher rates for car insurance than other states. We found that the average estimated rate for full-coverage car insurance in Arizona is $3,127 per year or $261 per month, which is higher than the national average of $2,681 per year or $223 per month.
These rates and the rates below are based on the profile of a 35-year-old driver with a good credit score and a clean driving record.
Read more: Average Cost of Car Insurance
Arizona Auto Insurance Costs by City
Auto insurance rates vary by city to account for different risk factors in Arizona and across the country. Typically, drivers in urban areas like Phoenix pay higher rates than those in rural areas.
This table shows the average full-coverage rate estimates, according to our research, for several Arizona cities based on the profile of a 35-year-old driver with good credit and a clean driving record.
| City in Arizona | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Avondale | $257 | $3,084 |
| Buckeye | $238 | $2,855 |
| Casa Grande | $209 | $2,512 |
| Chandler | $236 | $2,829 |
| Gilbert | $234 | $2,813 |
| Glendale | $276 | $3,311 |
| Mesa | $247 | $2,962 |
| Peoria | $253 | $3,041 |
| Phoenix | $293 | $3,520 |
| Scottsdale | $251 | $3,013 |
| Surprise | $238 | $2,850 |
| Tempe | $250 | $2,997 |
| Tucson | $233 | $2,797 |
| Yuma | $198 | $2,370 |
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Arizona Car Insurance Rates vs. Other States
It’s typically a bit more expensive to get car insurance in Arizona than in other states. See each state’s average car insurance rates below.
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Alabama | $572 | $2,048 |
| Alaska | $506 | $2,116 |
| Arizona | $956 | $3,127 |
| Arkansas | $589 | $2,398 |
| California | $736 | $3,040 |
| Colorado | $750 | $3,010 |
| Connecticut | $1,179 | $2,699 |
| Delaware | $1,288 | $3,364 |
| Florida | $1,605 | $3,795 |
| Georgia | $1,256 | $2,907 |
| Hawaii | $455 | $1,581 |
| Idaho | $463 | $1,588 |
| Illinois | $823 | $3,054 |
| Indiana | $557 | $1,949 |
| Iowa | $456 | $1,994 |
| Kansas | $683 | $2,421 |
| Kentucky | $1,072 | $2,545 |
| Louisiana | $1,497 | $4,357 |
| Maine | $456 | $1,460 |
| Maryland | $1,261 | $2,943 |
| Massachusetts | $759 | $2,620 |
| Michigan | $1,299 | $4,067 |
| Minnesota | $752 | $2,463 |
| Mississippi | $563 | $2,140 |
| Missouri | $752 | $2,613 |
| Montana | $517 | $2,368 |
| Nebraska | $545 | $2,252 |
| Nevada | $1,665 | $3,870 |
| New Hampshire | $594 | $1,766 |
| New Jersey | $1,408 | $3,034 |
| New Mexico | $608 | $2,335 |
| New York | $2,221 | $4,112 |
| North Carolina | $815 | $2,271 |
| North Dakota | $490 | $2,029 |
| Ohio | $511 | $1,660 |
| Oklahoma | $710 | $3,256 |
| Oregon | $1,161 | $2,408 |
| Pennsylvania | $893 | $3,909 |
| Rhode Island | $1,084 | $2,921 |
| South Carolina | $959 | $2,519 |
| South Dakota | $443 | $2,590 |
| Tennessee | $707 | $2,237 |
| Texas | $960 | $3,156 |
| Utah | $968 | $2,451 |
| Vermont | $366 | $1,539 |
| Virginia | $726 | $2,070 |
| Washington | $661 | $2,110 |
| Washington, D.C. | $870 | $2,636 |
| West Virginia | $617 | $2,308 |
| Wisconsin | $561 | $2,003 |
| Wyoming | $303 | $1,794 |
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Read more: Car Insurance Rates by State
Arizona Car Insurance Requirements
All drivers in the Grand Canyon State are required by Arizona law to at least carry basic liability coverage for car insurance. To drive legally, drivers must maintain the following state minimum coverage limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
Liability car insurance covers other drivers and their passengers in the case of accidents you cause. Your car and medical bills aren’t covered if you get into an accident or run into a stationary object, though. If you want more extensive protection, consider adding the following to your auto policy:
- Collision coverage: This pays for damages to your car after an accident, regardless of fault.
- Comprehensive coverage: This pays for non-collision damage, like vandalism, flooding, hail or theft.
- Underinsured or uninsured motorist coverage: This protects you financially in case you get into an accident with someone who doesn’t have sufficient insurance coverage.
- Medical payments coverage (MedPay): This pays medical bills for you and your passengers.
- Personal injury protection (PIP): This pays medical bills, lost wages and funeral expenses for you and your passengers.
Arizona Commercial Auto Insurance Requirements
The state of Arizona requires commercial auto insurance for vehicles used in business, but requirements depend on how the vehicle is used.
For passenger vehicles, Arizona requirements are:
- 1 to 8 people: $250,000 combined single limit (CSL); $250,000 uninsured motorist
- 9 to 15 people: $750,000 CSL; $300,000 uninsured motorist
- 16 or more people: $5 million CSL; $300,000 uninsured motorist
For vehicles transporting non-hazardous materials, requirements are weight dependent:
- 20,001 to 26,000 pounds: $300,000 CSL
- More than 26,000 pounds: $750,000 CSL
For hazardous materials carriers, requirements are:
- $1 million to $5 million CSL, depending on the substance
Read more: Best Commercial Auto Insurance
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Is It Illegal To Drive Without Car Insurance in Arizona?
Driving without the minimum required insurance is illegal in the state of Arizona. Those caught driving without car insurance in Arizona can be charged with a civil violation and have their vehicle registration and driver’s license suspended.
To have your registration and license reinstated, you’ll need to pay fines and fees. You may also need to file future proof of insurance with the Arizona Motor Vehicle Department (MVD), usually an SR-22 certificate.
How To Get Car Insurance in Arizona
To get car insurance in Arizona, collect information about your vehicle and any drivers you want to insure and decide on the level of coverage you need.
When purchasing car insurance, keep in mind that your rate will depend on your situation and how each company weighs different factors. To ensure you get the best deal possible, compare car insurance quotes from multiple providers.
Read more: How To Get Car Insurance
Arizona Car Insurance: The Bottom Line
In this article, we reviewed the cheapest car insurance companies, plans and rates in the state of Arizona. We also looked at the average cost of auto insurance and the coverage requirements in the Grand Canyon State. Based on this research, Geico offers the cheapest car insurance in Arizona, followed by Travelers and Progressive.
Kick off your search for affordable car insurance in the Grand Canyon state with the tool below:
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Cheapest Car Insurance Arizona: FAQ
Below are some common frequently asked questions about cheap car insurance in Arizona:
Our rate estimates show that Arizona drivers pay an average of $261 per month for full car insurance coverage. This estimate is based on a 35-year-old driver with a good credit score and clean driving record.
The average annual cost of full-coverage car insurance in Arizona is $3,127. However, your auto insurance policy cost will depend on your circ*mstances and your vehicle. Insurance providers typically look at your age, gender, marital status, driving record and credit score.
Arizona’s minimum required coverage limits are $25,000 per person and $50,000 per accident for bodily injury coverage and $15,000 per accident for property damage coverage.
Arizona car insurance can be expensive because nearly 12% of drivers in the state are uninsured, according to the Insurance Research Council (IRC). When large numbers of drivers don’t have coverage, car insurance rates go up due to increased risk on the road.
Full coverage car insurance in Arizona is generally considered to be a combination of liability car insurance, collision insurance and comprehensive insurance. In Arizona, drivers must hold at least $25,000 per person and $50,000 per accident in bodily injury coverage and a minimum of $15,000 for property damage coverage.
How We Chose the Cheapest Car Insurance in Arizona
Our comprehensive rating system utilizes the latest 2024 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Arizona, we’ve averaged rates from the top 12 providers across 40 Arizona ZIP codes. Unless otherwise specified, our base driver profiles for Arizona insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Arizona drivers of multiple ages and those with a history of accidents, speeding tickets or DUIs, as well as drivers with poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Arizona, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
In this article, providers are sorted by cheapest average costs in Arizona and selected for recommendation based on our national ratings. When rating providers nationally or in Arizona we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
