How to Compare Car Insurance Quotes 2024
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Arizona (2024)

Published on:
Content was accurate at the time of publication.

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.

Find the Cheapest Car Insurance Quotes in Your Area

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

CompanyAnnual 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.

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

CompanyAnnual 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

CompanyMinimum 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.

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

CompanyAnnual 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

CompanyAnnual 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

CompanyAnnual 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

CompanyAnnual 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.

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

CityAnnual 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

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.

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.

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 800,000 car insurance quotes for sample drivers in every Arizona ZIP code. Your rates may vary.

Unless stated otherwise, our sample driver is a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.

Minimum liability policies provide liability coverage with the state’s required minimum limits.

Full coverage policies include the following limits and deductibles:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

*USAA is only available to current and former members of the military and their families.