Cheapest Car Insurance in Arizona (2025)
Best cheap car insurance in Arizona
Cheapest full-coverage car insurance in Arizona: State Farm
USAA comes in second, with an average full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. rate of $1,744 a year — however, only members of the military and their families can buy from USAA.
Full-coverage car insurance rates by company
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,652 |  |
 | Travelers | $1,971 | |
 | Progressive | $2,025 |  |
 | American Family | $2,287 | |
 | Geico | $2,711 |  |
 | The Hartford | $3,186 |  |
 | Allstate | $3,866 |  |
 | Farmers | $4,118 | |
 | USAA* | $1,744 | |
Best cheap liability car insurance quotes in Arizona: State Farm
Travelers has the next-cheapest liability insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. rates for most drivers at $843 a year.
State Farm has a better customer satisfaction score from J.D. Power, but Travelers offers some discounts that State Farm doesn’t. With Travelers, you can get car insurance discounts for owning a home (even if you insure it somewhere else), or for insuring a new, hybrid or electric vehicle.
Cheapest liability-only car insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $711 |
| Travelers | $843 |
| Progressive | $935 |
| American Family | $955 |
| Geico | $1,227 |
| The Hartford | $1,229 |
| Farmers | $1,629 |
| Allstate | $1,734 |
| USAA* | $584 |
Cheapest auto insurance for young drivers in Arizona: State Farm
Most Arizonans can get the cheapest car insurance for young drivers from State Farm.
Travelers has the second-cheapest rates for most of Arizona’s young drivers. It charges $5,311 a year for full coverage and $2,455 a year for liability coverage, on average.
The average cost of car insurance for young drivers in Arizona is $8,288 a year for full coverage and $3,589 a year for liability coverage.
Best car insurance companies for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $2,448 | $5,012 |
| Travelers | $2,455 | $5,311 |
| The Hartford | $2,991 | $9,080 |
| Geico | $3,045 | $5,935 |
| Progressive | $3,690 | $9,349 |
| American Family | $3,940 | $7,651 |
| Allstate | $4,914 | $10,936 |
| Farmers | $7,169 | $16,925 |
| USAA* | $1,652 | $4,390 |
Arizona’s cheapest car insurance after a speeding ticket: State Farm
Travelers’ discounts could make up some of the difference with State Farm, so get quotes from both companies to see which will give you the best deal.
The average driver in Arizona sees their car insurance go up 33% after a speeding ticket. But if you have a policy from State Farm, you should only see your rate increase around 6%.
Cheapest insurance quotes with a speeding ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,759 |
| Travelers | $2,500 |
| Progressive | $2,719 |
| American Family | $2,771 |
| Geico | $3,635 |
| The Hartford | $4,254 |
| Farmers | $5,671 |
| Allstate | $5,721 |
| USAA* | $2,253 |
Cheap car insurance companies after an accident in Arizona: State Farm
State Farm’s rate is less than half the the state average rate after an accident ($3,765 a year).
In Arizona, an accident raises your car insurance rate by about 44%.
Cheapest car insurance quotes with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,652 |
| Travelers | $2,764 |
| Geico | $2,956 |
| Progressive | $3,078 |
| American Family | $4,111 |
| The Hartford | $4,945 |
| Allstate | $5,712 |
| Farmers | $6,094 |
| USAA* | $2,573 |
Cheapest insurance for Arizona teens with a bad driving record: State Farm
State Farm has the cheapest car insurance quotes for Arizona teens with a bad driving record.
Best insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $2,645 | $2,448 |
| Travelers | $3,081 | $3,513 |
| Progressive | $3,845 | $3,921 |
| Geico | $3,986 | $3,158 |
| The Hartford | $4,132 | $5,301 |
| American Family | $4,389 | $6,216 |
| Allstate | $5,651 | $5,832 |
| Farmers | $8,874 | $9,567 |
| USAA* | $2,667 | $2,921 |
These average rates are far below the state averages in both cases. The average cost of teen car insurance with a ticket in Arizona is $4,363 a year, while it’s $4,764 a year with an accident on your record.
A great way to save money on car insurance as a young driver is to compare car insurance quotes from at least three companies before you buy or renew a policy.
Best cheap auto insurance for Arizona drivers with a DUI: Progressive
Travelers is the second-cheapest company if you have a DUI on your record, with quotes that average $2,905 a year.
A DUI (driving under the influence) conviction causes your car insurance to go up an average of 60% in Arizona.
Cheapest car insurance after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $2,445 |
| Travelers | $2,905 |
| State Farm | $3,172 |
| American Family | $4,268 |
| Geico | $4,789 |
| The Hartford | $4,882 |
| Farmers | $5,495 |
| Allstate | $6,379 |
| USAA* | $3,432 |
Arizona’s cheapest car insurance for bad credit: Travelers
Progressive is close behind at $3,231 a year. American Family is third at $3,423 a year.
To get cheap car insurance with bad credit, shop around and compare quotes from several companies. Not all car insurance companies react to bad credit in the same way. Some will charge you a lot more because of your bad credit, but others won’t.
Cheapest insurance companies with poor credit
| Company | Annual rate |
|---|---|
| Travelers | $3,066 |
| Progressive | $3,231 |
| American Family | $3,423 |
| Geico | $4,125 |
| Allstate | $5,445 |
| The Hartford | $5,959 |
| Farmers | $6,758 |
| State Farm | $9,126 |
| USAA* | $3,495 |
Best car insurance companies in Arizona
- Low rates
- Discount options
- Website that lets you get quotes, pay bills and file claims online
- Good customer service ratings
- Strong financial strength rating
Arizona car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| The Hartford | 642 | A+ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Arizona insurance rates by city
The average cost of car insurance in the rest of Arizona’s biggest cities and suburbs:
- Tucson, $2,502 a year
- Mesa, $2,634 a year
- Chandler, $2,583 a year
- Gilbert, $2,561 a year
- Scottsdale, $2,593 a year
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Aguila | $2,506 | 13% |
| Ajo | $2,184 | -1% |
| Ak-Chin Village | $2,406 | 9% |
| Alpine | $2,025 | -8% |
| Amado | $2,043 | -8% |
| Anthem | $2,631 | 19% |
| Apache Junction | $2,468 | 12% |
| Arizona City | $2,310 | 5% |
| Arizona Village | $1,974 | -11% |
| Arlington | $2,458 | 11% |
| Avenue B and C | $2,149 | -3% |
| Avondale | $2,778 | 26% |
| Avra Valley | $2,349 | 6% |
| Bagdad | $1,999 | -10% |
| Bapchule | $2,377 | 8% |
| Bellemont | $2,067 | -6% |
| Benson | $2,063 | -7% |
| Bisbee | $1,983 | -10% |
| Black Canyon City | $2,342 | 6% |
| Blackwater | $2,366 | 7% |
| Blue | $2,041 | -8% |
| Blue Gap | $2,521 | 14% |
| Bluewater | $1,951 | -12% |
| Bouse | $1,959 | -11% |
| Buckeye | $2,487 | 13% |
| Bullhead City | $1,963 | -11% |
| Bylas | $2,038 | -8% |
| Cactus Flats | $1,934 | -12% |
| Cameron | $2,197 | -1% |
| Camp Verde | $2,129 | -4% |
| Carefree | $2,610 | 18% |
| Casa Grande | $2,267 | 3% |
| Casas Adobes | $2,391 | 8% |
| Cashion | $2,639 | 19% |
| Catalina | $2,201 | 0% |
| Catalina Foothills | $2,467 | 12% |
| Cave Creek | $2,656 | 20% |
| Central | $1,966 | -11% |
| Central Heights-Midland City | $2,135 | -3% |
| Chambers | $2,253 | 2% |
| Chandler | $2,583 | 17% |
| Chandler Heights | $2,441 | 10% |
| Chinle | $2,263 | 2% |
| Chino Valley | $2,051 | -7% |
| Chloride | $1,931 | -13% |
| Cibecue | $2,200 | 0% |
| Cibola | $2,033 | -8% |
| Cienega Springs | $1,958 | -11% |
| Citrus Park | $2,551 | 15% |
| Clarkdale | $2,054 | -7% |
| Clay Springs | $2,182 | -1% |
| Claypool | $2,157 | -2% |
| Clifton | $1,894 | -14% |
| Cochise | $1,969 | -11% |
| Colorado City | $2,140 | -3% |
| Concho | $2,101 | -5% |
| Congress | $2,212 | 0% |
| Coolidge | $2,348 | 6% |
| Cordes Lakes | $2,139 | -3% |
| Cornville | $2,071 | -6% |
| Corona De Tucson | $2,300 | 4% |
| Cortaro | $2,435 | 10% |
| Cottonwood | $2,010 | -9% |
| Crown King | $2,126 | -4% |
| Dateland | $2,272 | 3% |
| Desert Hills | $1,829 | -17% |
| Dewey | $2,060 | -7% |
| Dilkon | $2,087 | -6% |
| Dolan Springs | $1,909 | -14% |
| Doney Park | $2,043 | -8% |
| Donovan Estates | $2,147 | -3% |
| Douglas | $1,953 | -12% |
| Dragoon | $1,994 | -10% |
| Drexel Heights | $2,512 | 14% |
| Dudleyville | $2,174 | -2% |
| Duncan | $1,956 | -11% |
| Eagar | $2,099 | -5% |
| Eden | $1,992 | -10% |
| Ehrenberg | $2,194 | -1% |
| El Mirage | $2,681 | 21% |
| Elfrida | $1,908 | -14% |
| Elgin | $2,082 | -6% |
| Eloy | $2,240 | 1% |
| Flagstaff | $2,080 | -6% |
| Florence | $2,315 | 5% |
| Flowing Wells | $2,522 | 14% |
| Forest Lakes | $2,153 | -3% |
| Fort Apache | $2,172 | -2% |
| Fort Defiance | $2,190 | -1% |
| Fort Huachuca | $1,930 | -13% |
| Fort Mcdowell | $2,478 | 12% |
| Fort Mohave | $1,950 | -12% |
| Fort Thomas | $1,984 | -10% |
| Fort Valley | $2,067 | -6% |
| Fortuna Foothills | $2,018 | -9% |
| Fountain Hills | $2,393 | 8% |
| Fredonia | $2,020 | -9% |
| Gadsden | $2,193 | -1% |
| Ganado | $2,168 | -2% |
| Gila Bend | $2,434 | 10% |
| Gilbert | $2,561 | 16% |
| Glendale | $3,006 | 36% |
| Globe | $2,144 | -3% |
| Gold Canyon | $2,395 | 8% |
| Golden Valley | $1,978 | -10% |
| Goodyear | $2,427 | 10% |
| Grand Canyon | $2,156 | -2% |
| Gray Mountain | $2,188 | -1% |
| Greasewood | $2,125 | -4% |
| Green Valley | $2,002 | -9% |
| Greer | $2,091 | -5% |
| Guadalupe | $2,710 | 23% |
| Hackberry | $1,987 | -10% |
| Happy Jack | $2,136 | -3% |
| Hayden | $2,223 | 1% |
| Heber | $2,122 | -4% |
| Hereford | $1,893 | -14% |
| Higley | $2,584 | 17% |
| Holbrook | $2,107 | -5% |
| Hotevilla | $2,233 | 1% |
| Houck | $2,260 | 2% |
| Huachuca City | $1,931 | -13% |
| Hualapai | $2,135 | -3% |
| Humboldt | $2,167 | -2% |
| Hunter Creek | $2,198 | -1% |
| Icehouse Canyon | $2,132 | -4% |
| Jerome | $2,116 | -4% |
| Joseph City | $2,216 | 0% |
| Kachina Village | $2,066 | -7% |
| Kaibeto | $2,210 | 0% |
| Kaka | $2,198 | -1% |
| Kayenta | $2,264 | 2% |
| Keams Canyon | $2,284 | 3% |
| Kearny | $2,140 | -3% |
| Kingman | $1,953 | -12% |
| Kirkland | $2,042 | -8% |
| Kykotsmovi Village | $2,257 | 2% |
| Lake Havasu City | $1,835 | -17% |
| Lake Montezuma | $2,318 | 5% |
| Lakeside | $2,120 | -4% |
| Laveen | $2,974 | 35% |
| Leupp | $2,167 | -2% |
| Linden | $2,136 | -3% |
| Litchfield Park | $2,561 | 16% |
| Littlefield | $1,990 | -10% |
| Low Mountain | $2,240 | 1% |
| Lower Santan Village | $2,397 | 8% |
| Lukachukai | $2,366 | 7% |
| Luke AFB | $2,679 | 21% |
| Lukeville | $2,330 | 5% |
| Lupton | $2,179 | -1% |
| Mammoth | $2,297 | 4% |
| Many Farms | $2,381 | 8% |
| Marana | $2,373 | 7% |
| Marble Canyon | $2,099 | -5% |
| Maricopa | $2,398 | 9% |
| Mayer | $2,129 | -4% |
| Mc Neal | $1,906 | -14% |
| McNary | $2,132 | -4% |
| Meadview | $1,945 | -12% |
| Mesa | $2,634 | 19% |
| Mescal | $2,087 | -6% |
| Miami | $2,156 | -2% |
| Moenkopi | $2,239 | 1% |
| Mohave Valley | $1,976 | -11% |
| Morenci | $1,875 | -15% |
| Mormon Lake | $2,100 | -5% |
| Morristown | $2,404 | 9% |
| Mount Lemmon | $2,362 | 7% |
| Mountainaire | $2,065 | -7% |
| Munds Park | $2,127 | -4% |
| Naco | $2,107 | -5% |
| Nazlini | $2,456 | 11% |
| New Kingman-Butler | $1,945 | -12% |
| New River | $2,617 | 18% |
| Nogales | $2,106 | -5% |
| North Rim | $2,166 | -2% |
| Nutrioso | $2,111 | -4% |
| Oatman | $1,984 | -10% |
| Oracle | $2,191 | -1% |
| Oro Valley | $2,297 | 4% |
| Overgaard | $2,160 | -2% |
| Page | $2,029 | -8% |
| Palo Verde | $2,510 | 14% |
| Paradise Valley | $2,627 | 19% |
| Parker | $1,967 | -11% |
| Parker Strip | $1,957 | -11% |
| Parks | $2,273 | 3% |
| Patagonia | $2,032 | -8% |
| Paulden | $2,045 | -7% |
| Payson | $2,193 | -1% |
| Peach Springs | $2,023 | -8% |
| Pearce | $1,936 | -12% |
| Peoria | $2,706 | 22% |
| Peridot | $2,234 | 1% |
| Petrified Forest National Park | $2,364 | 7% |
| Phoenix | $3,046 | 38% |
| Picacho | $2,342 | 6% |
| Picture Rocks | $2,397 | 8% |
| Pima | $1,926 | -13% |
| Pine | $2,109 | -5% |
| Pinedale | $2,308 | 4% |
| Pinetop | $2,053 | -7% |
| Pirtleville | $2,132 | -4% |
| Polacca | $2,209 | 0% |
| Pomerene | $2,064 | -7% |
| Portal | $1,911 | -14% |
| Poston | $2,185 | -1% |
| Prescott | $2,041 | -8% |
| Prescott Valley | $2,014 | -9% |
| Quartzsite | $1,960 | -11% |
| Queen Creek | $2,553 | 16% |
| Rainbow City | $2,165 | -2% |
| Red Rock | $2,311 | 5% |
| Red Valley | $2,268 | 3% |
| Rillito | $2,371 | 7% |
| Rimrock | $2,120 | -4% |
| Rincon Valley | $2,398 | 9% |
| Rio Rico | $2,130 | -4% |
| Rio Verde | $2,415 | 9% |
| Rock Point | $2,301 | 4% |
| Roll | $2,149 | -3% |
| Roosevelt | $2,184 | -1% |
| Round Rock | $2,288 | 4% |
| Sacaton | $2,388 | 8% |
| Saddlebrooke | $2,101 | -5% |
| Safford | $1,939 | -12% |
| Sahuarita | $2,105 | -5% |
| Salome | $2,184 | -1% |
| San Carlos | $2,202 | 0% |
| San Luis | $2,144 | -3% |
| San Manuel | $2,259 | 2% |
| San Simon | $1,911 | -14% |
| San Tan Valley | $2,525 | 14% |
| Sanders | $2,309 | 4% |
| Sasabe | $2,331 | 5% |
| Sawmill | $2,192 | -1% |
| Scottsdale | $2,593 | 17% |
| Second Mesa | $2,217 | 0% |
| Sedona | $2,103 | -5% |
| Seligman | $1,996 | -10% |
| Sells | $2,517 | 14% |
| Shonto | $2,261 | 2% |
| Show Low | $2,141 | -3% |
| Sierra Vista | $1,939 | -12% |
| Sierra Vista Southeast | $1,936 | -12% |
| Skull Valley | $2,055 | -7% |
| Snowflake | $2,147 | -3% |
| Solomon | $2,335 | 6% |
| Somerton | $2,157 | -2% |
| Sonoita | $2,127 | -4% |
| South Tucson | $2,533 | 15% |
| Springerville | $2,098 | -5% |
| St. David | $2,060 | -7% |
| St. Johns | $2,122 | -4% |
| St. Michaels | $2,193 | -1% |
| Stanfield | $2,295 | 4% |
| Strawberry | $2,109 | -5% |
| Summit | $2,503 | 13% |
| Sun City | $2,498 | 13% |
| Sun City West | $2,285 | 3% |
| Sun Lakes | $2,394 | 8% |
| Sun Valley | $2,314 | 5% |
| Supai | $2,153 | -3% |
| Superior | $2,365 | 7% |
| Surprise | $2,482 | 12% |
| Swift Trail Junction | $1,938 | -12% |
| Tacna | $2,354 | 7% |
| Tanque Verde | $2,391 | 8% |
| Taylor | $2,158 | -2% |
| Teec Nos Pos | $2,223 | 1% |
| Tempe | $2,713 | 23% |
| Temple Bar Marina | $2,039 | -8% |
| Thatcher | $1,899 | -14% |
| Tolleson | $2,960 | 34% |
| Tombstone | $1,924 | -13% |
| Tonalea | $2,217 | 0% |
| Tonopah | $2,484 | 12% |
| Tonto Basin | $2,188 | -1% |
| Topawa | $2,448 | 11% |
| Topock | $1,878 | -15% |
| Tortilla Flat | $2,503 | 13% |
| Tsaile | $2,317 | 5% |
| Tuba City | $2,236 | 1% |
| Tubac | $2,159 | -2% |
| Tucson | $2,502 | 13% |
| Tucson Estates | $2,528 | 14% |
| Tumacacori | $2,051 | -7% |
| Turkey Creek | $2,169 | -2% |
| Vail | $2,322 | 5% |
| Valencia West | $2,477 | 12% |
| Valentine | $2,090 | -5% |
| Valle Vista | $1,928 | -13% |
| Valley Farms | $2,351 | 6% |
| Verde Village | $2,014 | -9% |
| Vernon | $2,107 | -5% |
| Vicksburg | $2,177 | -1% |
| Waddell | $2,611 | 18% |
| Wall Lane | $2,080 | -6% |
| Wellton | $2,132 | -4% |
| Wenden | $2,158 | -2% |
| Whetstone | $1,931 | -13% |
| White Hills | $2,004 | -9% |
| White Mountain Lake | $2,137 | -3% |
| Whitecone | $2,343 | 6% |
| Whiteriver | $2,167 | -2% |
| Wickenburg | $2,248 | 2% |
| Wikieup | $1,940 | -12% |
| Willcox | $1,931 | -13% |
| Williams | $2,088 | -6% |
| Williamson | $2,014 | -9% |
| Willow Beach | $2,004 | -9% |
| Willow Valley | $1,969 | -11% |
| Window Rock | $2,185 | -1% |
| Winslow | $2,082 | -6% |
| Winslow West | $2,080 | -6% |
| Wittmann | $2,426 | 10% |
| Woodruff | $2,351 | 6% |
| Yarnell | $2,119 | -4% |
| Young | $2,167 | -2% |
| Youngtown | $2,653 | 20% |
| Yucca | $1,889 | -14% |
| Yuma | $2,134 | -3% |
Arizona car insurance requirements
- $25,000 of bodily injury liability coverage for one person (injured in an accident)
- $50,000 of bodily injury liability coverage for two or more people
- $15,000 of property damage liability coverage
Frequently asked questions
The average cost of full-coverage car insurance in Arizona is $2,618 a year. The average cost of liability-only car insurance is $1,094 a year.
Full-coverage car insurance costs $218 a month, on average, in Arizona. Liability car insurance costs $91 a month.
State Farm has the cheapest car insurance in Arizona for most driver and coverage types. State Farm’s average rate of $1,652 a year is the state’s cheapest for full-coverage policies. It also has the cheapest average liability-only rate of $711 a year.
These average rates are for a typical 30-year-old driver with a clean record. Adult drivers in Arizona with a ticket or accident on their records get the cheapest rates from State Farm, too, as do young drivers with clean or bad driving records.
Progressive has the cheapest car insurance for Arizona drivers with a DUI, while Travelers is the cheapest company for drivers with bad credit.