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Cheap Car Insurance Arizona: Full and Minimum Coverage

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  • Car insurance in Arizona averages $51 per month for minimum-coverage policies and $155 each month for full coverage.
  • USAA offers the lowest average prices in Arizona for minimum coverage, while GEICO offers the cheapest full coverage option.
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Arizona car insurance.

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USAA offers the cheapest car insurance for Arizona drivers on average, with a minimum coverage rate of $24 per month or $291 per year. You can typically find the second-cheapest coverage with Travelers, at $28 per month or $337 per year.

To find out which providers offer the best car insurance in Arizona, our Automoblog reviews team have looked at the industry reputations, coverage options, customer reviews, consumer studies, and cost data of 43 different companies. In this article, we’ll cover the cheapest providers’ average premium prices and explore where you find the strongest coverage in the Grand Canyon State.

Best Car Insurance Rates in Arizona

As an Arizonan driver, you can often get the cheapest auto insurance from USAA, Travelers, and Auto-Owners Insurance. Below, you’ll find average car insurance premiums for several different driving profiles. Here’s a quick look at some of them:

  • Cheapest full coverage: GEICO, followed by Travelers
  • Cheapest minimum coverage: USAA, followed by Travelers
  • Cheapest for teen drivers: GEICO, followed by Travelers
  • Cheapest for drivers with a traffic violation: Travelers, followed by USAA

While these companies are the cheapest on average, the cost data we received from Quadrant Information Services are for specific driving profiles. Your rates could vary significantly from the costs shown in the tables below.

Companies look at many different aspects of your background to determine your rates, so you should get personal quotes from multiple providers before making a decision on a company.

It’s also important to know that you can only qualify for USAA coverage if you’re an active military member, a veteran, or the spouse or child of one. If you can’t qualify for USAA coverage, consider the other companies listed in the tables below.

Our Research Tactics

To find the cheapest coverage options for motorists in the State of Arizona, our research team explored the cost data we got from Quadrant Information Services. The average auto insurance premiums you’ll see below are for different driver profiles, coverage types, and cities in the Grand Canyon State.

Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history. There are five key things we look at to determine a company’s overall rating out of 5.0 points:

  • Industry standing
  • Availability 
  • Coverage options
  • Customer experience
  • Affordability

Cheapest Car Insurance Companies in Arizona

Finding the most affordable coverage you can is important, but so is the quality of your car insurance. Below you’ll find our top picks for companies that offer a steady mix of great coverage at cheaper prices.

State Farm isn’t the cheapest company for Arizona auto insurance, but it does score incredibly high across other categories, like industry standing and customer experience.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$41$12512
Auto-Owners Insurance4.3$29$11412
The Hartford3.9$83$2417

Cheapest Car Insurance Coverage in Arizona

Getting the absolute cheapest coverage in Arizona means getting the minimum limits of liability coverage as required by the state. With this amount of coverage, if you get into a car accident, your car and your own injuries won’t be covered. If you’re at fault, liability insurance will take care of the injuries and property damages of other parties involved in the accident.

While a full-coverage auto insurance policy costs more money, it may save you from having to pay for hefty repair costs and medical bills completely out of pocket – if you ever do get into an accident.

Cheapest Minimum-Liability Car Insurance in Arizona

The average rate estimate for a minimum-coverage policy in Arizona is $51 per month or $612 per year. USAA tends to offer the cheapest minimum-liability policies with estimates of $24 per month or $291 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$41$492
The Hartford$83$1,002

Cheapest Full-Coverage Car Insurance in Arizona

In Arizona, the average rate for full-coverage auto insurance is $155 per month or $1,864 per year. Overall, GEICO offers the cheapest average estimates for full-coverage insurance at $92 per month or $1,109 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$125$1,498
The Hartford$241$2,893

Arizona Car Insurance Quotes by Driver Profile

If you’re a car owner in Arizona, there are many aspects about your profile that car insurance companies will consider to determine your rates.

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The biggest things they’ll look at are your:

  • Age 
  • Gender on driver’s license
  • Marital status
  • Driving history
  • Credit score
  • Homeowner status
  • ZIP code

Cheapest Car Insurance in Arizona: Age

Age is one of the biggest factors in setting the price of car insurance. Young drivers and especially teen drivers typically pay far more for auto coverage than those in other age groups. In the table below, you’ll find the average rate estimates for Arizona drivers of different ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Arizona: High-Risk Drivers

If you have multiple speeding tickets, at-fault accidents, DUIs, or other traffic violations on your driving record, you can expect your rates to rise significantly. These incidents signal to auto insurance companies that you’re more likely to get into an auto accident on the road, so you’d be more of a risk for them to insure.

How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Arizona and their average minimum-coverage rates for good drivers versus those marked as high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$41$46
The Hartford$83$126

Car Insurance Rates in Arizona: Speeding Ticket

For Arizona drivers, USAA tends to offer the cheapest car insurance after a speeding ticket with an average rate estimate of $31 per month or $367 per year. Travelers also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$44$532
Auto-Owners Insurance$61$735
The Hartford$113$1,355

Car Insurance Rates in Arizona: At-Fault Accident

Travelers generally offers the cheapest coverage for Arizona drivers with a recent accident, with an average rate estimate of $33 per month or $393 per year. USAA and Auto-Owners Insurance have relatively inexpensive coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
State Farm$49$585
The Hartford$136$1,635

Car Insurance Rates in Arizona: DUI

DUI drivers can expect some of the highest rates in the industry. For Arizona motorists with a DUI on their record, Travelers offers the cheapest average rates of $33 per month or $394 per year. State Farm and USAA also offer some of the more affordable premiums for these drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$44$532
The Hartford$128$1,533

Average Cost of Car Insurance in Arizona

The average cost of car insurance in Arizona comes out to $612 per year for minimum-liability insurance and $1,864 annually for full coverage. These rates are about 2% lower than the national average for minimum coverage but 2% lower than the national rate for full coverage.

Average Car Insurance Cost in Arizona by City

If you live in a location with more cars on the road, more severe weather patterns, or higher crime rates, you can expect higher rates than neighboring areas that have less of these issues. This is why insurance companies take a person’s ZIP code when setting their rates. The table below shows the average rates for car insurance in Arizona’s largest cities.

Cities in ArizonaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Casas Adobes$50$151
San Tan Valley$54$158
Lake Havasu City$39$123
Casa Grande$49$149
Catalina Foothills$53$158

Arizona Minimum Car Insurance Coverage

According to Arizona law, all drivers must either meet or exceed the following minimum coverage car insurance requirements:

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

As mentioned, liability insurance won’t be enough to cover you or your passengers injuries, or pay for repairs to your car under any condition. That’s why most auto insurers recommend adding these coverages to make your car insurance policy a full one:

  • Collision coverage: Covers your car’s damages after an accident or head-on collision with a stationary object.
  • Comprehensive coverage: Covers car theft and damages from vandalism, severe weather, natural disasters, and fallen objects.
  • Underinsured/uninsured motorist coverage: Covers your car repairs and medical bills if you’re the victim of a hit-and-run or get into an accident with a driver who has little to no auto insurance.
  • Personal injury protection: Covers your medical bills, funeral costs, and lost wages after a car accident. You can also opt for medical payments coverage, which is cheaper and also pays for your injuries – but doesn’t include lost wages.

Collision insurance and comprehensive coverage are optional add-ons that will cost more money, but if you don’t play on owning your car outright, chances are your lender will require these coverages anyway.

Cheap Car Insurance in Arizona: Conclusion

The cheapest car insurance in Arizona often comes from USAA, which has average rates of $24 per month. Compare auto insurance quotes to see if you could find cheaper coverage elsewhere. You can get a free quote by going online or contacting an insurance agent.

You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $92 per month from GEICO. More coverage generally means higher premiums, but also more financial protection and peace of mind.

Best Car Insurance in Arizona: Recommended Providers

USAA provides the cheapest car insurance in Arizona on average, but only military members and immediate family members can qualify for coverage, which leaves out a lot of car owners. Drivers looking for superb coverage and affordable rates should check out State Farm and Travelers.

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State Farm: 4.7 out of 5.0

State Farm has some of the highest customer satisfaction ratings in the industry, coming in the number one spot for Large Insurers in the J.D. Power 2022 U.S. Insurance Shopping Study?. State Farm offers a long list of savings opportunities, including two different usage-based insurance programs and a good student discount that can take up to 25% off premiums.

Read more: State Farm insurance reviews

Travelers: 4.5 out of 5.0

On top of nearly matching USAA in price for cheap Arizona car insurance, Travelers offers the most coverage options out of all our top providers, including loan/lease gap coverage, new car replacement coverage, and accident forgiveness. To minimize costs on all these great coverage add-ons, Travelers offers 16 different car insurance discounts.

Read more: Travelers insurance reviews

Cheapest Auto Insurance in Arizona: FAQ

Which company gives the cheapest car insurance?

Across the country, USAA and GEICO tend to offer the cheapest rates on average. For Arizona, USAA also offers the cheapest car insurance, at $28 per month or $291 per year for a minimum-coverage policy. The cheapest full-coverage Arizona car insurance policy can be found with GEICO at $92 per month.

How much is car insurance per month in Arizona?

The average cost of car insurance per month in Arizona is $51 for a minimum-coverage policy and $155 for full coverage. Our team found rates in Arizona as low as $24 per month for minimum coverage and $92 for a full-coverage policy.

How to reduce car insurance in Arizona?

To reduce car insurance in Arizona, you can:

1. Bundle your auto insurance with other policies, like homeowners or renters insurance
2. Increase your deductible
3. Opt for lower amounts of coverage
4. Look for special discounts at your company
5. Enroll in a usage-based insurance program (if your company offers one)

How much is car insurance on average in Arizona?

Car insurance in Arizona averages out to $612 per year for minimum coverage and $1,864 annually for full-coverage policies.

Is it illegal to drive without insurance in Arizona?

Yes, it’s illegal to drive without insurance in Arizona. If you’re caught driving without auto insurance, you could face license and registration suspension. To reinstate driving privileges after this, you may have to file for SR-22 insurance.

Is it cheaper to pay car insurance every six months or monthly?

If you pay car insurance every six months, it could be cheaper than paying monthly. Many car insurers offer ‘pay-in-full’ discounts for drivers that pay for their entire policy every six months or every year. However, a lot of insurance companies don’t offer this discount.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.