Best Cheap Car Insurance In Arizona (2023)

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.

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.

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.

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.

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.

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 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 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 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.

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.

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:

• Collision insurance
• Comprehensive insurance
• Personal injury protection (PIP)
• Medical payments (MedPay, as alternative to PIP)
• Underinsured/uninsured motorist coverage (UIM/UM)

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.

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.