Guide To The Cheapest Car Insurance In Arizona (2022)

If you’re struggling to find affordable car insurance in Arizona, you’ve come to the right place. After extensive research into the nation’s best car insurance companies, we’ve determined the five best and cheapest auto insurance providers for drivers across the Grand Canyon State.

Our evaluations were based on customer satisfaction ratings, average rates, and types of coverage. The easiest way to discover the best rates possible is by comparing quotes from multiple leading providers of car insurance in Arizona.

According to our rate estimates, Geico stands out as the cheapest provider of car insurance in Arizona, with an average cost of $1,099 per year. This falls 34 percent below than the statewide average of $1,658 per year.

How Much Is Car Insurance In Arizona?

The average cost of car insurance in Arizona is $1,658 per year according to our rate estimates, which is slightly less than the national average of $1,734 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: Speeding Tickets

Geico, USAA, State Farm, and Progressive offer some of the cheapest car insurance rates to drivers with recent speeding tickets on their record.

Cheapest Car Insurance In Arizona: Recent Accidents

Drivers with a recent accident on their record can expect insurance costs to increase tremendously. Geico tends to be a cheap option in Arizona, with an estimated cost of $1,739 per year.

Cheapest Car Insurance In 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, Farmers, and Travelers emerged as the best choices for car insurance in Arizona.

*Our research team scores car insurance companies by taking into account nationwide factors. The order of insurers in this table is specific to Arizona car insurance.

#1 Geico: Best Overall Provider

Geico is the top provider overall for car insurance in Arizona due to its strong industry standing, affordable rates, and wide variety of coverage options. Our cost research shows that Geico consistently has the Grand Canyon State’s cheapest auto insurance rates. The company offers various ways to save, such as the following:

• Good driver discount
• Good student discount
• Multi-vehicle discounts
• Defensive driving discount
• Military and federal employee discounts

To learn more about this auto insurance provider, read our Geico insurance review.

#2 USAA: Best For Military Members

As one of the nation’s largest car insurance providers, USAA provides affordable car insurance in Arizona to military members, their families, and veterans. In our review, USAA earned 5.0 out of 5.0 stars for its exceptional customer service and reasonable rates. With every USAA auto policy, drivers can choose to add the following coverages:

• Rental car reimbursement
• Accident forgiveness
• Roadside assistance
• Guaranteed asset protection (gap insurance)
• Vehicle replacement assistance
• Glass repair coverage

To learn more about this provider, read our USAA insurance review.

#3 Progressive: Best Usage-Based Insurance

Progressive is a top choice for Arizona drivers who want a usage-based insurance plan. The Snapshot^® program monitors driving habits through an app and offers potential savings of over $100 per year. Progressive also offers several auto coverage add-ons such as:

• Rental car reimbursement
• Rideshare coverage
• Roadside assistance
• Custom parts coverage

You can find out more about the insurer’s coverage types in our Progressive insurance review.

#4 Farmers

Farmers is one of the industry’s most recognized insurance companies and has a nationwide network of 48,000 agents. The provider offers a wide range of coverage options and benefits for car insurance in Arizona, such as:

• New car replacement coverage
• Customized equipment coverage
• Accident forgiveness
• Roadside assistance and towing
• Rideshare coverage

#5 Travelers

Travelers maintains an A++ financial strength rating from AM Best, showing that it can easily pay out claims to drivers. Other than auto coverage, Travelers offers a variety of insurance products, and even gives a multi-policy discount for bundling car insurance plans with:

• Homeowners insurance
• Renters insurance
• Condo insurance
• Boat insurance
• Umbrella insurance

Read our Travelers insurance review to find out more about the company’s offerings.

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

Standard liability insurance doesn’t cover your car repairs or medical bills in at-fault accidents, instead providing coverage for other drivers. While basic coverage meets state requirements, it’s smart to consider full coverage car insurance.

With most full coverage car insurance policies, you’ll receive the following:

• Collision coverage
• Comprehensive coverage
• Personal injury protection (PIP)
• Medical payments (MedPay)
• Uninsured motorist and underinsured motorist coverage (UM/UIM)

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.