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Arizona Cheapest Car Insurance & Best Coverage Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org team of licensed insurance agents found GEICO at $846 per year is the cheapest of all car insurance companies in Arizona for minimum liability insurance policies.

Progressive Insurance at $1,789 annually is the cheapest car insurance company in Arizona for full coverage policies.

Affordable Arizona Car Insurance Rates

Choosing the right car insurance company can help you improve your level of coverage while you stay within your budget.

Cheapest Car Insurance in Arizona - Key Takeaways
AutoInsureSavings.orgThe cheapest Arizona car insurance options are:

Cheapest for minimum coverage: GEICO
Cheapest for full coverage: Progressive
Cheapest after an at-fault accident: GEICO
Cheapest after a speeding ticket: State Farm
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: GEICO
For young drivers with a speeding violation: GEICO
For young drivers with an at-fault accident: Progressive

To help you save money and find the best deal on your car insurance premium in Arizona, we have compared the best rates from several top companies in the insurance industry for various types of drivers and age groups. 

Cheap car insurance in Arizona with USAA, GEICO, and Progressive compared with average rates.

Cheapest Car Insurance in Arizona for Minimum Coverage

Our agents found that GEICO offers the cheapest minimum coverage car insurance for Arizona drivers with a clean driving record at $846 annually, which is 25% less expensive than the average cost for minimum liability from other car insurance companies in Arizona at $1,220. 

USAA is the cheapest insurance option for former military and family members at $629 or a $52 monthly rate, which is 49% cheaper than the state average rates in Arizona. 

CompanyAverage annual rateMonthly Cost
USAA$629$52
GEICO$846$70
Progressive$887$74
Liberty Mutual$941$78
State Farm$975$81
Farmers$1,053$88
Allstate$1,160$96
The Hartford$1,458$121

*USAA is for qualified military members, their spouses, and direct family members. Car insurance rates may vary depending on the driver’s profile.

Arizona drivers’ can purchase minimum liability insurance requirements for less than $1,000 per year from several providers.

While GEICO and Progressive are the cheapest options for many drivers, we also found that Liberty Mutual and State Farm are two good insurance carriers to consider based on our research for drivers who want to save the most money. 

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Minimum property damage and bodily injury liability policies are cheaper car insurance premiums, which exclude comprehensive and collision coverage, but AutoInsureSavings.org licensed agents recommend buying full coverage insurance in Arizona since filing a claim with a minimum coverage car insurance policy, you could pay out-of-pocket expenses. 

Cheapest Full Coverage Car Insurance in Arizona

We found that Progressive offers cheap full coverage insurance for Arizona drivers with a $1,657 annual quote or 19% cheaper than the average rate. 

GEICO is the next best option at $1,754 per year or 14% less expensive than Arizona’s average $2,033 insurance rate. 

InsurerAnnual costMonthly cost
USAA$1,490$124
Progressive$1,657$138
GEICO$1,754$146
State Farm$1,966$163
Arizona average$2,033$169

*USAA is for qualified military personnel, their spouses, and direct family members. Rates may vary depending on driver profiles and zip codes.

The average driver in Arizona paying for full coverage insurance is $2,033 or $169 per month. Drivers can find cheaper auto policies by comparing top car insurance providers’ rates like those listed here.

Cheapest Car Insurance in Arizona with a Speeding Ticket

Our licensed agents found State Farm offers the cheapest auto insurance rates for Arizona drivers with a speeding violation at $2,267 per year or a $188 monthly rate. State Farm’s quote is 18% lower than the Arizona average of $2,751 per year. 

InsurerAnnual costMonthly cost
State Farm$2,267$188
Progressive$2,280$190
GEICO$2,365$197
Arizona average$2,751$229

Average rates increase by 27% after a moving violation in Arizona. Insurance companies use traffic tickets to assess risk; having one or more tickets on your driving record indicates you are riskier to the insurer than drivers with a clean driving history.

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According to the Arizona Department of Public Safety, if you receive eight or more points in twelve months, you are required to attend a defensive driving course, along with a 27% rate increase for car insurance premiums. And 12 points in 12 months, you may face a driver’s license suspension. 

Cheapest Car Insurance with a Car Accident in Arizona

GEICO offers the most affordable car insurance rates for drivers with a recent at-fault accident in Arizona, with annual premiums as low as $2,674. That is $561 less than the average (18%) amount drivers pay ($3,235) for coverage in Arizona.

InsurerAnnual costMonthly cost
GEICO$2,674$222
Progressive$2,781$231
American Family$2,943$245
Arizona average$3,235$269

Progressive and American Family are insurance companies that offer lower than average rates for many drivers in Arizona who have an accident on their record.

According to the Arizona Motor Vehicle Services (ADOT), a car accident will remain on your motor vehicle record for three years, along with an average insurance rate increase of 38%.  

Cheapest Car Insurance With a DUI in Arizona

Progressive offers the cheapest insurance rates for drivers with a DUI in their driver history at $2,916 per year. The average rate for drivers with a DUI in Arizona is $3,622, and Progressive offers rates 20% lower than other car insurance companies.

InsurerAnnual costMonthly cost
Progressive$2,916$243
GEICO$3,206$267
State Farm$3,346$278
Arizona average$3,622$301

Drivers with a DUI in Arizona can expect to see their insurance rates increase by as much as 44%. That is why it is essential to find a car insurance provider that offers the most affordable rates.

Cheapest Car Insurance for Drivers in Arizona with Poor Credit

GEICO offers the cheapest auto insurance rates for drivers who have a poor credit history in Arizona. GEICO’s rates are $1,956 per year for our sample 30-year-old male driver or 21% less per year. 

Progressive is another less expensive option with a $2,073 annual rate or 16% lower than the state’s $2,464 average rate.

InsurerAnnual costMonthly cost
GEICO$1,956$163
Progressive$2,073$172
Farmers$2,244$187
Arizona average$2,464$205

Those who have bad credit in Arizona may see that their insurance rates are higher than average. For most people, bad credit rates are 30 to 60% than those with good credit scores, according to Insurance Information Institute (III.org).

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Make sure to pay your bills and credit cards on time to save money on your Arizona auto insurance premium.  

Cheapest Car Insurance for Young Drivers in Arizona

GEICO offers the cheapest insurance rates for younger drivers in Arizona with good driving records, with an average premium of $3,673 per year for full coverage car insurance.

For less than average costs for minimum coverage, younger drivers should choose Safeco, which offered our licensed agents a $1,963 per year quote or 32% less per year than average rates. 

For young drivers’ state minimum coverage, GEICO offers cheap insurance rates at $1,980 per year or 31% less expensive than other car insurance companies in Arizona.

Auto InsurerFull coverageMinimum coverage
GEICO$3,673$1,980
USAA$4,137$1,941
Safeco$4,276$1,963
State Farm$4,751$2,355
Progressive$6,258$2,649
Farmers$6,548$3,164
Allstate$8,339$2,646
American Family$8,441$2,387
Average$7,454$2,850

*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Young or teen drivers needing coverage in Arizona can save more by comparing insurance costs like those shown above. Drivers who choose GEICO can save as much a 51% on their auto insurance premiums, which can be substantial savings for younger drivers and their parents.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

During our comparison shopping study, our agents found teen drivers needing coverage in Arizona with traffic violations on their driving record can get cheaper insurance rates with GEICO at $4,051 per year or $337 monthly rate, which is 38% less expensive than average rates. 

InsurerAnnual costMonthly cost
GEICO$4,051$337
Progressive$4,265$355
CSAA (AAA)$4,879$406
Arizona average$6,513$542

Cheapest Car Insurance for Young Drivers with a Car Accident

Young Arizona drivers with an at-fault car accident on their driving record can find the cheapest full coverage auto insurance quotes with Progressive, which provided us a quote at $4,526 per year or 35% lower than the average car insurance rates of a similar driver profile.

InsurerAnnual costMonthly cost
Progressive$4,526$377
GEICO$5,131$427
State Farm$5,907$492
Arizona average$6,867$572

Best Auto Insurance Companies in Arizona

Several great insurance companies to choose from coverage in Arizona based on their price, customer service and support, and coverage level.

ValuePenguin did a survey and found the overall best car insurance companies in Arizona are American Family and USAA, with high marks from current policyholders for claims satisfaction. If you are not eligible for USAA, the next best options are Progressive and State Farm based on customer service. 

Auto Insurer% respondents extremely satisfied with recent claim% who rated customer service as excellent
American Family86%50%
USAA78%62%
Progressive74%34%
State Farm73%46%
Allstate72%47%
Farmers71%38%
GEICO64%42%
The Hartford51%47%
CSAA (AAA)44%32%

AutoInsureSavings.org team of licensed insurance agents compared complaints by each insurance company using the National Association of Insurance Commissioners complaint index.

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Using the complaint index (best ratio of complaints to market share) from NAIC, the best car insurers are Farmers Insurance and Progressive. Both companies are below the national average of 1.00

InsurerNAIC Complaint Index J.D. Power Claims SatisfactionA.M. Best rating
Farmers0.19872A
Progressive0.36856A+
American Family0.44862A
Allstate0.63876A+
State Farm0.66881A++
CSAA (AAA)0.85862A
Liberty Mutual0.92870A
USAA0.98890A++
GEICO1.02871A++
Country Financial1.34870A

Using J.D. Power’s claims satisfaction survey and A.M. Best’s financial strength ratings, the best insurance providers are USAA and Allstate.  

Average Cost of Car Insurance by City in Arizona

Auto insurers use your zip code and many risk factors like your credit score, marital status, and past driving history to determine your Arizona car insurance costs. The average cost of insurance for Arizona drivers is $2,033 per year or $169 per month. During our comparison shopping study, we found the cheapest insurers by city. 

Cheapest Car Insurance in Phoenix, AZ

Phoenix drivers can shop around and find the cheapest auto insurance coverage from GEICO, which provided our agents a $1,711 rate per year for a full coverage auto policy. GEICO’s rate is 16% lower than average rates. 

Phoenix CompanyAverage Premium
GEICO$1,711
Progressive$1,765
State Farm$1,840
Phoenix average$2,016

Cheapest Auto Insurance in Tucson, AZ

Drivers living in Tucson with a clean driving history can find the least expensive insurance rate with Progressive at $1,779 per year for full coverage for our sample 30-year-old driver, 17% below average rates in Tucson, Arizona.  

Tucson CompanyAverage Premium
Progressive$1,779
GEICO$1,816
AAA$1,881
Tucson average$2,134

Cheapest Car Insurance in Mesa, AZ

We found the cheapest auto insurance quotes in Mesa come from GEICO or 23% lower than average rates with a $1,612 quote per year for full coverage with $500 deductibles of comprehensive and collision coverage.  

Mesa CompanyAverage Premium
GEICO$1,612
Progressive$1,680
Allstate$1,853
Mesa average$2,085

Cheapest Auto Insurance in Chandler, AZ

To find Chandler’s best coverage rates, our agents recommend Progressive Insurance with a quote at $1,716 for our sample 30-year-old driver. Progressive’s rate is 21% cheaper than Chandler’s average rates.

Chandler CompanyAverage Premium
Progressive$1,716
GEICO$1,820
Safeco$1,867
Chandler average$2,153

Cheapest Car Insurance in Scottsdale, AZ

In Scottsdale, drivers with clean records can get the cheapest auto insurance coverage with Progressive, who provided us a quote at $1,570 per year for our 30-year-old sample driver with a full coverage policy. 

Scottsdale CompanyAverage Premium
Progressive$1,570
GEICO$1,677
Allstate$1,790
Scottsdale average$2,011

Cheapest Auto Insurance in Glendale, AZ

Glendale residents needing the cheapest auto coverage for a car should get quotes from GEICO, who provided AutoInsureSavings.org agents a rate at $1,460 per year or 29% lower than average rates in Glendale, Arizona.  

Glendale CompanyAverage Premium
GEICO$1,460
Safeco$1,555
American Family$1,637
Glendale average$1,957

Cheapest Car Insurance in Gilbert, AZ

Gilbert, AZ cheapest auto insurance is with Progressive, who provided us a quote at $1,437 per year for a 30-year-old driver with full coverage. Progressive’s rate is 23% less expensive than the average Gilbert’s rate.

Gilbert CompanyAverage Premium
Progressive$1,437
GEICO$1,581
Country Financial$1,599
Glendale average$1,846

Average Cost of Insurance for All Cities in Arizona

CityAnnual Premium CostCityAnnual Premium Cost
Phoenix$2,016Three Points$1,499
Tucson$2,134Summit$1,417
Mesa$2,085Fort Defiance$1,480
Chandler$2,153San Carlos$1,474
Scottsdale$2,011Pinetop-Lakeside$1,438
Glendale$1,957Lake Montezuma$1,597
Gilbert$1,846Whiteriver$1,470
Tempe$1,636Clarkdale$1,481
Peoria$1,732Red Rock$1,526
Surprise$1,677Taylor$1,417
San Tan Valley$1,608Dewey$1,438
Yuma$1,647Carefree$1,504
Avondale$1,614Avenue B and C$1,516
Goodyear$1,600Quartzsite$1,576
Flagstaff$1,470Clifton$1,540
Sierra Vista$1,519Casa Blanca$1,414
Casas Adobes$1,483San Manuel$1,554
Buckeye$1,550Lake of the Woods$1,572
Casa Grande$1,594Oracle$1,511
Lake Havasu City$1,474Willcox$1,557
Catalina Foothills$1,540St. Johns$1,470
Maricopa$1,504Cornville$1,563
Marana$1,568Williams$1,438
Oro Valley$1,580Parker$1,552
Prescott Valley$1,589Superior$1,417
Sierra Vista$1,622Wellton$1,483
Queen Creek$1,516Kachina Village$1,526
Prescott$1,557Swift Trail Junction$1,568
Apache Junction$1,417Ajo$1,490
Bullhead City$1,470Black Canyon City$1,563
Sun City$1,552Linden$1,540
El Mirage$1,587Central Heights-Midland City$1,474
San Luis$1,417White Mountain Lake$1,483
Fortuna Foothills$1,627Heber-Overgaard$1,504
Sahuarita$1,588Mohave Valley$1,438
Kingman$1,628Desert Hills$1,526
Drexel Heights$1,595Sells$1,581
Florence$1,540Cordes Lakes$1,511
Sun City West$1,568Pima$1,703
Fountain Hills$1,563Window Rock$1,557
Anthem$1,608Whetstone$1,470
Green Valley$1,526Kearny$1,516
Nogales$1,483Grand Canyon Village$1,490
Rio Rico$1,611Dolan Springs$1,474
Eloy$1,438Valle Vista$1,417
Douglas$1,504Rio Verde$1,540
Somerton$1,563Cibecue$1,552
New River$1,711Miami$1,600
Sierra Vista Southeast$1,581Springerville$1,622
Flowing Wells$1,470Huachuca City$1,504
Tanque Verde$1,635First Mesa$1,640
Fort Mohave$1,540Mayer$1,602
Payson$1,417Gila Bend$1,526
Sun Lakes$1,483Cienega Springs$1,511
Paradise Valley$1,568Sacaton$1,438
New Kingman-Butler$1,490Second Mesa$1,474
Vail$1,557Pine$1,563
Verde Village$1,504Bagdad$1,540
Coolidge$1,616Scenic$1,552
Tucson Estates$1,511Bylas$1,417
Cottonwood$1,493Tonto Basin$1,613
Valencia West$1,622Peridot$1,470
Chino Valley$1,536North Fork$1,570
Gold Canyon$1,624Joseph City$1,581
Arizona City$1,526Blackwater$1,568
Camp Verde$1,516Kaibito$1,483
Show Low$1,552Mammoth$1,490
Saddlebrooke$1,540Congress$1,511
Sedona$1,563Canyon Day$1,557
Safford$1,438Star Valley$1,504
Picture Rocks$1,613Spring Valley$1,622
Winslow$1,470Morenci$1,540
Golden Valley$1,552Pirtleville
Tuba City$1,417LeChee$1,613
Corona de Tucson$1,474Mescal$1,490
Catalina$1,540Lukachukai$1,526
Page$1,602Parks$1,581
Wickenburg$1,557Wagon Wheel$1,417
Globe$1,568Pinetop Country Club$1,622
Tolleson$1,613Donovan Estates
Youngtown$1,483Salome$1,438
Guadalupe$1,552Tubac$1,611
Village of Oak Creek$1,504Cactus Flats$1,516
Avra Valley$1,511Centennial Park$1,470
Litchfield Park$1,563Tsaile$1,557
Snowflake$1,417Leupp$1,474
Cave Creek$1,540Beaver Dam$1,613
South Tucson$1,526Peach Springs$1,511
Kayenta$1,483Fort Valley$1,504
Citrus Park$1,490Moenkopi$1,581
Williamson$1,584Arivaca Junction$1,552
Rincon Valley$1,622Six Shooter Canyon$1,568
Bisbee$1,570St. David$1,540
Paulden$1,438Ak-Chin Village$1,563
Thatcher$1,557Meadview$1,616
Holbrook$1,470Tombstone$1,417
Doney Park$1,504Dilkon$1,559
Eagar$1,516Claypool$1,470
Chinle$1,546Ehrenberg$1,526
Benson$1,474St. Michaels$1,490
Colorado City$1,417Arizona Village$1,438

Minimum Requirements for Arizona Car Insurance

Arizona drivers must have a minimum amount of liability coverage in their auto insurance policies to follow state laws and financial responsibility in Arizona. Below are the minimum coverage limits. 

CoverageAZ minimum requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

AutoInsureSavings.org licensed agents recommend getting higher liability limits of bodily injury liability and property damage liability insurance to cover your assets in the event of an auto accident. 

Our agents recommend most motorists in Arizona carry collision and comprehensive coverage to protect their vehicle in an unforeseen car accident.

According to III.org, Arizona’s uninsured motorist rate is 12%, so we also recommend uninsured motorist coverage in auto policies to make sure people have the best financial protection for their motor vehicle and assets. Most drivers can add uninsured motorist coverage for less than $30 per year in Arizona. 

Frequently Asked Questions

Who has the Cheapest Auto Insurance in Arizona?

GEICO for minimum coverage. GEICO offers some of the best insurance industry rates, with an $846 annual rate for a 30-year-old driver in Arizona. Progressive at $887 per year and Liberty Mutual at $941 per year are the two other best options for all drivers needing minimum coverage in Arizona. The average cost of auto insurance in Arizona is $1,220 per year for state minimum coverage. 

Because insurance rates are based on various factors, it is best to compare multiple providers’ rates to determine who has the cheapest coverage in Arizona for you.

How Much is Car Insurance in Arizona per Month?

The average rate for car insurance in Arizona is $169 per month for a driver who is 30 years old and has full coverage. That is $2,033 annually. Here are some totals for the average monthly rate of car insurance for drivers in Arizona. USAA: $124 per month, Progressive: $138 per month, and GEICO: $146 per month.

How Much Is Full Coverage Car Insurance in Arizona?

The average cost of full coverage car insurance in Arizona is $2,033 annually or $169 per month. USAA’s best rate for full coverage is $1,490 per year or $124 per month for a 30-year-old male driver with a good driving record. Progressive’s rate is $1,657 per year, and GEICO’s rate is $1,754 per year, and both are below the state’s average. 

How do I Save on Auto Insurance in Arizona?

There are several things drivers in Arizona can do to save money on their car insurance costs. We suggest asking your insurance agent about any car insurance discounts you may be eligible for. If you are looking for a new provider, it is best to find one that offers plenty of discounts to help you save even more. Find out if you are eligible for telematics or usage-based insurance, such as GEICO’s DriveEasy, where you could save as much as 20% on your auto insurance premium at renewal. 

The car you drive also plays a significant role in your rates, driving history, and credit rating. Therefore, practicing safe driving habits, maintain good driving records, and keeping a close eye on your credit cards and report can lower your car insurance rates.

To help you find the right and affordable car insurance options in Arizona, get expert advice at AutoInsureSavings.org. The best way is to get started and enter your zip code. Our licensed professionals will help you find the best answer to any questions you have.

Methodology

AutoInsureSavings.org collects hundreds of quotes in Arizona across various zip codes from the largest insurance companies via Quadrant Information Services. Our sample driver profile is a 30-year-old driving a 2018 Honda Accord with good credit. We used a full coverage car insurance policy unless otherwise stated with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

When AutoInsureSavings.org quotes a driver with a minimum coverage policy, we used the minimum liability limits per Arizona insurance regulations. We used credit score, marital status, driving history, and accident history for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.

Sources

– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Insurance Information Institute. “Auto Rate Setting.”
– Arizona ADOT. “Vehicle Records.”
– Arizona ADOT. “Vehicle Insurance Information.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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