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Arizona Cheapest Auto Insurance, Minimum Requirements & Average Premium by City

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Updated November 1st, 2020

The overall least expensive auto insurance companies in Arizona are Ameriprise, Farmers, and Auto-Owners for drivers with decent driving history and location-dependent.

Each carrier can offer quotes from 16 to nearly 30% cheaper than the median rate for similar age drivers.

It will help if you put other insurers on your bucket list to get quotes are Freedom National, Farm Bureau Financial Services, and Travelers.

These three are included in the list since each can be nearly as competitive as Farmers or Auto-Owners depending on location.

At times, other carriers offering lower than average quotes are Titan, SafeAuto, and Allstate.

There are more details below.

This article will cover the minimum requirements in Arizona, the cheapest car insurance companies by age, and cost savings tips to help you lower your annual premium.

If you want to skip to the best insurers, there is a table of contents down a little and to the right for your convenience.  

Minimum Auto Insurance Requirements for Arizona:

If you are a resident of Arizona, it is vital to understand the minimum insurance requirements. Hence, you realize you will be protected in the event you are in a vehicle accident.

Below are the minimum standards and recommended coverage. 

CoverageArizona Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$15,000 per person / $30,000 per accident$100,000 / $300,000
Property Damage$10,000$50,000
Uninsured MotoristOptional$100,000 / $300,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

The minimum Arizona automobile insurance coverage is set at 15/30/10.

The first two numbers (15 & 30) represent the amount of bodily injury liability coverage, and the last number (10) represents the amount of property damage liability that the state requires.

All the numbers represented are in thousands.

Lowest premium prices for 25 y/o by carrier.Note: As illustrated, a 25-year-old driver can find the cheapest car insurance quotes with Ameriprise, Farmers, and Auto-Owners. Ameriprise is approximately 21% lower than a driver with a similar profile. In comparison, Farmers and Auto-Owners are 18% lower than average.

Bodily Injury Liability

The state of Arizona specifies every person carry $15,000 to cover the medical bills per injured person with a $30,000 limit per accident for all passengers.

Least expensive choices for 30 y/o by insurer.Note: In this instance, the lowest quotes for a 30-year old are with Ameriprise. Depending on your driver’s history, other carriers with cheap car insurance are Farmers, Auto-Owners, and Freedom National. I queried each at $1,145, $1,176, and $1,190 per year.

Property Damage Liability

Property damage liability covers damages to the other party’s automobile or other property like buildings and road signs.

In Arizona, the minimum property damage liability insurance is set at $15,000.

Cheapest auto insurance quotes by carrier for 35 y/o drivers.Note: A 35-year-old driver can find quotes clustering between $865 and $923. Ameriprise was the cheapest at $865 when I queried for quotes. Followed by Farmers then Auto-Owners. All three are 17% lower than the “mean” rate for a driver with a similar profile.

Arizona is NOT a “no-fault” State

Arizona is not a “no-fault” state, so a driver will not be required to carry Personal Injury Protection (PIP).

Arizona does not require drivers to carry comprehensive, collision, or uninsured motorist protection.

Lowest price providers for 45 y/o in Arizona.Note: A 45-year can find quotes varying by $60. Which isn’t much but that is for the 5 cheapest. In this instance, for a driver with a good driving history, the cheapest carrier is Ameriprise. Then Farmers followed by Auto-Owners. All are 19% lower than the average premium rate for a 45-year old.

As always, be sure to consult with an agent after you have compared your quotes and consider uninsured motorist protection since the uninsured motorist rate for the state of Arizona is higher than average.

Furthermore, Arizona rates are higher than the national average.

Who offers the Cheapest Auto Insurance in Arizona?

Below is a table list of the cheapest insurers in Arizona from 25 to 55 years of age.

Throughout the age spectrum, I found Ameriprise to be the least expensive overall.

Each time I queried from quotes, Ameriprise was 16 to 20% lower than the average premium.

Farmers were 14 to 19% lower, while Auto-Owners was 14 to 18% lower.

Freedom National was 13 to 20% cheaper.

One thing to note, Freedom National was cheaper than Ameriprise for drivers from 30 to 40 years of age.

Since Freedom National is not cheaper, I put them 4th on the list of best carriers.

The list includes 22 insurers that can offer you a policy in Arizona.

It is from the cheapest to the most expensive.

With the list, you have a blend of regional and national insurers to help you find the cheapest car insurance in Arizona. 

Arizona Company25 Y/O Driver30 Y/O35 Y/O45 Y/O55 Y/O
Ameriprise$1,675$1,138$865$594$386
Farmers$1,709$1,145$887$614$412
Auto-Owners$1,765$1,176$890$622$414
Freedom National$1,811$1,190$900$625$421
GEICO$1,822$1,212$912$654$422
Travelers$1,834$1,243$923$656$432
Allied$1,876$1,287$935$645$465
Nationwide$1,900$1,300$940$667$511
American Family$1,912$1,325$944$690$516
Country$1,922$1,355$948$697$521
Encompass$1,954$1,376$968$701$534
Titan$1,978$1,387$979$721$535
Allstate$1,999$1,403$1,032$722$535
California Casualty$2,022$1,465$1,047$725$539
Farm Bureau Mutual$2,043$1,487$1,087$743$535
Safe Auto$2,056$1,500$1,090$745$556
MetLife$2,122$1,521$1,128$776$587
Mercury$2,178$1,587$1,176$790$608
Amica$2,231$1,610$1,200$812$609
Dairyland$2,254$1,721$1,236$823$614
The General$2,376$1,738$1,300$875$624
Kemper Specialty$2,480$1,841$1,326$923$654

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Below is a table of the best insurers by consumer rating, rate change increase or decrease, and the number of complaints.

The companies with the most amount of written premiums will have a higher amount of complaints.

This is normal.

The rate change percentage is normal for all carriers.

The consumer ratings are from JD Power & Associates, AM Best, plus any other online consumer rating.

It is an average of all sources.

Many of the smaller companies have little to no complaints.

However, you may pay a slightly higher premium through them.

Your best option is to get a quote to see what company offers you the most savings.

CompanyWritten PremiumsRate Change # of ComplaintsConsumer Rating out of 5 Stars
Travelers$111,239,829+2.2%14.5
Liberty Mutual$97,218,432+2.0%174.4
Bankers Ins.$11,267,511+3.6%03.9
Chubb$41,433,643 +3.1%14.0
Farmers$122,587,443 +2.3%34.4
Cincinnati Ins$22,444,873+2.4%03.8
Allied$37,428,512 +2.7%34.1
Encompass$48,224,593 +2.3%04.0
GEICO$229,422,732 +2.2%434.3
Country Financial $65,412,592 +2.8%34.1
ANPAC$17,124,582 +2.9%53.9
Pekin$19,144,583 +2.2%23.9
Progressive$214,794,621+2.0%274.3
Mutual of Enumclaw$9,731,682+3.1%33.9
Esurance$54,711,437+2.7%124.2
Titan$43,799,823+2.7%94.3
Sentry$65,732,428+2.9%53.8
Mercury$69,532,611+2.9%84.3
USAA$153,754,814+1,8%294.6
Acuity Insurance$1,795,622+2.8%73.9
Kemper$7,755,591+2.2%43.9
Hartford$111,732,894+2.2%524.2
Assurance America$794,682+2.8%44.1
Arizona Automobile Ins. Company$2,733,667+3.5%83.9
State Farm$298,794,433+2.0%384.3
Hallmark$667,411+3.9%43.7
Allstate$215,967,498+2.2%564.3
National General$98,943,333+2.1%143.9
Safeco$69,548,338+2.4%183.8
American Family$105,887,228+1.9%324.1
Safeway$14,414,543 +4.4%73.9
Anchor General$19,432,543 +4.4%23.9
MAPFRE$6,424,876 +4.0%73.6
21st Century$49,422,333 +2.6%274.1
Infinity Auto$41,874,389 +4.1%323.9
Arizona Farm Bureau$65,224,821 +4.1%173.8
Ameriprise$37,454,543 +2.8%124.0
Amica$98,522,548+2.9%173.9
The General$87,588,732+4.1%373.7
Electric$32,513,548+2.8%214.0
CSE$26,558,711+4.1%24.0
Omni$11,168,776+4.1%63.9
MetLife$67,656,522 +3.7%124.2
Pimero$37,454,543 +3.5%43.9
Badger Mutual$4,455,587 +3.7%83.7
Western General
Company
$20,433,769 +3.2%133.8
CSAA$7,464,839 +3.2%123.9
GAINSCO$5,687,522 +3.1%113.9
Mendota$4,487,511 +3.3%64.0
American Access$7,433,327 +3.8%33.9
State Auto$22,476,592 +3.1%64.1
SafeAuto$66,673,222 +2.7%214.1

Always Compare – Even if you think you are getting the best rate

At AutoInsureSavings, we understand people are busy and stay with your current insurer since they believe it may be a hassle to switch.

On the other hand, it is easy to switch companies if you can save hundreds of dollars over the next couple of years.

And it would be well worth your time to do a little research and compare your options.

55 y/o low-cost premium prices by insurer illustrated.Note: A 55-year-old driver can get cheap auto insurance with Ameriprise, Farmers, and Auto-Owners. I queried each at $386, $412, and $414 per year for full coverage. All three carriers are over 20% lower than the average premium for drivers of similar profile. In fact, all carriers illustrated are 18% lower than the average premium for a driver with the same profile.

Regardless of your current insurance provider, you can compare quotes for free.

You can call any carrier to get free quotes or enter your five-digit zip code above.

The tool will provide you a comparison of top companies, such as Liberty Mutual, Progressive, or Esurance (an Allstate company).

Average Premium by City

Location can make a significant difference when you are getting quotes for a policy.

Below is a table of the average cost of a policy by the city.

Included is the difference between the state average policyholder.

The approximate average policy costs $1,300 in Arizona.

CityPremium% Difference vs. AvgCityPremium % Difference vs. Avg
Apache Junction$1,122-12%Maricopa$1,378+7%
Arizona City$1,087-14%Oracle$1,311+2%
Buckeye$907-31%Oro Valley$1,098-13%
Bullhead City$987-29%Pinetop$1,121-12%
Catalina$965-29%Pirtleville$1,144-11%
Cave Creek$965-29%Prescott$1,198-19%
Clarkdale$945-29%Prescott Valley$1,132-12%
Cottonwood$1,099-13%Queen Creek$1,100-13%
Douglas$998-29%Rio Rico$1,121-12%
Flagstaff$856-34%Safford$1,234-9%
Florence$1,116-13%San Luis$1,145-11%
Gold Canyon$877-31%Sedona$1,065-14%
Highley$892-30%Tolleson$987-39%
Kingman$1,069-14%Yuma$1,076-14%

Phoenix, AZ

Phoenix lowest policy options for 30 and 55 y/o drivers.If you want to get the cheapest policy in Phoenix, start by getting quotes from Ameriprise, Farmers, and State Farm.

I queried each at $987, $1,009, and $1,032 for a 30-year-old driver.

Which is 24% lower than the citywide average premium.

For a 45-year old, the best options are with Ameriprise, Farmers, and State Farm.

I queried each at $712, $733, and $765 for full coverage.

Titan and Freedom National are worth getting quotes since both are below the “mean” rate.

A 55-year old can find quotes clustering between $465 and $531.

Ameriprise is the least expensive, with quotes 28% lower than the city average.

Followed by Farmers and State Farm.

Phoenix Company30 Y/O 45 Y/O55 Y/O
Ameriprise$987$712$465
Farmers$1,009$733$487
State Farm$1,032$765$500
Titan$1,176$800$532
Freedom$1,187$799$531

Tucson, AZ

If you are looking for the cheapest auto insurance in Tucson, get quotes from Auto-Owners, Ameriprise, and Farmers.

I queried each at $1,098, $1,136, and $1,209 for a 30-year-old driver.

Which is 21 to 28% lower than the citywide average premium.

A 45-year old can find cheaper rates with the same three insurers.

Auto-Owners offers a quote 27% lower at $743.

Ameriprise has quotes 25% lower at $765.

And Farmers offer low rates at $799 for full coverage.

A 55-year old can get a lower policy price with Auto-Owners, Allstate, and Ameriprise.

I queried each at $432, $444, and $456 per year for full coverage. 

All three came in 29% lower than the average premium for a driver with a similar profile.

Freedom National offers quotes for each driver who was 22% lower than the median rate in Tucson. 

Tucson Company30 Y/O45 Y/O55 Y/O
Auto-Owners$1,098$743$432
Ameriprise$1,136$765$456
Farmers$1,209$799$476
Allstate$1,245$845$444
Freedom National$1,199$879$508
Mercury$1,250$956$513
MetLife$1,331$1,075$542

Mesa, AZ

Mesa least expensive auto insurance choices for 30 and 55 y/o drivers.Finding a cheaper premium in Mesa is easy if you know where to look.

Start by getting quotes from Farmers, Freedom National, and Auto-Owners.

I queried each at $1,087, $1,141, and $1,143 for a 30-year-old driver.

Which is 21% to 26% lower than the “mean” premium rate in Mesa.

A 45-year old can find low quotes with Farmers, Auto-Owners, and Freedom National.

I queried each at $785, $800, and $811 per year for full coverage.

Which is 20 to 26% lower than the average rate for a driver with a similar profile.

A 55-year old can get a cheaper policy with Farmers, Freedom National, and Auto-Owners.

Clustering between $411 and $432 is 28% lower than the average premium quote for the same age driver.

It would be smart to get quotes from all insurers illustrated to find the most savings with more coverage.

Mesa Company30 Y/O45 Y/O55 Y/O
Farmers$1,087$785$411
Auto-Owners$1,143$800$432
Ameriprise$1,145$812$488
Freedom National$1,141$811$418
Safe Auto$1,276$845$487
Mercury$1,387$858$500
MetLife$1,400$898$512
Amica$1,412$915$543

Chandler, AZ

Chandler cheapest premium options for 30, 45, and 55 y/o drivers.To find the cheapest quotes in Chandler, start with Farmers, Freedom National, and Auto-Owners.

I queried each at $1,121, $1,144, and $1,165 respectfully for a 30-year-old driver.

Which is 13 to 18% lower than the average premium.

A 45-year old can find low quotes with Farmers, Freedom National, and Auto-Owners.

I queried each at $789, $811, and $823 for full coverage.

And is 12% to 16% lower than the “mean” rate for a driver with a similar profile.

A 55-year-old driver can find a cheap premium with Farmers, Freedom National, and Auto-Owners.

I queried each at $511, $523, and $544 for full coverage.

Or approximately 14 to 19% lower than the average premium in the city of Chandler.

Chandler Company30 Y/O45 Y/O55 Y/O
Farmers$1,121$789$511
Freedom National$1,144$811$523
Auto-Owners$1,165$823$544
Ameriprise$1,233$854$564
Farm Bureau$1,280$876$590
Mercury$1,311$900$600
MetLife$1,376$913$611
Amica$1,421$943$632

Scottsdale, AZ

Scottsdale low-cost policy choices for 30 and 55 year old.If you are looking for the cheapest car insurance in Scottsdale, get quotes from Farmers, Auto-Owners, and Freedom National.

I queried each at $1,231, $1,267, and $1,300 for a 30-year-old driver with full coverage.

Which is 19 to 23% lower than the average premium in Scottsdale.

A 45-year old can get a cheaper rate with Farmers, Freedom National, and Auto-Owners.

I queried each at $812, $824, and $825 for full coverage.

Or approximately 22% lower than the “mean” rate.

A 55-year old can get low quotes with Farmers, Freedom National, and Auto-Owners.

I queried each at $499, $509, and $511 per year for full coverage. 

Or approximately 23% lower than the “mean” rate for a driver with a similar profile.

In fact, any of the insurers illustrated would be worth getting quotes from for maximum savings.

Scottsdale Company30 Y/O45 Y/O55 Y/O
Farmers$1,231$812$499
Auto-Owners$1,267$825$511
Freedom National$1,300$824$509
Ameriprise$1,344$845$555
Farm Bureau$1,376$887$578
Mercury$1,400$902$609
MetLife$1,411$912$621
Amica$1,432$936$643

Tempe, AZ

Tempe, Arizona least expensive auto insurance by quote from Auto-Owners, Freedom National, Farmers, Mercury, and Ameriprise.

If you are in the market for inexpensive car insurance in Tempe, Arizona, get quotes from Auto-Owners, Freedom National, and Farmers.

I queried each at $1,298, $1,322, and $1,346 per year for a 30-year-old driver.

This is 18 to 21% lower than the median quote for drivers of similar age and Tempe profile.

Other insurers that did well are Mercury and Ameriprise.

Both offer low quotes with prices at $1,412 and $1,415, respectfully.

A 45-year old can find the best options with Auto-Owners, Freedom National, and Farmers.

I queried each at $809, $819, and $844 respectfully per year for full coverage.

Or nearly 23% lower than the “mean” quote for similar age drivers.

Other options for a 45-year old in Tempe are Mercury and Ameriprise.

Both insurers offer cheap car insurance with quotes at $879 and $903 respectfully per year for full coverage.

Tempe Company30 Y/O45 Y/O
Auto-Owners$1,298$809
Freedom National$1,322$819
Farmers$1,346$844
Mercury$1,412$879
Ameriprise$1,415$903
Farm Bureau$1,487$922
MetLife$1,511$943
Amica$1,518$954

State of AZ Resources

State Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
2910 N. 44th St., Ste. 210
Phoenix, AZ 85018
(602) 364-2499
1130 N 22nd Ave, Phoenix, AZ 85009
(907) 465-3900
Arizona Motor Vehicle Division
(602) 255-0072
WebsiteWebsiteWebsite

Conclusion

Five minutes of your time could save you hundreds of dollars over the next few years.

Therefore be sure to compare and “never assume” you are getting the lowest car insurance rates possible today.

Insurers are competing for your business, and AutoInsureSavings wants you to save money while getting the equivalent or more coverage for less.

Sources

https://www.iii.org/article/background-on-no-fault-auto-insurance

https://www.azdot.gov/motor-vehicles/faq/vehicle-services/mandatory-insurance

https://www.thesimpledollar.com/best-car-insurance-in-arizona/

http://www.ambest.com/home/default.aspx

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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