Arizona Cheapest Car Insurance & Best Coverage Options
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Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...
Founder, CFP®
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| 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. |
The 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. As you can see, the cheapest rate for minimum liability coverage and the cheapest rate for comprehensive coverage may come from different insurers.
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 |
|---|
 The 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.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
| Company | Average annual rate | Monthly 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.
| 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. |
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.
| Insurer | Annual cost | Monthly 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.
| Insurer | Annual cost | Monthly 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.
| 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. |
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.
| Insurer | Annual cost | Monthly 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.
| Insurer | Annual cost | Monthly 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.
| Insurer | Annual cost | Monthly 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).
| 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. |
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 Insurer | Full coverage | Minimum 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.
| Insurer | Annual cost | Monthly 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.
| Insurer | Annual cost | Monthly 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 Family | 86% | 50% |
| USAA | 78% | 62% |
| Progressive | 74% | 34% |
| State Farm | 73% | 46% |
| Allstate | 72% | 47% |
| Farmers | 71% | 38% |
| Geico | 64% | 42% |
| The Hartford | 51% | 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.
| 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. |
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
| Insurer | NAIC Complaint Index | J.D. Power Claims Satisfaction | A.M. Best rating |
|---|---|---|---|
| Farmers | 0.19 | 872 | A |
| Progressive | 0.36 | 856 | A+ |
| American Family | 0.44 | 862 | A |
| Allstate | 0.63 | 876 | A+ |
| State Farm | 0.66 | 881 | A++ |
| CSAA (AAA) | 0.85 | 862 | A |
| Liberty Mutual | 0.92 | 870 | A |
| USAA | 0.98 | 890 | A++ |
| Geico | 1.02 | 871 | A++ |
| Country Financial | 1.34 | 870 | A |
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 Company | Average 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 Company | Average 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 Company | Average 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 Company | Average 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 Company | Average 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 car insurance 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 Company | Average 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 Company | Average Premium |
|---|---|
| Progressive | $1,437 |
| Geico | $1,581 |
| Country Financial | $1,599 |
| Glendale average | $1,846 |
Average Cost of Insurance for All Cities in Arizona
| City | Annual Premium Cost | City | Annual Premium Cost |
|---|---|---|---|
| Phoenix | $2,016 | Three Points | $1,499 |
| Tucson | $2,134 | Summit | $1,417 |
| Mesa | $2,085 | Fort Defiance | $1,480 |
| Chandler | $2,153 | San Carlos | $1,474 |
| Scottsdale | $2,011 | Pinetop-Lakeside | $1,438 |
| Glendale | $1,957 | Lake Montezuma | $1,597 |
| Gilbert | $1,846 | Whiteriver | $1,470 |
| Tempe | $1,636 | Clarkdale | $1,481 |
| Peoria | $1,732 | Red Rock | $1,526 |
| Surprise | $1,677 | Taylor | $1,417 |
| San Tan Valley | $1,608 | Dewey | $1,438 |
| Yuma | $1,647 | Carefree | $1,504 |
| Avondale | $1,614 | Avenue B and C | $1,516 |
| Goodyear | $1,600 | Quartzsite | $1,576 |
| Flagstaff | $1,470 | Clifton | $1,540 |
| Sierra Vista | $1,519 | Casa Blanca | $1,414 |
| Casas Adobes | $1,483 | San Manuel | $1,554 |
| Buckeye | $1,550 | Lake of the Woods | $1,572 |
| Casa Grande | $1,594 | Oracle | $1,511 |
| Lake Havasu City | $1,474 | Willcox | $1,557 |
| Catalina Foothills | $1,540 | St. Johns | $1,470 |
| Maricopa | $1,504 | Cornville | $1,563 |
| Marana | $1,568 | Williams | $1,438 |
| Oro Valley | $1,580 | Parker | $1,552 |
| Prescott Valley | $1,589 | Superior | $1,417 |
| Sierra Vista | $1,622 | Wellton | $1,483 |
| Queen Creek | $1,516 | Kachina Village | $1,526 |
| Prescott | $1,557 | Swift Trail Junction | $1,568 |
| Apache Junction | $1,417 | Ajo | $1,490 |
| Bullhead City | $1,470 | Black Canyon City | $1,563 |
| Sun City | $1,552 | Linden | $1,540 |
| El Mirage | $1,587 | Central Heights-Midland City | $1,474 |
| San Luis | $1,417 | White Mountain Lake | $1,483 |
| Fortuna Foothills | $1,627 | Heber-Overgaard | $1,504 |
| Sahuarita | $1,588 | Mohave Valley | $1,438 |
| Kingman | $1,628 | Desert Hills | $1,526 |
| Drexel Heights | $1,595 | Sells | $1,581 |
| Florence | $1,540 | Cordes Lakes | $1,511 |
| Sun City West | $1,568 | Pima | $1,703 |
| Fountain Hills | $1,563 | Window Rock | $1,557 |
| Anthem | $1,608 | Whetstone | $1,470 |
| Green Valley | $1,526 | Kearny | $1,516 |
| Nogales | $1,483 | Grand Canyon Village | $1,490 |
| Rio Rico | $1,611 | Dolan Springs | $1,474 |
| Eloy | $1,438 | Valle Vista | $1,417 |
| Douglas | $1,504 | Rio Verde | $1,540 |
| Somerton | $1,563 | Cibecue | $1,552 |
| New River | $1,711 | Miami | $1,600 |
| Sierra Vista Southeast | $1,581 | Springerville | $1,622 |
| Flowing Wells | $1,470 | Huachuca City | $1,504 |
| Tanque Verde | $1,635 | First Mesa | $1,640 |
| Fort Mohave | $1,540 | Mayer | $1,602 |
| Payson | $1,417 | Gila Bend | $1,526 |
| Sun Lakes | $1,483 | Cienega Springs | $1,511 |
| Paradise Valley | $1,568 | Sacaton | $1,438 |
| New Kingman-Butler | $1,490 | Second Mesa | $1,474 |
| Vail | $1,557 | Pine | $1,563 |
| Verde Village | $1,504 | Bagdad | $1,540 |
| Coolidge | $1,616 | Scenic | $1,552 |
| Tucson Estates | $1,511 | Bylas | $1,417 |
| Cottonwood | $1,493 | Tonto Basin | $1,613 |
| Valencia West | $1,622 | Peridot | $1,470 |
| Chino Valley | $1,536 | North Fork | $1,570 |
| Gold Canyon | $1,624 | Joseph City | $1,581 |
| Arizona City | $1,526 | Blackwater | $1,568 |
| Camp Verde | $1,516 | Kaibito | $1,483 |
| Show Low | $1,552 | Mammoth | $1,490 |
| Saddlebrooke | $1,540 | Congress | $1,511 |
| Sedona | $1,563 | Canyon Day | $1,557 |
| Safford | $1,438 | Star Valley | $1,504 |
| Picture Rocks | $1,613 | Spring Valley | $1,622 |
| Winslow | $1,470 | Morenci | $1,540 |
| Golden Valley | $1,552 | Pirtleville | |
| Tuba City | $1,417 | LeChee | $1,613 |
| Corona de Tucson | $1,474 | Mescal | $1,490 |
| Catalina | $1,540 | Lukachukai | $1,526 |
| Page | $1,602 | Parks | $1,581 |
| Wickenburg | $1,557 | Wagon Wheel | $1,417 |
| Globe | $1,568 | Pinetop Country Club | $1,622 |
| Tolleson | $1,613 | Donovan Estates | |
| Youngtown | $1,483 | Salome | $1,438 |
| Guadalupe | $1,552 | Tubac | $1,611 |
| Village of Oak Creek | $1,504 | Cactus Flats | $1,516 |
| Avra Valley | $1,511 | Centennial Park | $1,470 |
| Litchfield Park | $1,563 | Tsaile | $1,557 |
| Snowflake | $1,417 | Leupp | $1,474 |
| Cave Creek | $1,540 | Beaver Dam | $1,613 |
| South Tucson | $1,526 | Peach Springs | $1,511 |
| Kayenta | $1,483 | Fort Valley | $1,504 |
| Citrus Park | $1,490 | Moenkopi | $1,581 |
| Williamson | $1,584 | Arivaca Junction | $1,552 |
| Rincon Valley | $1,622 | Six Shooter Canyon | $1,568 |
| Bisbee | $1,570 | St. David | $1,540 |
| Paulden | $1,438 | Ak-Chin Village | $1,563 |
| Thatcher | $1,557 | Meadview | $1,616 |
| Holbrook | $1,470 | Tombstone | $1,417 |
| Doney Park | $1,504 | Dilkon | $1,559 |
| Eagar | $1,516 | Claypool | $1,470 |
| Chinle | $1,546 | Ehrenberg | $1,526 |
| Benson | $1,474 | St. Michaels | $1,490 |
| Colorado City | $1,417 | Arizona 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.
| Coverage | AZ 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 Phoenix, AZ. 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:
Average Coverage Limits for Full-Coverage Auto Policy
| Coverage type | Study 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.”
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Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...
Founder, CFP®
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.