Cheapest Car Insurance in Arizona for 2026

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Updated: July 14, 2026

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Travelers offers the cheapest car insurance in Arizona for full coverage ($83/month), minimum coverage ($41/month), teen and young adult drivers (starting at $421/month dropping to $99 by age 25), seniors ($91/month) and drivers in 16 of the state's 20 largest cities in the state.

Drivers with with a speeding ticket or texting violation record, Auto-Owners is cheapest at $108 a month. After a DUI, State Farm offers the lowest rate at $122 a month. For ratings and coverage details alongside rates, see the best car insurance in Arizona.

Minimum Coverage
Travelers
$41
4.79/5
Full Coverage
Travelers
$83
4.79/5
Teens
Travelers
$423
4.79/5
Young Adults
Travelers
$99
4.79/5
Senior (70+)
Travelers
$91
4.79/5
Speeding Ticket
Auto-Owners
$108
4.64/5
At-fault Accident
Travelers
$114
4.79/5
DUI
State Farm
$122
4.33/5
Bad Credit
Safeway Insurance
$143
3.97/5
Texting While Driving
Auto Owners
$108
4.64/5
Travelers

Travelers

Best Cheap Car Insurance for Minimum & Full Coverage in Arizona

Travelers is the best car insurance option in Arizona for both minimum ($41/month) and full coverage ($83/month). The highest overall MoneyGeek score in the state at 4.79/5 reflects a combined measure of price, claims quality and the range of coverage options available, all areas where Travelers leads. On a full coverage policy, Travelers goes beyond the standard with accident forgiveness through the Responsible Driver Plan, new car replacement, rental reimbursement and roadside assistance. Travelers holds an A++ financial strength rating from AM Best and receives fewer complaints about claims handling than most companies its size.

The $41 a month minimum coverage rate can go lower through discounts such as IntelliDrive, a program that rewards low mileage and safe driving with a reduced rate at renewal. Paying the full premium upfront qualifies for an additional discount, and bundling home and auto with Travelers reduces both policies. Rates, scores and coverage details are at the Travelers car insurance review.

Cheapest Car Insurance by Coverage Level in Arizona

Travelers
$41
$83
4.79/5
GEICO
$47
$103
4.29/5
Auto-Owners
$53
$108
4.64/5
State Farm
$53
$115
4.33/5
Progressive
$73
$117
4.37/5

Cheapest Minimum Coverage in Arizona

Travelers offers the cheapest minimum coverage in Arizona at $41 a month, $6 less than GEICO's $47 and $12 less than Auto-Owners' $53. Sticking with GEICO over Travelers costs $72 more a year for the same coverage. Both companies offer a way to lower the rate further without changing coverage. Travelers' IntelliDrive tracks driving behavior and can reduce the $41 rate at renewal. GEICO's DriveEasy does the same for its $47 rate. Drivers who already have a clean record and consistent driving habits are the best candidates for either program.

Cheapest Full Coverage in Arizona

Travelers offers full coverage in Arizona for $83 a month, the lowest rate among the five companies. Travelers also holds the highest overall MoneyGeek score at 4.79/5, a combined measure of price, service and coverage options, so it's not just winning on price. GEICO is second at $103, $20 more a month. Auto-Owners charges $108 and earns the highest customer experience score of any Arizona insurer at 5.00/5. Drivers who prioritize claims service over price should quote Auto-Owners.

How to Choose Between Minimum and Full Coverage in Arizona

Drivers with a loan or lease don't have a choice. Lenders require full coverage as a condition of financing. For drivers who own their car outright, the decision comes down to the vehicle's value. Full coverage costs $42 more a month than minimum in Arizona, or $504 a year. If the car is worth less than $5,000, minimum coverage may cost more annually than any claim would pay out. Arizona is an at-fault state with no PIP requirement, so minimum coverage pays nothing toward your own vehicle damage or medical bills in a crash you cause. Use the Arizona car insurance calculator to run the numbers for your vehicle.

Cheapest Car Insurance for Teens and Young Adults in Arizona

Travelers is cheapest for teen drivers in Arizona from age 16 ($423 a month for males, $421 for females) through age 23 ($120 a month for both). That's a drop of more than $300 a month over seven years as the risk profile improves with driving experience.

At 19, GEICO is cheaper for males at $189 a month, $10 less than Travelers at that age and worth switching for at renewal. At 24, Progressive is cheapest for females at $111 a month and stays cheapest through age 25 at $93. Those two transition ages are where the biggest rate drops happen, so getting new quotes at each one pays off. See how to switch car insurance companies for the steps to make each change.

16
Travelers
$421
Travelers
$423
4.28/5
17
Travelers
$312
Travelers
$313
4.28/5
18
Travelers
$250
Travelers
$251
4.28/5
19
Travelers
$199
Geico
$189
3.65/5
20
Travelers
$170
Travelers
$171
4.28/5
21
Travelers
$145
Travelers
$146
4.28/5
22
Travelers
$131
Travelers
$132
4.28/5
23
Travelers
$120
Travelers
$120
4.28/5
24
Progressive
$111
Travelers
$113
3.90/5
25
Progressive
$93
Travelers
$99
3.90/5
Travelers

Travelers

Best Cheap Car Insurance for Teens and Young Adults in Arizona

Travelers' highest overall MoneyGeek score at 4.79/5 for teen and young adult drivers in Arizona reflects strong performance across price, claims quality and coverage options. For families, the good student discount rewards teens maintaining a B average, and the away-at-school discount applies for teens attending college more than 100 miles from home. The company's Responsible Driver Plan means a first at-fault accident won't raise the rate at renewal. That protection matters most during the years a teen is still building a driving record, when accidents are most likely. Travelers also holds an A++ financial strength rating from AM Best, the highest available, confirming the company has the financial backing to pay claims reliably. A full overview of Travelers' coverage and ratings is at its Travelers car insurance review.

Cheapest Car Insurance for Seniors in Arizona

Travelers is the cheapest senior option in Arizona at $91 a month, only $8 above its own $83 adult rate, one of the smallest age-related increases in the table. State Farm is the next cheapest at $113. State Farm's Drive Safe & Save program can bring that $113 down, but drivers whose monitoring data scores poorly won't see those savings. Get new quotes at your next renewal to compare both options at actual market rates.

Travelers
$91
4.28/5
State Farm
$113
3.80/5
Auto-Owners
$119
4.58/5
GEICO
$119
3.65/5
Progressive
$123
3.90/5

Cheapest Car Insurance by City in Arizona

Travelers is the cheapest option in 16 of Arizona's 20 largest cities. Phoenix drivers pay $57 a month, Mesa drivers pay $53 and Tucson drivers pay $48, compared to just $41 a month in Casa Grande. That $16 difference is driven by measurable risk. Phoenix records more than double the national auto theft rate and has 79 road segments that make up just 1% of the city's roads but account for 11% of its serious injury and fatal crashes. Tucson sees 2.8 crashes per 1,000 residents annually against Phoenix's 3.2. Casa Grande, with a smaller population and lower traffic volume, generates fewer claims, and the rate reflects it.

In the four cities where Travelers isn't cheapest, Safeway Insurance is cheapest in Lake Havasu City at $31 a month and Yuma at $40, while State Farm is cheapest in Flagstaff at $40 and Prescott Valley at $46. Rates also vary by ZIP code within the same city, so always quote for your specific address rather than relying on a city average.

Lake Havasu City
Safeway Insurance
$31
Flagstaff
State Farm
$40
Yuma
Safeway Insurance
$40
Casa Grande
Travelers
$41
Goodyear
Travelers
$46
Maricopa
Travelers
$46
Prescott Valley
State Farm
$46
Tucson
Travelers
$48
Avondale
Travelers
$50
Queen Creek
Travelers
$51
Surprise
Travelers
$51
Mesa
Travelers
$53
Scottsdale
Travelers
$53
Gilbert
Travelers
$54
Tempe
Travelers
$54
Buckeye
Travelers
$55
Chandler
Travelers
$55
Phoenix
Travelers
$57
Glendale
Travelers
$58
Peoria
Travelers
$59

Cheapest Car Insurance for High Risk Drivers in Arizona

State Farm is cheapest after a DUI at $122 a month. Auto-Owners is cheapest after a speeding ticket or texting while driving violation at $108 for both. Arizona requires an SR-22 filing after a DUI for three years from the reinstatement date. All five companies in the table file SR-22 forms directly.

For poor credit, Safeway Insurance is cheapest at $143 a month. Safeway specializes in high-risk drivers but has a lower service rating at 3.15/5. Once credit improves, Travelers is the next step at $83 a month for good-credit drivers.

Speeding Ticket
Auto-Owners
$108
4.64/5
4.58/5
At-Fault Accident
Travelers
$114
4.79/5
4.28/5
DUI
State Farm
$122
4.33/5
3.80/5
Texting While Driving
Auto-Owners
$108
4.64/5
4.58/5
Bad Credit
Safeway Insurance
$143
3.97/5
3.15/5
State Farm

State Farm

Best Cheap Car Insurance After a DUI in Arizona

State Farm is the best option for Arizona drivers with a DUI at $122 a month, covering every part of the post-conviction process in one policy. State Farm covers DUI drivers on a standard policy, files the SR-22 directly with the Arizona MVD, and has the largest agent network of any company in the table for in-person support through reinstatement. Once coverage is in place, State Farm's Drive Safe & Save telematics program tracks driving behavior and can lower the rate by up to 30% at renewal as the record rebuilds. A full overview of State Farm's coverage and ratings is at its State Farm car insurance review.

How to Get Cheaper Car Insurance in Arizona

Most Arizona drivers can lower their car insurance bill without changing their coverage. Switching from the most expensive company to Travelers saves $34 a month. Dropping from full to minimum coverage saves $42 a month. Both moves are covered in the steps below, along with discounts and timing strategies that add to the savings.

  1. 1
    Get quotes from all five Arizona insurers and save up to $34 per month

    Get quotes from at least three Arizona insurers before renewing. The five top-rated companies range from $83 to $117 a month for full coverage. Travelers holds the cheapest rate now, but rates shift at every renewal. A ten-minute quote is enough to catch any company that has repriced since your last renewal.

  2. 2
    Match your coverage level to your vehicle's value and save $42 per month

    Check your vehicle's current value before your next renewal. Full coverage costs $42 more a month than minimum in Arizona, or $504 a year. If the car is worth less than $5,000 and you own it outright, that annual cost may exceed what a total-loss claim would return. If you have a lender, full coverage is required. Use the Arizona car insurance calculator to run the numbers for your vehicle.

  3. 3
    Bundle home and auto with the same carrier

    Ask for a combined home and auto quote before renewing either policy separately. Travelers, State Farm and Auto-Owners all offer bundle discounts in Arizona. The discount applies to both policies without changing your coverage.

  4. 4
    Get new quotes when your violation ages off and recover up to $39 a month

    Get new quotes in the month before your surcharge window closes. Arizona insurers don't lower your rate automatically when the surcharge expires. An at-fault accident adds $31 a month above the clean-record rate. A DUI adds $39. Most companies clear the surcharge within three to five years.

  5. 5
    Improve your credit score before renewal and save $60 per month

    Improve your credit score before your next renewal date, then get new quotes at Travelers. Arizona permits credit as a rating factor. Drivers with poor credit pay $143 a month through Safeway Insurance, $60 more than Travelers charges for good credit. Consistent on-time payments and lower credit card balances can move a score from poor to good within 12 to 24 months.

  6. 6
    Use a telematics discount if you drive safely

    Enroll in a telematics program if you drive safely and consistently. Two of the five cheapest Arizona insurers offer these programs. Both can lower your rate at renewal, and both can raise it if your driving scores poorly during the monitoring period.

    • Travelers: IntelliDrive monitors driving behavior for 90 days. Safe drivers get a discount at renewal. Poor scores during the monitoring period can raise your rate.
    • GEICO: DriveEasy tracks driving behavior through the app and can lower your rate at renewal. Hard braking and phone use carry the highest penalty weight.
    • Auto-Owners: Auto-Owners does not offer a telematics program but provides multi-policy and good driver discounts. Ask your agent what's available on your policy.

MoneyGeek analyzed car insurance rates across Arizona using data from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Arizona. Carriers are required to file rates with the Arizona Department of Insurance before charging them. These are filed rates, not estimates or online quote approximations.

The baseline driver is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage uses 100/300/100 liability with a $1,000 deductible. Minimum coverage reflects Arizona's 25/50/15 state minimums. Profile variations include young drivers ages 16 to 25 rated by gender, a senior driver at age 70, one-variable violation profiles and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison.

MoneyGeek scores companies on three factors: affordability (60% of score, normalized rates across all companies within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits). Arizona requires SR-22 filings after DUI convictions, maintained for three years from the date the driver is eligible to reinstate their license. Credit scoring and gender are both permitted rating factors in Arizona. Safeway Insurance appears in the bad credit table as a company specializing in high-risk drivers.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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