Car Insurance in Arizona: How to Find the Policy That Fits You

MoneyGeek offers analysis and solutions for all your car insurance needs in Arizona.

Find the Best or Cheapest Car Insurance in Arizona

MoneyGeek can help you find the cheapest companies for car insurance in Arizona since we gathered and analyzed thousands of quotes. We also ranked the best companies for affordability and cost using our unique scoring system.

MoneyGeek broke down car insurance costs by age, driving record and other significant factors for individuals looking to estimate their overall car insurance costs in the state.

Our resources mentioned above explain the cheapest and best car insurance for different types of drivers. See the table below for a quick summary of what you can expect to find.

Also, please keep in mind that MoneyGeek’s recommendations are for a full coverage policy unless noted otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN ARIZONA
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: American Family
  • After an accident: GEICO
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: GEICO
  • Senior drivers: GEICO
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN ARIZONA
  • Overall: GEICO
  • Customer Service: State Farm
  • On a Budget: GEICO
  • Poor Driving Record: GEICO
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Travelers
  • Low-Mileage Drivers: Metromile Auto

Get an Arizona Car Insurance Quote

MoneyGeek’s research shows that the cost of car insurance in Arizona can vary by as much as $1,204 per year for the same driver across different companies. It’s best to shop around and compare quotes to find cheaper rates. It shouldn’t take long to get an estimate.

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Car Insurance Laws in Arizona

MoneyGeek has all the resources needed to understand Arizona car insurance laws and requirements. We found that the state law requires you to have the following minimum liability coverage:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Since Arizona law does not require drivers to have comprehensive and collision insurance and also mandates low levels of liability coverage, the coverage amount you need might be different from how much coverage you should get.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN ARIZONA?

Arizona law requires high-risk drivers with a DUI to file a form as proof for insurance. This is called an SR-22. MoneyGeek explained the cost of a policy with an SR-22 in Arizona and how to file one with your insurer.

Specialty Car Insurance in Arizona

Sometimes, traditional car insurance may not be the best option for your needs. That’s why MoneyGeek analyzed alternate forms of car insurance in Arizona, like non-owner car insurance, temporary car insurance and low-income car insurance, to help you find the right policy.

Learn more about these unique car insurance types in Arizona below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

If you don’t own a car but need proof of insurance, a non-owner car insurance policy in Arizona may be the best option for you.

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Temporary car insurance

You can opt for temporary car insurance in Arizona by buying and canceling a policy early if you are a frequent user of rental cars or own a car temporarily. You could also get rental car insurance.

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Car insurance for low-income drivers

While most states don’t have programs to support low-income drivers, MoneyGeek figured out ways to save money on car insurance costs in Arizona.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.