Best Car Insurance in Arizona for 2026

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Updated: April 22, 2026

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Key Takeaways
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Travelers earns the highest MoneyGeek score in Arizona at 4.8 out of 5 and ranks best and cheapest for adults at $45 per month, young drivers at $97 per month, seniors at $65 per month and accident profiles at $53 per month.

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State Farm offers the lowest rate after a DUI in Arizona at $55 per month, which is $3 per month less than Travelers for the same profile, making it the right pick for DUI-affected drivers.

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Travelers holds the highest MoneyGeek score in all 10 of Arizona's most populous cities, with rates ranging from $69 per month in Tucson to $83 per month in Glendale.

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HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN ARIZONA

MoneyGeek analyzed quotes from six Arizona insurers across every ZIP code in the state. Arizona is an at-fault state where Phoenix metro produces above-average accident frequency and where monsoon season (mid-June through September) drives hail, flooding and dust-storm comprehensive claims, and the state's $10,000 property damage minimum is among the lowest in the country, so higher liability limits deserve consideration.

Licensed insurance producers at MoneyGeek paid attention to the at-fault liability system, Arizona's severe summer weather exposure and the fact that credit scoring is permitted here, all of which drive real differences between what carriers charge different driver profiles.

  • Affordability (60%) — rate is the primary driver for most Arizona drivers, with Phoenix metro rates running above the state average.
  • Customer experience (30%) — based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.
  • Coverage options (10%) — measures the range of optional coverages offered in Arizona, from gap insurance to rideshare coverage.

Best Car Insurance in Arizona by Driver Profile

Travelers is a common choice for most Arizona drivers, but those dealing with a DUI can find a cheaper rate with State Farm, and bad-credit or low-income drivers should compare Safeway Insurance.

It earns Arizona's top MoneyGeek score at 4.8 out of 5 and ranks best and cheapest across most profiles. Rates come in at $45 per month for adults, $53 per month after an accident, $40 per month for newer cars, $65 per month for seniors and $97 per month for young drivers. 

Travelers’ affordability score of 5/5 and second-best customer experience in the state support its position as an all-around option, with six optional coverages that include gap insurance and accident forgiveness for drivers who need them.

State Farm offers the lowest rate after a DUI at $55 per month, which is $3 per month below Travelers at $58. That difference adds up over a typical three-year surcharge period. Its local agent network also provides practical support for the SR-22 filing process Arizona requires after a DUI conviction.

Safeway offers the lowest rates for bad-credit and low-income drivers at $58 per month and is worth a direct quote, even though it's not among the featured insurers reviewed on this page. Auto-Owners ranks best for speeding tickets at $54 per month, old cars at $38 per month and low income at $61 per month for drivers who want a higher customer experience score for those profiles. 

Make sure to check the full rate breakdown to get the cheapest car insurance in Arizona.

Adult drivers (26–64), clean record
Travelers
$45
$86
After an at-fault accident
Travelers
$53
$114
After a speeding ticket
Auto-Owners
$54
$111
After a DUI
State Farm
$55
$119
Bad credit
Safeway Insurance
$58
$114
Low income
Safeway Insurance
$58
$114
Senior drivers (65+)
Travelers
$65
$121
Young drivers (16–25)
Travelers
$97
$197

Arizona allows credit scoring, and Safeway's $58 per month minimum for bad credit and low income reflects competitive pricing for those profiles. Safeway isn't among the five featured insurers reviewed on this page, so drivers should request a direct quote to confirm current rates.

Travelers
Best and Cheapest for Adult and Young Drivers

Travelers

Travelers earns a 4.8 out of 5 in MoneyGeek's Arizona analysis and has the lowest rates across most driver profiles. At $45 per month for minimum coverage for a clean-record adult, Travelers offers the lowest rate and pairs it with a top affordability score. For young drivers, its $97 per month minimum is the lowest among Arizona insurers for that profile.
Customer experience scores place Travelers second in Arizona, behind Auto-Owners, which holds the highest score in the state. Travelers' local agent network and claims reputation matter in Arizona, where extreme summer heat, monsoon flooding and long highway commutes contribute to higher claim frequency.
Its six optional coverages include accident forgiveness, gap insurance and rideshare coverage, which supports its position for young drivers managing higher risk exposure.

  • Affordability (60%): 5/5
  • Customer Experience (30%): 4.7/5
  • Coverage Options (10%): 3.9/5

Don't choose Travelers if the widest set of optional coverages is the first priority. Progressive offers nine of them in Arizona, including a diminishing deductible and pet coverage, though its $78 per month minimum for a clean-record adult runs $33 higher than Travelers' $45.

State Farm
Best for Drivers with a DUI

State Farm

State Farm offers the lowest rate for DUI drivers. At $55 per month for minimum coverage, it is the lowest in the state for that profile, $3 per month below Travelers at $58. For an Arizona driver dealing with a DUI conviction and the surcharge that comes with it, that consistent pricing supports its position.

For customer experience, State Farm ranks fourth among Arizona insurers, behind Auto-Owners, Travelers and Progressive. Its local agent model sets it apart. State Farm's agent network averages 4.6 stars nationally, and having a dedicated agent to handle an SR-22 filing and the required documentation after a DUI is a practical advantage. 

Its optional coverages are more limited, with roadside assistance, rental reimbursement and rideshare coverage available.

  • Affordability (60%): 4.7/5
  • Customer Experience (30%): 4.1/5
  • Coverage Options (10%): 3/5

Don't pick State Farm if you need gap insurance or accident forgiveness. Its short list of optional coverages doesn't include either. Travelers' $58 per month DUI minimum is $3 more per month and includes both, alongside rideshare coverage.

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MONEYGEEK VERDICT

Travelers is the top option for most Arizona drivers. It earned the top composite MoneyGeek score at 4.8 out of 5, ranks best and cheapest across the largest number of profiles and delivers a balance of rate and service. State Farm offers a lower rate for DUI-affected drivers at $55 per month, which is $3 per month below Travelers for that profile, and its local agent network is a practical asset when handling an SR-22 filing. 

Safeway is a starting point for bad-credit and low-income drivers at $58 per month for each profile, though drivers should request a direct quote since it isn't among the reviewed insurers on this page. Drivers who prioritize coverage depth over rate should compare Progressive, which offers gap insurance, accident forgiveness and a diminishing deductible among its nine optional coverages. 

Because rates vary by ZIP code and driver profile, comparing quotes directly remains the most reliable way to confirm the right fit.

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RELATED RESOURCES

Best Car Insurance in Arizona by City

Travelers leads all 10 of Arizona's most populous cities at a 4.8/5 MoneyGeek score, an outcome that is unusual among the states MoneyGeek analyzed. Unlike states where the state-level winner and city-level winner frequently diverge, the Arizona state recommendation holds city by city, producing a consistent answer regardless of where a driver lives. 

Rates vary across those cities: Tucson is $69 per month, while Glendale and Peoria reach $83 per month. This table breaks down starting rates by city.

Chandler
Travelers
4.8
$77
Gilbert
Travelers
4.8
$77
Glendale
Travelers
4.8
$83
Mesa
Travelers
4.8
$75
Peoria
Travelers
4.8
$83
Phoenix
Travelers
4.8
$82
Scottsdale
Travelers
4.8
$76
Surprise
Travelers
4.8
$72
Tempe
Travelers
4.8
$76
Tucson
Travelers
4.8
$69

Rates also vary by ZIP code within each city. Phoenix metro neighborhoods with higher accident frequency or hail exposure can see rates above the city average, so pulling quotes for your specific ZIP gives a more accurate starting point.

Summary: Best Car Insurance Providers in Arizona on Average

Travelers leads Arizona's full ranking at 4.8 out of 5 with a 5/5 affordability score and the lowest clean-record rate among the state's top five at $45 per month. Auto-Owners follows at 4.64 out of 5 with the highest customer experience score among the insurers analyzed in the state.

The difference between Travelers' rate advantage and Auto-Owners' service quality defines this market. Safeway, which ranks eighth in the full dataset, does not appear in this summary table but ranks lowest on price for bad-credit and low-income drivers at $58 per month for each profile.

Travelers4.78$6224
Auto Owners4.64$8315
Progressive4.36$10232
State Farm4.33$8246
Geico4.28$8166

How to Find the Best Car Insurance in Arizona for You

The gap between Travelers at $45 per month and Progressive at $78 per month for minimum coverage in Arizona is $396 per year, a real difference in a state where Phoenix metro rates run above the Arizona statewide average.

  1. 1
    Understand Arizona's minimum requirements

    Arizona requires 25/50/15 liability coverage under an at-fault system. The property damage minimum of $15,000 is among the lowest nationally, so drivers should consider higher limits. Check the cheapest car insurance options in Arizona for a full breakdown of rates at each coverage level.

  2. 2
    Account for monsoon season

    Mid-June through September brings hail, flooding and dust storms across Arizona. Comprehensive coverage matters for Arizona drivers managing these seasonal risks. Travelers and Progressive both offer new car replacement as an add-on.

  3. 3
    Know your options after a DUI

    State Farm is the cheapest for DUI profiles at $55 per month, and an SR-22 filing is required in Arizona after a DUI conviction. For more detail on both the rate and the filing process, read more about SR-22 insurance and car insurance after a DUI in Arizona.

  4. 4
    Factor in credit scoring

    Arizona permits insurers to use credit scores as a rating factor. Safeway wins cheapest for bad-credit drivers at $58 per month and is worth a direct quote even though it isn't among the featured insurers reviewed on this page. See low income car insurance in Arizona for additional options.

  5. 5
    Consider bundling home and auto

    Bundling home and auto policies with the same insurer can reduce premium costs. See the best home and auto insurance in Arizona for the top bundle options in the state.

Frequently Asked Questions About Car Insurance in Arizona

Who has the cheapest car insurance in Arizona?

What is the average cost of car insurance in Arizona?

What car insurance coverage is required in Arizona?

Is Arizona a no-fault state?

Does Arizona allow credit scoring for car insurance?

Which Arizona insurer has the best customer service?

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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