Cheapest Car Insurance in Arizona for 2026

Travelers is the cheapest car insurance company in Arizona at $83 a month for full coverage and $41 for minimum. It's also cheapest for teens, seniors and 16 of the state's 20 largest cities.

Written by Mark Fitzpatrick

Updated: September 29, 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 ($423/month at age 16, dropping to $99 by age 25) and seniors ($91/month), and in 16 of the state's 20 largest cities. Phoenix drivers pay $57 a month while Casa Grande drivers pay $41, a $16 gap driven by Phoenix's higher theft rates and crash frequency.

After a speeding ticket or texting violation, Auto-Owners is cheapest at $108 a month. After a DUI, State Farm offers the lowest rate at $122 a month. To compare how each company scores on customer service, claims handling and coverage options, see the best car insurance in Arizona.

Get the cheapest car insurance in Arizona below.

Cheapest Full Coverage: Travelers at $83/month
Cheapest Minimum Coverage: Travelers at $41/month
Cheapest for Teens: Travelers starting at $423/month, dropping to $99 by age 25
Cheapest for Seniors: Travelers at $91/month
Cheapest by City: $41 in Casa Grande to $59 in Peoria
Cheapest after a Speeding Ticket: Auto-Owners at $108/month
Cheapest after an At-Fault Accident: Travelers at $114/month
Cheapest after a DUI: State Farm at $122/month
Cheapest for Poor Credit: Safeway Insurance at $143/month
Cheapest after Texting While Driving: Auto-Owners at $108/month

Cheapest Car Insurance by Coverage Level in Arizona

Travelers is cheapest in Arizona for both minimum coverage at $41 a month and full coverage at $83. For minimum coverage, Travelers is $6 less than GEICO's $47 and $12 less than Auto-Owners' $53, a $72 annual difference for identical coverage. For full coverage, Travelers also holds the highest overall MoneyGeek score at 4.79/5. Auto-Owners earns the highest customer experience score in Arizona at 5.00/5 and charges $108, worth quoting if claims service matters as much as price.

Full coverage costs $42 more a month than minimum in Arizona. Arizona is an at-fault state with no PIP requirement, so minimum coverage pays nothing toward your own vehicle damage or medical bills when you cause a crash. Arizona's monsoon season from July through September generates hail and flash flood claims that only comprehensive coverage pays, and Phoenix recorded 4,700 vehicle thefts in 2025. Use the Arizona car insurance calculator to weigh full coverage against your vehicle's current value.


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

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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 to at renewal. At 24, Progressive is the cheapest for females at $111 a month and remains the cheapest through age 25 at $93. Those two transition ages are where the biggest rate drops happen, so get new quotes at each one and switch car insurance companies if a better rate is available.


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

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, which matters most during the years a teen is still building a driving record. Travelers holds an A++ financial strength rating from AM Best. Rates, scores and coverage details are at the 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, and its Drive Safe & Save program can bring that rate down for safe drivers. Get new quotes at your next renewal since monitoring data that scores poorly can raise rather than lower the final rate.


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, but rates vary significantly by location. Phoenix drivers pay $57 a month and Tucson drivers pay $48, compared to just $41 in Casa Grande, a $16 gap driven by measurable risk.

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

Phoenix recorded 37,472 crashes in 2024, more than any other Arizona city per the Arizona Department of Transportation. The city's High Injury Network covers 79 road segments spanning just 1% of its road miles, identified as the corridors with the highest concentration of fatal and serious injury crashes. Maricopa County accounted for 72.74% of all Arizona crashes in 2024, and Casa Grande's smaller population and lower traffic volume produce the $16 monthly rate difference.

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, and 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, and Travelers at $83 a month is the better option once credit improves.


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

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. The steps below address the specific levers that move the rate in Arizona: the company gap, the 39-month lookback window, credit scoring and telematics programs.

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, a $34 monthly gap for identical coverage. Travelers holds the cheapest rate now, but rates shift at every renewal. A ten-minute quote is enough to catch any change since your last renewal.
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. Lenders require full coverage as a condition of financing.

For vehicles still carrying value, Arizona's monsoon season makes comprehensive coverage particularly relevant. Phoenix averages 10 hail events per year with an average claim cost of $1,200. Use the Arizona car insurance calculator to run the numbers for your vehicle.
3
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 pull your record back 39 months, roughly three years and three months, and they won't lower your rate automatically when the surcharge expires. An at-fault accident adds $31 a month above the clean-record rate at Travelers, and a DUI adds $39. Get new quotes at every renewal while a surcharge is active, and make it a specific calendar reminder for the month it ages off.
4
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, so a better score directly changes what you pay. 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.
5
Enroll in telematics if you drive safely
Enroll in a telematics program if you drive safely and consistently. Two of the five cheapest Arizona insurers offer programs that can lower your rate at renewal, though both can also 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 does not offer a telematics program but provides multi-policy and good driver discounts. Ask your agent what's available on your policy.
6
Add windshield coverage with no deductible
Ask your insurer about full glass coverage with no deductible before your next renewal. Arizona's highways, particularly I-17 between Phoenix and Flagstaff, generate more windshield chip and crack claims than most states, from highway debris and monsoon-blown gravel. Several Arizona insurers offer no-deductible glass replacement as an endorsement, and the cost is typically minimal against a $200 to $400 out-of-pocket windshield repair after a routine freeway drive.

Cheap Arizona Car Insurance: FAQ

Arizona requires minimum liability coverage of 25/50/15, covering $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. These limits apply only to damage you cause to others and pay nothing toward your own vehicle or medical costs. As an at-fault state with no PIP requirement, Arizona drivers must carry proof of insurance at all times, and insurers notify the MVD of all new policies, cancellations and non-renewals.

Yes, if you carry comprehensive coverage. Minimum liability does not cover hail damage, but comprehensive pays for hail, monsoon flooding, wildfire and falling debris after your deductible. Arizona's monsoon season runs July through September, and the Phoenix area averages 10 hail events per year with an average claim cost of $1,200. Full coverage, which includes both comprehensive and collision, starts at $83 a month through Travelers in Arizona.

Arizona insurers apply a DUI surcharge for three to five years after license reinstatement. Separately, Arizona requires an SR-22 filing for three years from the reinstatement date. A single lapse triggers an immediate license suspension and resets the three-year clock.

The DUI stays on your Arizona MVD driving record for five years, though the criminal record is permanent. Insurers do not remove the surcharge automatically when the period ends, so get new quotes at that point.

Phoenix drivers pay $57 a month for full coverage versus $41 in Casa Grande, a $16 monthly difference driven by measured risk. Phoenix recorded 37,472 crashes in 2024, more than any other Arizona city per ADOT, with its High Injury Network covering 79 road segments spanning just 1% of the city's road miles.

Maricopa County alone accounted for 72.74% of all Arizona crashes in 2024, while lower-density cities like Casa Grande generate far fewer claims and insurers price accordingly. Rates also vary by ZIP code within Phoenix, so always quote for your specific address.

No, but Arizona law requires every insurer to offer it with every policy. You can reject it in writing, but about one in eight Arizona drivers carries no insurance at all. If an uninsured driver hits you, UM/UIM is the only coverage that pays your medical costs and vehicle damage. In Phoenix and Tucson, where hit-and-run incidents are more frequent, UM/UIM provides protection that minimum liability coverage does not.

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 accounts for 60% of the score (normalized rates across all companies within each driver profile), customer experience accounts for 30% (based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings and Google Business ratings) and coverage options account for 10% (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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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Sources

Nolo. "Arizona Car Insurance Laws." Accessed September 28, 2026.