Updated: October 31, 2025
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Travelers offers Arizona's cheapest car insurance at $41 monthly for minimum coverage and $83 monthly for full coverage. GEICO ($51 monthly minimum) and Auto-Owners ($54 monthly minimum) are low-cost alternatives. Read More
Young drivers pay the highest rates at $97 monthly with Travelers, while seniors pay $65 monthly and adult drivers pay just $45 monthly for minimum coverage. Age is the biggest factor in Arizona insurance pricing. Read More
Violations impact your Arizona rates differently. State Farm offers the lowest DUI rate at $55 monthly, while Travelers has the best pricing for speeding tickets ($51 monthly) and accidents ($53 monthly). Read More
To get the cheapest car insurance in Arizona, research average costs and top car insurance companies in Arizona, take advantage of discounts and compare multiple provider quotes.
Travelers offers the cheapest liability-only car insurance in Arizona at $41 monthly or $495 annually, making it nearly half the cost of the most expensive option.
GEICO ($51 monthly) and Auto-Owners ($54 monthly) offer competitive alternatives if Travelers isn't available in your area. State Farm rounds out the top choices at $52 monthly, giving Arizona drivers several affordable options for meeting state requirements.
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Arizona requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident and $15,000 for property damage.
These relatively low limits keep baseline costs affordable but may leave you financially exposed in serious accidents. Minimum coverage meets legal requirements, but consider whether higher liability rates and determine how much car insurance you need. Most drivers in Arizona should get 100/300/100 liabililty coverage.
Look, I get it—you're here hunting for the cheapest car insurance in Arizona, and that's perfectly valid. Just know what you're signing up for: Arizona's $50,000 bodily injury limit per accident might not stretch as far as you think when multiple people get hurt, and skipping comprehensive coverage means you're on your own when monsoon storms hit your car with hail.
Minimum coverage meets your legal requirements, but consider whether those limits actually protect your finances if something serious happens on the road.
Remember, the cheapest insurance isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in Arizona.
Travelers continues leading Arizona's insurance market, offering the cheapest full coverage at $83 monthly or $993 annually—the same company that leads in minimum coverage rates. This consistency makes Travelers a standout choice for Arizona drivers seeking comprehensive protection without breaking the bank.
Auto-Owners ($111 monthly) and GEICO ($111 monthly) provide competitive alternatives for full coverage, while State Farm rounds out the affordable options at $112 monthly.
| Travelers | $83 | $993 |
| Auto Owners | $111 | $1,330 |
| Geico | $111 | $1,334 |
| State Farm | $112 | $1,341 |
| Safeway Insurance | $126 | $1,510 |
We've created additional guides below to help you in your search for the best and cheapest car insurance in Arizona:
Travelers leads Arizona's major urban markets with the most affordable car insurance rates across the state's three largest cities. The company delivers consistent value despite regional variations in local risk factors influencing pricing throughout Arizona's metropolitan areas.
Across Arizona's three largest cities, Travelers maintains the lowest minimum coverage premiums with notable pricing differences by location. Phoenix drivers pay $57 monthly for the cheapest available coverage, while Mesa residents pay $53 monthly. Tucson offers the most affordable rates at $48 monthly, demonstrating how local conditions impact insurance costs.
Urban areas pay higher insurance rates due to increased traffic density, higher crime rates and more frequent claims compared to rural locations. Rates in your specific city can vary widely based on local factors.
| Avondale | Travelers | $50 | -41% |
| Buckeye | Travelers | $55 | -38% |
| Casa Grande | Travelers | $41 | -39% |
| Chandler | Travelers | $55 | -39% |
| Flagstaff | Travelers | $42 | -27% |
| Gilbert | Travelers | $54 | -38% |
| Glendale | Travelers | $58 | -41% |
| Goodyear | Travelers | $46 | -38% |
| Lake Havasu City | Travelers | $32 | -36% |
| Maricopa | Travelers | $46 | -36% |
| Mesa | Travelers | $53 | -38% |
| Oro Valley | Travelers | $46 | -30% |
| Peoria | Travelers | $59 | -40% |
| Phoenix | Travelers | $57 | -42% |
| Scottsdale | Travelers | $53 | -35% |
| Sierra Vista | Travelers | $34 | -37% |
| Surprise | Travelers | $51 | -39% |
| Tempe | Travelers | $54 | -41% |
| Tucson | Travelers | $48 | -38% |
| Yuma | Travelers | $40 | -35% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Travelers offers the most affordable rates for both young drivers (including students and new drivers) and seniors in Arizona, though these age groups see vastly different pricing structures.
Young drivers pay $97 monthly for minimum coverage, while seniors enjoy more favorable rates at $65 monthly. For comparison, adult drivers in the prime 30-65 age range pay just $45 monthly, highlighting how age-based risk factors impact insurance pricing.
| Young Drivers | Travelers | $97 |
| Senior Drivers | Travelers | $65 |
| Adult Drivers | Travelers | $45 |
Young drivers pay Arizona's highest insurance rates due to their statistically higher accident rates and inexperience behind the wheel. Insurance companies view drivers under 25 as high-risk because they're more likely to engage in risky behaviors like speeding and distracted driving, leading to more frequent and severe claims.
Seniors in Arizona pay slightly more than drivers in the 30-65 age range but substantially less than young drivers. While seniors may see some increased rates due to slower reaction times and potential vision issues, their decades of driving experience and generally cautious driving habits keep their premiums well below those of inexperienced drivers.
State Farm and Travelers offer the cheapest car insurance for high-risk drivers in Arizona, with rates varying by violation type. State Farm provides the cheapest coverage for drivers with DUIs at $55 monthly, while Travelers offers the most affordable rates for drivers with speeding tickets ($51 monthly) and accident history ($53 monthly).
| Drivers With A DUI | State Farm | $55 |
| Drivers With An Accident | Travelers | $53 |
| Drivers With A Speeding Ticket | Travelers | $51 |
For drivers requiring SR-22 filings, Travelers delivers the cheapest rates in Arizona at $105 monthly for minimum coverage. SR-22 filings are required for high-risk drivers who've committed serious violations such as DUI convictions, driving without insurance, multiple traffic violations or license suspensions.
This certificate proves to the state that you maintain the required minimum insurance coverage.
Finding the most affordable insurance companies is just one part of reducing your car coverage costs in Arizona. Here are proven strategies to save the most on auto insurance.
Get quotes from at least three to five insurers on our list above. Your actual rate will differ from our estimates based on your specific profile. Be sure you are comparing equal coverage amounts.
Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection. Arizona's minimum coverage ($25,000/$50,000/$15,000) costs less but leaves you exposed to major financial risk. Full coverage protects your finances better but costs more. Match your coverage to your assets and risk tolerance rather than just picking the cheapest option.
Increasing your deductible from $500 to $1,000 can cut your premium by an average of 16% in Arizona. Make sure you have enough savings to cover the higher deductible if you need to file a claim.
Researching average auto insurance costs for your specific profile gives you a measuring stick for how much you'll be saving. Arizona insurers offer discounts that combine: bundling home and auto (10% to 25% off), good driver (10% to 20% off), paid in full (5% to 10% off) and paperless billing (3% to 5% off). Ask your insurer for a complete discount list and apply every discount you qualify for.
Improving your credit and practicing safe driving habits will lead to lower rates overall, making car insurance and other insurance much more affordable.
If you're in the market, getting an older and cheaper car to insure will save you money on your coverage. Reliable cars also cost less to repair, which lowers your insurance rates.
Below are answers to common questions about finding affordable car insurance in Arizona that fits your needs.
Travelers provides the most affordable car insurance in Arizona, with average annual rates of $492 for minimum coverage and $996 for full coverage. GEICO, State Farm, Auto-Owners and Safeway Insurance also offer competitive rates.
Travelers provides the most affordable rates for young drivers in Arizona, with monthly premiums starting at $97 for minimum coverage.
Senior drivers in Arizona can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $65 per month for minimum coverage.
Safeway Insurance provides the most affordable rates for bad-credit drivers in Arizona, with monthly premiums averaging $58 for minimum coverage.
Travelers offers the most affordable car insurance rates for Arizona drivers with an accident history, starting at $53 per month for minimum coverage.
State Farm provides the cheapest car insurance after a DUI in Arizona, with rates of $55 monthly for minimum coverage and $119 monthly for full coverage.
Arizona drivers with a speeding ticket can find the lowest insurance rates with Travelers, charging $51 monthly for minimum coverage and $110 for full coverage.
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options in Arizona.
MoneyGeek gathered car insurance data from the Arizona Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every ZIP code in the state.
Arizona Driver Profile
To identify the cheapest rates, we used a standard driver profile with these details:
We then adjusted this profile to reflect different driver backgrounds and situations.
Standard Coverage Levels in Arizona
We compared the most affordable insurance providers for both minimum and full coverage policies.
The minimum coverage liability limits in Arizona are:
For full coverage policy rates, we used the following liability limits:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
