Cheap Full Coverage Car Insurance in Arizona

Travelers offers the cheapest full coverage car insurance in Arizona at $86 per month ($1,030 per year). AAA, the most expensive, charges $267 per month ($3,203 per year) for the same coverage, a $2,173 annual gap for an identical driver profile. The Arizona state average for full coverage is $140 per month ($1,677 per year) for an adult male with a clean record and good credit.

Get quotes from at least three providers before committing to coverage. The $2,173 gap between Travelers and AAA is larger than most drivers expect for identical coverage and driver profiles. For broader comparisons, review cheapest car insurance in Arizona and best car insurance in Arizona.

If you want to buy a policy that only meets Arizona's minimum coverage requirements and want to reduce costs further, explore cheap liability car insurance to see how much you could save by dropping comprehensive and collision coverage.

Age drives large rate variation in Arizona. Young drivers pay $3,997 per year on average for full coverage, nearly 2.4 times the adult average of $1,677 per year. Senior drivers pay $2,224 per year, 33% above the adult rate. 

The cheapest providers can shift by age group. Travelers leads for affordability in all age groups but GEICO, State Farm, Safeway Insurance and Auto-Owners are not far behind. For more on how age affects premiums, see car insurance rates by age.

Travelers has the cheapest full coverage for young drivers in Arizona at $197 per month ($2,358 per year). GEICO, State Farm, Safeway Insurance and Auto-Owners are tightly clustered between $2,943 and $3,082 per year

The young-driver average is $3,997 per year, 2.4 times the adult rate, and Allstate, Nationwide, Progressive and Farmers all charge over $4,000 per year for young drivers in Arizona. If you're adding a teen to your policy, compare quotes from multiple providers to avoid defaulting to a high-cost option. See cheap car insurance for teen drivers for additional strategies.

Travelers provides the cheapest full coverage for senior drivers in Arizona at $121 per month ($1,453 per year). State Farm follows at $1,613 per year and GEICO at $1,761 per year. AAA at $4,240 per year is approximately 53% higher than the next-highest provider (Allstate at $2,777 per year).

The senior average is $2,224 per year, 33% above the adult rate. Senior drivers should get another quote when renewing their policy to confirm they're not paying an inflated rate as age-based pricing shifts.

In Arizona, as in all states, high-risk violations increase insurance costs depending on the severity of a violation: a speeding ticket adds $417 per year on average, an at-fault accident adds $773 per year and a DUI conviction adds $990 per year. The DUI table shows the widest spread: AAA reaches $5,451 per year while State Farm holds at $1,397 per year, a $4,054 gap for the same driver with the same violation.

Auto-Owners and Travelers are effectively tied for the cheapest full coverage after a speeding ticket in Arizona. Auto-Owners charges $1,317 per year, no surcharge from the clean-record baseline, while Travelers charges $1,365 per year, a $335 increase from its clean-record rate. State Farm applies a small but nonzero surcharge, moving from $1,315 to $1,397 per year.

The average speeding surcharge across Arizona providers is $417 per year. Most providers apply surcharges between $82 and $920 per year. AAA's surcharge is more than double the statewide average.

Travelers has the cheapest full coverage after an at-fault accident in Arizona at $118 per month ($1,415 per year). State Farm follows at $1,507 per year and Auto-Owners charges $1,848 per year. 

The average at-fault surcharge across Arizona providers is $773 per year. Most providers apply surcharges between $192 and $1,830 per year, with AAA's $1,867 surcharge more than double the statewide average. Get quotes from multiple providers after an accident to confirm you're not overpaying based on a single insurer's surcharge policy. For more, see how much rates go up after an accident.

State Farm provides the cheapest full coverage after a DUI in Arizona at $116 per month ($1,397 per year), beating out Travelers which is the cheapest option for most types of drivers. 

The average DUI surcharge across Arizona providers is $990 per year. State Farm applies an $82 surcharge, the smallest in the table, while AAA applies a $2,248 surcharge on an already-inflated base rate. Arizona requires SR-22 filing after a DUI conviction, which adds a separate filing fee on top of the premium increase. For DUI-specific guidance, see Arizona DUI car insurance and SR-22 car insurance in Arizona.

Poor credit adds $2,327 per year on average in Arizona, pushing the state average from $1,677 to $4,004 per year. Safeway Insurance becomes the cheapest provider at $122 per month ($1,460 per year), a new leader that wasn't competitive in the baseline table. AAA at $11,877 per year with poor credit is one of the highest single rates in MoneyGeek's state data.

Affordability rankings shift sharply with poor credit. Travelers moves from the cheapest clean-record option ($1,030 per year) to second ($2,554 per year), a $1,524 increase. State Farm moves from $1,315 to $6,242 per year, a $4,927 increase that takes it from the second-cheapest to the second-most-expensive provider in Arizona. For strategies to manage rates with credit challenges, see car insurance with bad credit.