The Cheapest Car Insurance in Arizona (April 2023)

Mercury offers the cheapest minimum coverage auto insurance in Arizona. While Root Insurance is the most affordable option for full coverage, young adults, seniors, veterans, and drivers with DUI and poor credit. Auto-Owners Insurance is cheapest for drivers with ticket violations, and sports car.

If you're looking for a mix of price and service quality, take a look at MoneyGeek's ranking of the best auto insurance companies in Arizona.

The cheapest auto insurance companies in Arizona offering minimum coverage policies are:

• Mercury: $325 per year
• Auto-Owners Insurance Co.: $389 per year

The General is Arizona's most expensive auto insurance provider for minimum coverage, with an average yearly premium of $1,354.

Property damage liability and personal injury protection are the only coverages included in Arizona’s minimum auto insurance requirements.

A minimum coverage policy only covers the cost of any harm or injury you cause to others. Consider comprehensive and collision coverage that safeguards you and your car if you want more protection.

These companies provide the lowest rates for full coverage auto insurance in Arizona:

• Root Insurance Company: $715 per year
• GEICO: $848 per year

The General offers the most expensive full coverage auto insurance in Arizona at about $2,832 each year.

Your annual rate may increase if you add comprehensive and collision insurance to your policy. Mercury, for instance, charges $778 more for full coverage than for minimum coverage.

Full coverage auto insurance provides more financial protection if you need to make a claim. It covers losses from off-road occurrences (e.g., theft, flooding and vandalism) and on-road collisions with another vehicle or object.

The amount of auto insurance you need will impact your rates. MoneyGeek’s full coverage sample policy provides the following liability insurance limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident

You could reduce your insurance rates by lowering your liability limits, forgoing comprehensive and collision coverage or raising your deductible. However, you risk having to pay more in the event of an accident or other disaster.

Many car insurance providers provide online quotes. However, you must input your information each time, and the process can take up to 15 minutes.

MoneyGeek provides an auto insurance calculator to assist you in getting a quick quote. Choose your age, driving history and gender from the options below to get started.

The following companies provide the cheapest teen auto insurance in Arizona when added to a parent’s policy:

• Travelers: $1,970 per year for male teens and $1,652 per year for female teens
• GEICO: $2,356 per year for male teens and $2,356 per year for female teens

With an average cost of $5,098 for males and $3,692 for females, Allstate is the most expensive company for most teen customers.

The diminishing car insurance rates for teens as they age results in a significant difference between a 16-year-old and a 19-year-old driver's premiums. Arizona's cheapest car insurance provider for 19-year-old male drivers is Travelers ($1,409 per year).

These premiums are for a 16-year-old insured under their parent's policy. Adding a teen to your policy is significantly less expensive than purchasing a separate insurance policy. A separate policy for a 16-year-old male in Arizona can cost $5,905 per year, as opposed to $3,011 if his parents add him to an existing policy — a $2,894 difference.

Most insurance companies provide discounts to students who attend school away from home and those with good grades. GEICO and Nationwide require exceptional academic achievement for their student discounts.

The following are the cheapest auto insurance providers for Arizonians in their 20s:

• Root Insurance Company: $717 per year
• GEICO: $1,089 per year

The General offers the priciest auto insurance for young adults at $4,438 annually. In Arizona, drivers under 25 pay an additional $2 in annual auto insurance premiums compared with middle-aged drivers.

The following insurance companies offer the lowest rates for senior drivers in Arizona:

• Root Insurance Company: $767 per year
• Auto-Owners Insurance Co.: $824 per year

The General charges seniors the most for auto insurance, about $3,160 annually.

The average annual increase in auto insurance premiums for drivers in Arizona over the age of 60 is roughly $52. However, as drivers approach their 70s and 80s, rates tend to increase.

Seniors in Arizona can get discounts from GEICO, Farmers and Allstate. Comparing companies is the ideal method to discover affordable, competitive coverage because age is just one of several characteristics providers consider when calculating rates.

Auto-Owners Insurance Co provides the lowest rates for drivers with tickets in Arizona. Root Insurance Company offers the cheapest rates for those with records of at-fault accidents and DUIs.

Car insurance companies frequently impose higher premiums for drivers with a history of violations. It is possible to gain access to less expensive insurance options by enrolling in state-approved driving courses and routinely checking your record.

Drivers in Arizona who have a speeding ticket will find the cheapest full coverage insurance from the following providers:

• Auto-Owners Insurance Co: $859 per year
• Root Insurance Company: $877 per year

The General is the costliest car insurance, at $3,688 annually. After receiving a speeding ticket in Arizona, you might have to spend an average of $367 more for auto insurance.

The cheapest full coverage auto insurance providers for Arizona drivers with an at-fault accident on their driving record are:

• Root Insurance Company: $895 per year
• Auto-Owners Insurance Co: $1,252 per year

Drivers with at-fault incidents pay the highest premiums from The General, which averages $4,349 annually. In Arizona, having an at-fault accident record could result in a $682 yearly rate increase.

The cheapest selections for full coverage auto insurance in Arizona if you have a DUI on your record are:

• Root Insurance Company: $790 per year
• Progressive: $1,155 per year

The General provides the most expensive car insurance company for DUI drivers, costing about $4,004 a year. In Arizona, a DUI typically results in a $740 increase in your annual rate.

Arizona's cheapest auto insurance providers for people with bad credit are:

• Root Insurance Company: $910 per year
• Travelers: $1,339 per year

CSAA costs $14,318 yearly for auto insurance, which is more expensive than any other insurer if you have bad credit.

When insurers determine your rate, your credit score plays a significant role. If you have a credit score of less than 580, you may have to pay about $1,768 more for auto insurance in Arizona than someone with a credit score of at least 750.

Drivers with poor credit histories are more likely to file claims. Arizona, like other states, permits companies to check your credit rating when establishing rates.

You can decrease your insurance costs over time by raising your credit score, but you can also look for insurers that give safe driver or other discounts.

The following auto insurance companies in Arizona offer the lowest rates to sports car drivers:

• Auto-Owners Insurance Co: $857 per year
• Travelers: $961 per year

The General offers the most expensive auto insurance for sports car drivers, with an estimated yearly premium of $3,795.

Sports car insurance is typically (but not always) more costly than a policy for a conventional car because these vehicles have higher maintenance and replacement rates. Arizona sports car drivers pay an extra $227 in auto insurance premiums compared with a Toyota Camry LE.

The model of your car can have a significant impact on auto insurance costs. For the above quotes, MoneyGeek used a Ford Mustang. Sports, luxury and electric cars often cost more to insure than other vehicle models.

Root Insurance Company offers the cheapest auto insurance for active-duty service members and veterans in Arizona, with an average annual cost of $715.

USAA also offers affordable auto insurance packages for families of military members. Customers with close military ties can access this company in every state.

The city where you live is one of several variables affecting Arizona's auto insurance prices. Drivers who reside in areas where vandalism, theft and collisions occur more frequently are more likely to make insurance claims and pay higher premiums.

The city with the cheapest auto insurance in Arizona is Surprise, where Auto-Owners Insurance Co offers a policy for $856 a year. Root Insurance Company is the most affordable choice in Phoenix, where a full coverage policy is about $1,157.

For a location-specific comparison of the typical auto insurance costs, see the list of Arizona cities below.

Drivers in Arizona are required to have liability coverage if they cause an accident and/or property damage or injury to others.

To drive legally in Arizona, you only need to buy the minimum required insurance. Note that a minimum coverage policy will provide less financial security in the event of an accident. MoneyGeek advises buying as much liability coverage as possible for increased security.

Your insurance company must submit an SR-22 form to the government if you are charged with a significant traffic violation, such as operating a vehicle while your license is revoked.

MoneyGeek suggests purchasing liability insurance with minimum limits of $100,000 per injury and $300,000 per accident and raising property damage coverage to $100,000.

If you financed the purchase of your car, you might need to purchase comprehensive and collision insurance. Comprehensive insurance will pay for the necessary repairs or replacements if your car is damaged off-road, say by theft or vandalism. Collision insurance pays to repair or replace your car if it is damaged by another car, pole or tree.

The Arizona Automobile Insurance Plan offers auto insurance to high-risk drivers who cannot purchase it on the open market.

A certificate of self-insurance is another way to meet Arizona's standards for auto insurance. The application must be notarized and include the following:

1. Three-year accident/loss history (last three calendar years)
2. Reserve funding amounts
3. List of all pending claims
4. Any of the following:

• A certified public accountant's balance sheet and current profit and loss statement (CPA).
• A $1 million bond with a surety company registered in Arizona for business purposes.

Navigating your auto insurance options can be challenging, given the wide range of selections. Learn more about auto insurance in Arizona by reading our responses to frequently asked questions.