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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.

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2023

Cheapest Car Insurance Arizona (April 2023)

Cheapest Minimum Liability Car Insurance in Arizona (April 2023)

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.

Company
Annual Premium
Monthly Premium

Mercury

$325

$27

Mercury

$343

$29

Auto-Owners Insurance Co

$379

$32

Auto-Owners Insurance Co

$389

$32

Country Financial

$425

$35

Country Financial

$430

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

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.

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Cheapest Full Coverage Car Insurance in Arizona (April 2023)

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.

Company
Annual Premium
Monthly Premium

Mercury

$325

$27

Mercury

$343

$29

Auto-Owners Insurance Co

$379

$32

Auto-Owners Insurance Co

$389

$32

Country Financial

$425

$35

Country Financial

$430

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

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.

How to Compare Cheap Arizona Car Insurance Quotes Online

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

USAA

Cheapest Car Insurance in Arizona for Teens and Their Families (April 2023)

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.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Travelers

$1,652

$3,033

Travelers

$1,970

$3,702

GEICO

$2,356

$4,774

GEICO

$2,356

$4,607

Nationwide

$2,444

$5,635

State Farm

$2,554

$3,489

Auto-Owners Insurance Co

$2,568

$2,638

Farmers

$2,692

$9,633

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

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.

Cheapest Car Insurance in Arizona for Young Adults (April 2023)

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.

Company
Annual Premium
Monthly Premium

Mercury

$325

$27

Mercury

$343

$29

Auto-Owners Insurance Co

$379

$32

Auto-Owners Insurance Co

$389

$32

Country Financial

$425

$35

Country Financial

$430

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

Cheapest Car Insurance in Arizona for Seniors (April 2023)

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.

Company
Annual Premium
Monthly Premium

Mercury

$325

$27

Mercury

$343

$29

Auto-Owners Insurance Co

$379

$32

Auto-Owners Insurance Co

$389

$32

Country Financial

$425

$35

Country Financial

$430

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

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.

Cheapest Car Insurance in Arizona After a Ticket, Accident or DUI (April 2023)

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.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: Auto-Owners Insurance Co ($859 per year)
Cheapest after an accident: Root Insurance Company ($895 per year)
Cheapest after a DUI: Root Insurance Company ($790 per year)

Cheapest Car Insurance in Arizona After a Ticket

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$379

$32

Auto-Owners Insurance Co

$389

$32

Auto-Owners Insurance Co

$528

$44

GEICO

$553

$46

Root Insurance Company

$558

$46

Mercury

$560

$47

State Farm

$561

$47

Root Insurance Company

$564

$47

Cheapest Car Insurance in Arizona After an Accident

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.

Company
Annual Premium
Monthly Premium

Root Insurance Company

$559

$47

Root Insurance Company

$563

$47

Auto-Owners Insurance Co

$589

$49

Root Insurance Company

$601

$50

Auto-Owners Insurance Co

$605

$50

State Farm

$618

$51

State Farm

$656

$55

Travelers

$676

$56

Cheapest Car Insurance in Arizona After a DUI

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.

Company
Annual Premium
Monthly Premium

Root Insurance Company

$498

$42

Root Insurance Company

$503

$42

Mercury

$524

$44

Root Insurance Company

$533

$44

State Farm

$561

$47

Progressive

$570

$47

State Farm

$596

$50

Progressive

$601

$50

Cheapest Car Insurance in Arizona for Drivers With Poor Credit (April 2023)

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.

Company
Annual Premium
Monthly Premium

Root Insurance Company

$912

$76

Travelers

$1,540

$128

GEICO

$1,679

$140

Nationwide

$1,797

$150

Progressive

$2,083

$174

Farmers

$2,158

$180

Iowa Farm Bureau

$2,237

$186

Allstate

$2,354

$196

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.

Cheapest Car Insurance in Arizona for Sports Cars (April 2023)

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.

Company
Annual Premium
Monthly Premium

Mercury

$325

$27

Mercury

$343

$29

Auto-Owners Insurance Co

$379

$32

Auto-Owners Insurance Co

$389

$32

Country Financial

$425

$35

Country Financial

$430

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

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.

Cheapest Car Insurance in Arizona for Military Drivers (April 2023)

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.

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MoneyGeek Top Pick
Root Insurance
  • $715 per year
  • Ranks first out of 16 insurers for affordability

Like any auto insurer, Root Insurance Company provides common coverages like liability, comprehensive and collision coverages. However, the company does not offer any discounts.

Although Root Insurance Company does not provide unique coverages, it offers Lyft reimbursement under its rental car coverage.

Cheapest Car Insurance in Arizona by City

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.

City
Cheapest Company
Annual Premium

Chandler

Auto-Owners Insurance Co

$1,008

Gilbert

Auto-Owners Insurance Co

$1,041

Glendale

Auto-Owners Insurance Co

$1,115

Mesa

GEICO

$1,012

Peoria

Auto-Owners Insurance Co

$1,019

Phoenix

Root Insurance Company

$1,157

Scottsdale

Auto-Owners Insurance Co

$987

Surprise

Auto-Owners Insurance Co

$856

Car Insurance in Arizona: What You Need to Know

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

Arizona Car Insurance Requirements

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.

  • male icon

    Bodily Injury Liability

    In Arizona, the minimum insurance requirements are $25,000 for a single person injured or killed in an accident.

  • accident2 icon

    Property Damage Liability

    Arizona mandates that drivers carry $15,000 in property damage liability coverage for each accident.

  • money icon

    Compensation in the Event of an Accident

    One of three options may be available to you if a car accident causes you harm or damages your car in Arizona:

    1. Submit a claim with your insurance provider, assuming you have collision coverage or personal injury protection.
    2. Submit a third-party claim to the at-fault driver's insurance provider.
    3. Bring a legal claim for personal harm against the negligent driver.

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.

Car Insurance Alternatives in Arizona

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.

FAQs About Car Insurance in Arizona

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.

Expert Advice on Finding Cheap Car Insurance in Arizona

To help you find credible and accurate insight on car insurance in Arizona, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Arizona should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Arizona take to find affordable car insurance?
Sean Grady
Sean Grady

President at TruView Insurance Group

Nathan Mason
Nathan Mason

Account Manager

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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