Compare Rates and Save on Auto Insurance

widget-location-pin

Mercury offers the cheapest minimum coverage auto insurance in Arizona on average. Depending on what kind of driver you are, Root, Auto-Owners and GEICO might be more affordable.

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.

MoneyGeek Logo IconCheapestCar InsuranceArizona
2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Arizona (September 2023)

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

  • Mercury: $339 per year
  • Auto-Owners: $435 per year

The General is Arizona's most expensive auto insurance provider for minimum coverage, based on the companies MoneyGeek analyzed, with an average yearly premium of $1,445. The General specializes in insuring high-risk drivers.

Property damage liability, bodily injury liability and uninsured/underinsured motorist are the only coverages included in an Arizona minimum coverage auto insurance policy.

Company
Annual Premium
Monthly Premium

Mercury

$339

$28

Mercury

$357

$30

Auto-Owners Insurance Co

$424

$35

Auto-Owners Insurance Co

$435

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

GEICO

$470

$39

Root Insurance Company

$479

$40

Country Financial

$489

$41

Mercury

$495

$41

Country Financial

$495

$41

State Farm

$507

$42

GEICO

$516

$43

Farmers

$538

$45

State Farm

$538

$45

Iowa Farm Bureau

$552

$46

Farmers

$559

$47

Travelers

$568

$47

Progressive

$568

$47

Progressive

$578

$48

Allstate

$583

$49

Iowa Farm Bureau

$587

$49

GEICO

$589

$49

Auto-Owners Insurance Co

$591

$49

Travelers

$593

$49

Travelers

$606

$51

State Farm

$656

$55

Farmers

$658

$55

Progressive

$667

$56

Allstate

$669

$56

Allstate

$677

$56

Country Financial

$689

$57

Hartford

$703

$59

Root Insurance Company

$715

$60

Root Insurance Company

$717

$60

Iowa Farm Bureau

$721

$60

Nationwide

$754

$63

Root Insurance Company

$767

$64

Nationwide

$793

$66

Hartford

$811

$68

GEICO

$858

$72

GEICO

$885

$74

Auto-Owners Insurance Co

$898

$75

Auto-Owners Insurance Co

$935

$78

CSAA

$984

$82

Nationwide

$995

$83

Travelers

$1,024

$85

Farmers

$1,045

$87

Hartford

$1,048

$87

State Farm

$1,055

$88

Farmers

$1,084

$90

GEICO

$1,103

$92

Progressive

$1,111

$93

CSAA

$1,139

$95

Progressive

$1,141

$95

State Farm

$1,146

$95

Travelers

$1,151

$96

Iowa Farm Bureau

$1,174

$98

Travelers

$1,186

$99

Country Financial

$1,198

$100

Allstate

$1,208

$101

Nationwide

$1,232

$103

Mercury

$1,243

$104

Iowa Farm Bureau

$1,251

$104

Mercury

$1,257

$105

Auto-Owners Insurance Co

$1,282

$107

Hartford

$1,296

$108

CSAA

$1,300

$108

Farmers

$1,305

$109

Country Financial

$1,324

$110

Allstate

$1,327

$111

Nationwide

$1,367

$114

Allstate

$1,385

$115

The General

$1,445

$120

Progressive

$1,446

$121

State Farm

$1,456

$121

Hartford

$1,470

$123

Iowa Farm Bureau

$1,479

$123

The General

$1,663

$139

Nationwide

$1,665

$139

Country Financial

$1,713

$143

Mercury

$1,859

$155

Hartford

$2,014

$168

The General

$2,211

$184

CSAA

$2,220

$185

CSAA

$2,547

$212

CSAA

$2,882

$240

The General

$2,951

$246

The General

$3,300

$275

The General

$4,626

$385

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

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
Loading...

Cheapest Full Coverage Car Insurance in Arizona (September 2023)

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

  • Root: $715 per year
  • GEICO: $858 per year

The General offers the most expensive full coverage auto insurance in Arizona at about $2,951 each year.

Your annual rate may increase if you add comprehensive and collision insurance to your policy. Root, for instance, charges $269 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

$339

$28

Mercury

$357

$30

Auto-Owners Insurance Co

$424

$35

Auto-Owners Insurance Co

$435

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

GEICO

$470

$39

Root Insurance Company

$479

$40

Country Financial

$489

$41

Mercury

$495

$41

Country Financial

$495

$41

State Farm

$507

$42

GEICO

$516

$43

Farmers

$538

$45

State Farm

$538

$45

Iowa Farm Bureau

$552

$46

Farmers

$559

$47

Travelers

$568

$47

Progressive

$568

$47

Progressive

$578

$48

Allstate

$583

$49

Iowa Farm Bureau

$587

$49

GEICO

$589

$49

Auto-Owners Insurance Co

$591

$49

Travelers

$593

$49

Travelers

$606

$51

State Farm

$656

$55

Farmers

$658

$55

Progressive

$667

$56

Allstate

$669

$56

Allstate

$677

$56

Country Financial

$689

$57

Hartford

$703

$59

Root Insurance Company

$715

$60

Root Insurance Company

$717

$60

Iowa Farm Bureau

$721

$60

Nationwide

$754

$63

Root Insurance Company

$767

$64

Nationwide

$793

$66

Hartford

$811

$68

GEICO

$858

$72

GEICO

$885

$74

Auto-Owners Insurance Co

$898

$75

Auto-Owners Insurance Co

$935

$78

CSAA

$984

$82

Nationwide

$995

$83

Travelers

$1,024

$85

Farmers

$1,045

$87

Hartford

$1,048

$87

State Farm

$1,055

$88

Farmers

$1,084

$90

GEICO

$1,103

$92

Progressive

$1,111

$93

CSAA

$1,139

$95

Progressive

$1,141

$95

State Farm

$1,146

$95

Travelers

$1,151

$96

Iowa Farm Bureau

$1,174

$98

Travelers

$1,186

$99

Country Financial

$1,198

$100

Allstate

$1,208

$101

Nationwide

$1,232

$103

Mercury

$1,243

$104

Iowa Farm Bureau

$1,251

$104

Mercury

$1,257

$105

Auto-Owners Insurance Co

$1,282

$107

Hartford

$1,296

$108

CSAA

$1,300

$108

Farmers

$1,305

$109

Country Financial

$1,324

$110

Allstate

$1,327

$111

Nationwide

$1,367

$114

Allstate

$1,385

$115

The General

$1,445

$120

Progressive

$1,446

$121

State Farm

$1,456

$121

Hartford

$1,470

$123

Iowa Farm Bureau

$1,479

$123

The General

$1,663

$139

Nationwide

$1,665

$139

Country Financial

$1,713

$143

Mercury

$1,859

$155

Hartford

$2,014

$168

The General

$2,211

$184

CSAA

$2,220

$185

CSAA

$2,547

$212

CSAA

$2,882

$240

The General

$2,951

$246

The General

$3,300

$275

The General

$4,626

$385

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.

Arizona
Female
30-65
Clean

Average Annual Auto Insurance Rates

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

low end

on average

high end

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

USAA

Cheapest Car Insurance in Arizona by Age (September 2023)

Car insurance rates change significantly by your age and who else is on your policy in Arizona. MoneyGeek found that Travelers or Root provide the cheapest rates on average for different age groups.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Travelers
Cheapest for young adults: Root
Cheapest for seniors: Root

Cheapest Car Insurance in Arizona for Teens and Their Families (September 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, and usually, it is illegal for a teen under 18 to buy auto insurance without a parent or guardian as a co-signor. 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

$817

$990

Travelers

$836

$1,023

Travelers

$906

$1,098

Travelers

$936

$1,134

Travelers

$952

$1,164

Travelers

$981

$1,310

Travelers

$1,001

$1,213

Travelers

$1,013

$1,239

Travelers

$1,084

$1,469

Travelers

$1,098

$1,344

Travelers

$1,106

$2,030

Travelers

$1,116

$1,491

Farmers

$1,164

$1,360

GEICO

$1,164

$2,277

State Farm

$1,172

$1,241

Farmers

$1,180

$1,447

Auto-Owners Insurance Co

$1,221

$1,148

Travelers

$1,237

$1,675

Travelers

$1,252

$2,354

Travelers

$1,256

$1,678

Auto-Owners Insurance Co

$1,295

$1,218

State Farm

$1,299

$1,375

State Farm

$1,306

$1,384

Travelers

$1,310

$2,406

Progressive

$1,335

$1,295

Auto-Owners Insurance Co

$1,336

$1,248

Nationwide

$1,384

$1,849

Nationwide

$1,391

$2,066

Auto-Owners Insurance Co

$1,407

$1,315

Nationwide

$1,407

$2,774

Travelers

$1,409

$1,909

State Farm

$1,416

$1,499

Auto-Owners Insurance Co

$1,419

$1,623

Progressive

$1,427

$1,350

Nationwide

$1,447

$3,358

State Farm

$1,471

$1,558

Auto-Owners Insurance Co

$1,485

$1,397

Auto-Owners Insurance Co

$1,485

$1,388

State Farm

$1,498

$1,807

GEICO

$1,501

$3,043

Progressive

$1,513

$1,986

Travelers

$1,516

$2,849

GEICO

$1,522

$2,977

Nationwide

$1,554

$2,076

Progressive

$1,564

$1,517

Auto-Owners Insurance Co

$1,569

$1,465

State Farm

$1,575

$1,668

Progressive

$1,578

$1,493

Auto-Owners Insurance Co

$1,592

$1,498

Allstate

$1,593

$1,351

GEICO

$1,607

$1,464

GEICO

$1,611

$1,142

Allstate

$1,617

$1,372

Allstate

$1,618

$1,373

Nationwide

$1,625

$2,171

Progressive

$1,625

$2,154

State Farm

$1,628

$1,724

Nationwide

$1,629

$2,420

Auto-Owners Insurance Co

$1,635

$1,566

GEICO

$1,635

$1,159

Travelers

$1,652

$3,033

Auto-Owners Insurance Co

$1,675

$1,915

GEICO

$1,681

$1,243

GEICO

$1,684

$3,412

Allstate

$1,694

$1,437

Farmers

$1,700

$6,082

Allstate

$1,700

$1,510

GEICO

$1,706

$1,530

Nationwide

$1,708

$2,537

Progressive

$1,709

$1,617

State Farm

$1,719

$2,074

Allstate

$1,721

$1,463

Progressive

$1,724

$1,672

GEICO

$1,726

$1,275

GEICO

$1,733

$1,229

Progressive

$1,761

$2,311

Farmers

$1,763

$2,534

Auto-Owners Insurance Co

$1,776

$1,701

Farmers

$1,788

$6,593

State Farm

$1,802

$2,168

GEICO

$1,806

$1,335

Allstate

$1,815

$1,542

GEICO

$1,837

$1,674

GEICO

$1,837

$1,648

State Farm

$1,844

$1,953

Allstate

$1,846

$1,569

GEICO

$1,862

$1,376

GEICO

$1,862

$1,320

Farmers

$1,876

$6,714

Farmers

$1,893

$2,799

Auto-Owners Insurance Co

$1,895

$2,167

Farmers

$1,898

$2,219

Allstate

$1,899

$1,731

Farmers

$1,930

$2,773

Farmers

$1,934

$2,261

Progressive

$1,936

$5,542

Progressive

$1,939

$2,545

State Farm

$1,940

$2,340

Progressive

$1,942

$1,884

Allstate

$1,942

$1,650

Farmers

$1,943

$2,383

Nationwide

$1,946

$2,600

Progressive

$1,950

$1,846

Auto-Owners Insurance Co

$1,953

$1,870

State Farm

$1,960

$2,677

Travelers

$1,970

$3,702

Progressive

$1,984

$2,629

Farmers

$1,988

$7,333

Farmers

$2,007

$2,461

GEICO

$2,013

$1,805

GEICO

$2,013

$1,834

Auto-Owners Insurance Co

$2,015

$2,070

Farmers

$2,023

$2,991

Auto-Owners Insurance Co

$2,056

$2,611

Farmers

$2,060

$2,408

Nationwide

$2,084

$3,096

Nationwide

$2,098

$4,136

State Farm

$2,117

$2,546

Farmers

$2,148

$3,087

Progressive

$2,159

$6,191

Progressive

$2,175

$2,882

Farmers

$2,177

$2,670

Allstate

$2,213

$1,965

Auto-Owners Insurance Co

$2,214

$2,275

Farmers

$2,239

$3,311

State Farm

$2,240

$3,059

Nationwide

$2,288

$5,274

Nationwide

$2,288

$5,274

Allstate

$2,295

$2,038

Nationwide

$2,316

$4,566

Nationwide

$2,323

$5,392

Auto-Owners Insurance Co

$2,335

$2,965

GEICO

$2,356

$4,774

GEICO

$2,356

$4,607

Progressive

$2,395

$6,856

State Farm

$2,424

$2,915

Nationwide

$2,444

$5,635

State Farm

$2,472

$3,343

State Farm

$2,554

$3,489

Auto-Owners Insurance Co

$2,568

$2,638

Progressive

$2,630

$7,543

Allstate

$2,653

$2,418

Farmers

$2,692

$9,633

Progressive

$2,694

$7,712

Nationwide

$2,701

$7,214

Nationwide

$2,701

$7,214

Nationwide

$2,708

$6,288

Auto-Owners Insurance Co

$2,720

$3,455

Allstate

$2,761

$2,517

State Farm

$2,833

$3,831

Farmers

$2,870

$10,585

Nationwide

$2,890

$7,720

Progressive

$2,950

$8,461

State Farm

$3,232

$4,371

Allstate

$3,371

$3,091

Allstate

$3,485

$3,196

Allstate

$3,692

$3,386

Allstate

$4,509

$3,841

Allstate

$4,664

$3,972

Allstate

$5,098

$4,342

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens because of their higher accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Most insurance companies provide discounts to students who attend school away from home without a vehicle on campus and those with good grades. GEICO and Nationwide require exceptional academic achievement for their student discounts.

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

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

  • Root: $717 per year
  • GEICO: $1,103 per year

The General offers the priciest auto insurance for young adults at $4,626 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

$339

$28

Mercury

$357

$30

Auto-Owners Insurance Co

$424

$35

Auto-Owners Insurance Co

$435

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

GEICO

$470

$39

Root Insurance Company

$479

$40

Country Financial

$489

$41

Mercury

$495

$41

Country Financial

$495

$41

State Farm

$507

$42

GEICO

$516

$43

Farmers

$538

$45

State Farm

$538

$45

Iowa Farm Bureau

$552

$46

Farmers

$559

$47

Travelers

$568

$47

Progressive

$568

$47

Progressive

$578

$48

Allstate

$583

$49

Iowa Farm Bureau

$587

$49

GEICO

$589

$49

Auto-Owners Insurance Co

$591

$49

Travelers

$593

$49

Travelers

$606

$51

State Farm

$656

$55

Farmers

$658

$55

Progressive

$667

$56

Allstate

$669

$56

Allstate

$677

$56

Country Financial

$689

$57

Hartford

$703

$59

Root Insurance Company

$715

$60

Root Insurance Company

$717

$60

Iowa Farm Bureau

$721

$60

Nationwide

$754

$63

Root Insurance Company

$767

$64

Nationwide

$793

$66

Hartford

$811

$68

GEICO

$858

$72

GEICO

$885

$74

Auto-Owners Insurance Co

$898

$75

Auto-Owners Insurance Co

$935

$78

CSAA

$984

$82

Nationwide

$995

$83

Travelers

$1,024

$85

Farmers

$1,045

$87

Hartford

$1,048

$87

State Farm

$1,055

$88

Farmers

$1,084

$90

GEICO

$1,103

$92

Progressive

$1,111

$93

CSAA

$1,139

$95

Progressive

$1,141

$95

State Farm

$1,146

$95

Travelers

$1,151

$96

Iowa Farm Bureau

$1,174

$98

Travelers

$1,186

$99

Country Financial

$1,198

$100

Allstate

$1,208

$101

Nationwide

$1,232

$103

Mercury

$1,243

$104

Iowa Farm Bureau

$1,251

$104

Mercury

$1,257

$105

Auto-Owners Insurance Co

$1,282

$107

Hartford

$1,296

$108

CSAA

$1,300

$108

Farmers

$1,305

$109

Country Financial

$1,324

$110

Allstate

$1,327

$111

Nationwide

$1,367

$114

Allstate

$1,385

$115

The General

$1,445

$120

Progressive

$1,446

$121

State Farm

$1,456

$121

Hartford

$1,470

$123

Iowa Farm Bureau

$1,479

$123

The General

$1,663

$139

Nationwide

$1,665

$139

Country Financial

$1,713

$143

Mercury

$1,859

$155

Hartford

$2,014

$168

The General

$2,211

$184

CSAA

$2,220

$185

CSAA

$2,547

$212

CSAA

$2,882

$240

The General

$2,951

$246

The General

$3,300

$275

The General

$4,626

$385

Cheapest Car Insurance in Arizona for Seniors (September 2023)

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

  • Root: $767 per year
  • GEICO: $885 per year

The General charges seniors the most for auto insurance, about $3,300 annually.

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

Company
Annual Premium
Monthly Premium

Mercury

$339

$28

Mercury

$357

$30

Auto-Owners Insurance Co

$424

$35

Auto-Owners Insurance Co

$435

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

GEICO

$470

$39

Root Insurance Company

$479

$40

Country Financial

$489

$41

Mercury

$495

$41

Country Financial

$495

$41

State Farm

$507

$42

GEICO

$516

$43

Farmers

$538

$45

State Farm

$538

$45

Iowa Farm Bureau

$552

$46

Farmers

$559

$47

Travelers

$568

$47

Progressive

$568

$47

Progressive

$578

$48

Allstate

$583

$49

Iowa Farm Bureau

$587

$49

GEICO

$589

$49

Auto-Owners Insurance Co

$591

$49

Travelers

$593

$49

Travelers

$606

$51

State Farm

$656

$55

Farmers

$658

$55

Progressive

$667

$56

Allstate

$669

$56

Allstate

$677

$56

Country Financial

$689

$57

Hartford

$703

$59

Root Insurance Company

$715

$60

Root Insurance Company

$717

$60

Iowa Farm Bureau

$721

$60

Nationwide

$754

$63

Root Insurance Company

$767

$64

Nationwide

$793

$66

Hartford

$811

$68

GEICO

$858

$72

GEICO

$885

$74

Auto-Owners Insurance Co

$898

$75

Auto-Owners Insurance Co

$935

$78

CSAA

$984

$82

Nationwide

$995

$83

Travelers

$1,024

$85

Farmers

$1,045

$87

Hartford

$1,048

$87

State Farm

$1,055

$88

Farmers

$1,084

$90

GEICO

$1,103

$92

Progressive

$1,111

$93

CSAA

$1,139

$95

Progressive

$1,141

$95

State Farm

$1,146

$95

Travelers

$1,151

$96

Iowa Farm Bureau

$1,174

$98

Travelers

$1,186

$99

Country Financial

$1,198

$100

Allstate

$1,208

$101

Nationwide

$1,232

$103

Mercury

$1,243

$104

Iowa Farm Bureau

$1,251

$104

Mercury

$1,257

$105

Auto-Owners Insurance Co

$1,282

$107

Hartford

$1,296

$108

CSAA

$1,300

$108

Farmers

$1,305

$109

Country Financial

$1,324

$110

Allstate

$1,327

$111

Nationwide

$1,367

$114

Allstate

$1,385

$115

The General

$1,445

$120

Progressive

$1,446

$121

State Farm

$1,456

$121

Hartford

$1,470

$123

Iowa Farm Bureau

$1,479

$123

The General

$1,663

$139

Nationwide

$1,665

$139

Country Financial

$1,713

$143

Mercury

$1,859

$155

Hartford

$2,014

$168

The General

$2,211

$184

CSAA

$2,220

$185

CSAA

$2,547

$212

CSAA

$2,882

$240

The General

$2,951

$246

The General

$3,300

$275

The General

$4,626

$385

Seniors in Arizona can get discounts from GEICO, Farmers and Allstate. Comparing quotes from numerous 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 for Higher Risk Drivers (September 2023)

In Arizona, Root provides the lowest rates for drivers with tickets, as well as 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.

Auto-Owners is most affordable for drivers with sports cars, and Root is cheapest for people with poor credit.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Root ($877 per year)
Cheapest after an accident: Root ($895 per year)
Cheapest after a DUI: Root ($790 per year)
Cheapest for poor credit: Root ($910 per year)
Cheapest for sports cars: Auto-Owners ($934 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:

  • Root: $877 per year
  • Auto-Owners: $935 per year

The General is the costliest car insurance, at $3,838 annually. After receiving a speeding ticket in Arizona, you might have to spend an average of $409 more for auto insurance.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$424

$35

Auto-Owners Insurance Co

$435

$36

Root Insurance Company

$558

$46

GEICO

$562

$47

Root Insurance Company

$564

$47

State Farm

$580

$48

Mercury

$585

$49

Auto-Owners Insurance Co

$591

$49

GEICO

$594

$49

Root Insurance Company

$598

$50

State Farm

$616

$51

Travelers

$655

$55

Farmers

$663

$55

Country Financial

$669

$56

Country Financial

$678

$57

GEICO

$683

$57

Travelers

$694

$58

Iowa Farm Bureau

$706

$59

Progressive

$711

$59

Mercury

$714

$59

Farmers

$738

$61

State Farm

$751

$63

Progressive

$752

$63

Travelers

$752

$63

Mercury

$756

$63

Iowa Farm Bureau

$761

$63

Farmers

$781

$65

Progressive

$810

$67

Root Insurance Company

$877

$73

Root Insurance Company

$879

$73

Auto-Owners Insurance Co

$898

$75

Hartford

$905

$75

Nationwide

$917

$76

Iowa Farm Bureau

$922

$77

Auto-Owners Insurance Co

$935

$78

Root Insurance Company

$939

$78

Country Financial

$944

$79

Nationwide

$956

$80

Hartford

$1,007

$84

Allstate

$1,027

$86

GEICO

$1,057

$88

GEICO

$1,062

$88

Nationwide

$1,158

$97

Allstate

$1,178

$98

Allstate

$1,194

$99

State Farm

$1,194

$100

CSAA

$1,196

$100

Auto-Owners Insurance Co

$1,282

$107

State Farm

$1,294

$108

GEICO

$1,306

$109

Hartford

$1,354

$113

Travelers

$1,355

$113

Farmers

$1,380

$115

CSAA

$1,402

$117

Farmers

$1,409

$117

Travelers

$1,457

$121

Travelers

$1,487

$124

Iowa Farm Bureau

$1,501

$125

Nationwide

$1,515

$126

Progressive

$1,541

$128

Progressive

$1,571

$131

CSAA

$1,596

$133

Country Financial

$1,597

$133

Farmers

$1,600

$133

Iowa Farm Bureau

$1,618

$135

State Farm

$1,647

$137

Nationwide

$1,650

$138

Hartford

$1,745

$145

Country Financial

$1,758

$147

The General

$1,776

$148

Progressive

$1,843

$154

Hartford

$1,880

$157

Iowa Farm Bureau

$1,892

$158

Nationwide

$1,949

$162

The General

$2,039

$170

Allstate

$2,044

$170

Mercury

$2,169

$181

Allstate

$2,266

$189

Country Financial

$2,289

$191

Allstate

$2,343

$195

Mercury

$2,399

$200

The General

$2,549

$212

Hartford

$2,675

$223

CSAA

$2,734

$228

Mercury

$2,786

$232

CSAA

$3,145

$262

CSAA

$3,555

$296

The General

$3,838

$320

The General

$4,041

$337

The General

$5,347

$446

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: $895 per year
  • GEICO: $1,356 per year

Drivers with at-fault accidents pay the highest premiums from The General, which averages $4,528 annually. In Arizona, having an at-fault accident record could result in a $774 yearly rate increase.

mglogo icon
MONEYGEEK EXPERT TIP

Accident forgiveness may stop your auto insurance rate from increasing after your first at-fault accident. It is available on auto policies from multiple insurers for an additional cost, while others, like GEICO, may give it to you at no cost for having a clean driving record.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Company
Annual Premium
Monthly Premium

Root Insurance Company

$559

$47

Root Insurance Company

$563

$47

Root Insurance Company

$601

$50

State Farm

$638

$53

Auto-Owners Insurance Co

$659

$55

Auto-Owners Insurance Co

$676

$56

State Farm

$678

$56

Travelers

$698

$58

GEICO

$720

$60

Travelers

$738

$61

GEICO

$780

$65

Mercury

$802

$67

Travelers

$805

$67

State Farm

$826

$69

Country Financial

$830

$69

Progressive

$833

$69

GEICO

$851

$71

Country Financial

$861

$72

Farmers

$868

$72

Progressive

$892

$74

Root Insurance Company

$895

$75

Root Insurance Company

$895

$75

Auto-Owners Insurance Co

$918

$77

Progressive

$940

$78

Allstate

$946

$79

Iowa Farm Bureau

$953

$79

Farmers

$956

$80

Root Insurance Company

$962

$80

Farmers

$998

$83

Mercury

$1,007

$84

Mercury

$1,010

$84

Iowa Farm Bureau

$1,029

$86

Hartford

$1,076

$90

Allstate

$1,083

$90

Allstate

$1,101

$92

Country Financial

$1,119

$93

Hartford

$1,234

$103

Iowa Farm Bureau

$1,246

$104

State Farm

$1,304

$109

Auto-Owners Insurance Co

$1,317

$110

GEICO

$1,356

$113

Auto-Owners Insurance Co

$1,365

$114

Nationwide

$1,372

$114

GEICO

$1,385

$115

State Farm

$1,412

$118

Travelers

$1,426

$119

Nationwide

$1,429

$119

CSAA

$1,457

$121

Travelers

$1,543

$129

Travelers

$1,564

$130

GEICO

$1,609

$134

Hartford

$1,689

$141

Farmers

$1,701

$142

Nationwide

$1,719

$143

CSAA

$1,730

$144

Farmers

$1,752

$146

Progressive

$1,791

$149

State Farm

$1,799

$150

Progressive

$1,847

$154

Country Financial

$1,870

$156

Allstate

$1,881

$157

Auto-Owners Insurance Co

$1,884

$157

Farmers

$1,941

$162

Country Financial

$1,963

$164

CSAA

$1,983

$165

Iowa Farm Bureau

$2,028

$169

Hartford

$2,032

$169

Allstate

$2,088

$174

The General

$2,107

$176

Progressive

$2,115

$176

Allstate

$2,154

$179

Iowa Farm Bureau

$2,186

$182

Hartford

$2,193

$183

Nationwide

$2,269

$189

Nationwide

$2,463

$205

The General

$2,537

$211

Country Financial

$2,543

$212

Iowa Farm Bureau

$2,557

$213

The General

$2,784

$232

Nationwide

$2,892

$241

Mercury

$2,941

$245

Hartford

$3,145

$262

CSAA

$3,370

$281

Mercury

$3,413

$284

Mercury

$3,704

$309

CSAA

$3,911

$326

CSAA

$4,435

$370

The General

$4,528

$377

The General

$4,985

$415

The General

$5,857

$488

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: $790 per year
  • State Farm: $1,294 per year

CSAA provides the most expensive car insurance company for DUI drivers, costing about $4,168 a year. In Arizona, a DUI typically results in a $843 increase in your annual rate.

Company
Annual Premium
Monthly Premium

Root Insurance Company

$498

$42

Root Insurance Company

$503

$42

Root Insurance Company

$533

$44

Mercury

$547

$46

State Farm

$580

$48

State Farm

$616

$51

Progressive

$626

$52

Mercury

$632

$53

Progressive

$660

$55

Travelers

$710

$59

Mercury

$719

$60

Progressive

$722

$60

State Farm

$751

$63

Travelers

$752

$63

Farmers

$766

$64

Root Insurance Company

$790

$66

Root Insurance Company

$792

$66

Travelers

$822

$69

Country Financial

$840

$70

Root Insurance Company

$846

$71

Country Financial

$850

$71

Farmers

$856

$71

Farmers

$884

$74

Auto-Owners Insurance Co

$894

$74

Auto-Owners Insurance Co

$917

$76

Hartford

$1,009

$84

GEICO

$1,107

$92

GEICO

$1,149

$96

Hartford

$1,152

$96

Allstate

$1,170

$98

Country Financial

$1,181

$98

State Farm

$1,194

$100

GEICO

$1,220

$102

Auto-Owners Insurance Co

$1,245

$104

Iowa Farm Bureau

$1,283

$107

State Farm

$1,294

$108

Progressive

$1,315

$110

Progressive

$1,330

$111

Allstate

$1,344

$112

Allstate

$1,356

$113

Iowa Farm Bureau

$1,384

$115

Travelers

$1,485

$124

Farmers

$1,515

$126

CSAA

$1,522

$127

Farmers

$1,567

$131

Hartford

$1,570

$131

Travelers

$1,604

$134

Progressive

$1,610

$134

Travelers

$1,630

$136

State Farm

$1,647

$137

Iowa Farm Bureau

$1,676

$140

Farmers

$1,735

$145

Auto-Owners Insurance Co

$1,737

$145

Nationwide

$1,757

$146

Auto-Owners Insurance Co

$1,795

$150

CSAA

$1,811

$151

Nationwide

$1,813

$151

Country Financial

$1,876

$156

The General

$1,933

$161

Hartford

$1,983

$165

GEICO

$1,995

$166

Mercury

$1,996

$166

Country Financial

$2,043

$170

CSAA

$2,073

$173

Mercury

$2,088

$174

Nationwide

$2,103

$175

GEICO

$2,106

$176

Hartford

$2,135

$178

GEICO

$2,166

$180

The General

$2,274

$190

Allstate

$2,286

$190

Auto-Owners Insurance Co

$2,485

$207

Allstate

$2,534

$211

Mercury

$2,609

$217

Allstate

$2,623

$219

The General

$2,663

$222

Country Financial

$2,693

$224

Iowa Farm Bureau

$2,729

$227

Nationwide

$2,937

$245

Iowa Farm Bureau

$2,941

$245

Hartford

$3,043

$254

Nationwide

$3,132

$261

Iowa Farm Bureau

$3,439

$287

Nationwide

$3,561

$297

CSAA

$3,583

$299

The General

$4,168

$347

CSAA

$4,168

$347

The General

$4,487

$374

CSAA

$4,718

$393

The General

$5,595

$466

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

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

  • Root: $910 per year
  • GEICO: $1,367 per year

CSAA costs $21,178 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 $2,242 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

$1,604

$134

GEICO

$1,699

$142

Farmers

$2,039

$170

Nationwide

$2,102

$175

Progressive

$2,372

$198

Allstate

$2,379

$198

Iowa Farm Bureau

$2,621

$218

Country Financial

$2,674

$223

Mercury

$2,703

$225

Auto-Owners Insurance Co

$3,740

$312

Hartford

$3,747

$312

The General

$6,256

$521

State Farm

$7,590

$633

CSAA

$24,386

$2,032

Root Insurance Company

$572

$48

Mercury

$684

$57

Travelers

$779

$65

GEICO

$878

$73

Farmers

$954

$79

Progressive

$970

$81

Allstate

$1,115

$93

Country Financial

$1,167

$97

Nationwide

$1,197

$100

Iowa Farm Bureau

$1,256

$105

Hartford

$1,799

$150

Auto-Owners Insurance Co

$1,847

$154

State Farm

$2,865

$239

The General

$2,878

$240

CSAA

$10,639

$887

Root Insurance Company

$910

$76

GEICO

$1,367

$114

Travelers

$1,394

$116

Farmers

$1,692

$141

Nationwide

$1,725

$144

Progressive

$1,877

$156

Mercury

$1,915

$160

Country Financial

$2,024

$169

Allstate

$2,074

$173

Iowa Farm Bureau

$2,264

$189

Hartford

$2,671

$223

Auto-Owners Insurance Co

$2,739

$228

The General

$4,342

$362

State Farm

$5,856

$488

CSAA

$21,178

$1,765

Mercury

$477

$40

Root Insurance Company

$565

$47

Travelers

$716

$60

GEICO

$719

$60

Farmers

$779

$65

Progressive

$824

$69

Country Financial

$838

$70

Nationwide

$951

$79

Allstate

$971

$81

Iowa Farm Bureau

$1,047

$87

Hartford

$1,351

$113

Auto-Owners Insurance Co

$1,360

$113

The General

$1,933

$161

State Farm

$2,352

$196

CSAA

$9,075

$756

Root Insurance Company

$975

$81

GEICO

$1,352

$113

Travelers

$1,427

$119

Nationwide

$1,541

$128

Farmers

$1,641

$137

Progressive

$1,796

$150

Mercury

$1,799

$150

Country Financial

$1,857

$155

Iowa Farm Bureau

$2,101

$175

Allstate

$2,266

$189

Hartford

$2,406

$201

Auto-Owners Insurance Co

$2,624

$219

The General

$4,452

$371

State Farm

$5,398

$450

CSAA

$18,007

$1,501

Mercury

$489

$41

Root Insurance Company

$605

$50

Travelers

$757

$63

GEICO

$762

$63

Farmers

$810

$68

Country Financial

$824

$69

Progressive

$841

$70

Nationwide

$903

$75

Iowa Farm Bureau

$971

$81

Allstate

$1,126

$94

Hartford

$1,323

$110

Auto-Owners Insurance Co

$1,325

$110

The General

$2,168

$181

State Farm

$2,213

$184

CSAA

$7,404

$617

Drivers with poor credit histories are more likely to file claims. Arizona, like other states, permits companies to check your credit history 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 (September 2023)

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

  • Auto-Owners: $934 per year
  • GEICO: $990 per year

The General offers the most expensive auto insurance for sports car drivers, with an estimated yearly premium of $3,924.

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 $148 in auto insurance premiums compared with a Toyota Camry LE.

Company
Annual Premium
Monthly Premium

Mercury

$339

$28

Mercury

$357

$30

Auto-Owners Insurance Co

$424

$35

Auto-Owners Insurance Co

$435

$36

Root Insurance Company

$446

$37

Root Insurance Company

$450

$38

GEICO

$470

$39

Root Insurance Company

$479

$40

Country Financial

$489

$41

Mercury

$495

$41

Country Financial

$495

$41

State Farm

$507

$42

GEICO

$516

$43

Farmers

$538

$45

State Farm

$538

$45

Iowa Farm Bureau

$552

$46

Farmers

$559

$47

Travelers

$568

$47

Progressive

$568

$47

Progressive

$578

$48

Allstate

$583

$49

Iowa Farm Bureau

$587

$49

GEICO

$589

$49

Auto-Owners Insurance Co

$591

$49

Travelers

$593

$49

Travelers

$606

$51

State Farm

$656

$55

Farmers

$658

$55

Progressive

$667

$56

Allstate

$669

$56

Allstate

$677

$56

Country Financial

$689

$57

Hartford

$703

$59

Iowa Farm Bureau

$721

$60

Nationwide

$754

$63

Nationwide

$793

$66

Hartford

$811

$68

Auto-Owners Insurance Co

$901

$75

GEICO

$932

$78

Farmers

$933

$78

Auto-Owners Insurance Co

$934

$78

CSAA

$984

$82

GEICO

$990

$82

Farmers

$990

$83

Travelers

$994

$83

Nationwide

$995

$83

Travelers

$1,001

$83

Hartford

$1,048

$87

CSAA

$1,139

$95

Travelers

$1,167

$97

Farmers

$1,189

$99

GEICO

$1,224

$102

Progressive

$1,247

$104

State Farm

$1,279

$107

Auto-Owners Insurance Co

$1,281

$107

CSAA

$1,300

$108

Nationwide

$1,331

$111

State Farm

$1,389

$116

Allstate

$1,415

$118

The General

$1,445

$120

Progressive

$1,448

$121

Nationwide

$1,485

$124

Allstate

$1,525

$127

Allstate

$1,623

$135

The General

$1,663

$139

State Farm

$1,785

$149

Nationwide

$1,809

$151

Progressive

$1,846

$154

The General

$2,211

$184

The General

$3,924

$327

The General

$3,949

$329

The General

$5,614

$468

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 (September 2023)

Root 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, at $816 per year, for families of military members. Customers with close military ties can access this company in every state. You can also consider GEICO — it has discounts available to active and retired military members and those in the Reserves or National Guard.

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

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

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

Cheapest Car Insurance in Arizona by City

The city and ZIP code where you live are 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 offers a policy for $906 a year. Root is the most affordable choice in Glendale, where a full coverage policy is about $1,162.

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

City
Cheapest Company
Annual Premium

Chandler

Root Insurance Company

$1,039

Gilbert

Root Insurance Company

$1,044

Glendale

Root Insurance Company

$1,162

Mesa

GEICO

$1,030

Peoria

Auto-Owners Insurance Co

$1,079

Phoenix

Root Insurance Company

$1,157

Scottsdale

Auto-Owners Insurance Co

$1,031

Surprise

Auto-Owners Insurance Co

$906

Tempe

GEICO

$1,084

Tucson

GEICO

$945

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 Arizona Department of Transportation if you are charged with a significant traffic violation, such as operating a vehicle while your license is revoked or a DUI/DWI.

  • 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 for a better level of financial protection.

If you financed the purchase of your car or are leasing it, 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?
Nathan Mason
Nathan Mason

Account Manager

Sean Grady
Sean Grady

President at TruView Insurance Group

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.


sources