The Cheapest Car Insurance in Arizona for 2022

The cheapest car insurance in Arizona is from GEICO, with a minimum coverage policy costing around $381 per year.

For Arizona’s drivers, MoneyGeek compared insurance rates to find the cheapest companies. GEICO is also the most affordable for young and senior drivers, while American Family typically offers the best rates for drivers with a DUI. MoneyGeek found that drivers can save around $1,204 annually on auto insurance in Arizona by shopping around for the best rates.

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Last Updated: 12/1/2022
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MoneyGeek also broke down the cheapest car insurance companies in Arizona by city and identified the best auto insurance firms in Arizona that offer cheap policies without compromising coverage quality.

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Methodology

Why Trust MoneyGeek? Arizona car insurance rates in this study are based on our analysis of data and information from the Arizona Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in Arizona have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Arizona

Insurance providers in Arizona consider various factors when determining their car insurance rates. Liability only coverage is the cheapest car insurance option in Arizona that meets the state’s minimum car insurance requirements.

The cheapest companies for minimum liability coverage in the state are:

  • GEICO: $381 per year
  • Progressive: $527 per year

USAA is the second cheapest car insurance provider in Arizona at an average of $399 per year; however, this coverage is only applicable to former and current military members and their families. The most expensive insurer for minimum liability coverage is Farmers, which costs an average of $853 per year.

CHEAPEST MINIMUM CAR INSURANCE IN ARIZONA

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These prices are only estimates based on rates for an average Arizona driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Arizona

Purchasing full coverage in Arizona allows you to get comprehensive and collision coverage for road accidents and off-road incidents listed in the policy. Drivers also get higher liability limits and reimbursement options in case their car gets damaged in an accident.

Full coverage is more expensive than the minimum liability car insurance policy because it offers more protection. Drivers can get the best offers by comparing quotes from different auto insurers.

The companies that provide the lowest rates for full coverage in Arizona are:

  • GEICO: $801 per year
  • Progressive: $1,048 per year

While USAA is another affordable full coverage insurance option in Arizona at an average cost of $822 per year, it’s only available for current and former military members and their families. The most expensive company for full coverage in the state is Farmers, with an average cost of $1,665 per year.

These prices represent estimates for an average 40-year-old driver, so your rates may be higher or lower based on personal factors. To find the best rates for your needs, we recommend that you review quotes from multiple providers.

The costs are also for a policy that provides comprehensive and collision coverage of $100,000 bodily injury liability per person, $300,000 bodily injury coverage per accident and $100,000 coverage for property damage per accident.

CHEAPEST FULL COVERAGE CAR INSURANCE IN ARIZONA

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The table lists the annual premium cost for comprehensive and collision coverage from various insurance carriers. The prices listed are for the average driver with a clean driving record. Insurance companies determine the cost of your premium based on your specific situation and driving history. Ask for personalized quotes from different providers and find out if you are qualified for discounts.

How to Compare Cheap Arizona Car Insurance Quotes Online

The majority of auto insurance companies in Arizona allow customers to request a quote through their websites.

  • Comparing several quotes for the same coverage limits enables you to find the lowest car insurance rates. For example, if you are looking for a policy with $100,000 in bodily liability coverage per accident, use the same figure across all insurers to find the most affordable option.
  • Using MoneyGeek’s car insurance calculator, you can get estimated costs for the average Arizona driver. For a personalized quote, you’ll have to enter more information.
  • According to MoneyGeek, GEICO, USAA and Progressive are the cheapest car insurance providers in Arizona.

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Cheapest Car Insurance in Arizona for Young Drivers

Age can also greatly affect the cost of car insurance in Arizona. Young people are seen as high-risk drivers due to their inexperience on the road. As such, they tend to pay more for car insurance. The average car insurance rate for a 16-year-old is $3,473 annually, while a 25-year-old pays $1,298 per year. This is a difference of $2,175 per year.

Generally, GEICO is the cheapest car insurance company in Arizona for drivers between age 16 and 25. Based on MoneyGeek’s analysis, it is the most affordable option for every age in that range.

ANNUAL CAR INSURANCE IN ARIZONA FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $3,473
    GEICO
    $2,239
  • $3,205
    GEICO
    $1,888
  • $2,899
    GEICO
    $1,739
  • $2,528
    GEICO
    $1,371
  • $2,262
    GEICO
    $1,259
  • $1,790
    GEICO
    $1,145
  • $1,659
    GEICO
    $1,043
  • $1,504
    GEICO
    $997
  • $1,415
    GEICO
    $954
  • $1,298
    GEICO
    $938

In Arizona, GEICO offers the cheapest car insurance rates for 16-year-old drivers at an average of $2,239 per year. The insurer is also the cheapest car insurance provider for drivers that are 25 years old, with average rates of $938 per year.

To reduce the cost of their car insurance, young drivers can be added to their parent's existing insurance policy, increase their deductible, get good grades or complete a defensive driving class. Teens may also get a graduated instruction permit to drive with adult supervision and do not need to be added to an insurance policy.

Cheapest Car Insurance in Arizona for Seniors

Car insurance for seniors costs more than it does for young adults and middle-aged drivers in Arizona. The average annual cost for senior drivers within the state is $1,417 — $81 more than the average rate for a 40-year-old male.

The cheapest providers of full coverage car insurance for senior drivers in the state are:

  • GEICO: $871 per year
  • Nationwide: $1,141 per year

USAA is the second cheapest option and costs roughly $876 per year. However, these policies are only available for military members, veterans and their families.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Insurers charge seniors more for car insurance since they’re more likely to be involved in car accidents. Data from the National Highway Traffic Safety Administration found that seniors made up 13.4% of all traffic fatalities in Arizona in 2017.

To lower car insurance costs, senior drivers can ask about discounts for safe driving, infrequent driving and vehicle safety features. Aside from discounts, seniors can save money — up to $960 per year — by comparing quotes from different providers.

Cheapest Car Insurance for Drivers With Tickets in Arizona

Arizona drivers with a history of minor violations, such as tickets, pay more than residents with a clean driving record. The average annual cost of insurance for drivers with tickets in the state is $1,647, $363 more than the average cost for drivers with no violations.

Based on MoneyGeek, the most affordable insurers for drivers with a ticket in Arizona are:

  • GEICO: $951 per year
  • American Family: $1,226 per year

USAA is a cheap option exclusive to military drivers with tickets at an average of $1,048 per year. Allstate is the most expensive car insurance company for drivers with tickets at an average of $2,176 per year.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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According to data from the National Highway Traffic Safety Administration (NHTSA), 916 vehicle accidents were caused by distracted driving in Arizona in 2018. Arizona’s state laws prohibit all handheld cellular device use, according to the Governors Highway Safety Association, so getting a ticket for distracted driving or speeding can increase your car insurance rates.

Your auto insurance premium will likely increase if you get a ticket for speeding or distracted driving. According to the Insurance Information Association, auto insurers take your driving record into account when determining individual premiums, so having a ticket or accident can impact your rates. Your insurer can also re-evaluate your rate if you get a moving violation (i.e., a speeding ticket). After several years, these violations can have a lower impact, so shop around for car insurance if it's been several years since you've received a ticket.

Cheapest Car Insurance for Drivers With a DUI in Arizona

If you have a DUI conviction, your car insurance will cost an average of $1,975 per year, in comparison to $1,336 per year for drivers with a clean driving record.

The insurance companies with the lowest full coverage car insurance rates for drivers with a DUI are:

  • American Family: $1,226 per year
  • Progressive: $1,236 per year

Although GEICO and USAA are the cheapest insurers for drivers with a clean record, American Family and Progressive offer the best rates for drivers with a DUI.

AVERAGE CAR INSURANCE RATES WITH A DUI

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Getting a DUI conviction can be costly. Repercussions may include jail time, legal fees and car insurance rate increases. Although you’ll pay more for car insurance with a DUI conviction, comparing car insurance rates from different providers could help you save up to $1,166 per year.

Cheapest in Arizona for Drivers With an At-Fault Accident

Having an at-fault accident on your driving record can lead to higher car insurance premiums. The average cost of auto insurance for drivers with at-fault accidents in Arizona is $1,945 per year.

Based on average rates, the most affordable options for drivers with at-fault accidents in the state are:

  • GEICO: $1,161 per year
  • American Family: $1,226 per year

If you are from a military family, USAA is also one of the top three cheapest options for you. The average cost of a USAA policy for a driver with an at-fault accident is $1,260 per year.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in Arizona for Drivers With Bad Credit

Your credit score is one of the factors insurance companies use to calculate your premiums. People with bad credit tend to pay more for car insurance because insurers think they’re more likely to file claims. On average, Arizona drivers with poor credit scores pay $2,596 per year, more than twice the rate a driver with good credit pays.

The insurance companies that offer the best full coverage rates for drivers with poor credit in Arizona are:

  • GEICO: $1,199 per year
  • Nationwide: $1,600 per year

USAA is the second cheapest option in Arizona at an average of $1,484 per year. This insurer is only available for military members, veterans and their families. The most expensive car insurance provider in the state is CSAA, which averages $7,184 per year.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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Most insurance providers use drivers’ credit scores to predict insurance losses and inform premium costs. In 2021, the average credit score in Arizona was 710, which is lower than the national average of 714. If you have a credit score below 670, you may have to shop around to find affordable car insurance in Arizona. Comparing quotes from different providers could save you up to $5,985 per year.

While a lower credit score may mean paying more for car insurance in the short term, raising your credit score could help you secure better rates in the future.

Cheapest Car Insurance in Arizona for Military Drivers

GEICO is the most affordable auto insurance provider in Arizona, with annual premiums costing an average of $381. Second to GEICO is USAA, which is an equally good option as they cater their products to military drivers. However, they are not as cheap as GEICO, with premiums costing an average of $18 more per year.

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MoneyGeek Top Pick
USAA
  • Average Rate: $399
  • Ranks 2nd cheapest out of 14 insurers

USAA is the second most affordable insurer in Arizona for military and veteran drivers. To lower premiums even further, drivers can qualify for their many common and rare discounts. Aside from offering discounts for bundling insurance policies, drivers can also get discounts for vehicle storage, company loyalty or the age of their car.

Cheapest Car Insurance in Arizona by City

The cost of car insurance can vary greatly depending on your address in Arizona. Drivers who live in Tucson pay an average of $1,167 per year for a full coverage policy. This is the cheapest in the state. Meanwhile, Glendale residents have the most expensive rates. On average, a similar policy costs $1,412 per year in the city.

By learning more about auto insurance costs in your area, you can quickly compare how your location ranks overall.

AVERAGE INSURANCE RATE BY CITY IN ARIZONA

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Car Insurance in Arizona: What You Need to Know

In Arizona, drivers are required to show proof of financial responsibility, which can come in the form of insurance or a certificate of deposit.

Arizona Insurance Requirements

A driver in Arizona must carry evidence of "financial responsibility" in their vehicle, such as an insurance card or car insurance policy. The state also allows proof to come from a wireless device, such as a smartphone.

The minimum auto insurance requirements in Arizona are: $15,000 in bodily injury liability for one person, $30,000 in bodily injury liability per accident and $10,000 in property damage liability. Alternatively, drivers who don’t have insurance can deposit $40,000 with the state treasurer, who will provide them with a certificate of deposit that must be carried in the vehicle.

Arizona doesn’t have a low-cost insurance program for high-risk drivers, but the state offers the Arizona Automobile Insurance Plan (AAIP). These plans tend to be more expensive, which is why it’s important to compare providers first.

It can be difficult to assess how much coverage you need. While a basic insurance policy is the cheapest option, it cannot fully protect a driver in case of an accident. The standard industry recommendation is at least $100,000 for personal injury and $300,000 in accident coverage, along with comprehensive and collision insurance. Comprehensive and collision insurance pays for the cost of repairs to your own vehicle for damage caused by traffic accidents, theft, break-ins or natural disasters.

Additionally, even though only 10.6% of Arizona drivers are uninsured, getting into an accident with one of them can be costly. Uninsured motorist coverage is always a good idea since it protects you from underinsured drivers.

FAQs About Car Insurance in Arizona

Car insurance questions in Arizona often revolve around the costs and coverage options available. We address some of the most common questions within the state below:

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 the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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