Because car insurance rates are calculated based on personalized factors like age, driving history and location, getting quotes from multiple companies can help you find the best rates and coverage in Arizona. MoneyGeek ranked the top auto insurance providers in the state based on pricing, customer satisfaction, financial strength and more to help you get started. Comparing car insurance quotes from some of the top-rated providers in Arizona could help you save up to $1,204.
The Best Cheap Arizona Car Insurance Quotes for 2021
The Cheapest and Best Car Insurance in Arizona
Insurance providers in Arizona consider various factors when determining their car insurance rates. A liability-only coverage package is the cheapest option in Arizona that meets the state’s minimum car insurance requirements.
The cheapest companies for minimum liability coverage in the state are:
- GEICO: $366 per year
- USAA: $383 per year (this coverage is only applicable to former and current military members and their families)
The most expensive insurer for minimum liability coverage is MetLife, which costs an average of $983 per year.
Average Cost for Minimun Liability Coverage
The above costs are approximate annual car insurance premiums for the average driver in Arizona. They represent a policy with minimum liability coverage. Comparing quotes from different companies can help you find the best price for your car insurance.
These prices are only estimates based on rates for an average Arizona driver and should not be used to compare insurance prices.
In Arizona, the minimum liability car insurance policy only protects you against bodily injury and property damage liability. It does not cover personal medical costs and vehicle damage. Arizona residents seeking a plan that includes personal injury costs and higher liability limits will need to get a full coverage policy.
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 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 insurers.
The companies that provide the lowest rates for full coverage in Arizona are:
- GEICO: $770 per year
- USAA: $790 per year (only available for military members, veterans and their families)
The most expensive company for this coverage is MetLife, with an average cost of $1,974 per year.
These prices represent estimates for an average 40-year-old driver, and your rates may be higher or lower based on many factors. You may need to review quotes from different providers to find the best rates for your needs.
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.
Average Comprehensive and Collision Rates in Arizona
The table lists the annual premium cost for comprehensive and collision coverage from various insurance carriers. 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.
The Best Car Insurance Companies in Arizona for 2021
According to MoneyGeek’s research, the best car insurance companies in Arizona for most drivers are:
- Best Overall: GEICO
- Runner-up: State Farm
USAA received the highest score in Arizona by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
While the cost of car insurance is important, it is necessary to consider other factors like claims experience, customer satisfaction and financial strength. With these pieces of information, you’ll be able to find the best car insurance in Arizona.
MoneyGeek came up with a unique rating system after assessing rating metrics from J.D. Power and AM Best, along with industry standards for company ratings and reviews. After compiling these metrics, MoneyGeek calculated each final score out of 100.
USAA offers cheap car insurance across the country and in Arizona. It scores highly across various factors like claims processing, affordability and customer satisfaction. While USAA stands out for low car insurance rates, only former and current military members and their families are eligible.
USAA is renowned for its low car insurance rates. Arizona drivers in the military can benefit from subsidized premiums for drivers whose parents are also USAA policyholders. Current military members who garage their car on base are also eligible for discounts.Read MoneyGeek's USAA auto Insurance Review
GEICO’s user satisfaction and claims processing scores are high. The company is also one of the most affordable insurers in Arizona, as it offers lower rates for comprehensive and collision insurance than any competitor.
GEICO’s user satisfaction scores and claims processing capability may be lower than USAA's. However, GEICO policyholders in Arizona get some of the best rates available. Customers can easily get a quote and track claims status online. The company’s mobile app also facilitates simple claims processing and tracking.Read MoneyGeek's GEICO auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Arizona
Market share is measured by dividing the number of insurance policies underwritten by a specific company by the total number of insurance policies in the state. The three largest insurers in Arizona are GEICO, with a market share of 15.7%, State Farm with 15.5% and Progressive with 12%.
The higher the market share, the more likely it is that the company is financially stable. However, financial stability is not the only factor drivers need to consider when choosing the best car insurance provider for their needs.
- CompanyMarket Share
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.
- You can enter your ZIP code in the calculator below to compare quotes or use MoneyGeek’s scoring system to find the best companies, then source your quote directly from their websites.
- According to MoneyGeek, GEICO, USAA and Progressive are the cheapest car insurance providers in Arizona.
What Is the Average Cost of Car Insurance in Arizona?
Annual premiums for car insurance depend on your personal circumstances. MoneyGeek calculated rates for comprehensive and collision insurance for the average driver: a 40-year-old male with a clean record who drives a Toyota Camry. Your age, coverage level, credit score, driving history and location all factor into your average premium costs.
- Average Driver: $1,284
- DUI: $1,898
- Speeding Ticket: $1,593
- Poor Credit Score: $2,592
- Seniors: $1,362
- Students: $3,084
Arizona drivers caught driving under the influence will pay more for car insurance than drivers with a clean record because DUIs are considered high-risk offenses. If you have a DUI, you will pay $1,898 on average per year in Arizona. If you have a clean driving history, you pay an average of $1,284.
The insurance companies with the lowest full coverage car insurance rates for drivers with a DUI are:
- American Family: $1,178 per year
- Progressive: $1,188 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
According to the Centers for Disease Control and Prevention (CDC), 2,349 people in Arizona were killed in crashes involving a drunk driver from 2009 to 2018. Additionally, 1.1% of adults in the state reported driving after drinking too much (in the 30 days prior to being surveyed).
Getting a DUI can be costly. The financial repercussions may include legal fees, court fees and alcohol education treatment programs. Additionally, your car insurance rates will likely increase. After a DUI, it may be best to shop around for car insurance to find the lowest rate for your situation.
Preventing a DUI is the best way to avoid paying more for car insurance and other fees. Spending money on a taxi, rideshare or another service to help you get home safely could also save you thousands of dollars in the long run. Following a DUI, you could pay up to $40,000 in increased auto insurance premiums over the course of 13 years.
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 $1,593, $309 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: $914 per year
- USAA: $1,007 per year (exclusive to military drivers)
Much like they offer the lowest average rates for drivers with clean records, GEICO and USAA also have the best prices for drivers with tickets.
Average Car Insurance Rates With a Ticket
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.
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 $2,592 per year, more than twice the rate a typical driver with good credit pays.
The insurance companies that offer the best full coverage rates for drivers with poor credit in Arizona are:
- GEICO: $1,152 per year
- USAA: $1,426 per year (only available for military members, veterans and their families)
USAA and GEICO are the insurers of choice for cost-conscious drivers with bad credit scores in Arizona.
Average Car Insurance Rates for Drivers With Bad Credit
According to Experian, the average credit score in Arizona is 696, which is lower than the national average of 703. Most insurance providers use credit scores as one factor to inform premium costs to predict insurance losses. If you have a credit score below 670, you may have to shop around to find affordable car insurance in Arizona.
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.
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 about $78 higher than the rate for a 40-year-old male.
The cheapest providers of full coverage car insurance for senior drivers in the state are:
- GEICO: $837 per year
- USAA: $842 per year (only available for military members, veterans and their families)
Average Car Insurance Rates for Seniors
Seniors may experience a rise in insurance costs as they age. According to the National Highway Traffic Safety Administration data, 184 adults ages 65 and older were killed in traffic crashes in Arizona in 2017. Seniors made up 13.4% of all traffic fatalities in the state during the same year.
Driver safety courses for seniors may help you stay safe on the road and lower your car insurance costs. Senior drivers can ask about discounts for safe-driving, infrequent driving and for having a vehicle with good safety features.
In Arizona, driver’s licenses are valid until age 65, though drivers younger than 65 may be requested to renew their license photo or take a vision test every 12 years. The renewal process for older adults includes the following condition: People ages 65 and older are required to renew their driver’s licenses in person and pass a vision test every five years.
Student drivers in Arizona pay more for car insurance because they are considered less experienced and high-risk drivers. They pay an average of $3,084 per year, roughly two-and-a-half times what the average driver pays.
The cheapest carriers for full coverage car insurance for students in Arizona are:
- GEICO: $1,879 per year
- Nationwide: 2,608 per year
GEICO is the most affordable option for young student drivers in Arizona. While USAA ranks higher than Nationwide in several other categories, Nationwide offers better rates for students.
Average Car Insurance Rates for Students
Arizona teens using a graduated instruction permit to drive with adult supervision do not need to be added to an insurance policy. But once they're driving on their own, they will need to be insured. Keep costs in check by increasing your deductible, asking about a good student discount, enrolling your teen in a defensive driving class and letting him or her drive only a mid-sized sedan with advanced crash protection.
In Arizona, teens may secure a graduated instruction permit at age 15, but the teen must have a licensed driver who is at least 21 years of age seated in the front passenger seat at all times. To operate any vehicle that does not require a motorcycle or commercial driver license, the teen must have completed 20 hours of supervised, daytime driving practice and 10 hours of supervised, nighttime driving practice — a total of 30 hours — before applying for a graduated driver license. Additionally, Instruction Permit holders may not use a wireless communication device for any reason except during an emergency in which stopping the vehicle is impossible or could create an additional emergency or safety hazard.
If a student drives but is moving to another state for college, parents have to notify the insurer about the move (even if the student is leaving the car with their parents). Students may want to stay on their parent’s policy to save money. If students are planning to drive at college in another state, be aware that the policy matches that state's minimum requirements for insurance.
The above table illustrates an estimation of what parents in Arizona can expect to pay for their teen or college-aged student drivers.
Insurance Rate Information for Military Drivers and Veterans
More than 18,000 active-duty military personnel and more than half a million veterans live in Arizona. Veterans in Arizona are exempt from paying vehicle registration fees, but only if they are processed in person or by mail; active-duty military who must apply or renew their registration online likely won't receive the same benefit.
Many insurance companies offer discounts to Arizona veterans and active-duty military on their car insurance, with some selling policies exclusively to veterans, their spouses and family members. Legacy, Armed Forces Insurance and USAA are among the companies licensed in Arizona that cater to military personnel and veterans. Discounts are not automatic, though, as veterans still need to show a clean driving record for the best savings.
Comparing quotes is always a good idea, but active enlisted personnel will also want to check if an insurance company will pause your policy if a vehicle is garaged during deployment. In addition, the local VFW will have information on insurance companies catering to veterans.
Average Rates for Arizona service members
Car Insurance in Arizona: What You Need to Know
Arizona law requires liability insurance through a company authorized to do business in this state for every motor vehicle operated on roads, including golf carts, motorcycles and mopeds. If you plan to take your car out of circulation to fix or restore it, you can file a de-insurance certificate, which keeps the registration from being suspended.
Proof of Insurance in Arizona
Arizona mandates that drivers must carry evidence of "financial responsibility" within their vehicle, which typically comes in the form of an insurance card, car insurance policy or another method of proof (see "Alternatives to Insurance" below). There are two times that drivers may need to show proof of insurance: when a law enforcement officer requests to see it or after an accident. If you've misplaced your card or policy, don't worry: the state allows you to show proof of financial responsibility to an officer via a wireless device, such as a smartphone.
Minimum Liability Insurance Requirements in Arizona
In 1972, Arizona began requiring all drivers to carry $15,000 in liability insurance to pay for injuries during an accident. Unsurprisingly, experts think this number is much too low to truly cover the cost of an accident today. The minimum levels of financial responsibility in this state are:
- $15,000 bodily injury liability for one person
- $30,000 bodily injury liability per accident
- $10,000 property damage liability
High-Risk Auto Insurance Program in Arizona
Arizona does not have a low-cost insurance program. If you are considered a high-risk driver because of your age or blemishes on your record, you can get insurance through the Arizona Automobile Insurance Plan (AAIP), which insures high-risk drivers. Try to find other insurance first because these plans tend to be much more expensive.
Alternatives to Insurance in Arizona
Arizona drivers don't have to carry insurance — they just need proof of "financial responsibility." Drivers who don’t have insurance can instead deposit $40,000 with the state treasurer, who will provide them with a certificate of deposit that must be carried in the vehicle.
Of course, given that only one state has lower minimum requirements than Arizona, neither a basic insurance policy nor the alternative — a $40,000 cash deposit — fully protects drivers in case of an accident.
How Much Coverage Do You Need in Arizona?
The standard industry recommendation is $100,000 for personal injury and $300,000 for accident coverage. However, this doesn’t include collision and comprehensive insurance, which pays for the cost of repairs to your own vehicle for damage caused by traffic accidents, theft, break-ins or natural disasters. Collision and comprehensive coverages are optional, meaning you won’t find them on cheap car insurance plans. Insurers recommend them for cars with a value higher than the deductible and several years' worth of premiums.
Finally, 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.
Average Insurance Rate by City in Arizona
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:
About the Author
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 15, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 6, 2020.
- Insurance Information Institute. "Auto Rate Setting." Accessed March 6, 2020.
- National Association of Insurance Commissioners. "Market Share Reports for Property/Casualty Groups and Companies." Accessed March 6, 2020.
- National Highway Traffic Safety Administration (NHTSA). "2018 Fatality Analysis Reporting System (FARS)." Accessed March 6, 2020.