Cheapest Car Insurance in Arizona (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
Contributions by2 experts
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Contributions by2 experts
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Updated: June 14, 2024

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Mercury offers the cheapest minimum coverage auto insurance in Arizona on average. But depending on what kind of driver you are, Root Insurance or Auto-Owners 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.

Why Trust MoneyGeek? We gathered the most recent data from Quadrant Information Services and the Arizona Department of Insurance to determine the cheapest auto insurance in Arizona for various driver profiles.

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These rates reflect the cheapest car insurance quotes in Arizona as of June 2024.

6,720Quotes Analyzed
 
15Companies Compared
 
28ZIP Codes

Cheapest Minimum Liability Car Insurance in Arizona (June 2024)

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

  • Mercury: $397 per year
  • Root Insurance Company: $451 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 $1,431. 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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
MercuryAnnual Premium$397Monthly Premium$33
Root Insurance CompanyAnnual Premium$451Monthly Premium$38
Country FinancialAnnual Premium$464Monthly Premium$39
Auto-Owners Insurance CoAnnual Premium$479Monthly Premium$40
GEICOAnnual Premium$482Monthly Premium$40
State FarmAnnual Premium$532Monthly Premium$44
ProgressiveAnnual Premium$580Monthly Premium$48
TravelersAnnual Premium$587Monthly Premium$49

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.

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Find the Best Car Insurance in Arizona for You

 

Your auto insurance premium will vary based on your preferences and insurance needs. You may want to assess how much car insurance you need. We outlined the most affordable auto insurance rates for Arizona's base level of protection in the table above.

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We also evaluated Arizona's best car insurance providers based on cost and consumer service criteria.

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If you're interested in understanding how costs change depending on specific factors, we looked at the typical cost of auto insurance in Arizona for different driver types.

Cheapest Full Coverage Car Insurance in Arizona (June 2024)

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

  • Root Insurance: $722 per year
  • GEICO: $920 per year

The General offers the most expensive full coverage auto insurance in Arizona at about $2,932 each year. Your annual rate may increase if you add comprehensive and collision insurance to your policy. This month, you'll pay $351 more for full coverage than for minimum coverage with the cheapest provider.

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$722Monthly Premium$60
GEICOAnnual Premium$920Monthly Premium$77
Auto-Owners Insurance CoAnnual Premium$1,064Monthly Premium$89
TravelersAnnual Premium$1,106Monthly Premium$92
ProgressiveAnnual Premium$1,148Monthly Premium$96
State FarmAnnual Premium$1,160Monthly Premium$97
Iowa Farm BureauAnnual Premium$1,285Monthly Premium$107
FarmersAnnual Premium$1,314Monthly Premium$109

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 17, 2024

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Cheapest Car Insurance in Arizona by Age (June 2024)

In Arizona, car insurance rates change significantly by your age and who else is on your policy. MoneyGeek found that Travelers provides the cheapest rates on average for teens, while Root Insurance offers the cheapest rates for both young Adults and seniors.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

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

Cheapest Car Insurance in Arizona for Teens and Their Families (June 2024)

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 boys and $3,692 for girls, 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.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
TravelersFamily Plan Annual Premium$1,652Individual Plan Annual Premium$3,033
GEICOFamily Plan Annual Premium$2,356Individual Plan Annual Premium$4,774
NationwideFamily Plan Annual Premium$2,444Individual Plan Annual Premium$5,635
State FarmFamily Plan Annual Premium$2,554Individual Plan Annual Premium$3,489
Auto-Owners Insurance CoFamily Plan Annual Premium$2,568Individual Plan Annual Premium$2,638
FarmersFamily Plan Annual Premium$2,692Individual Plan Annual Premium$9,633
ProgressiveFamily Plan Annual Premium$2,694Individual Plan Annual Premium$7,712
AllstateFamily Plan Annual Premium$3,692Individual Plan Annual Premium$3,386
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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 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 (June 2024)

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

  • Root Insurance: $723 per year
  • Travelers: $1,139 per year

The General offers the priciest auto insurance for young adults at $4,597 annually. In Arizona, drivers under 25 pay an additional $396 on average in annual auto insurance premiums compared with middle-aged drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$723Monthly Premium$60
TravelersAnnual Premium$1,139Monthly Premium$95
GEICOAnnual Premium$1,180Monthly Premium$98
ProgressiveAnnual Premium$1,455Monthly Premium$121
Auto-Owners Insurance CoAnnual Premium$1,458Monthly Premium$121
State FarmAnnual Premium$1,476Monthly Premium$123
Iowa Farm BureauAnnual Premium$1,527Monthly Premium$127
AllstateAnnual Premium$1,561Monthly Premium$130

Cheapest Car Insurance in Arizona for Seniors (June 2024)

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

  • Root Insurance Company: $774 per year
  • GEICO: $953 per year

The General charges seniors the most for auto insurance, about $3,278 annually. The average annual increase in auto insurance premiums for drivers in Arizona over the age of 60 is roughly $44.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$774Monthly Premium$64
GEICOAnnual Premium$953Monthly Premium$79
TravelersAnnual Premium$984Monthly Premium$82
Auto-Owners Insurance CoAnnual Premium$1,021Monthly Premium$85
State FarmAnnual Premium$1,066Monthly Premium$89
ProgressiveAnnual Premium$1,117Monthly Premium$93
HartfordAnnual Premium$1,181Monthly Premium$98
Iowa Farm BureauAnnual Premium$1,206Monthly Premium$101

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 (June 2024)

In Arizona, Root provides the lowest rates for drivers with tickets, at-fault accidents, and DUIs. Travelers is the most affordable provider for drivers with sports cars.

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.

Root is also cheapest for people with poor credit.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Root ($885 per year)
Cheapest after an accident: Root ($903 per year)
Cheapest after a DUI: Root ($798 per year)
Cheapest for poor credit: Root ($918 per year)
Cheapest for sports cars: Travelers ($961 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 Insurance Company: $885 per year
  • Auto-Owners Insurance Co: $1,064 per year

The General is the costliest car insurance, at $3,816 annually. After receiving a speeding ticket in Arizona, you might have to spend an average of $431 more for auto insurance.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$885Monthly Premium$74
Auto-Owners Insurance CoAnnual Premium$1,064Monthly Premium$89
GEICOAnnual Premium$1,130Monthly Premium$94
TravelersAnnual Premium$1,300Monthly Premium$108
State FarmAnnual Premium$1,309Monthly Premium$109
ProgressiveAnnual Premium$1,551Monthly Premium$129
Iowa Farm BureauAnnual Premium$1,662Monthly Premium$139
FarmersAnnual Premium$1,671Monthly Premium$139

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: $903 per year
  • Travelers: $1,369 per year

Drivers with at-fault accidents pay the highest premiums from The General, which averages $4,501 annually. In Arizona, having an at-fault accident record could result in an $817 yearly rate increase.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$903Monthly Premium$75
TravelersAnnual Premium$1,369Monthly Premium$114
State FarmAnnual Premium$1,428Monthly Premium$119
GEICOAnnual Premium$1,452Monthly Premium$121
Auto-Owners Insurance CoAnnual Premium$1,548Monthly Premium$129
ProgressiveAnnual Premium$1,801Monthly Premium$150
HartfordAnnual Premium$1,998Monthly Premium$167
Country FinancialAnnual Premium$2,017Monthly Premium$168
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MONEYGEEK EXPERT TIP

Accident forgiveness stops 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, give it to you at no cost for having a clean driving record.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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: $798 per year
  • State Farm: $1,309 per year

CSAA provides the most expensive car insurance for drivers with DUIs, costing about $4,276 a year. In Arizona, a DUI typically results in an $892 increase in your annual rate.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$798Monthly Premium$66
State FarmAnnual Premium$1,309Monthly Premium$109
ProgressiveAnnual Premium$1,323Monthly Premium$110
TravelersAnnual Premium$1,425Monthly Premium$119
FarmersAnnual Premium$1,841Monthly Premium$153
HartfordAnnual Premium$1,946Monthly Premium$162
Auto-Owners Insurance CoAnnual Premium$2,032Monthly Premium$169
Country FinancialAnnual Premium$2,105Monthly Premium$175

Cheapest Car Insurance in Arizona for Drivers With Poor Credit (June 2024)

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

  • Root Insurance Company: $918 per year
  • Travelers: $1,339 per year

CSAA costs $21,719 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 $2,318 more for auto insurance in Arizona than someone with a credit score of at least 750.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Root Insurance CompanyAnnual Premium$918Monthly Premium$77
TravelersAnnual Premium$1,339Monthly Premium$112
GEICOAnnual Premium$1,463Monthly Premium$122
ProgressiveAnnual Premium$1,889Monthly Premium$157
NationwideAnnual Premium$1,895Monthly Premium$158
FarmersAnnual Premium$2,057Monthly Premium$171
Country FinancialAnnual Premium$2,083Monthly Premium$174
MercuryAnnual Premium$2,217Monthly Premium$185

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 (June 2024)

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

  • Travelers: $961 per year
  • GEICO: $1,040 per year

The General offers the most expensive auto insurance for sports car drivers, with an estimated yearly premium of $3,907.

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 $165 in auto insurance premiums compared with a Toyota Camry LE.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
TravelersAnnual Premium$961Monthly Premium$80
GEICOAnnual Premium$1,040Monthly Premium$87
Auto-Owners Insurance CoAnnual Premium$1,062Monthly Premium$88
FarmersAnnual Premium$1,190Monthly Premium$99
State FarmAnnual Premium$1,412Monthly Premium$118
ProgressiveAnnual Premium$1,458Monthly Premium$121
AllstateAnnual Premium$1,605Monthly Premium$134
NationwideAnnual Premium$1,632Monthly Premium$136

The model of your car can have a significant impact on auto cost. 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 (June 2024)

In Arizona, the cheapest full coverage insurance policy for active duty military officers or those with a military background is offered by Root Insurance Company with an average annual premium of $722.

USAA also offers affordable auto insurance packages, at $1,164 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.

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MoneyGeek Top Pick
Root Insurance
  • $722 per year

Root Insurance Company does not offer a military discount, yet it remains the cheapest auto insurer in the state of Arizona.

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 Tucson, where Root Insurance Company offers a policy for $971 a year. Root Insurance is also the most affordable choice in Phoenix, where a full coverage policy is about $1,167.

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

ChandlerCheapest CompanyRoot Insurance CompanyAnnual Premium$1,047
GilbertCheapest CompanyRoot Insurance CompanyAnnual Premium$1,053
GlendaleCheapest CompanyRoot Insurance CompanyAnnual Premium$1,172
MesaCheapest CompanyRoot Insurance CompanyAnnual Premium$1,082
PeoriaCheapest CompanyRoot Insurance CompanyAnnual Premium$1,110
PhoenixCheapest CompanyRoot Insurance CompanyAnnual Premium$1,167
ScottsdaleCheapest CompanyRoot Insurance CompanyAnnual Premium$1,048
SurpriseCheapest CompanyRoot Insurance CompanyAnnual Premium$983

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.

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    Bodily Injury Liability

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

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    Property Damage Liability

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

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    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.

FAQ 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.

Which company offers the cheapest car insurance in Arizona?
Should you buy the cheapest car insurance available in Arizona?
Do you need uninsured/underinsured motorist coverage in Arizona?

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 GradyPresident at TruView Insurance Group
Nathan Mason
Nathan MasonAccount Manager

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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