MoneyGeek gathered car insurance quotes from companies in Arizona to help find the cheapest based on your needs. GEICO offers the cheapest coverage for the average driver in the state. If you shop around, you can save up to $1,204.
The Cheapest Car Insurance in Arizona for 2022
Although GEICO has the most affordable average insurance rate in Arizona, your actual premium will depend on various factors, including coverage amounts, driving history, age and credit score.
For example, GEICO is the cheapest for Arizona drivers looking for more coverage and those with at-fault accidents. If you are from a military family and are eligible for a policy, USAA is among the cheapest options in the state.
The Cheapest Car Insurance in Arizona
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 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
- Progressive: $506 per year
USAA is the second cheapest car insurance provider in Arizona at an average of $383 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 MetLife, which costs an average of $983 per year.
Cheapest Minimum Car Insurance in Arizona
These prices are only estimates based on rates for an average Arizona driver and should not be used to compare insurance prices.
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 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: $770 per year
- Progressive: $1,007 per year
While USAA is another affordable full coverage option in Arizona at an average cost of $790 per year, it’s solely available to current and former military members and their families. The most expensive company for full coverage in the state 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.
Cheapest Full Coverage Car Insurance in Arizona
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 for Drivers With a DUI in Arizona
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.
Cheapest Car Insurance 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 $1,825 per year.
Based on average rates, the most affordable options for drivers with at-fault accidents in the state are:
- GEICO: $1,116 per year
- American Family: $1,178 per year
If you are from a military family, USAA is one of the cheapest options for you. The average rate of a USAA policy for drivers with at-fault accidents is $1,211 per year.
Cheapest Car Insurance With an At-Fault Accident
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 $1,593, $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
- American Family: $1,178 per year
USAA is a cheap option exclusive to military drivers with tickets at an average of $1,007 per year. MetLife is the most expensive car insurance company for drivers with tickets at an average of $2,484 per year.
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.
Cheapest Car Insurance Companies 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 $2,592 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
- Nationwide: $1,558 per year
USAA comes in second cheapest in Arizona at an average of $1,426 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 $6,904 per year.
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.
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 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
- Nationwide: $1,096 per year
USAA is the second cheapest option and costs roughly $842 per year. However, these policies are 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.
Cheapest Car Insurance in Arizona for Young Drivers
Age can also greatly affect the cost of car insurance in Arizona. Young drivers are seen as less experienced and high-risk drivers, so they tend to pay more for car insurance. The average rate for a 16-year-old is $3,337 annually. For a 25-year-old, the cost of insurance is $1,247 per year on average. This is a $2,090 a year difference.
Generally, GEICO is the cheapest car insurance company in Arizona for drivers between ages 16-25. 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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While costs tend to be more expensive for young drivers in Arizona, discounts may be available, including adding them to their parent's insurance policy, increasing their deductible, being a good student, participating in a defensive driving class and driving a midsize sedan.
Teens may also get a graduated instruction permit to drive with adult supervision and do not need to be added to an insurance policy. If a young driver moves 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).
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.
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
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 Highway Traffic Safety Administration (NHTSA). "2018 Fatality Analysis Reporting System (FARS)." Accessed March 6, 2020.