Cheapest Low-Income Car Insurance in Arizona

Arizona's low-income insurance market shows more competition than many states, with Travelers and GEICO splitting leadership across different driver profiles. GEICO offers adults the lowest rate at $53 monthly, matching the national average, while Travelers leads for young drivers at $54, seniors at $52, and most violation categories including DUIs at $65, accidents at $64, and bad credit at $65. 

Auto-Owners Insurance Co provides the single best option for drivers with speeding tickets at $58 per month, creating a three-way competitive landscape. Arizona sits near the midpoint of national affordability rankings, with rates hovering around the $53 average rather than falling into either the cheapest tier (Wyoming, Vermont) or most expensive bracket (New York, Delaware, Florida). The state's mixed provider landscape means low-income drivers should compare quotes from at least Travelers, GEICO, and Auto-Owners to ensure they capture the best available rate for their specific profile.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Travelers and GEICO split Arizona's family insurance market, with Travelers leading for married couples with teens at $50 and single parents with teens at $106, while GEICO offers married couples without children the best rate at $40 monthly. Arizona sits well below national averages, with married couples with teens paying roughly $33 less than the $83 nationwide baseline and positioning the state among more affordable options for family coverage. 

The cost to add a teenage driver varies by insurer, with families moving from GEICO's $40 for couples without kids to Travelers' $50 with teens, though staying with a single provider may create different pricing dynamics. Single-parent families pay approximately $56 more per month than married couples with teens, a moderate gap reflecting Arizona's generally competitive insurance environment. Provider selection creates meaningful savings opportunities, with the spread between cheapest and most expensive options reaching $79 for married couples with teens, from Travelers' $50 to Allstate's $129 monthly.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Drivers in Arizona must meet these minimum car insurance requirements:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $15,000 in property damage liability per accident

If you're leasing or financing a car, you'll need a split of 100/300/100 liability coverage along with comprehensive and collision protection.

Travelers offers the cheapest affordable car insurance for most low-income drivers in Arizona. Travelers, Progressive and Auto-Owners are the cheapest options for high-risk drivers. To find the best deal, explore various providers through different channels.

Affordable car insurance for low-income drivers can be difficult to find. Here are answers to common questions about saving money.

Study Overview

MoneyGeek analyzed Arizona auto insurance rates using data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Arizona.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Arizona:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for minimum coverage, which follows the requirements set by Arizona law, and offers affordable options for low-income drivers.