Updated: September 8, 2025
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The cheapest car insurance companies in Arizona are Travelers, GEICO and State Farm, with Travelers offering rates 41% below the state average.
Car insurance costs in Arizona start at $38 monthly for minimum coverage and $40 for full coverage policies on average.
To get the cheapest car insurance, research average costs and top car insurance companies in Arizona, take advantage of discounts and compare multiple provider quotes.
Travelers offers the cheapest liability-only car insurance in Arizona at $41 monthly or $495 annually, making it nearly half the cost of the most expensive option.
GEICO ($51 monthly) and Auto-Owners ($54 monthly) offer competitive alternatives if Travelers isn't available in your area. State Farm rounds out the top choices at $52 monthly, giving Arizona drivers several affordable options for meeting state requirements as of September 2025.
| Travelers | $41 | -41% |
| Geico | $51 | -23% |
| State Farm | $52 | -22% |
| Auto Owners | $54 | -22% |
| Safeway Insurance | $56 | -13% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Arizona requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. These relatively low limits keep baseline costs affordable but may leave you financially exposed in serious accidents. While minimum coverage meets legal requirements, consider whether these limits provide adequate protection for your situation.
Look, I get it—you're here hunting for the cheapest car insurance in Arizona, and that's a perfectly valid choice. Just know what you're signing up for: Arizona's $50,000 bodily injury limit per accident might not stretch as far as you think when multiple people get hurt, and skipping comprehensive coverage means you're on your own when those intense monsoon storms decide to redecorate your car with hail.
Minimum coverage absolutely meets your legal requirements, but consider whether those limits actually protect your finances if something serious happens on the road.
Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in Arizona.
Travelers continues its dominance in Arizona's insurance market, offering the cheapest full coverage at $83 monthly or $993 annually—the same company that leads in minimum coverage rates. This consistency makes Travelers a standout choice for Arizona drivers seeking comprehensive protection without breaking the bank.
Auto-Owners ($111 monthly) and GEICO ($111 monthly) follow closely as competitive alternatives for full coverage, while State Farm rounds out the affordable options at $112 monthly.
| Travelers | $83 | $993 |
| Auto Owners | $111 | $1,330 |
| Geico | $111 | $1,334 |
| State Farm | $112 | $1,341 |
| Safeway Insurance | $126 | $1,510 |
We've created additional guides below to help you in your search for the best and cheapest car insurance in Arizona:
Travelers consistently offers the most affordable rates in Arizona's three largest cities. While rate variations exist throughout the state based on local risk factors, Travelers maintains competitive pricing in these urban markets where insurance costs tend to run higher.
In Arizona's three largest cities, Travelers provides the best non-military rates with location-specific pricing. Tucson residents pay the lowest rates at $48 monthly for minimum coverage, while Mesa drivers can expect $53 monthly. Phoenix, as the largest metropolitan area, commands slightly higher rates at $57 monthly, reflecting the increased risk factors associated with dense urban driving as of September 2025.
Urban areas typically face higher insurance rates due to increased traffic density, higher crime rates, and more frequent claims compared to rural locations. Rates in your specific city can vary widely based on local factors.
| Phoenix | Travelers | $57 | -42% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Travelers offers the most affordable rates for both young drivers (including students and new drivers) and seniors in Arizona, though these age groups face significantly different pricing structures. Young drivers pay $97 monthly for minimum coverage, while seniors enjoy more favorable rates at $65 monthly. For comparison, adult drivers in the prime 30-65 age range pay just $45 monthly, highlighting how age-based risk factors impact insurance pricing.
| Young Drivers | Travelers | $97 |
| Senior Drivers | Travelers | $65 |
| Adult Drivers | Travelers | $45 |
Young drivers face Arizona's highest insurance rates due to their statistically higher accident rates and inexperience behind the wheel. Insurance companies view drivers under 25 as high-risk because they're more likely to engage in risky behaviors like speeding and distracted driving, leading to more frequent and severe claims.
Seniors in Arizona, as elsewhere, pay slightly more than drivers in the 30-65 age range but substantially less than young drivers. While seniors may face some increased rates due to slower reaction times and potential vision issues, their decades of driving experience and generally cautious driving habits keep their premiums well below those of inexperienced drivers.
State Farm and Travelers offer the cheapest car insurance for high-risk drivers in Arizona, with rates varying by violation type. State Farm provides the cheapest coverage for drivers with a DUI at $55 monthly, while Travelers offers the most affordable rates for drivers with speeding tickets ($51 monthly) and accident history ($53 monthly).
| Drivers With A DUI | State Farm | $55 |
| Drivers With An Accident | Travelers | $53 |
| Drivers With A Speeding Ticket | Travelers | $51 |
For drivers requiring SR-22 filings, Travelers delivers the cheapest rates in Arizona at $105 monthly for minimum coverage. SR-22 filings are typically required for high-risk drivers who have committed serious violations such as DUI convictions, driving without insurance, multiple traffic violations, or license suspensions. This certificate proves to the state that you maintain the required minimum insurance coverage.
Finding the most affordable insurance companies is just one part of reducing your car coverage costs in Arizona. Here are proven strategies to save the most on auto insurance.
Compare quotes from multiple providers on our list, since our estimates may vary from provider-provided pricing. Your quotes will also vary depending on your method of getting them, such as captive agents, independent agents, comparison sites and provider websites.
Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection.
Depending on how much car insurance you need and what you can afford, lowering your coverage level and deductibles if you want full coverage can save you money. However, evaluate your risk based on your finances, driving habits, where you live and even your vehicle before doing this.
Researching average auto insurance costs for your specific profile gives you a measuring stick for how much you'll be saving. Look also into discounts you qualify for and compare home and auto insurance bundle prices and other policy type combinations to get the best deal.
Traditional auto insurance isn't your only option; alternative policies exist. For example, pay-per-mile car insurance charges are based on how much you drive, and telematics insurance tracks driving behaviors to determine your pricing or provide a discount if it's just a separate program. Also, look into your automaker's insurance program if it has one to see if you can get lower rates than with a regular provider.
Improving your credit and practicing safe driving habits can lead to lower rates overall, making car insurance and other insurance much more affordable.
If you're in the market, getting an older and cheaper car to insure will save you money on your coverage. Reliable cars also cost less to repair, which lowers your insurance rates.
Arizona requires drivers to carry liability insurance with minimum coverage of 25/50/15. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $15,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Without collision coverage, you'll pay all repair costs if you cause an accident. In Arizona, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Arizona gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against monsoon storms, flash floods and dust storms that frequently hit Arizona.
Arizona's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Arizona reached $22,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Arizona has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Car theft is a real problem in Arizona, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas like Phoenix and Tucson.
Travelers offers the lowest car insurance rates in Arizona for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Below are answers to common questions about finding affordable car insurance in Arizona that fits your needs.
Travelers provides the most affordable car insurance in Arizona, with average annual rates of $492 for minimum coverage and $996 for full coverage. GEICO, State Farm, Auto-Owners and Safeway Insurance also offer competitive rates.
Travelers provides the most affordable rates for young drivers in Arizona, with monthly premiums starting at $97 for minimum coverage.
Senior drivers in Arizona can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $65 per month for minimum coverage.
Safeway Insurance provides the most affordable rates for bad-credit drivers in Arizona, with monthly premiums averaging $58 for minimum coverage.
Travelers offers the most affordable car insurance rates for Arizona drivers with an accident history, starting at $53 per month for minimum coverage.
State Farm provides the cheapest car insurance after a DUI in Arizona, with rates of $55 monthly for minimum coverage and $119 monthly for full coverage.
Arizona drivers with a speeding ticket can find the lowest insurance rates with Travelers, charging $51 monthly for minimum coverage and $110 for full coverage.
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options in Arizona.
MoneyGeek collected auto insurance data from the Arizona Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Arizona.
Arizona Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Arizona
We compared car insurance companies in Arizona that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Arizona.
The minimum coverage liability limits in Arizona are:
For full coverage policy rates, we used the following liability limits:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
