Updated: July 1, 2026
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Travelers offers the best and cheapest car insurance in Arizona for both full coverage at $83 a month and minimum coverage at $41 a month. It's also cheapest for teens at $423 a month, seniors at $91 a month, and 16 of the state's 20 largest cities.
After a speeding ticket or texting violation, Auto-Owners is the cheapest at $108 a month. After a DUI, State Farm leads at $122 a month.
Travelers | $41 | 4.79/5 | |
Travelers | $83 | 4.79/5 | |
Travelers | $423 | 4.79/5 | |
Travelers | $99 | 4.79/5 | |
Travelers | $91 | 4.79/5 | |
Auto-Owners | $108 | 4.64/5 | |
Travelers | $114 | 4.79/5 | |
State Farm | $122 | 4.33/5 | |
Safeway Insurance | $143 | 3.97/5 | |
Auto Owners | $108 | 4.64/5 |
Travelers earns the best cheap title across nearly every Arizona driver profile, backed by the highest customer experience score at 4.28/5, which means claims get handled without major issues. For families with a teen driver, Travelers offers a good student discount for B-average students and an away-at-school discount if your teen attends college more than 100 miles away. For seniors, Travelers offers a defensive driving discount for completing an approved course, on top of a strong record with the NAIC for handling claims fairly. Drivers at any age can lower their rate further through multi-policy and pay-in-full discounts, or add protection like new car replacement, gap coverage and rental reimbursement.
Travelers | $41 | $83 | 4.79/5 |
GEICO | $47 | $103 | 4.29/5 |
Auto-Owners | $53 | $108 | 4.64/5 |
State Farm | $53 | $115 | 4.33/5 |
Progressive | $73 | $117 | 4.37/5 |
Cheapest Minimum Coverage in Arizona
Travelers offers the cheapest minimum coverage in Arizona at $41 a month, $6 less than GEICO's $47 and $12 less than Auto-Owners' $53. Drivers who want the lowest legal rate in Arizona should quote Travelers first. That $6 difference between the two cheapest options adds up to $72 a year. Travelers also scores highest overall at 4.79/5, a combined measure of price, service and coverage options, which means it's not winning on price alone.
Cheapest Full Coverage in Arizona
The most affordable full coverage insurer in Arizona is Travelers at $83 a month, the lowest rate among the five carriers. GEICO is second at $103, $20 more a month. Auto-Owners charges $108 and sells exclusively through local independent agents, so drivers who'd rather work with a dedicated agent than a call center should quote it as a second option.
How to Choose Between Minimum and Full Coverage in Arizona
Full coverage costs $42 more a month than minimum coverage in Arizona, adding up to $504 a year. That's more than what separates the cheapest and most expensive full coverage carrier, so your coverage level matters more here than which carrier you pick. Arizona is an at-fault state with no PIP requirement, which means minimum coverage pays nothing toward your own medical bills or vehicle repairs if you cause a crash. Drivers whose car is worth less than $5,000 and who aren't making loan or lease payments can weigh that $504 annual cost against their car's value. Drivers with a loan don't have that choice. Lenders require full coverage. For guidance on how much coverage you need, see how much car insurance do you need.
Travelers is the most affordable for 16-year-olds in Arizona at $423 a month for males and $421 for females, and it stays the cheapest for almost every age and gender from there. The one exception is 19-year-old males, where GEICO drops to $189 a month, the lowest available at that age. Travelers takes back the lead for males at 20 at $171. For females, Progressive becomes cheapest at 24 and 25, at $111 and $93. Get new quotes at 19 if you have a son, and at 24 if you have a daughter, to catch those savings. For the steps to make each switch, see how to switch car insurance companies.
Travelers | $421 | Travelers | $423 | 4.28/5 | |
Travelers | $312 | Travelers | $313 | 4.28/5 | |
Travelers | $250 | Travelers | $251 | 4.28/5 | |
Travelers | $199 | Geico | $189 | 3.65/5 | |
Travelers | $170 | Travelers | $171 | 4.28/5 | |
Travelers | $145 | Travelers | $146 | 4.28/5 | |
Travelers | $131 | Travelers | $132 | 4.28/5 | |
Travelers | $120 | Travelers | $120 | 4.28/5 | |
Progressive | $111 | Travelers | $113 | 3.90/5 | |
Progressive | $93 | Travelers | $99 | 3.90/5 |
Travelers is the cheapest senior provider in Arizona at $91 a month, only $8 above its own $83 adult rate, one of the smallest senior surcharges among the five carriers. State Farm is the next cheapest at $113. State Farm's Drive Safe & Save program can bring that $113 down, but drivers whose monitoring data scores poorly won't see those savings. Get new quotes at your next renewal to compare both options at actual market rates.
Travelers | $91 | 4.28/5 |
State Farm | $113 | 3.80/5 |
Auto-Owners | $119 | 4.58/5 |
GEICO | $119 | 3.65/5 |
Progressive | $123 | 3.90/5 |
Travelers is the cheapest insurer in 16 of Arizona's 20 largest cities, with rates ranging from $41 a month in Casa Grande to $59 in Peoria. In the remaining four cities, other carriers are cheaper: Safeway Insurance leads Lake Havasu City at $31 a month and Yuma at $40, while State Farm leads Flagstaff at $40 and Prescott Valley at $46.
Lake Havasu City | Safeway Insurance | $31 |
Flagstaff | State Farm | $40 |
Yuma | Safeway Insurance | $40 |
Casa Grande | Travelers | $41 |
Goodyear | Travelers | $46 |
Maricopa | Travelers | $46 |
Prescott Valley | State Farm | $46 |
Tucson | Travelers | $48 |
Avondale | Travelers | $50 |
Queen Creek | Travelers | $51 |
Surprise | Travelers | $51 |
Mesa | Travelers | $53 |
Scottsdale | Travelers | $53 |
Gilbert | Travelers | $54 |
Tempe | Travelers | $54 |
Buckeye | Travelers | $55 |
Chandler | Travelers | $55 |
Phoenix | Travelers | $57 |
Glendale | Travelers | $58 |
Peoria | Travelers | $59 |
For drivers with a DUI in Arizona, State Farm is cheapest at $122 a month. For speeding tickets and texting while driving violations, Auto-Owners leads at $108 for both. Travelers is not the cheapest carrier after a DUI or speeding violation, so quote the right carrier based on what's on your record. Arizona requires an SR-22 filing after a DUI, maintained for three years from the reinstatement date. All five carriers in the table file SR-22 forms directly, so you don't need to manage the paperwork separately.
Drivers with poor credit pay $143 a month through Safeway Insurance, a carrier that specializes in high-risk drivers and prices below every other insurer in Arizona for bad credit.
Speeding Ticket | Auto-Owners | $108 | 4.64/5 | 4.58/5 |
At-Fault Accident | Travelers | $114 | 4.79/5 | 4.28/5 |
DUI | State Farm | $122 | 4.33/5 | 3.80/5 |
Texting While Driving | Auto-Owners | $108 | 4.64/5 | 4.58/5 |
Bad Credit | Safeway Insurance | $143 | 3.97/5 | 3.15/5 |
State Farm is the best option for Arizona drivers with a DUI on their record at $122 a month, the lowest rate in the state for that violation. State Farm surcharges DUI less aggressively than most major carriers, so drivers who have been repriced or dropped after a conviction will likely find their most affordable rate here. State Farm also files the required SR-22 directly with the Arizona MVD as part of your policy, so you don't have to coordinate the paperwork separately. Arizona's DUI surcharge can apply for up to 10 years at some carriers, but State Farm's more lenient rating means your rate recovers faster than it would elsewhere. Look at a full overview of State Farm's coverage and ratings.
Auto-Owners is the cheapest option for Arizona drivers with a speeding ticket or texting violation at $108 a month for both, the lowest rate in the state for each. Auto-Owners sells exclusively through local independent agents, which means when you need to file a claim after a violation-related accident, you have a dedicated agent handling it rather than a call center. Its overall score of 4.64/5 reflects strong affordability, service and coverage options together.
Switching from the most expensive to the cheapest Arizona insurer saves $34 a month. The carrier you're with matters more here than the coverage level, since that $34 difference is smaller than the $42 gap between minimum and full coverage. Bundling, violation re-shop timing, credit improvement, and discount programs cover the remaining factors.
The five top-rated insurers in Arizona range from $83 to $117 a month for full coverage. Travelers holds the cheapest rate now, but rates shift at every renewal. Get quotes from at least three insurers before renewing. A ten-minute quote captures any carrier that has repriced since your last renewal.
Full coverage costs $42 more a month than minimum coverage in Arizona, or $504 a year. If your car is paid off and worth less than $5,000, that annual cost may exceed what a total-loss claim would return. If you have a lender, full coverage isn't optional. Lenders require it. Use the Arizona car insurance calculator to find where your vehicle's value falls relative to that threshold.
Bundling home and auto policies with the same carrier gets you a discount on both without changing your coverage. Travelers, State Farm and Auto-Owners all offer bundle discounts in Arizona. Ask for a combined quote before renewing either policy on its own.
Arizona insurers don't automatically lower your rate when a surcharge expires. An at-fault accident adds $31 a month above the clean-record rate. A DUI adds $39 when switching to Travelers. Most carriers clear the surcharge in three to five years, with some DUI surcharges lasting up to 10. Get new quotes in the month before the window closes and don't wait for your insurer to adjust it on your behalf.
Drivers with poor credit pay $143 a month through Safeway Insurance, $60 more than a clean-record driver pays at Travelers. Arizona permits credit as a rating factor. Once your credit score improves, get new quotes at Travelers. Consistent on-time payments and lower credit card balances can move a score from poor to good within 12 to 24 months for most drivers.
Two of the five cheapest Arizona insurers offer telematics programs. Both can lower your rate at renewal, and both can raise it if your driving scores poorly during the monitoring period.
MoneyGeek analyzed car insurance rates across Arizona using data from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Arizona. Carriers are required to file rates with the Arizona Department of Insurance before charging them. These are filed rates, not estimates or online quote approximations.
The baseline driver profile is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit and 12,000 annual miles. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Arizona's state-mandated minimums: 25/50/15 liability. Profile variations include young drivers ages 16 to 25 on individual policies rated by gender, a senior driver at age 70, violation profiles (one variable changed at a time) and a poor-credit profile. USAA is excluded from all tables. It is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any quote comparison.
MoneyGeek scores carriers on three factors: affordability (60% of score, normalized rates across all carriers within each driver profile), customer experience (30%, based on J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings) and coverage options (10%, based on the breadth of available add-ons and included benefits). Arizona requires SR-22 filings after DUI convictions, maintained for three years from the date the driver is eligible to reinstate their license. Credit scoring is permitted in Arizona as a rating factor with limited restrictions. Gender is a permitted rating factor in Arizona. Safeway Insurance appears in the bad credit table as a carrier specializing in high-risk drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
