Cheapest Car Insurance in Arizona (June 2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Drivers in Arizona are required to have liability coverage if they cause an accident and/or property damage or injury to others.

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.

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.

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.

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.