Travelers offers Arizona's lowest car insurance rates, with monthly premiums of $41 for minimum coverage and $83 for full coverage. This saves drivers $43 monthly (41%) compared to state averages. Get quotes from GEICO, State Farm, Auto-Owners and Safeway too.
Cheapest Car Insurance in Arizona
Updated: August 7, 2025
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Key Takeaways
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 in Arizona, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Arizona?
| Travelers | $41 | $83 | -41% |
| Geico | $51 | $111 | -23% |
| State Farm | $52 | $112 | -22% |
| Auto Owners | $54 | $111 | -22% |
| Safeway Insurance | $56 | $126 | -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.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN ARIZONA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Arizona:
Best Car Insurance Rates by Category in Arizona
Travelers offers the lowest rates for six out of our 10 driver categories in Arizona, including young drivers, adults and seniors. Safeway stands out by providing affordable rates in two categories, specifically for drivers with bad credit and low income. Find your specific rates in the table:
| Young Drivers | Travelers | $97 |
| Adult Drivers | Travelers | $45 |
| Senior Drivers | Travelers | $65 |
| Drivers With An Accident | Travelers | $53 |
| Drivers With A DUI | State Farm | $55 |
| Drivers With A Speeding Ticket | Travelers | $51 |
| Drivers With Bad Credit | Safeway Insurance | $58 |
| Drivers With Low Income | Safeway Insurance | $58 |
| Drivers With Newer Cars | Travelers | $40 |
| Drivers With Old Cars | Auto Owners | $38 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Arizona for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, Safeway offers the lowest rates at $172 monthly for drivers with poor credit and an accident who want full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Safeway Insurance | $172 | $2,059 | -47% |
| Travelers | $247 | $2,962 | -24% |
| Auto Owners | $260 | $3,125 | -20% |
| Progressive | $275 | $3,302 | -16% |
| Nationwide | $278 | $3,332 | -15% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Arizona by City
Where you live in Arizona affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $43 in Aguila but costs vary across cities. Here are the cheapest providers for every Arizona city:
Data filtered by:Results filtered by:
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City:Aguila
| Aguila | Travelers | $43 | -38% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Arizona
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.
- 1
Compare multiple providers through various means
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.
- 2
Decide on your coverage needs before buying
Knowing what coverage you need helps you avoid paying for unnecessary add-ons while ensuring adequate financial protection.
- 3
Choose to get a lower coverage amount if appropriate
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.
- 4
Research costs and take advantage of discounts
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.
- 5
Consider auto insurance alternatives
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.
- 6
Improve your risk profile
Improving your credit and practicing safe driving habits can lead to lower rates overall, making car insurance and other insurance much more affordable.
- 7
Get a cheaper car to insure
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.
Risks of Getting the Cheapest Car Insurance in Arizona
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:
Vehicle damage if you're at fault won't be covered
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.
Weather risks make damage to your car more likely and aren't covered
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.
Bodily injury damage is more likely to be higher than the minimum limits
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.
Not having uninsured motorist coverage opens you up to unexpected costs
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.
Vehicle theft damage is more likely and uncovered
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.
Cheap Car Insurance in Arizona: Bottom Line
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.
Cheap Car Insurance in Arizona: FAQ
Below are answers to common questions about finding affordable car insurance in Arizona that fits your needs.
What are the cheapest car insurance companies in Arizona?
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.
Who has the cheapest car insurance rates for young drivers in Arizona?
Travelers provides the most affordable rates for young drivers in Arizona, with monthly premiums starting at $97 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Arizona?
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.
Who has the cheapest car insurance in Arizona for bad credit?
Safeway Insurance provides the most affordable rates for bad-credit drivers in Arizona, with monthly premiums averaging $58 for minimum coverage.
Who has the cheapest car insurance in Arizona with an accident?
Travelers offers the most affordable car insurance rates for Arizona drivers with an accident history, starting at $53 per month for minimum coverage.
Who has the cheapest car insurance in Arizona with a DUI?
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.
Who has the cheapest car insurance in Arizona for those with a speeding ticket?
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.
Should you buy the cheapest car insurance in Arizona?
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.
How We Found the Most Affordable Car Insurance 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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 16, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 16, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed August 16, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 16, 2025.