Cheapest Car Insurance in Arizona

The average cost of car insurance in Arizona is $66 for minimum coverage and $136 for full coverage, but vary widely based on coverage and driving profile. You can find the cheapest company for you by comparing car insurance rates in Arizona below based on your age and driving history:

Cheapest by coverage type

• Full coverage: Travelers, $79
• Minimum coverage: Travelers, $42

Cheapest by driver age

• Teen drivers (16): Safeway, $156
• Young drivers (20): Travelers, $81
• Seniors (65+): Travelers, $65

Cheapest by driving record

• Speeding ticket: Auto-Owners, $55
• At-fault accident: Travelers, $59
• DUI: State Farm, $55
• Bad credit: Safeway, $66

Arizona rates refreshed: November 18, 2025

Travelers offers the cheapest minimum coverage at $42 monthly ($499 yearly), 15% below state averages. Safeway is the second least expensive, at $42 monthly, and State Farm is $45 monthly. All three options are lower rates than state averages for state minimum liability-only car insurance..

Minimum liability-only is the cheapest coverage type in Arizona. Arizona requires $25,000 in bodily injury liability per person, $50,000 per accident and $20,000 in property damage liability (25/50/20). Arizona doesn't require personal injury protection or uninsured motorist coverage, unlike most states.

Two companies are cheaper than the average: Travelers offers the cheapest full coverage at $79 monthly ($947 yearly), 19% below state averages. Safeway is the second least expensive at $92 monthly ($1,104 yearly).

Though minimum liability is the cheapest coverage, most drivers in Arizona will need full coverage. Full coverage adds comprehensive and collision protection on top of your liability policy. Collision pays for repairs to your car when you're responsible for an accident and comprehensive covers damage from potential monsoons in Arizona and higher than average theft rates in the state.  Financed cars in Arizona are required to have this coverage, but you should consider adding it even if not required by a lender to protect your car unless premiums would be over 10% of your car's value.

Travelers is the lowest cost provider in most major cities in Arizona.  The cheapest minimum coverage in Arizona ranges from $48 in Tucson to $59 in Peoria. The lowest prices full coverage ranges $90 in Tucson to $109 in Glendale. 

Tucson is at the low end of the statewide price range, while Phoenix-area suburbs such as Peoria and Glendale tend to be the most expensive because of higher traffic and more frequent claims and crime.

For 16-year-olds, Safeway charges the lowest rates at $156 monthly for minimum coverage and $334 monthly for full coverage. Older teen drivers should look to Travelers. At age 25, Travelers has the cheapest rates at $50 monthly for minimum coverage and $96 monthly for full coverage. Young drivers will reduce auto insurance costs through good student discounts, keeping a clean driving record and staying on the family policy.  Similar to all other states, young drivers in Arizona will pay the highest rates, making comparison shopping helpful in getting the lowest rates.

Travelers has the cheapest minimum coverage for seniors ages 65 to 80, starting at $65 monthly for 65-year-olds. Safeway is the lowest-cost option at age 90 ($65 monthly). 

For full coverage, Travelers has the cheapest rates for seniors ages 65 to 80, starting at $122 monthly for 65-year-olds, with Safeway cheaper at age 90 ($139 monthly).

To reduce your rates as a senior driver, consider lowering your mileage estimate if you drive less and taking a defensive driving course.  Arizona has a high population of senior drivers and insurers compete for your business, so comparison shopping will lower your rates.

High-risk drivers pay more for car insurance, but comparison shopping helps you find the lowest rates in Arizona. Each insurer prices violations differently, so comparing quotes will lower your cost.
Here's who offers the cheapest rates in Arizona for each violation type:

• DUI: State Farm ($55 monthly for minimum coverage), Travelers ($64)
• Speeding ticket: Auto-Owners ($55 monthly for minimum coverage), State Farm ($55)
• At-fault accident: Travelers ($59 monthly for minimum coverage), State Farm ($59)
• Bad credit: Safeway ($66 monthly for minimum coverage), GEICO ($88)

Drivers requiring SR-22 filing should check our guide to the cheapest SR-22 coverage in Arizona.

State Farm offers the most affordable rates for DUI convictions at $55 monthly for minimum coverage and $117 for full coverage. Travelers is another low-cost choice at $64 minimum, $130 full coverage. Though a DUI will increase your rate in Arizona, you can still find cheaper coverage after a DUI by comparing rates.

After an at-fault accident, Travelers offers the most affordable rates at $59 monthly for minimum coverage and $118 for full coverage. State Farm ($59 minimum, $126 full) and Auto-Owners ($79 minimum) are low-cost alternatives. At-fault accidents increase your premiums by 25% to 50% in Arizona compared to having a clean driving record.

After an at-fault accident, your rates increase based on claim costs and severity. In Arizona, accident points stay on your license for 3 years, after which rates will decrease. See our guide to the cheapest rates after an accident.

Auto-Owners and State Farm both offer the cheapest minimum coverage at $55 monthly. Travelers follows at $56 monthly. For full coverage, Auto-Owners has the lowest rates at $110 per month. Speeding violations in Arizona increase your costs 15-25% compared to drivers with clean records.

Arizona speeding violations add points to your driving record for 3 years. A qualified defensive driving class can remove points from your record and reduce your car insurance cost.

Safeway offers the most affordable minimum coverage for bad credit at $66 monthly. GEICO follows at $88 monthly and Nationwide at $110 monthly. For full coverage, Safeway charges $122 monthly, GEICO $216 and Nationwide $216. 

Poor credit will roughly double your rates in Arizona compared to drivers with excellent credit histories. Boosting your credit score by 50 to 100 points will lead to cheaper rates if you have bad credit in your next renewal.

With car insurance rates increasing in Arizona over 20% in the past 3 years, these strategies will help you find the cheapest coverage.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Arizona.

We gathered auto insurance data from the Arizona Department of Insurance and analyzed quotes from major insurers across all residential ZIP codes in Arizona. Our analysis included more than 52 million rate comparisons in Arizona to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.