Cheapest Car Insurance In Arizona (2024)
The cheapest car insurance in Arizona comes from GEICO at $34 per month on average.
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As car insurance prices go up, it’s a smart move for drivers in Arizona to compare different policies to find the cheapest coverage available. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will show you how to save money on insurance and where to find the most affordable car insurance in Arizona based on your driving profile.
Key Points
- GEICO is the cheapest car insurance company in Arizona overall, with an average rate of $34 per month for minimum coverage and $106 per month for full coverage.
- Travelers and Auto-Owners also offer affordable car insurance rates for many driver profiles.
- If drivers are under 25 or have traffic violations on their record, their car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Each car insurance company has its own way of evaluating driver profiles. This means that the provider that’s cheapest for one driver may not be the cheapest for you. For instance, let’s take a look at the most affordable auto insurance providers and their rates for various driver profiles in Arizona.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | GEICO | $34 | $406 |
| Full coverage | GEICO | $106 | $1,274 |
| 16-year-olds | GEICO | $107 | $1,281 |
| 45-year-olds | GEICO | $33 | $400 |
| High-risk drivers | Travelers | $49 | $592 |
| After a speeding ticket | GEICO | $38 | $460 |
| After an accident | Travelers | $49 | $592 |
| After a DUI | Travelers | $52 | $630 |
| Poor credit drivers | GEICO | $34 | $406 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Arizona?
In general, we discovered that GEICO has the most affordable car insurance in Arizona for many types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Arizona.
These prices apply to drivers in Arizona with varying ages, locations, and driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Arizona: GEICO
Drivers looking for the most affordable coverage that just meets Arizona state minimum requirements may find it at GEICO for about $34 per month or $406 per year on average.
| Cheapest Car Insurance in Arizona | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $34 | $406 |
| Travelers | $40 | $478 |
| Auto-Owners | $44 | $522 |
| USAA | $44 | $533 |
| State Farm | $57 | $686 |
| Progressive | $71 | $856 |
| Allstate | $76 | $909 |
| Farmers | $83 | $993 |
| The Hartford | $87 | $1,038 |
| AAA | $99 | $1,193 |
Cheapest Full Coverage In Arizona: GEICO
GEICO is the best choice if you want the most complete coverage for the best price. The provider offers full-coverage insurance for an average of $106 per month.
Full-coverage insurance policies in Arizona generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Arizona | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $106 | $1,274 |
| Travelers | $127 | $1,523 |
| Auto-Owners | $171 | $2,057 |
| Progressive | $186 | $2,226 |
| USAA | $188 | $2,251 |
| State Farm | $196 | $2,352 |
| Allstate | $242 | $2,906 |
| Farmers | $244 | $2,933 |
| The Hartford | $274 | $3,291 |
| AAA | $447 | $5,358 |
Cheapest Car Insurance In Arizona: Age
Below, you’ll find average insurance costs for Arizona drivers ages 16 to 55 as well as the top five most affordable car insurance companies for each age group. Drivers who are between the ages of 30 and 55 often receive the most affordable car insurance rates because they have more road experience. Additionally, they have lower chances of getting into accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $309 | $891 |
| 25 | $69 | $235 |
| 35 | $58 | $201 |
| 45 | $55 | $191 |
| 55 | $51 | $177 |
Cheapest Arizona Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. That is mostly because these drivers don’t have much practice driving and are more likely to break traffic rules and get into car accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Arizona Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Arizona.
The company’s cheapest average rates for 16-year-old drivers are $107 per month or $1,281 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $327 per month or $3,929 per year from GEICO.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $107 | $327 |
| Travelers | $134 | $425 |
| Auto-Owners | $169 | $531 |
| State Farm | $241 | $689 |
| Allstate | $255 | $752 |
| USAA | $287 | $1,089 |
| The Hartford | $434 | $1,250 |
| Progressive | $437 | $1,184 |
| AAA | $474 | $1,377 |
| Farmers | $550 | $1,289 |
Cheapest Arizona Car Insurance For 25-Year-Olds: GEICO
Car insurance costs go down a lot for young drivers in their 20s, when you compare them to what teenagers pay. But the rates can still be high for this age group, depending on the insurance company you pick.
GEICO provides the cheapest car insurance costs on average at $36 per month or $436 per year for minimum coverage. GEICO costs $113 per month or $1,355 per year for full coverage.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $36 | $113 |
| Travelers | $40 | $131 |
| USAA | $48 | $204 |
| Auto-Owners | $50 | $195 |
| State Farm | $63 | $221 |
| Progressive | $76 | $197 |
| Allstate | $81 | $257 |
| Farmers | $90 | $258 |
| The Hartford | $97 | $314 |
| AAA | $104 | $462 |
Cheapest Arizona Car Insurance: Adult Drivers
People who are in their 40s usually have the least expensive car insurance rates. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Arizona Car Insurance For 35-Year-Olds: GEICO
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from GEICO. The company offers average minimum-coverage costs of $31 per month or $376 per year. For full coverage, GEICO’s rates average $99 monthly or $1,193 annually.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $31 | $99 |
| Auto-Owners | $37 | $148 |
| Travelers | $39 | $123 |
| USAA | $41 | $172 |
| State Farm | $51 | $171 |
| Progressive | $67 | $174 |
| Allstate | $70 | $227 |
| Farmers | $75 | $231 |
| The Hartford | $76 | $235 |
| AAA | $95 | $431 |
Cheapest Arizona Car Insurance For 45-Year-Olds: GEICO
Forty-five-year-old drivers may find the most affordable minimum coverage from GEICO, with average rates of $33 per month or $400 per year. The cheapest full coverage comes from GEICO at $104 per month or $1,252 per year.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $33 | $104 |
| Auto-Owners | $35 | $142 |
| Travelers | $36 | $111 |
| USAA | $38 | $159 |
| State Farm | $52 | $170 |
| The Hartford | $64 | $198 |
| Progressive | $65 | $165 |
| Allstate | $70 | $227 |
| Farmers | $71 | $214 |
| AAA | $87 | $419 |
Cheapest Arizona Car Insurance For 55-Year-Olds: Auto-Owners
Auto-Owners usually offers the most affordable car insurance rates in Arizona for people in their 50s. The insurer’s average premiums are $33 monthly or $396 annually for minimum coverage. The cheapest full coverage option is from GEICO, costing $104 monthly or $1,252 annually
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $33 | $136 |
| GEICO | $33 | $98 |
| Travelers | $35 | $101 |
| USAA | $37 | $150 |
| State Farm | $50 | $161 |
| The Hartford | $55 | $179 |
| Progressive | $61 | $145 |
| Farmers | $65 | $198 |
| Allstate | $65 | $202 |
| AAA | $80 | $399 |
Cheapest Car Insurance In Arizona: High-Risk Drivers
Besides the type of coverage and age, how safely you drive is a significant factor in determining your car insurance cost. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay car insurance rates that are higher than the average rates because they have multiple violations on their driving records. On average, Arizona motorists who are deemed high-risk may find the most affordable rates from Travelers for minimum coverage or GEICO for full coverage.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $49 | $172 |
| GEICO | $56 | $170 |
| State Farm | $64 | $215 |
| USAA | $77 | $324 |
| Auto-Owners | $83 | $285 |
| Progressive | $89 | $253 |
| Farmers | $116 | $332 |
| Allstate | $135 | $368 |
| The Hartford | $137 | $398 |
| AAA | $147 | $660 |
Cheapest Arizona Car Insurance For Drivers With A Speeding Ticket: GEICO
Drivers with a speeding citation on their record can generally find the most affordable coverage from GEICO, with average rates of $38 per month or $460 per year for minimum coverage and $125 per month or $1,505 per year for full coverage.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $38 | $125 |
| Travelers | $46 | $162 |
| USAA | $58 | $244 |
| State Farm | $62 | $209 |
| Progressive | $88 | $248 |
| Auto-Owners | $91 | $307 |
| Farmers | $106 | $312 |
| The Hartford | $123 | $363 |
| AAA | $124 | $552 |
| Allstate | $128 | $359 |
Cheapest Arizona Car Insurance For Drivers With An At-Fault Accident: Travelers
If you cause a car accident in Arizona, your car insurance rates may go up. Travelers tends to offer the most affordable rates on average at about $49 per month or $592 per year for minimum coverage and $174 per month or $174 per year for full coverage.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $49 | $174 |
| GEICO | $56 | $167 |
| Auto-Owners | $67 | $239 |
| State Farm | $68 | $226 |
| USAA | $68 | $278 |
| Progressive | $99 | $287 |
| Farmers | $129 | $360 |
| Allstate | $131 | $351 |
| The Hartford | $148 | $415 |
| AAA | $155 | $687 |
Cheapest Arizona Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a drunk driving conviction, you may find the cheapest minimum car insurance in Arizona from Travelers for $52 per month or $630 per year on average. They also have rates of $180 monthly or $2,164 annually for full coverage.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $52 | $180 |
| State Farm | $62 | $209 |
| GEICO | $73 | $217 |
| Progressive | $81 | $223 |
| Auto-Owners | $91 | $307 |
| USAA | $106 | $449 |
| Farmers | $114 | $325 |
| The Hartford | $139 | $416 |
| Allstate | $146 | $395 |
| AAA | $163 | $742 |
Cheapest Arizona Car Insurance For Drivers With Poor Credit: GEICO
People who have bad credit have to pay more for their car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $49 per month or $585 per year and an average full-coverage rate of $164 per month or $1,972 per year.
| Cheapest Car Insurance in Arizona | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $49 | $164 |
| Travelers | $54 | $191 |
| USAA | $80 | $370 |
| Progressive | $101 | $299 |
| Allstate | $107 | $343 |
| Farmers | $126 | $393 |
| Auto-Owners | $134 | $482 |
| The Hartford | $162 | $528 |
| State Farm | $319 | $1,161 |
| AAA | $1,413 | $6,691 |
Average Cost Of Car Insurance In 10 Arizona Cities
Another thing that affects how much you pay for car insurance in Arizona is the exact location where you live. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are increased numbers of cars driving on the roads.
- More car accidents happening at a greater frequency
- More instances of breaking traffic rules.
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase risk have a greater impact on people who own cars in big cities. That’s why drivers in busy urban areas pay the highest average price for the minimum car insurance coverage. On the other hand, drivers in less populated rural areas, where there is less crime, are more likely to receive lower rates for insurance.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Tucson | $64 | $199 |
| Peoria | $73 | $208 |
| Yuma | $57 | $177 |
| Surprise | $65 | $194 |
| Flagstaff | $51 | $174 |
| Casa Grande | $61 | $181 |
| Avondale | $74 | $217 |
| Glendale | $76 | $217 |
| Buckeye | $64 | $200 |
| Bullhead City | $52 | $165 |
Top 5 Car Insurance Companies In Arizona
Apart from the price, we have assessed more than 40 insurance companies to determine the best five insurers for people living in Arizona, taking into account their coverage, service, and trustworthiness. Based on our research, we found GEICO to be the best provider for most drivers in Arizona. Here are the ratings we gave for our top recommendations.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #4 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #5 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Arizona
In Arizona, you have a few options to reduce the amount you pay for car insurance. These include:
- Opting for minimum coverage: If you want to pay the least amount for car insurance, just buy the minimum coverage that your state requires.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies can assist you in determining which provider is likely to offer the most favorable offer.
Many insurance companies offer usage-based insurance programs, which can help you save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant discount. However, certain programs may increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Arizona Require For Car Insurance?
Drivers in Arizona must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $15,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Arizona
When it comes to both minimum and full coverage, GEICO is the best and most affordable car insurance company for most drivers in Arizona. While the above costs can give you an idea of what you’d pay for car insurance in Arizona, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer convenient online tools where you can quickly get price estimates for free. Alternatively, you can also contact a company’s insurance agent or representative directly. Once you have gathered car insurance quotes from at least three providers, take the time to compare them and find the option that suits you best.
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Best Cheap Car Insurance In Arizona: FAQ
Here are some frequently asked questions about car insurance in Arizona:
How much is car insurance per month in Arizona?
The average cost of minimum-coverage car insurance in Arizona is $63 per month or $761 per year. For full coverage, the average is $218 per month or $2,617 per year.
Is California Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.