The best, cheapest car insurance in Arizona

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Best car insurance company in Arizona

Drivers in Arizona pay an average of $1,812 a year, or $151 per month, which is the 30^th highest in the country, according to our research.

Actual car insurance rates vary by company, and Auto-Owners, GEICO, and others continue to offer some of the most competitive premiums in Arizona.

When it comes to the best cheap car insurance in Arizona, Auto-Owners is our No. 1 choice followed by GEICO and Travelers.

Auto-Owners scores well with third-party rating organizations and it has an average premium in Arizona of $1,539 a year, or $128 a month, which is roughly $273 less than the Arizona average.

The best car insurance companies in Arizona

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state/regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

You might find interesting

Explore related topics

• Arizona car insurance calculator
• Arizona car insurance: Rates, state minimum requirements and best companies
• Average car insurance cost in Arizona
• Car insurance calculator for teens in Arizona
• Cheapest SR-22 insurance in Arizona
• Do you need insurance to register a car in Arizona?
• How much car insurance costs in Arizona vs. California
• How much is gap insurance in Arizona
• Low-cost car insurance in Arizona
• Non-owner car insurance in Arizona: Which company has the cheapest rates?
• Best and cheapest companies for home and auto bundles in Arizona

See more

Cheapest car insurance in Arizona

GEICO has the lowest average rate in Arizona at $1,312 a year or $109 a month.

Travelers is the next most affordable at $1,489 annually and Auto-Owners at $1,539. While these insurers had the cheapest average premiums, there are plenty of other options for coverage in the state.

Insurers consider a wide variety of factors when setting a rate and use proprietary algorithms which can result in dramatic differences in premium quotes. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Arizona, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

The data shows how shopping around for coverage can result in savings. While GEICO had the lowest average rate at $1,312, Farmers was the most expensive at $2,331.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Arizona

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Full coverage car insurance in Arizona

As noted, the rates above are for full coverage car insurance. Residents of Arizona will often be advised to get full coverage, which includes both liability protection as well as collision and comprehensive. Liability helps pay medical and legal bills for injuries or damages you are responsible for after an accident. However, liability doesn’t cover damage to your vehicle or your injuries.

Collision will pay to repair your vehicle if it is damaged after colliding with another vehicle or object. Comprehensive covers perils such as fire, theft, flooding, vandalism and more.

You can find out more about liability, collision, and comprehensive coverage here.

Shopping for car insurance in Arizona

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. “However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – I am going to recommend and quote at least 50/100/100. Depending on their age, income and profession, I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Arizona by age

Statistics show that young drivers, because they are inexperienced and tend to take more risks, have more accidents and claims, all of which lead to higher premiums for younger drivers.

“Data indicates that teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups,” says Chong Gao, director of product management R&D at Mercury Insurance. “For teenagers, the lack of driving experience is a significant factor that impacts their rates; younger drivers with little experience behind the wheel tend to pay higher insurance premiums.”

GEICO is the cheapest insurer in Arizona for teens.

Age factors into a premium as the data clearly shows. Teens pay the highest rates by far with the lowest premium coming in at $3,381 which is 163% more expensive than the most affordable coverage for seniors at $1,284 and 86% more than young drivers’ best rate of $1,816.

Rates start to drop, assuming their driving record stays clean as teens move into their young adult years and tend to stay stable until a driver gets into their 70s when rates will go up a bit.

Cheapest car insurance for senior drivers in Arizona

According to our data, senior drivers pay roughly 31% more than middle-aged drivers.

Seniors tend to pay slightly higher car insurance rates than younger drivers. In Arizona, the cheapest insurance company for senior drivers is GEICO at $1,284 a year or $107 a month. Travelers grabbed the second-place spot with premiums running $1,539 annually or $128 a month, Nationwide was third at $1,623.

Seniors pay higher rates thanks to age-related issues. They often suffer from vision and hearing issues as well as slowing reflexes and medical issues. This all leads to more accidents and claims, which pushes up the cost to insure seniors.

The chart below shows the average premium for senior drivers.

Average rates for seniors in Arizona

Car insurance for young drivers in Arizona

Young drivers (21-25) have seen their premiums drop from their teen years, but they still pay more than more experienced drivers. In Arizona, GEICO is the cheapest option for young adults with a yearly premium of $1,816 or $151 a month.

Travelers is the next most affordable with an average rate of $2,324 followed by Auto-Owners at $2,621.

Young drivers who maintain a clean driving record can expect their rates to drop even more as they reach their late 20s.

The table below shows the best insurers for young drivers in Arizona:

Average rates for young drivers in Arizona

Car insurance for teen drivers in Arizona

Insuring a teen is always expensive; statistics show that inexperienced teen drivers get into more accidents and file more claims than more experienced drivers. In Arizona, the best insurer for teen drivers is GEICO with an annual premium of $3,381 or $282 a month. Auto-Owners was second most affordable at $4,384 a year or $365 monthly while Travelers was number three at $4,793.

While teens are expensive to insure, there are a few ways to save some money. Most insurers offer a good student discount so if your teen is carrying a B average or above you should ask for a discount. Putting them in an older vehicle will also lower your insurance costs.

The chart below shows average premiums for teens.

Average rates for teens in Arizona

Average cost of car insurance in Arizona

In Arizona, the average premium is $1,812, which makes Arizona the 30^th most expensive state for coverage.

All states have large metropolitan areas, which will always push up the cost of insurance as more vehicles on the road lead to more accidents and claims. A high crime rate will also impact rates.

“If a state has a higher rate of car insurance claims associated with vandalism or car theft, prices are usually higher because car insurance companies view insuring these cars as a higher risk for them,” says Chong Gao, director of product management R&D at Mercury Insurance.

The chart below is the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in Arizona

Which Arizona ZIP codes are most expensive for car insurance?

Where your vehicle spends its days and nights will impact your rate. Frequent severe weather or a high crime rate will raise the cost of insurance for everyone in the area.

Our data shows that Phoenix is the most expensive area for coverage with an average premium of $2,251 a year.

Here are the most expensive ZIP codes in Arizona for car insurance:

Most expensive ZIP codes in Arizona

Which Arizona ZIP codes are the cheapest for car insurance?

When it comes to cheap car insurance in Arizona, these ZIP codes have the most affordable coverage. The area around Lake Havasu City has the lowest premiums in Arizona with an average premium of $1,386.

Least expensive ZIP codes in Arizona

Cheapest car insurance for high-risk drivers in Arizona

Drivers with a speeding ticket, DUI or at-fault accident on their record are often considered high-risk drivers and end up paying more for coverage. The increase can range from reasonable for a speeding ticket to a big leap in costs for a DUI.

The data showed that a speeding ticket will result in a 42% increase, pushing the average rate to $2,359. Speeding tickets will typically impact your premium for at least three years.

An at-fault accident will raise your rates by 66% to an average of $2,765. A DUI will result in the biggest increase, sending your premium up 101% to an average of $3,336.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in Arizona after a traffic incident

Minimum car insurance requirements in Arizona

Most states require drivers to carry a minimum amount of liability car insurance, and Arizona is no exception. Drivers are required to carry 25/50/15 in liability coverage, which translates into:

• $25k for injury/death per person
• $50k for injury/death per accident
• $15k for damage to property

But state-required minimums are rarely enough coverage in a serious accident. If you cause an accident and the damages exceed your coverage levels, you will need to cover the damages out of pocket.

The most common required coverages are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $25,000 property damage.

Experts typically recommend carrying 100/300/100 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Arizona.”

Mark Vallet

Contributing Researcher

 

|

 . .

Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.

Explore other insurance options in Arizona

Non-owner car insurance in Arizona

Average renters insurance cost in Arizona

Average homeowners insurance cost in Arizona