Low-cost car insurance in Arizona

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Drivers in Arizona can find the cheapest average premium with Travelers, at $1,707 per year. By comparison, the statewide average monthly cost is $194. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Arizona requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $15,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Arizona, depending on your situation.

Key Takeaways

Travelers offers the lowest car insurance rates in Arizona, at $1,707 per year, which is about $626 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,429.
The ZIP code 86403 has the low-cost car insurance rates in Arizona, at an average annual rate of $1,748.

Low-cost car insurance companies in Arizona

Travelers offers the lowest car insurance rates in Arizona, with an average annual premium of $1,707 per year. It’s $626 less expensive than the average car insurance cost in Arizona. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Travelers	$1,707
GEICO	$1,796
Progressive	$2,114
Auto-Owners	$2,258
Nationwide	$2,636
Allstate	$2,846
Farmers	$2,865
State Farm	$2,883
CSAA Insurance (AAA)	$4,965
USAA*	$1,880

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Arizona

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Arizona

In Arizona, drivers living in the 86403 ZIP code enjoy the lowest average annual premium at $1,748. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
86403	Lake Havasu City	$1,748
86404	Lake Havasu City	$1,781
86406	Lake Havasu City	$1,802
86409	New Kingman-Butler	$1,844
86436	Topock	$1,853
86431	Chloride	$1,860
85360	Wikieup	$1,865
86438	Yucca	$1,865
86401	Kingman	$1,870
86429	Bullhead City	$1,874

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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.

Car insurance rates in Arizona by city

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Low-cost car insurance in Arizona by age

Teenagers pay significantly more for car insurance than adults in Arizona. For instance, a 16-year-old driver pays $9,259 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Arizona.

Age group	Full coverage annual premiums
Teens (16-19)	$8,882
Young Adults (20-24)	$3,759
Adults (25-60)	$2,329
Seniors (65-75)	$2,376

Low-cost car insurance in Arizona by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Arizona

One speeding ticket in Arizona can cause your insurance rates to jump by 37%, or roughly $871 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,707	$2,503	47%	$796
Progressive	$2,114	$2,951	40%	$837
State Farm	$2,883	$3,066	6%	$183
GEICO	$1,796	$3,286	83%	$1,490
Farmers	$2,865	$3,691	29%	$825
Nationwide	$2,636	$3,921	49%	$1,285
Auto-Owners	$2,258	$4,025	78%	$1,767
Allstate	$2,846	$4,286	51%	$1,440
CSAA Insurance (AAA)	$4,965	$6,210	25%	$1,245
USAA*	$1,880	$2,431	29%	$551

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Arizona

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Travelers has the lowest average rate at $2,429 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Arizona with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,707	$2,429	42%	$722
GEICO	$1,796	$2,778	55%	$981
Auto-Owners	$2,258	$3,141	39%	$884
State Farm	$2,883	$3,312	15%	$428
Progressive	$2,114	$3,456	63%	$1,342
Nationwide	$2,636	$3,759	43%	$1,123
Allstate	$2,846	$4,038	42%	$1,192
Farmers	$2,865	$4,573	60%	$1,707
CSAA Insurance (AAA)	$4,965	$7,888	59%	$2,923
USAA*	$1,880	$2,894	54%	$1,014

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Arizona

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Arizona are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,114	$2,577	$463	22%
Travelers	$1,707	$2,613	$906	53%
State Farm	$2,883	$3,066	$183	6%
GEICO	$1,796	$3,816	$2,020	112%
Auto-Owners	$2,258	$4,025	$1,767	78%
Allstate	$2,846	$4,688	$1,842	65%
Farmers	$2,865	$5,383	$2,517	88%
Nationwide	$2,636	$5,426	$2,790	106%
CSAA Insurance (AAA)	$4,965	$8,355	$3,390	68%
USAA*	$1,880	$4,483	$2,603	138%

*USAA is only available to military community members and their families.

Average cost of car insurance Arizona

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Arizona, the average cost of full coverage is $180 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Arizona, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Arizona.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Arizona. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.