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 has the lowest average car insurance premium in Arizona, costing $1,707 per year. That’s $626 the state average.
For drivers with an at-fault accident on record, Travelers offers the most affordable coverage at around $2,429 annually.
The 86403 ZIP code stands out as the cheapest area for auto insurance in Arizona, with an average yearly cost of $1,748.

Low-cost car insurance businesses in Arizona

When comparing insurers in Arizona, Travelers leads the pack with an annual average of $1,707. That’s $626 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Arizona.

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

Drivers in 86403 benefit from the lowest average premium in the state, at $1,748 per year. See the table below to find other ZIP codes in Arizona where insurance tends to be cheaper.

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

Teen drivers in Arizona pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $9,259 more than a 40-year-old driver in Arizona.

The table below shows low-cost car insurance rates for drivers of different ages.

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

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Arizona

Just one speeding ticket in Arizona can raise your rates by 37% – $871 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $2,429.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Arizona offer the most affordable 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 car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Arizona, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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.