Home Car insurance Car insurance rates by state Cheapest car insurance in Arizona Cheapest car insurance in Arizona In Arizona, GEICO offers the cheapest auto insurance rates at $1,312 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 20, 2025 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. GEICO provides the cheapest car insurance in Arizona at $1,312 a year. Your rates may vary, but the average premium is $151 per month in Arizona, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in Arizona, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $15,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Here’s a breakdown of the cheapest car insurance company in each category. Cheapest overall: GEICO $1,312/year National avg. rate Cheapest for at-fault accident: GEICO $2,029/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Travelers $2,183/year Avg. rate after speeding ticket Key Takeaways GEICO offers Arizona drivers the cheapest car insurance rate at $1,312 annually, which is around 28% lower than the state’s average cost.In Arizona, you can find the cheapest car insurance from GEICO at an annual cost of $2,029, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 86403 ZIP code has the cheapest car insurance rates for Arizona drivers, with an average cost of $1,364 a year. Cheap car insurance companies in ArizonaGEICO offers Arizona’s most affordable car insurance rates, at $1,312 per year, 28% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.The table below shows the most affordable car insurance companies and their average annual premiums.CompanyAverage annual ratesGEICO$1,312Travelers$1,489Auto-Owners$1,539Nationwide$1,726Progressive$1,903Allstate$2,215State Farm$2,233Farmers$2,331USAA*$1,581 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Arizona 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in ArizonaIn Arizona, the 86403 ZIP code has the most affordable car insurance rates at $1,364. The table below shows the cheapest ZIP codes for car insurance rates.ZIP codeCityAverage annual rates86403Lake Havasu City$1,36486404Lake Havasu City$1,38786406Lake Havasu City$1,40686409New Kingman-Butler$1,43086436Topock$1,43886431Chloride$1,44686401Kingman$1,44886438Yucca$1,44885360Wikieup$1,45885615Hereford$1,461Auto 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 cityChandlerMesaPhoenixScottsdaleTucsonCheapest car insurance in Arizona by ageIn Arizona, insurance rates for young drivers are significantly higher than for adults, as they are more prone to accidents and filing claims. Insure.com’s analysis shows that a 16-year-old pays $7,403 more for car insurance than a 40-year-old driver.The following table shows the cheapest car insurance premiums for drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$7,075Young Adults (20-24)$2,944Adults (25-60)$1,806Seniors (65-75)$1,848 You might find interesting The best, cheapest car insurance in ArizonaArizona car insurance calculatorNon-owner car insurance in Arizona: Which company has the cheapest rates?Cheapest SR-22 insurance in ArizonaBest and cheapest companies for home and auto bundles in Arizona Cheapest car insurance in Arizona by driver historyInsurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.Cheapest car insurance after a speeding ticket in ArizonaHere are the top three companies offering affordable rates for car insurance after a speeding ticket.Travelers: $2,183 per yearState Farm: $2,375 per yearGEICO: $2,400 per yearInsure.com data shows that a single speeding ticket in Arizona can result in a 37% or $677 increase in insurance rates.Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Arizona, below are insurers that provide cheap rates after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseTravelers$1,489$2,18347%$694State Farm$2,233$2,3756%$142GEICO$1,312$2,40083%$1,088Nationwide$1,726$2,56749%$841Progressive$1,903$2,65740%$754Auto-Owners$1,539$2,74378%$1,204Farmers$2,331$3,00329%$672Allstate$2,215$3,33551%$1,120USAA*$1,581$2,04529%$464 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in ArizonaHere are the top three companies that offer cheap car insurance after an accident:GEICO: $2,029 per yearTravelers: $2,119 per yearAuto-Owners: $2,141 per yearGEICO offers the cheapest car insurance rates to drivers after an at-fault accident at about $2,029 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseGEICO$1,312$2,02955%$717Travelers$1,489$2,11942%$630Auto-Owners$1,539$2,14139%$602Nationwide$1,726$2,46143%$735State Farm$2,233$2,56515%$332Progressive$1,903$3,11163%$1,208Allstate$2,215$3,14342%$928Farmers$2,331$3,72060%$1,389USAA*$1,581$2,43554%$854 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in ArizonaBelow is a list of the top three companies offering affordable car insurance following a DUI conviction.Travelers: $2,279 per yearProgressive: $2,320 per yearState Farm: $2,375 per yearIf you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseTravelers$1,489$2,279$79053%Progressive$1,903$2,320$41722%State Farm$2,233$2,375$1426%Auto-Owners$1,539$2,743$1,20478%GEICO$1,312$2,787$1,475112%Nationwide$1,726$3,552$1,826106%Allstate$2,215$3,648$1,43365%Farmers$2,331$4,380$2,04988%USAA*$1,581$3,770$2,189138% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in ArizonaFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Arizona is $83 less than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in Arizona?Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.If you lease or finance a car in Arizona, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.Final thoughtsWhen 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.Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in Arizona.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in ArizonaHow we choose the cheapest car insurance companies in ArizonaCheapest ZIP codes for car insurance in ArizonaCheapest car insurance in Arizona by ageCheapest car insurance in Arizona by driver historyAverage car insurance cost in ArizonaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330