- According to recent data, GEICO offers the cheapest full coverage car insurance in Arizona at $109 per month.
- Arizona drivers with a clean driving record pay 39% less for car insurance than drivers with a DUI.
- In Arizona, the city of Lake Havasu City has the most affordable car insurance rates at $1,386 annually.
- Comparing price quotes from multiple insurers can help you save up to 28% per year on your car insurance policy in Arizona.
You can find the cheapest full-coverage car insurance in Arizona for $109 a month from GEICO. It saves you $42 compared to the state average car insurance cost of $151 monthly.
Shopping for car insurance in Arizona can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Arizona should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance rates in Arizona?
Based on data analysis by CarInsurance.com, GEICO provides the cheapest full coverage auto insurance rates for Arizona drivers at a monthly rate of $109 or $1,312 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Arizona.
Cheapest car insurance rates in Arizona per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $109 |
| Travelers | $124 |
| Auto-Owners | $128 |
| Nationwide | $144 |
| Progressive | $159 |
| Allstate | $185 |
| State Farm | $186 |
| Farmers | $194 |
| USAA* | $132 |
Note: USAA is only available to military community members and their families.
Who pays a lower insurance premium in Arizona?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 8% less than single drivers.
- Arizona drivers with clean records pay 39% less than drivers who have a DUI on their records.
- Arizona drivers in their 20s pay 68% lower rates for insurance than a 16-year-old in Arizona.
- Adding a teen to your policy will cost you 67% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 29% less on their insurance premiums.
- Drivers insured for three or more years can save up to 23% on their insurance costs.
Cheapest companies for different coverage levels in Arizona
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- GEICO offers the cheapest car insurance for a full coverage policy (100/300/100) in Arizona.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Arizona
In Arizona, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $15,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Arizona’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| GEICO | $369 |
| Auto-Owners | $374 |
| Travelers | $480 |
| Allstate | $566 |
| State Farm | $613 |
| Progressive | $639 |
| Nationwide | $662 |
| Farmers | $669 |
| USAA* | $275 |
Note: USAA is only available to military community members and their families.
Cheapest Arizona insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Arizona’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Auto-Owners | $520 |
| GEICO | $538 |
| Travelers | $649 |
| Nationwide | $805 |
| State Farm | $850 |
| Progressive | $866 |
| Allstate | $940 |
| Farmers | $1,210 |
| USAA* | $507 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Arizona
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Arizona, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,312 |
| Travelers | $1,489 |
| Auto-Owners | $1,539 |
| Nationwide | $1,726 |
| Progressive | $1,903 |
| Allstate | $2,215 |
| State Farm | $2,233 |
| Farmers | $2,331 |
| USAA* | $1,581 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Speak with a friendly agent and get your quote in minutes!
Cheapest car insurance in Arizona, by driving history
Your driving history affects how much you pay for insurance in Arizona because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $797 more annually in Arizona than an individual with a clean driving record.
Cheap car insurance rates in Arizona after a speeding ticket
A speeding ticket can impact your Arizona car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,742 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,602 | $1,742 | 9% | $139 |
| Nationwide | $1,233 | $1,785 | 45% | $551 |
| Auto-Owners | $1,238 | $1,852 | 50% | $614 |
| GEICO | $1,079 | $1,917 | 78% | $838 |
| Travelers | $1,335 | $1,969 | 48% | $634 |
| Hartford | $1,541 | $2,111 | 37% | $570 |
| Mercury Insurance | $1,534 | $2,378 | 55% | $844 |
| Progressive | $1,829 | $2,440 | 33% | $611 |
| CSAA (AAA) | $2,232 | $2,729 | 22% | $496 |
| Farmers | $2,345 | $3,034 | 29% | $689 |
| Allstate | $2,219 | $3,397 | 53% | $1,179 |
| USAA* | $1,360 | $1,749 | 29% | $390 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Arizona after a DUI conviction
Arizona drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,742 a year, followed by Travelers with an annual premium of $2,059 annually, based on recent data.
If you have a clean record, you are likely to pay 39% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,602 | $1,742 | 9% | $139 |
| Travelers | $1,335 | $2,059 | 54% | $724 |
| Progressive | $1,829 | $2,092 | 14% | $263 |
| Auto-Owners | $1,238 | $2,159 | 74% | $921 |
| GEICO | $1,079 | $2,207 | 105% | $1,129 |
| Mercury Insurance | $1,534 | $2,224 | 45% | $690 |
| Hartford | $1,541 | $2,307 | 50% | $766 |
| Nationwide | $1,233 | $2,431 | 97% | $1,198 |
| CSAA (AAA) | $2,232 | $3,643 | 63% | $1,411 |
| Allstate | $2,219 | $3,739 | 69% | $1,520 |
| Farmers | $2,345 | $4,065 | 73% | $1,720 |
| USAA* | $1,360 | $3,203 | 136% | $1,844 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Arizona after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $1,698 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,716.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Auto-Owners | $1,238 | $1,698 | 37% | $461 |
| Nationwide | $1,233 | $1,716 | 39% | $483 |
| GEICO | $1,079 | $1,790 | 66% | $711 |
| State Farm | $1,602 | $1,881 | 17% | $279 |
| Travelers | $1,335 | $1,910 | 43% | $575 |
| Hartford | $1,541 | $2,292 | 49% | $752 |
| Progressive | $1,829 | $2,914 | 59% | $1,085 |
| Allstate | $2,219 | $3,168 | 43% | $950 |
| Mercury Insurance | $1,534 | $3,296 | 115% | $1,763 |
| CSAA (AAA) | $2,232 | $3,426 | 54% | $1,194 |
| Farmers | $2,345 | $3,639 | 55% | $1,293 |
| USAA* | $1,360 | $2,076 | 53% | $716 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in Arizona have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Arizona is Lake Havasu City, at $1,386 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Arizona with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Lake Havasu City | $1,386 |
| New Kingman-Butler | $1,430 |
| Topock | $1,438 |
| Chloride | $1,446 |
| Yucca | $1,448 |
| Wikieup | $1,458 |
| Hereford | $1,461 |
| Bullhead City | $1,474 |
| Hackberry | $1,476 |
| Sierra Vista Southeast | $1,477 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Arizona?
By comparing car insurance quotes, you can save an average of 28% per year for a full coverage policy in Arizona.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Arizona: Save on premiums
Arizona drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Arizona.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $13 |
| Anti-theft device | 1% | $16 |
| Days advanced purchase | 8% | $181 |
| Education | 5% | $78 |
| Electronic funds transfer | 4% | $97 |
| Electronic signature | 8% | $147 |
| Homeowner | 6% | $134 |
| Lower annual mileage | 5% | $88 |
| Loyalty – years renewal with company | 14% | $366 |
| Marital status | 8% | $192 |
| Multi policy | 9% | $192 |
| Paperless/electornic documents | 4% | $98 |
| Payment type | 7% | $191 |
| Primary use | 5% | $113 |
| Profession | 11% | $194 |
| Safety devices | 3% | $48 |
| Telematics | 9% | $190 |
| Years insured | 22% | $723 |
| Years licensed | 27% | $1,202 |
Final thoughts on cheap car insurance in Arizona
Our research shows that GEICO has the cheapest full coverage car insurance rates in Arizona for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Arizona, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Arizona for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
