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.
- 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.
Which company offers the cheapest car insurance rates in Arizona?
Geico offers the cheapest car insurance rates in Arizona for a full coverage policy with an average premium of $109 per month or around $1,312 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Arizona by different insurance carriers for a full coverage policy.
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.
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Who pays a lower insurance premium in Arizona?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 8% less than single drivers.
- Arizona drivers with clean records pay 39% less than drivers who have a DUI on their record.
- 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 insurers for different coverage levels in Arizona
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Arizona
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Arizona, you must have at least the following insurance coverage on your car.
| 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.
Below, you’ll see average annual rates for major insurance providers in Arizona, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 car insurance in Arizona
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below lists major insurance providers in Arizona based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
Cheapest car insurance in Arizona by driving history
In Arizona, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Arizona, drivers with a history of traffic violation pay an average of $797 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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.
Cheap car insurance rates after a DUI conviction in Arizona
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.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 39% less than drivers with a DUI on their record.
| 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 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Arizona have the lowest auto insurance rates?
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Arizona, Lake Havasu City stands out as the city with the lowest auto insurance rates, at an average of $1,386 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Arizona with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Arizona?
Shopping around for car insurance quotes in Arizona can help drivers save 28% annually on full coverage policies.
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
In Arizona, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Arizona below.
| 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 |
The bottom line 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.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Arizona, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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:
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Arizona