- Among the companies analyzed by CarInsurance.com, GEICO stands out as the cheapest option for full coverage car insurance in Arizona, with an insurance premium of $109 per month.
- Drivers in Arizona with a clean record pay 39% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Arizona is Lake Havasu City, with an annual premium of $1,386.
- Arizona drivers can save up to 28% annually on their auto insurance policy by comparing price quotes from multiple carriers.
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.
Car insurance companies with cheap car insurance in Arizona
GEICO has the cheapest full coverage car insurance in Arizona, at an average premium of $109 per month or around $1,312 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Arizona. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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:
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[SKIP state=”MA|MI|MT|HI|NJ”]
- 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 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
Below, you’ll see average annual rates for major insurance providers in Arizona, ranked from cheapest to most expensive for state minimum coverage.
| 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 insurance providers for liability-only coverage in Arizona
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Arizona, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 car insurance in Arizona
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 following table lists the average annual rates of major insurance companies in Arizona from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
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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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Arizona, drivers with a history of such violations typically pay $797 more annually than drivers with clean records.
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 in Arizona after a DUI conviction
State Farm offers the cheapest car insurance to Arizona drivers with a DUI conviction at $1,742 per year and Travelers has the second-cheapest insurance premiums at $2,059 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 39% less than those with a history of 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 rates after an at-fault accident in Arizona
Auto-Owners is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,698.
Nationwide is the second most affordable option, providing full-coverage car insurance with 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.
Check out the most affordable insurance options in your neighboring state
Arizona cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Lake Havasu City is the city with the lowest premiums in Arizona at an annual auto insurance rate of $1,386.
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.
Find below a list of Arizona cities with the lowest 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 |
Explore the top 10 factors that influence 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.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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 |
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.
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