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.
- Geico has the cheapest car insurance rates in Arizona for full coverage at $109 a month among the companies analyzed by the team of CarInsurance.com.
- In Arizona, drivers with clean driving records pay 39% less than drivers with a DUI.
- The city of Lake Havasu City has the lowest auto insurance rates in Arizona, with an average premium of $1,386 per year.
- You can save up to 28% per year on your car insurance policy in Arizona by comparing price quotes from multiple insurers.
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 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 Arizona companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Arizona
Arizona requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 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 car insurance companies in Arizona for full coverage
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 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 auto insurance in Arizona by driving history
Your driving history impacts insurance premiums in Arizona, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
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 after a speeding ticket in Arizona
If you’ve got a speeding ticket on your Arizona driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,742 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Arizona.
| 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
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
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 accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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 Cities with the lowest auto insurance rates in Arizona
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.
The city with the lowest auto insurance rates in Arizona is Lake Havasu City, at $1,386 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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 car insurance in Arizona?
If you compare car insurance quotes, you could enjoy an annual saving of around 28% on a full coverage policy in Arizona.
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
Car insurance discounts in Arizona can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Arizona.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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
Based on our findings, Geico provides the cheapest rates for a full coverage policy in Arizona if you have 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:
- 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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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
Executive 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