The cheapest car insurance in Arizona costs $109 per month for a full coverage policy from Geico. That’s a $42 savings from the average cost of insurance in the state, which is $151 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Arizona including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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 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.
Arizona drivers who pay lower insurance premiums
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 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 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 liability-only coverage in Arizona
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 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
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 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 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 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
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
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 auto 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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