Cheapest Auto Insurance in Arizona (2025)

Auto-Owners offers the cheapest car insurance quotes in Arizona, with liability-only coverage as low as $45 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 años de experiencia en redacción de contenidos

  • Artículos en destacadas publicaciones financieras

Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.

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Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Cheapest recent car insurance quotes in Arizona

Drivers in and around Arizona have found policies from Liberty Mutual, Farmers, Just Pay-Per-Mile, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Arizona drivers pay an average of $172 per month for a full-coverage policy and $92 for liability-only coverage, according to Insurify data. By comparison, the national average costs for full coverage and liability are $197 and $105, respectively.

The states relatively low population density and low rate of traffic fatalities likely contribute to its lower car insurance rates. Arizona drivers may find even lower rates from Auto-Owners, Mile Auto, or State Farm, three of the cheapest car insurance companies in the state.

Comparing car insurance quotes from multiple companies can help ensure you find the best rates for your unique needs and driver profile.

Quick Facts
  • In Phoenix, the states most-populated city, drivers pay a monthly average of $208 for full coverage and $117 for liability-only coverage, Insurify data shows.

  • Arizona recorded 119,991 traffic accidents in 2022, and less than 1% were fatal, according to Arizona Department of Transportation data.

  • Senior drivers in Arizona pay an average of $128 per month for full-coverage car insurance.

3 of the cheapest car insurance companies in Arizona

The right car insurance for you will depend on your situation. Whether you’re looking for a company that offers the best rates for your teenager or an insurer that gives you the best bang for your buck on short-term car insurance, assessing your specific needs can aid you in your search for car insurance.

Here are the cheapest car insurance companies in Arizona.

Auto-Owners

Auto-Owners logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo
4.0
Best choiceBased on 157 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (97)

Keith

February 23, 2025

Verified Review

My Experience with Auto Owners

I recommend checking around with other car insurance companies as well.

Stephen

February 19, 2025

Verified Review

Trying to Lower My Insurance Cost

I find the representatives to be fair and friendly. They answer all my questions. I'm just trying to lower my bills and get a better price on insurance.

Mary

February 17, 2025

Verified Review

Online Comparisons Name Progressive as Having the Lowest Rates

I initially thought my rates were high due to increases in premiums this year. However, after requesting online comparisons, I found that my current insurance company, Progressive, offered the lowest rates.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you get a DUI on record, you can expect to see your insurance rates skyrocket because you’ve become more of a liability to insurers. But Auto-Owners provides competitive liability-only insurance rates to drivers with a DUI violation.

Pros
  • Low number of complaints with the National Association of Insurance Commissioners (NAIC)

  • Variety of insurance product bundles available

Cons
  • Below-average customer satisfaction ranking in J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study

  • Must contact an independent agent to obtain a quote

Mile Auto

Mile Auto logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$89/mo
4.2
Best choiceBased on 68 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (36)

Richard

January 13, 2025

Verified Purchase

Loose Time Frames

They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.

James

January 13, 2025

Verified Purchase

So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.

So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.

Matthew

January 9, 2025

Verified Purchase

Great Cheap Auto Insurance!

Give them a try if you are a new driver and drive an old car that will get totaled in any accident due to the repair costs exceeding the fair market value of your car.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

New and young drivers tend to see lofty rates on their insurance policy. However, Mile Auto is a superior option for teen drivers looking for an affordable and flexible way to get coverage. Low-mileage teen drivers in Arizona may pay lower rates than their peers, depending on how much they drive. 

Pros
  • Offers the legal minimum coverage with the option to add additional coverage as needed

  • Doesn’t use telematics devices

Cons
  • No discounts or bundling available 

  • Exclusively sells pay-per-mile policies


State Farm

State Farm logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
4.2
Best choiceBased on 9,610 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,292)

Ken

February 27, 2025

Verified Review

Tired of Paying for Car Insurance

My payments keep increasing, making it too expensive to maintain insurance coverage on my car.

Hank

February 27, 2025

Verified Review

Good

It was good, I just need cheaper insurance.

Betty

February 27, 2025

Verified Review

Fair

They do not offer discounts for an excellent driving record and top credit rating.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm offers some of the lowest rates for Arizona drivers and has a strong reputation for customer service excellence. The insurer earned an above-average customer satisfaction ranking in J.D. Power’s 2024 U.S. Insurance Study. Widely available throughout the U.S., State Farm also has a below-average number of complaints in the National Association of Insurance Commissioners' Consumer Complaint Index.

Pros
  • Competitive prices for Arizona drivers

  • Offers rideshare insurance

Cons
  • Gap insurance not available

  • May not be the cheapest option for drivers with motor vehicle violations

How to get the cheapest car insurance in Arizona

Your age, gender, driving record, claim history, vehicle type, credit history, and location can influence your policy costs.[1] You may carry additional risk in one area, causing your insurance premiums to increase, but show low-risk characteristics in another.

Fortunately, you can reduce your costs without compromising coverage in the following ways:

  • Shop around. Researching insurers and comparing quotes from different companies can help you find an affordable policy that checks all your boxes.

  • Raise your deductible. A higher collision and comprehensive deductible usually means lower monthly premiums. But you want to ensure you can afford the deductible if you file a claim.

  • Look for discounts. Discounts exist for car safety features, bundling multiple insurance products such as home and auto, and even putting your policy on automatic payments. Stacking discounts can help you reduce your costs significantly.

  • Maintain good credit. Many states, including Arizona, allow insurance companies to use a policyholder’s credit history to generate a credit-based insurance score that helps determine premiums.[2] Improving or maintaining a high credit score can keep your insurance expenses low.

Low-cost car insurance in Arizona

Arizona doesn’t have a state program geared toward connecting low-income drivers with a cheaper car insurance policy. If you’re looking for a low-cost car insurance policy in Arizona, you should shop around for car insurance quotes from three to five insurance companies to ensure you’re always with the cheapest insurer in your area. Companies routinely revise their rates, and a company that gave you the best deal six months ago may not have the best deal for you today.

Cheapest liability-only car insurance quotes in Arizona: Auto-Owners

Liability-only car insurance only pays for the other driver’s expenses related to bodily injury and property damages if you cause a car accident. Like most states, Arizona requires its drivers to have minimum liability coverage. While liability-only insurance is the most affordable option, it won’t cover your medical bills or vehicle repairs.

The table below shows the cheapest car insurance companies for liability-only coverage in Arizona.

The below rates are estimated rates current as of: Thursday, February 27 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Auto-Owners$45
Mile Auto$52
State Farm$56
GEICO$57
USAA$62
Metromile$74
Root$79
National General$84
Sun Coast$85
Allstate$93
Travelers$96
Progressive$99
Mercury$100
Dairyland$105
COUNTRY Financial$108
American Family$109
Safeco$111
Direct Auto$111
The Hartford$112
Farmers$113
Clearcover$115
The General$116
Bristol West$121
Nationwide$126
GAINSCO$129
Commonwealth Casualty$162
AssuranceAmerica$166
Liberty Mutual$178
Hugo$184
Foremost$219
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Arizona: Auto-Owners

While liability-only insurance covers damages to other people and their property if you’re at fault in an accident, with a full-coverage policy, you get liability, collision, and comprehensive coverage. Collision coverage pays for your car repairs during an accident regardless of who’s at fault, while comprehensive coverage protects against non-collision events like theft and natural disasters.

If you have a loan or lease on your vehicle, live in a high-risk area, or use your car frequently, you may benefit from having full-coverage insurance. The table below illustrates full-coverage rates from top insurers in Arizona.

The below rates are estimated rates current as of: Thursday, February 27 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Auto-Owners$74
Mile Auto$89
State Farm$91
GEICO$94
USAA$102
Metromile$121
Root$125
Allstate$152
Travelers$157
Safeco$161
Sun Coast$161
Mercury$168
Progressive$174
COUNTRY Financial$178
American Family$179
The Hartford$183
Farmers$185
Clearcover$192
National General$200
Nationwide$206
Direct Auto$234
Bristol West$238
Liberty Mutual$249
The General$252
Dairyland$279
GAINSCO$306
AssuranceAmerica$309
Commonwealth Casualty$395
Foremost$427
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Your age affects how much you pay for car insurance. Teenagers and other young drivers pay the highest average car insurance premiums by age due to a lack of driving experience and higher chances of car accidents. Drivers between 35 and 70 typically have lower rates as they age, but senior drivers 70 and older tend to pay slightly higher rates due to aging-related risk factors.

    Below, you can see the average monthly quotes for liability and full-coverage insurance for Arizona teen, adult, and senior drivers.

    Age Group
    Average Quote: Liability Only
    Average Quote: Full Coverage
    Teen drivers$192$360
    Adult drivers$85$158
    Senior drivers$69$128

Cheapest recent car insurance quotes in Arizona

Drivers in and around Arizona have found policies from Liberty Mutual, Mile Auto, HiRoad, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Arizona

If you’re a driver in Arizona, it’s essential to know that the state follows the tort system, which holds the at-fault driver financially responsible for the damages and injuries resulting from the accident. Here are the minimum liability coverages that drivers in Arizona must carry.[3]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

While the state of Arizona doesn’t legally require the following insurance, consider these coverages to strengthen your policy:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

    “Arizona does have a high rate of uninsured drivers,” says Nicole Lamanes, insurance and marketing agent at Insurance Brokers of Arizona. “It’s important to carry uninsured/underinsured motorist coverage to help cover any injuries if a driver is involved in an accident with an uninsured motorist.”

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments insurance (MedPay)

    This coverage steps in if you need to pay for your or your passenger’s medical expenses from a vehicular accident but your health insurance doesn’t cover all the expenses.

Cheapest car insurance companies in Arizona by driving record

If you have driving incidents in Arizona, such as at-fault accidents, speeding tickets, DUIs, or other moving violations, you may see an increase in your insurance rates. Insurance companies may charge you more for coverage because they consider you a high-risk driver, and your likelihood of having another traffic violation is higher than someone with a clean driving record.

For example, the average cost of liability insurance for Arizona drivers with a clean record is $92 per month, but the average is $215 per month for people with an incident.

The below rates are estimated rates current as of: Thursday, February 27 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Speeding Ticket
Avg. Quote With At-Fault Accident
Avg. Quote With DUI/DWI
Auto-Owners$58$60$72
Mile Auto$66$70$84
State Farm$71$74$90
GEICO$73$76$92
USAA$79$82$100
Metromile$101$105$119
National General$107$110$135
Root$110$114$115
Sun Coast$115$118$135
Allstate$119$124$149
Travelers$124$128$154
Progressive$126$134$159
Dairyland$134$139$169
Mercury$137$144$151
American Family$140$146$175
Direct Auto$143$151$178
COUNTRY Financial$143$150$174
Farmers$145$150$182
Safeco$145$151$170
Clearcover$147$166$185
The General$154$158$186
Bristol West$156$161$195
The Hartford$161$167$168
Nationwide$163$169$203
GAINSCO$176$164$207
AssuranceAmerica$210$214$267
Commonwealth Casualty$221$212$260
Hugo$230$259$296
Liberty Mutual$243$251$286
Foremost$299$308$352
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
SR-22 Companies in Arizona

SR-22 Companies in Arizona

Car insurance rates across Arizona cities

The city you live in affects your car insurance rate. This is because your city, down to the neighborhood you live in, affects the probability of you filing a claim. Check out the table below to have a closer look at the average car insurance quote across Arizona.

  • City
    Average Quote: Liability Only
    Average Quote: Full Coverage
    Casa Grande$83$166
    Flagstaff$71$130
    Glendale$119$205
    Lake Havasu City$60$111
    Mesa$101$172
    Phoenix$117$208
    Scottsdale$96$169
    Tempe$104$188
    Tucson$88$157
    Yuma$77$140
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Arizona car insurance FAQs

Check out Insurify’s guide on how to lower your car insurance rates to get cheaper insurance in Arizona. Here are answers to common questions about auto insurance in the state.

  • How much is car insurance in Arizona?

    Car insurance in Arizona costs an average of $92 per month for liability-only coverage and $172 for full-coverage insurance, according to Insurify data. By comparison, the national averages are $105 and $197, respectively.

  • Which company has the cheapest car insurance in Arizona?

    Auto-Owners offers the lowest car insurance rates in Arizona, with liability-only policies that start at $45 per month. Arizona drivers can also find cheap car insurance with the states second- and third-cheapest insurers, Mile Auto and State Farm. Their monthly liability rates average $52 and $56, respectively.

  • What are the best car insurance companies in Arizona?

    Auto-Owners, GEICO, and State Farm are among the best car insurance companies in Arizona because they have high IQ Scores, low average rates, strong AM Best ratings, and solid J.D. Power customer satisfaction ratings.

  • Can you get no-deposit car insurance in Arizona?

    Most insurers require at least the first month’s premium up front for your policy to go into effect. But you can look into coverage with Hugo, a pay-as-you-go car insurance company that lets you buy as little as three days of coverage at a time. Keep in mind that Hugo only offers state-minimum liability insurance, so if you need full-coverage car insurance or higher liability limits, Hugo wont be an option for you.

  • Is Arizona a no-fault state?

    No. Arizona is an at-fault state. Drivers at fault for accidents are responsible for paying for damages and injuries they cause to other parties, which the at-fault driver’s liability policy provides.[4]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Arizona Department of Insurance: Consumer Protection Division. "How Insurance Companies Use Credit Information."
  3. Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
  4. NOLO. "Arizona Car Insurance Laws."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Alani has been a contributor at Insurify since January 2023.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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