Cheap Auto Insurance Quotes in Arizona (2021)

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Save More on Arizona Car Insuarnce

From Phoenix to Flagstaff, the long roadways of Arizona have over two million registered vehicles.

With all those cars on the road, it’s essential to have an auto insurance policy that best fits you and your ifestyle. Compare the cheapest and best quotes in Arizona here.

Cheapest Car Insurance in Arizona

Here are the cheapest carriers in Arizona for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Arizona.

Best Car Insurance in Arizona

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Arizona. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Arizona

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Arizona to find you the cheapest quotes in each of these metropolitan areas.

The sixth most populous city in the United States, Phoenix, takes the mantle as Arizona's most populous. Phoenix is regarded for its thousands of miles of freeway - no public transportation existed in this metropolitan area until 2008.

Quotes by Top Carriers
Quotes ($/mo)
$149
$151
$218
$229
$233
AllstateTravelersLiberty MutualAmerican FamilyThe General
Monthly $
CityCheapest Carrier
AllstateAllstate
$149/mo
State FarmState Farm
$70/mo
AllstateAllstate
$122/mo
State FarmState Farm
$73/mo
State FarmState Farm
$72/mo
State FarmState Farm
$96/mo
State FarmState Farm
$53/mo
State FarmState Farm
$69/mo
State FarmState Farm
$77/mo
State FarmState Farm
$53/mo
State FarmState Farm
$62/mo
State FarmState Farm
$71/mo
State FarmState Farm
$76/mo
State FarmState Farm
$72/mo
State FarmState Farm
$43/mo
State FarmState Farm
$60/mo
State FarmState Farm
$42/mo
State FarmState Farm
$58/mo
ClearcoverClearcover
$74/mo
Mile AutoMile Auto
$93/mo
Mile AutoMile Auto
$106/mo
ClearcoverClearcover
$111/mo

Cheapest Liability Auto Insurance in Arizona

For drivers in Arizona, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Arizona. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Arizona.

Cheapest Full Coverage Auto Insurance in Arizona

For drivers in Arizona, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arizona. The following are the best insurance rates from carriers that offer full coverage auto insurance in Arizona.

Arizona Driving Facts

arizona

Minimum Car Insurance Requirements in AZ

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Cheapest Car Insurance Quotes in Arizona by Profile

Here are the cheapest insurance companies in Arizona based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Arizona drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Arizona, at $42 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
State Farm
$42/mo
Allstate
$63/mo
Travelers
$85/mo
GEICO
$90/mo
The General
$134/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
CSAA
$53/mo
GEICO
$59/mo
Auto Owners
$61/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Auto Owners
$29/mo
CSAA
$56/mo
COUNTRY Financial
$58/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Auto Owners
$29/mo
CSAA
$56/mo
COUNTRY Financial
$58/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Arizona, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO offers the cheapest car insurance rates for young drivers, averaging $28 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Arizona 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Arizonans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
GEICO
$28/mo
Auto Owners
$30/mo
USAA
$33/mo
COUNTRY Financial
$37/mo
CSAA
$37/mo

SR‌-22 Insurance in Arizona

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Arizona on your behalf.

AZ MVD Information

The Arizona State Department of Transportation Motor Vehicle Division has outposts all around the state. 

At the MVD, Arizona residents can access services like driver's license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. To save time, the MVD allows individuals to make appointments ahead of their visit. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Copper State, a DOL shouldn’t be too far. Arizona residents may be able to skip their visit to the DOL altogether and get what they need through their online portal.

Insurify Insights: How Arizona Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Arizona drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Arizona

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Arizona drivers rank 34 in the number of car accidents per driver.

  • Rank of States: #34
  • Percent of drivers in Arizona with an accident: 9.58%
  • Drivers in AZ with an accident in their driving history paid on average 44.63% more than drivers with a clean record

Speeding Arizona

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Arizona drivers rank 37 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #37
  • Percent of drivers in Arizona with a speeding ticket: 8.86%
  • Drivers in AZ with a speeding ticket in their driving history paid on average 33.33% more than drivers with a clean record

DUI/DWIs Arizona

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arizona drivers rank 22 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #22
  • Percent of drivers in Arizona with a DUI: 2.16%
  • Drivers in AZ with a DUI in their driving history paid on average 22.03% more than drivers with a clean record

Most Popular Vehicle Arizona

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Arizona is the Ford F-Series Pickup.

Rude Arizona

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Arizona drivers rank 23 in rude driving infractions.

  • Rank of States: #23
  • Percent of drivers in Arizona with a reckless driving violation: 2.06%
  • Drivers in AZ with a reckless driving violation in their driving history paid on average 38.42% more than drivers with a clean record.

Safest Drivers Arizona

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Arizona drivers rank 18 in clean driving records across all fifty states.

  • Rank of States: #18
  • Percent of drivers in Arizona with clean record: 81.93%

Street Racing Arizona

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Arizona drivers rank 24 in street racing violations per driver.

  • Rank of States: #24
  • Percent of drivers in Arizona with a street racing violation: --%

Failure to Yield the Right of Way Arizona

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arizona drivers rank 16 in failure to yield violations per driver across all fifty states.

  • Rank of States: #16
  • Percent of drivers in Arizona with a failure to yield violation: 0.46%
  • Drivers in AZ with a failure to yield violation in their driving history paid on average 48.59% more than drivers with a clean record

Reckless Drivers Arizona

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Arizona drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank of States: #33
  • Percent of drivers in Arizona with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership Arizona

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Arizona drivers rank 9 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #9
  • Percent of drivers in Arizona with a hybrid/electric vehicle: 1.35%

Greenest Cities in Arizona

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

Among the many bodies in the state of Arizona that champion green initiatives is Arizona's Green Chamber, which advocates for sustainable businesses and advocates on their behalf to impact public policy. Arizona is home to an impressive 23 national park sites, which generate hundreds of millions of dollars in tourism revenue every year. Maintenance of the beautiful and iconic Grand Canyon National Park is in and of itself a multimillion-dollar undertaking - and produces thousands of jobs. The state mandates a complex registration and emissions testing process for alternative fuel vehicles.

Greenes Cities

Scottsdale

Greenes Cities
% of Hybrids / Electrics
4%
Most Patriotic City

Most Patriotic City

Yuma

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Prescott won Insurify's Most Patriotic Cities Award for the state of Arizona. The Prescott mayor's office recently instituted a Veterans Affairs Committee to serve the community's high military population.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Arizona is vital for all car insurance shoppers hitting the road in The Grand Canyon State.

road with cars illustration

Road Rankings

8%Rural Roads in
Poor Condition

#20
Ranked

3%Structurally Deficient
Rural Bridges

#16
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#9
Ranked


FAQs - Arizona Car Insurance

How can I insure my classic car in Arizona?

Classic cars can be insured through special agencies that specialize in antique or rare vehicles. That 1969 Camaro deserves an extra special auto insurance policy. Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. Auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.

What happens if I get caught driving uninsured in Arizona?

You should never drive a vehicle if uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability insurance in Arizona may result in a $4,500 fine, and/or a misdemeanor charge. Plus, you’re driver's license or driving privileges may be suspended if you do not meet the minimum requirements mandated by state law and will be required to apply for SR-22 insurance.

Who has the cheapest car insurance in Arizona?

The best way to get the cheapest car insurance in Arizona and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.