Best Cheap Car Insurance in Arizona (2023)

Finding a car insurance policy that balances affordability and quality can be daunting. While everyone’s needs differ, key factors to consider when searching for the best auto insurer include quality customer service, a seamless digital experience, and solid financial prospects.

If you live in Arizona, the average cost of car insurance is $273 for a full-coverage policy and $179 for a liability-only, according to Insurify data. Keep in mind, though, that your unique circumstances will influence the cost of your policy.

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.

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Best insurance for a history of DUIs: Auto Owners

Best insurance for teen drivers: Mile Auto

Best for short-term insurance: Hugo

Cheapest liability-only car insurance in Arizona

Liability-only car insurance only pays for the other driver’s expenses related to bodily injury and property damages if you cause an 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: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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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Insurance Company	Average Monthly Quote
Auto-Owners	46
Mile Auto	47
State Farm	56
GEICO	58
Root	61
USAA	63

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 in Arizona

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 disaster.

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 below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	70
Mile Auto	70
State Farm	86
GEICO	89
Root	94
USAA	96
Metromile	115

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. 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.^[2]

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

• 

  Uninsured/underinsured motorist

  “Arizona does have a high rate of uninsured drivers as well as high glass claims related to windshield replacements,” 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.”

• 

  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 for drivers with an incident

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 record.

For example, a DUI conviction can stay on your record for up to seven years in Arizona and result in a nearly 100% increase in car insurance premiums.^[3] On average, Arizona drivers with a DUI pay $412 per month for their car insurance policy.

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Cheapest car insurance for drivers with a speeding ticket

Speeding tickets usually stay on your record for three to five years and may result in an uptick in your insurance premiums. The following insurance companies offer the most affordable rates to drivers who have received speeding tickets.

Cheapest car insurance for drivers with an at-fault accident

Any accident, even if you weren’t at fault, can cause your insurance rates to go up. However, at-fault accidents can certainly increase your insurance rates, depending on the accident’s severity.^[4]

The table below lists auto insurers that offer the lowest rates to drivers with at-fault accidents on their driving record.

Cheapest car insurance for drivers with a DUI

A DUI conviction will almost always result in an insurance rate hike, and you may have to file an SR-22 certificate to drive legally. Insurance companies file SR-22s with the state on your behalf to verify you meet the state’s minimum coverages after certain violations, including DUIs.

Fortunately, the insurance companies below provide affordable coverage if you have a DUI conviction on your record.

Cheapest car insurance for seniors

If you’re a senior, you’ll likely benefit from lower rates than teen drivers. However, insurance premiums may start to rise in your 70s, as age-related conditions may create extra risk on the road.^[5]

Seniors can research these cheap car insurance companies for budget-friendly coverage.

Cheapest car insurance for teens

Teen drivers may see higher rates than older drivers due to their lack of experience on the road, increasing the likelihood of an accident.^[6] The cost of an insurance policy will start to wane once you turn 25. However, young drivers can lower their insurance rates in a few ways.

For instance, they can stay under their parents’ insurance policy, opt for a safe car, or take advantage of their insurer’s available savings, like a good student discount or by completing a defensive driver’s course discount.

The following insurance companies offer competitive rates for teen drivers.

How to get the cheapest car insurance in Arizona

Your age, gender, driving record, claim history, vehicle type, and location can influence your policy costs.^[6] 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 deductible usually means lower monthly premiums. However, 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, and even putting your policy on automatic payments. Stacking discounts can help you significantly reduce your costs.

• Maintain a good credit score. Many states, including Arizona, allow insurance companies to use a policyholder’s credit score to determine their premiums.^[7] Improving or maintaining a high credit score can keep your insurance expenses low.

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Arizona car insurance quotes by credit tier

Arizona allows insurance companies to check your credit score to assess your likelihood of filing a claim in the future and subsequently assess your rates. An excellent or good credit score means cheaper premiums, and a poor credit score could cause an increase in your rates.

Arizona car insurance FAQs

Insurify Insights

How Arizona Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Arizona below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Arizona drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Arizona

#28

State with the Most Speeding Tickets Rank

#27

State with the Moving Violations Rank

#14

State with the Most DUIs Rank

#38

State with the most Suspended Licenses

• Accidents in 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. Arizona is the #25 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #25
  • Percent of drivers in Arizona with an accident: 8.5%
• DUIs in Arizona

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arizona is the #14 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #14
  • Percent of drivers in Arizona with a DUI: 1.8%
• Reckless Driving in 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. Arizona is the #24 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #24
  • Percent of drivers in Arizona with a reckless driving offense: 1.3%
• Rude Driving in Arizona

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Arizona is the #24 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #24
  • Percent of drivers in Arizona with a rude driving violation: 1.5%
• Speeding in Arizona

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Arizona is the #28 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #28
  • Percent of drivers in Arizona with a speeding ticket: 8.3%
• Failure to Yield Rates in Arizona

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arizona is the #35 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #35
  • Percent of drivers in Arizona with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.