Best Cheap Car Insurance in Arizona (2024)

Auto-Owners offers the cheapest car insurance in Arizona, with liability-only rates as low as $46 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 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.

Updated February 14, 2024 at 7:24 AM PST

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Arizona drivers pay, on average, $195 per month for a full-coverage policy and $94 for liability-only coverage, according to Insurify data. By comparison, the national average costs for full coverage and liability are $207 and $103, respectively.

The state's relatively low population density and low rate of traffic fatalities likely contribute to its lower car insurance rates. Arizona drivers may find even cheaper rates from Auto-Owners, Mile Auto, or State Farm, the three 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 state's most-populated city, drivers pay a monthly average of $236 for full coverage, and $119 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 $134 per month for full-coverage car insurance.

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.

Best insurance for a history of DUIs: Auto Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
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++
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.
$46/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.
$73/mo

If you have a DUI on record, you can expect to see your insurance rates skyrocket, as you become more of a liability to insurers. However, Auto-Owners provides competitive liability-only insurance rates to drivers with a DUI violation.

Pros
  • Low National Association of Insurance Commissioners (NAIC) complaint index

  • Variety of insurance product bundles available

Cons
  • Below-average J.D. Power customer satisfaction rating in Southwest region[1]

  • Must contact an independent agent to obtain a quote

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurance for teen drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$49/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.
$75/mo

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


Best for short-term insurance: Hugo

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
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.
$48/mo

Looking to borrow or rent a car for a short period of time? Drivers in Arizona can tap Hugo for its customizable pay-per-mile policy, so you only have to pay for coverage when you need it.

Pros
  • Offers three insurance coverage plans

  • Drivers can stop and start coverage as needed

Cons
  • No mobile app available

  • Limited policy customization options

Can’t get anyone to help me with my issues.

Melissa - October 24, 2023
Verified

Excellent price.

Ingrid - October 11, 2023
Verified

They have been honest.

Jason - September 24, 2023
Verified
Read our Hugo review

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: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners46
Mile Auto49
State Farm57
GEICO59
Root62
USAA64
Safeco71
State Auto74
Metromile76
Clearcover76
Sun Coast77
National General83
Midvale Home & Auto93
Allstate95
Travelers98
Mercury98
Progressive99
Direct Auto104
Hallmark108
Dairyland109
COUNTRY Financial111
American Family112
The Hartford115
Farmers115
GAINSCO116
The General121
Liberty Mutual128
Nationwide129
Infinity141
AssuranceAmerica141
Bristol West147
Commonwealth Casualty165
Foremost208
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 table below illustrated full-coverage rates from top insurers in Arizona.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners73
Mile Auto75
State Farm90
GEICO92
Root97
USAA100
Clearcover103
Metromile119
Safeco131
Midvale Home & Auto143
Travelers143
Allstate149
Mercury154
Sun Coast157
Nationwide171
COUNTRY Financial175
Progressive175
American Family176
The Hartford180
Direct Auto181
Farmers182
National General185
Infinity203
State Auto206
Liberty Mutual210
AssuranceAmerica217
Hallmark234
The General244
GAINSCO251
Dairyland255
Bristol West262
Foremost342
Commonwealth Casualty372
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.

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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]

CoverageMinimum 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.

Learn More: What is Full-Coverage Car Insurance?

Learn More: What is Full-Coverage Car Insurance?

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 indefinitely in Arizona and result in a nearly 100% increase in car insurance premiums.[3] On average, Arizona drivers with a DUI pay $329 per month for a full-coverage car insurance policy.

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Liability policies start at $46/mo. in Arizona

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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. In Arizona, drivers with speeding infractions have average monthly rates of $282 for full coverage and $136 for liability-only coverage.

The following table shows average monthly rates from top insurers for Arizona drivers with speeding tickets on their motor vehicle records.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull CoverageLiability Only
Auto-Owners9761
State Farm11573
Mile Auto11676
GEICO12077
USAA13083
Clearcover140103
Root14392
Metromile173111
Safeco18299
Travelers189129
Allstate193123
Midvale Home & Auto196128
Nationwide224169
Mercury228145
COUNTRY Financial232147
American Family232147
Progressive235133
Farmers237150
National General242108
Direct Auto247142
The Hartford275175
Infinity278193
Liberty Mutual293178
State Auto298107
AssuranceAmerica305198
Hallmark311144
GAINSCO318147
The General326162
Dairyland341146
Bristol West345193
Commonwealth Casualty470209
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 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] If you have a good driving record with no recent at-fault accidents, you may be eligible to buy accident forgiveness. This optional coverage holds your car insurance premium steady following your first at-fault accident.

An at-fault accident pushes the average monthly rate for full coverage in Arizona to $290, while liability climbs to $140 per month. The table below lists auto insurers that offer the lowest monthly rates to Arizona drivers with at-fault accidents on their driving record.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull CoverageLiability Only
Auto-Owners10063
State Farm12177
Mile Auto12381
GEICO12580
USAA13687
Root14996
Clearcover169125
Metromile181115
Safeco195106
Travelers197135
Allstate202129
Midvale Home & Auto210136
Nationwide234177
Mercury238151
American Family240153
COUNTRY Financial247157
Farmers247156
Progressive249141
National General254114
Direct Auto259149
Infinity271188
The Hartford287183
Hallmark306141
Liberty Mutual306187
State Auto312112
AssuranceAmerica313203
GAINSCO336155
The General343170
Dairyland353151
Bristol West354199
Commonwealth Casualty508225
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 car insurance for drivers with a DUI

A DUI conviction will almost always result in an insurance rate hike, and you will 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. Here are their monthly rates for Arizona drivers with DUIs.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull CoverageLiability Only
Auto-Owners11874
Mile Auto12179
State Farm14692
Root14895
GEICO14996
USAA162104
Clearcover167123
Metromile180115
Safeco212115
Midvale Home & Auto231151
Travelers231159
Allstate241154
Mercury253161
Direct Auto265152
Nationwide277209
COUNTRY Financial283180
Progressive283160
The Hartford284181
American Family285181
Farmers295186
National General299134
Infinity329228
State Auto333120
Liberty Mutual340207
AssuranceAmerica351228
Hallmark379175
The General395196
GAINSCO406188
Dairyland413176
Bristol West424238
Commonwealth Casualty542240
Foremost554337
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 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]

On average, Arizona seniors pay $134 per month for full coverage, and $65 for liability only. The following table shows monthly rates for senior drivers from top insurers in Arizona.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull CoverageLiability Only
Auto-Owners5333
Mile Auto5435
State Farm6440
GEICO6743
USAA7347
Root7548
Clearcover8865
Metromile8957
Travelers10371
Safeco10356
Allstate11070
Progressive11665
Mercury11674
The Hartford11774
Nationwide11889
American Family12781
Direct Auto12873
COUNTRY Financial13183
Farmers13183
Infinity14399
National General14364
AssuranceAmerica155101
Liberty Mutual15896
GAINSCO18786
The General18793
Dairyland19081
Bristol West193108
Commonwealth Casualty268119
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 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. And minor teens can't legally buy their own car insurance policy without written consent from a parent or guardian.

Car insurance for teen drivers in Arizona costs a monthly average of $378 for full coverage and $182 for liability-only policies. The following table shows top insurers' rates for Arizona teens.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyFull CoverageLiability Only
Auto-Owners12881
Mile Auto14897
GEICO15297
Root157100
State Farm161102
USAA172110
Clearcover192142
Metromile211135
Safeco245133
COUNTRY Financial262166
Travelers268184
Allstate272173
Midvale Home & Auto282184
Mercury294187
Nationwide304230
American Family313199
Progressive327185
Farmers331209
Direct Auto342196
National General364163
The Hartford365233
Liberty Mutual375229
State Auto385138
Infinity391272
The General408202
AssuranceAmerica424276
Dairyland433185
Bristol West455255
Hallmark466215
GAINSCO473219
Foremost639389
Commonwealth Casualty684304
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.

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.[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 collision and comprehensive 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 such as home and auto, 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 history to generate a credit-based insurance score that helps determine premiums.[7] Improving or maintaining a high credit score can keep your insurance expenses low.

Find Arizona Car Insurance

Unlock discounts and savings when you compare multiple quotes

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Based on 3,806+ reviews
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Arizona car insurance quotes by credit tier

Arizona allows insurance companies to check your credit history 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.

Quotes by Credit Tier

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.

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 $94 for liability-only coverage and $195 for full-coverage insurance per month, according to Insurify data

  • Who has the cheapest car insurance in Arizona?

    Auto-Owners offers the lowest car insurance rates in Arizona, with liability-only policies that start at $46 per month. Arizona drivers can also find cheap car insurance with the state's second- and third-cheapest insurers, Mile Auto and State Farm. Their monthly liability rates average $49 and $57, 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. However, you can look into coverage with Hugo, a pay-as-you-go car insurance company that lets you turn auto coverage on and off as you need it. Keep in mind, though, if you finance or lease your vehicle, the lender or leasing company will require you to carry full-coverage car insurance at all times, so pay-as-you-go won't 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.[8]

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

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. J.D. Power. "2023 U.S. Auto Insurance Study." Accessed June 14, 2023
  2. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers." Accessed June 14, 2023
  3. Arizona Department of Transportation. "Driving Under the Influence (DUI)." Accessed June 14, 2023
  4. III. "Do auto insurance premiums go up after a claim?." Accessed June 14, 2023
  5. III. "Senior driving safety and insurance tips." Accessed June 14, 2023
  6. III. "What determines the price of an auto insurance policy?." Accessed June 14, 2023
  7. Arizona Department of Insurance: Consumer Protection Division. "How Insurance Companies Use Credit Information." Accessed June 14, 2023
  8. Nolo. "Arizona Car Insurance Requirements and Laws." Accessed June 14, 2023
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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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