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Cheap Car Insurance in Arizona 2022

Car insurance rates for drivers in Arizona start as low as $144/mo. for full-coverage with Travelers.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Katie Powers
Written by
Katie Powers
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Written by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Headshot of Evelyn Pimplaskar, Director of Content at Insurify
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.

Updated November 30, 2022

Drivers in Arizona live in the 18th most expensive state for car insurance and pay an average of $239 per month. If you’re in the market for car insurance, shopping around for quotes from multiple providers ensures you’ll find cheap auto insurance

It’s easy to compare quotes online with a comparison tool. You’ll likely need to enter your ZIP code and other driving profile information to compare quotes.

Quick Facts

  • The average cost of car insurance in Arizona is $239/mo.

  • Travelers is the cheapest top provider in Arizona with average rates of $144/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Arizona: Travelers

1
Travelers logo

Travelers

Best Cheap Car Insurance in Arizona
Average Monthly Cost:
$144
Insurify Composite Score:
80

Travelers offers some of the cheapest car insurance premiums for Arizona drivers, with average rates of $144 per month. The average monthly car insurance rate in Arizona is much higher, at $239 per month, so Travelers is an affordable option. Other top providers with the cheapest rates include Nationwide, State Farm, and GEICO.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
Travelers80$144
State Farm88$162
Nationwide89$175
GEICO88$182
USAA96$197
Mile AutoN/A$111
Erie85$134
Clearcover97$161
Kemper PreferredN/A$162
NovoN/A$164
Sun CoastN/A$171
Stillwater77$182
Safeco86$190
Midvale Home & AutoN/A$199
ProgressiveN/A$202
Freedom NationalN/A$205
Foremost SignatureN/A$207
MercuryN/A$213
Direct AutoN/A$223
Liberty Mutual82$243
Bristol WestN/A$251
AssuranceAmericaN/A$255
Kemper SpecialtyN/A$264
State Auto76$267
The GeneralN/A$283
Allstate85$300
InfinityN/A$309
KemperN/A$331
HallmarkN/A$336
American Family89$341
DairylandN/A$355
Farmers85$357
Commonwealth CasualtyN/A$383
AmicaN/A$556
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect 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 and customer complaints, mobile app reviews, and user-generated company reviews.

What to know about minimum car insurance requirements in Arizona

Arizona requires insurance for all motor vehicles operated or parked on state roadways. You’ll need to carry proof of insurance in your car at all times and have it be available when:

  • Law enforcement requests it 

  • You renew your vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Arizona[1] are:

  • $25,000 per person/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Arizona DMV information

Every driver in Arizona will likely need to visit the DMV at some point, and DMVs can be found in most major cities around Arizona. The Arizona DMV gives you quick access to online services[2], vehicle title and registration assistance, vehicle registration renewal, driver services, driver’s license renewal, and other vehicle services.

Public transportation in Arizona

For Arizona residents who don’t want to or can’t drive, there are plenty of public transportation options available around the state, including a local, express, and rapid commuter bus service; light-rail; streetcar; neighborhood circulators; rural route; paratransit service; vanpool service; and commuter programs. The Valley Metro public transportation agency covers 513 square miles.

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Tips for getting cheap car insurance in Arizona

If you’re in the market for a new auto insurance policy, comparing quotes from several insurance providers is a reliable way to discover the best rates and quality coverage. The online comparison tool from Insurify will pull together the best auto insurance rates from top insurers in Arizona that match your driver profile, potential insurance discounts, and coverage needs.

You can also take other steps to reduce car insurance costs, including:

  • Seek discounts, such as good driver or good student discounts.

  • Bundle your homeowners or renters insurance with your car insurance.

  • Maintain a good credit score.

Liability vs. full-coverage insurance in Arizona

If you live in Arizona, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed. 

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Arizona by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
Travelers$106$144
Nationwide$160$175
State Farm$131$182
GEICO$148$182
USAA$160$197
Mile Auto$96$111
Erie$109$134
Clearcover$128$161
Kemper Preferred$101$162
Novo$130$164
Sun Coast$102$171
Stillwater$180$182
Safeco$121$190
Midvale Home & Auto$199$199
Progressive$164$202
Freedom National$121$205
Foremost Signature$92$207
Mercury$156$213
Direct Auto$200$223
Liberty Mutual$167$243
Bristol West$186$251
AssuranceAmerica$199$255
Kemper Specialty$167$264
State Auto$120$267
The General$190$283
Allstate$243$300
Infinity$248$309
Kemper$177$331
Hallmark$212$336
American Family$277$341
Dairyland$196$355
Farmers$290$357
Commonwealth Casualty$208$383
Amica$452$556
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Arizona car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in STATE. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

See More: High-Risk Car Insurance Arizona

Here’s a look at average monthly quotes for the cheapest car insurance in Arizona based on driving and accident history.

Car Insurance Company
 
Clean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Farmers$132$134$108$153
Travelers$140$143$162$179
USAA$159$161$130$184
Nationwide$171$181$209$209
State Farm$179$182$147$207
Mile Auto$104$174$144$135
Clearcover$150$218N/A$191
Kemper Preferred$153$182N/A$225
Sun Coast$157$217$230$209
Novo$161$167$154$178
Midvale Home & Auto$177$269$350$297
Safeco$182$228$222$229
Foremost Signature$187$213$316$392
Mercury$188$287$258$295
Stillwater$190$139N/AN/A
Freedom National$194$258$194$238
Progressive$199$202$163$230
Direct Auto$204$317$283$326
Kemper Specialty$212$414$366$493
State Auto$224$402N/A 
Bristol West$232$311$277$407
Liberty Mutual$233$270$246$295
AssuranceAmerica$238$311$294$304
The General$261$392$410$385
Infinity$278$398$351$419
Allstate$295$300$242$341
Kemper$305$482$383$265
Hallmark$318$404$410$398
Dairyland$332$445$414$441
American Family$336$341$275$388
GEICO$352$357$288$407
Commonwealth Casualty$354$483$504$479
Erie$437$444$358$505
Amica$548$556$449$634
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: DUI Car Insurance Arizona

SR-22 insurance in Arizona

An SR-22, or a certificate of financial responsibility, may be ordered by the court if you have a major traffic violation like a DUI. The form is filed by your insurance provider and certifies that you have the state’s minimum liability insurance. These companies can help you get SR-22 insurance in Arizona.

How credit scores affect Arizona car insurance quotes

Arizona allows insurance companies to consider your credit history to estimate your risk for car insurance claims. Generally, drivers with excellent and good credit will see the lowest monthly premiums, while drivers with poor credit will pay more. Find rates for Arizona drivers based on the credit score tier below.

Credit TierAverage Monthly Quote
Excellent$207
Good$245
Average$269
Poor$417
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Arizona

How your hometown affects Arizona insurance quotes

The cost of car insurance in Arizona varies by city, and sometimes even from neighborhood to neighborhood. That’s because population, weather, crime rates, and road conditions all affect how risky your car is to insure. Average rates for car insurance in major Arizona cities are shown in the table below.

Car Insurance CompanyAverage Monthly Quote
Apache Junction$166
Avondale$261
Buckeye$295
Casa Grande$181
Chandler$219
Flagstaff$204
Gilbert$230
Glendale$318
Goodyear$189
Kingman$110
Maricopa$212
Mesa$225
Peoria$241
Phoenix$255
San Tan Valley$256
Scottsdale$218
Surprise$224
Tempe$241
Tucson$212
Yuma$156
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Arizona car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. 
The following table gives a high-level view of how age can affect insurance rates in Arizona.

Age GroupAverage Monthly Rate
Teenagers$530
Under 25$322
20s$210
30s$218
40s$194
50s$186
60s$163
70s$177
80+$201
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older. 

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30.

Car Insurance CompanyLiability OnlyFull CoverageWith  AccidentWith DUI
Travelers$139$177$176$176
Progressive$230$273$220 
Bristol West$279$340$370$326
Dairyland$264$438$477$422
Mile Auto$149$170$202$166
AssuranceAmerica$296$369$390$365
Clearcover$158$199$212$193
Commonwealth Casualty$303$514$624$482
Direct Auto$280$334$363$316
Foremost Signature $312  
Freedom National$149$242$268$230
Hallmark$302$455$485$440
Infinity$354$414$489$382
Kemper$240$424$517$395
Kemper Preferred$126$208$187$208
Kemper Specialty$243$374$548$290
Liberty Mutual$230$314$325$310
Mercury$225$287$341$270
Midvale Home & Auto$211$281$303$263
Nationwide$274$241$219$240
Novo$165$195$194$195
State Auto$188$348$511$283
Stillwater $169  
Sun Coast$116$213$232$200
The General$264$395$486$368
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

Middle-aged drivers generally pay lower insurance rates than younger or less-experienced drivers. However, incidents like DUIs or at-fault accidents can increase their rates significantly. Here’s a look at monthly average Arizona car insurance rates for middle-aged drivers.

Car InsuranceLiability OnlyFull CoverageWith AccidentWith a DUI
Dairyland$159$322$391$301
Bristol West$137$207$260$192
Progressive$123$171N/A$158
Travelers$104$140$137$140
Mile Auto$68$88$134$83
AssuranceAmerica$133$194$249$178
Clearcover$118$142$176$130
Commonwealth Casualty$147$301$367$284
Direct Auto$151$189$253$173
Foremost Signature$77$203 $193
Freedom National$104$177$199$169
Hallmark$156$275$307$263
Infinity$175$245$333$219
Kemper$121$232 $198
Kemper Preferred$91$150$171$142
Kemper Specialty$116$191$261$168
Liberty Mutual$149$218$225$213
Mercury$117$178$258$153
Midvale Home & Auto$115$165$211$147
Nationwide$146$171$173$169
Novo$111$141$147$140
Safeco$107$172$183$167
State Auto$97$237$342$205
Stillwater$138$187N/A$200
Sun Coast$95$156$178$144
The General$146$246$297$229
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

Generally, car insurance rates decline as you grow older and gain driving experience. But drivers in their 70s often see their premiums begin to increase. This is because insurers view the slowing reflexes and declining eyesight associated with growing older as factors that increase your risk of filing an insurance claim.

Here are average monthly rates for senior drivers in Arizona.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
CompanyLiabilityFullAccidentDUI
Travelers$98$115$115$108
Progressive$86$133N/A$115
Bristol West$110$168$218$155
Dairyland$140$248$311$230
Mile Auto$64$74N/A$71
AssuranceAmerica$143$172$242$160
Clearcover$106$118$154$108
Commonwealth Casualty$147$295$385$276
Direct Auto$132$142$181$129
Foremost Signature$96$142N/A$138
Freedom National$97$164N/A$154
Hallmark$157$239$283$228
Infinity$192$239$284$230
Kemper$149$219N/AN/A
Kemper Preferred$97$143$169$169
Kemper Specialty$134$192$286$172
Liberty Mutual$119$163$202$150
Mercury$101$138$232$115
Midvale Home & Auto$103$131$177$117
Nationwide$134$127$149$122
Novo$114$145$159$140
Safeco$108$134$169$125
State Auto$96$187$265$168
Stillwater$276$178 $183
Sun Coast$102$149$178$142
The General$150$200$236$190
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Arizona car insurance FAQs

Here are some answers to commonly asked questions about Arizona car insurance.

FAQ

  • The top auto insurance providers with the lowest monthly rates for full-coverage car insurance include Travelers, Nationwide, and Progressive, ranging from $144 to $202 and falling below the national average. A number of smaller and more regional insurers offer even lower monthly average rates depending on driver specifics, including Mile Auto at $111 per month.

    Notably, Travelers ranks as the cheapest top provider in most of the driver categories listed, including the cheapest overall for minimum and full-coverage insurance. Young drivers in Arizona find the cheapest rates by driver category and coverage level with Travelers. By driver history without age specifically factored in, Farmers offers the lowest rates.

  • Drivers in Arizona live in the 20th-safest state for driving in the country, which means driving incidents and accidents are not the only factors responsible for the state average being slightly higher than the national average. Arizona’s hot climate likely increases the likelihood of reported claims for flat tires as a result of hot pavement, dead car batteries[3] and more.
    Drivers in Arizona also pay more for full-coverage insurance than they do for minimum coverage. Those who choose Travelers, for example, pay $106 per month for minimum coverage and $144 per month for full-coverage insurance. Another significant factor in Arizona car insurance rates is age; teenagers and people in their 20s pay the highest rates[4].

  • The average car insurance rate in Arizona is $239 per month, which only slightly exceeds the national average of $233 per month. This makes it the 18th most expensive state for car insurance. But we found average rates as low as $144 per month from the cheapest top provider in the state, Travelers. Individual rates vary by coverage level, driver history, age, location, and more.

    Average car insurance rates remained relatively stable in Arizona between 2019 and 2022, but there was a slight increase between 2021 and 2022. Arizona drivers paid a monthly average of $237 in 2021, while the monthly average in 2022 is $252.

  • Based on Insurify Composite Scores, average rates, financial strength and industry ratings, and customer and claims satisfaction, Arizona’s best car insurance companies include Travelers, State Farm, and Nationwide. Smaller insurers like Clearcover and Safeco also present Arizonans with quality coverage options at cheap monthly rates of $161 and $190, respectively. 

    Travelers policyholders benefit from a rate of $144 per month and solid financial stability, with an A++ rating from A.M. Best. State Farm customers pay $162 per month on average, and the company earned an A++ rating from A.M. Best. At $175 per month, Nationwide car insurance costs more by comparison, and the company earned a lower A+ rating from A.M. Best.  

  • No, you do not need personal injury protection (PIP) coverage in Arizona. PIP coverage is not required because Arizona is an at-fault state that assigns financial responsibility to the driver who caused the collision. Medical payments insurance, often referred to as MedPay, is also not required in the state for similar reasons.

    You do, however, need to have the minimum state car insurance requirements for bodily injury and property damage liability in order to comply with Arizona state law.

  • Yes, car insurance is mandatory[5] in Arizona. Drivers must adhere to the state requirements to legally operate their vehicles. The minimum insurance requirements are $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability. 

    Bodily injury and property damage liability coverage help policyholders cover costs for damages and injuries to other people in a car accident caused by the policyholder. Drivers, of course, can purchase additional insurance for more robust coverage.

  • In Arizona, and in most other states, car insurance follows the car rather than the driver. This applies to many insurance types, including bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and full coverage. 

    If a friend with a valid driver’s license borrows your insured vehicle and crashes it, your applicable auto insurance coverage will go into effect. Furthermore, if your friend is insured on their own policy, applicable coverage could also go toward costs if your coverage runs out. Check with your auto insurance provider, as some exceptions may exist. 

  • Full-coverage car insurance provides much more insurance coverage than the simple liability-only policy required by Arizona state law. A typical full-coverage policy includes liability insurance, collision coverage, and comprehensive coverage. Full-coverage insurance makes the most sense for people living in population-dense areas and those with expensive vehicles.

    Liability insurance under this policy includes bodily injury and property damage coverage that covers costs for people affected by an accident you caused. Collision coverage deals specifically with costs associated with a car accident, while comprehensive coverage provides protection for costs associated with things like vandalism and natural disasters.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Arizona Department of Transportation. "Vehicle Insurance Information." Accessed August 3, 2022
  2. Arizona Department of Transportation. "Motor Vehicle Services." Accessed July 30, 2022
  3. Arizona Department of Transportation. "Prepare yourself and your vehicle before driving in extreme heat." Accessed August 23, 2022
  4. Insurance Information Institute. "Why did my auto insurance costs go up even when I didn’t file a claim?." Accessed November 2, 2022
  5. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers." Accessed July 30, 2022
Katie Powers
Written by
Katie Powers
Linkedin

Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Learn More
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Linkedin

Editor-in-Chief, Director of Content

Headshot of Evelyn Pimplaskar, Director of Content at Insurify
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.