Cheap Car Insurance in Arizona (2024)

Auto-Owners offers the cheapest car insurance in Arizona, with liability-only rates as low as $48 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 May 27, 2024

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Cheapest recent rates in Arizona

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $53/mo for full coverage in Arizona.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 27, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on May 27, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 27, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Arizona drivers pay, on average, $194 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 $215 and $104, 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 lower 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 $230 for full coverage, and $117 for liability-only coverage, Insurify data shows.

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

  • Senior drivers in Arizona pay an average of $137 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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$78$48Drivers with DUIs
Mile Auto3.7$83$52Teen drivers
Hugo3.5N/AN/AShort-term insurance
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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.3
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.
$48/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.
$78/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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

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.
3.7
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.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$83/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.
3.5
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.
$50/mo

Looking to borrow or rent a car for a short period of time? Drivers in Arizona can tap Hugo for its pay-as-you go coverage, so you only have to pay for insurance 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

Read our Hugo review
David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Marlee - May 11, 2024
Verified

Great

I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.

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.[2] 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.[3] Improving or maintaining a high credit score can keep your insurance expenses low.

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

Liability-only car insurance only pays for the other driver’s expenses related to bodily injury and property damages if you cause 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, May 16 at 12:00 PM PDT
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-Owners48
Mile Auto52
State Farm59
GEICO61
Root64
USAA66
Sun Coast77
Safeco77
Metromile78
National General81
Midvale Home & Auto89
Allstate98
Mercury100
Progressive100
Direct Auto102
Travelers102
Hallmark108
Dairyland111
COUNTRY Financial115
American Family116
The Hartford119
Farmers119
GAINSCO120
The General122
Nationwide133
Infinity135
Liberty Mutual135
Bristol West145
AssuranceAmerica149
Commonwealth Casualty170
Foremost213
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: Auto-Owners

While liability-only insurance covers damages to other people and their property if you’re at fault in an accident, with a full-coverage policy, you get liability, collision, and comprehensive coverage. Collision coverage pays for your car repairs during an accident regardless of who’s at fault, while comprehensive coverage protects against non-collision events like theft and natural 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, May 16 at 12:00 PM PDT
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-Owners78
Mile Auto83
State Farm96
GEICO98
Root104
USAA107
Metromile127
Safeco127
Midvale Home & Auto141
Allstate159
Sun Coast161
Mercury164
Travelers165
Progressive176
National General186
COUNTRY Financial186
Infinity187
American Family188
Nationwide193
The Hartford193
Farmers194
State Auto210
Direct Auto217
Liberty Mutual231
AssuranceAmerica237
Hallmark251
Dairyland261
The General265
GAINSCO269
Bristol West273
Foremost392
Commonwealth Casualty396
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.[4]

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.[5] On average, Arizona drivers with a DUI pay $322 per month for a full-coverage car insurance policy.

Find Arizona Car Insurance

Liability policies start at $48/mo. in Arizona

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $280 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, May 16 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Auto-Owners63102
Mile Auto73116
State Farm76124
GEICO80128
USAA86139
Root88144
Safeco102168
Metromile106173
Sun Coast111232
National General116267
Midvale Home & Auto120190
Allstate127207
Progressive131230
Direct Auto134286
Travelers134217
Mercury139229
Hallmark141328
Dairyland145342
American Family151244
COUNTRY Financial153247
Farmers154251
The General161349
The Hartford170275
GAINSCO172386
Nationwide175254
Infinity183253
Bristol West187353
Liberty Mutual194332
AssuranceAmerica198316
Commonwealth Casualty244569
Foremost306563
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: Auto-Owners

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.[6] 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 $283, while liability climbs to $137 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, May 16 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Auto-Owners64105
Mile Auto77122
State Farm79129
GEICO82132
USAA89144
Root91148
Safeco100166
National General108249
Metromile110179
Sun Coast112235
Midvale Home & Auto126200
Allstate132214
Progressive137241
Travelers138223
Direct Auto140299
Hallmark141327
Mercury143235
Dairyland149351
GAINSCO156351
American Family156252
Farmers159260
COUNTRY Financial160259
The General167364
The Hartford175285
Infinity179248
Nationwide181262
Bristol West192362
Liberty Mutual198339
AssuranceAmerica201320
Commonwealth Casualty226526
Foremost313576
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: Mile Auto

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, May 16 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Mile Auto79126
Auto-Owners80130
State Farm98160
GEICO102164
Root107174
USAA110179
Sun Coast128267
Safeco128212
Metromile130212
National General135310
Midvale Home & Auto148235
Mercury151247
Allstate164265
Progressive167294
Direct Auto170362
Travelers170275
The Hartford178289
Hallmark180419
Dairyland185435
COUNTRY Financial192310
American Family194314
Farmers199324
GAINSCO200449
The General204442
Nationwide222322
Infinity225312
Liberty Mutual225385
Bristol West242455
AssuranceAmerica249395
Commonwealth Casualty284661
Foremost355654
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: Auto-Owners

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.[7]

On average, Arizona seniors pay $137 per month for full coverage, and $66 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, May 16 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Auto-Owners3556
Mile Auto3658
State Farm4268
GEICO4572
USAA4879
Root4979
Sun Coast54114
Metromile5793
Safeco5794
National General60138
Midvale Home & Auto6299
Progressive66116
Mercury69114
Direct Auto72154
Allstate73118
Travelers74119
The Hartford76124
Hallmark76176
Dairyland82193
American Family83135
COUNTRY Financial84136
Farmers85139
Nationwide91133
GAINSCO91203
The General93201
Infinity94130
Liberty Mutual98168
AssuranceAmerica104166
Bristol West107202
Commonwealth Casualty124290
Foremost153282
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: Auto-Owners

Teen drivers may see higher rates than older drivers due to their lack of experience on the road, increasing the likelihood of an accident.[2] 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 $376 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, May 16 at 12:00 PM PDT
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 CompanyLiability OnlyFull Coverage
Auto-Owners86140
GEICO100161
Root102166
Mile Auto104166
State Farm104169
USAA114185
Metromile136222
Sun Coast149312
National General157360
Midvale Home & Auto161255
Safeco166274
COUNTRY Financial177287
Allstate178289
Progressive188331
Mercury189310
Travelers191308
Direct Auto193411
Dairyland194456
Hallmark199463
The General206448
American Family211342
Farmers218355
GAINSCO223500
Nationwide236343
The Hartford237385
Infinity256355
Bristol West257484
Liberty Mutual261446
AssuranceAmerica287456
Commonwealth Casualty313730
Foremost392721
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.

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 $194 for full-coverage insurance per month, according to Insurify data. By comparison, the national averages are $104 and $215, respectively.

  • 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 $48 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 $52 and $59, 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."
  2. III. "What determines the price of an auto insurance policy?."
  3. Arizona Department of Insurance: Consumer Protection Division. "How Insurance Companies Use Credit Information."
  4. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
  5. Arizona Department of Transportation. "Driving Under the Influence (DUI)."
  6. III. "Do auto insurance premiums go up after a claim?."
  7. III. "Senior driving safety and insurance tips."
  8. Nolo. "Arizona Car Insurance Requirements and Laws."
Alani Asis
Alani Asis

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

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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