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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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Updated
Discount Type | Maximum Advertised Savings |
|---|---|
| Driver monitoring programs (telematics) | Up to 30% |
| Good driving record (safe driver) | Up to 33% |
| Defensive driving course (55+) | Up to 10% |
| Multi-policy (bundling discount) | Up to 30% |
| Multi-vehicle | Up to 25% |
| Safety features and anti-theft devices | Up to 40% on eligible coverages |
| Good student | Up to 25% |
| Paperless | Varies |
| Payment in full | Varies |
| Membership (military, employee, credit union, etc.) | Up to 15% |
The best car insurance companies for discounts in Arizona are State Farm, Amica, and Progressive.
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $60/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. | $104/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has one of the best and most comprehensive lists of car insurance discounts in Arizona, especially for good drivers who opt into the Drive Safe & Save program. State Farm offers some of the lowest average car insurance rates in Arizona, according to Insurify data.
Discount of up to 30% for safe driving and driver monitoring
Cheap liability-only and full-coverage auto insurance in Arizona
Second-highest J.D. Power customer satisfaction rating in Southwest region
No accident forgiveness
Gap insurance not available
Higher rates for drivers with poor credit, according to Insurify data
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| 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. | $230/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. | $403/mo |
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Amica offers some of the highest discounts for bundling auto coverage with your home, renters, or condo insurance. Amica also offers a nice discount for multi-car policies.
30% discount for bundling with homeowners insurance
25% discount for multi-vehicle policies
Wide range of other discounts in Arizona
Above-average number of customer complaints according to the National Association of Insurance Commissioners (NAIC)
Among the most expensive car insurance companies for liability and full coverage
Rideshare insurance not available
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $63/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. | $106/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is one of the cheapest car insurance companies in Arizona, according to Insurify data. It offers competitive discounts for safe drivers and drivers who bundle.
Average discount of 33% for safe driving
Discount of more than 25% for bundling home and auto
Cheap liability-only and full-coverage auto insurance in Arizona
Poor J.D. Power customer satisfaction rating in Southwest region
Low Trustpilot rating
Good student discount starts at only 5%
Car insurance discounts in Arizona vary by insurer. Some insurers offer discounts that others don’t, some have stricter eligibility criteria, and some offer larger discounts than others.
The table below shows which insurers offer the largest car insurance discounts in Arizona for various discount types.
Discount Type | Potential Savings | Eligibility Criteria | Arizona Insurer With Largest Discount |
|---|---|---|---|
| Driver monitoring programs (telematics) | 30% | Enroll in insurer’s telematics program | State Farm, Liberty Mutual |
| Good driving record (safe driver) | 33% | Varies by insurer, but must generally go multiple years without tickets, accidents, or claims | Progressive |
| Defensive driving course (55+) | 10% | Complete a qualifying defensive driving course (Arizona law allows for discounts for drivers age 55+) | GEICO |
| Multi-policy (bundling discount) | 30% | Get your car insurance from the same company you use for homeowners, renters, condo, or life insurance | Progressive, Amica |
| Multi-vehicle | 25% | Insure more than one vehicle on the same policy | Amica |
| Safety features and anti-theft devices | 40% on eligible coverages | Drive a vehicle with specific driver-assist safety features, anti-theft devices, airbags, anti-lock brakes, passenger restraints (seat belts), etc. | State Farm |
| Good student | 25% | Varies by insurer, but often requires certain GPA or letter grades | State Farm |
Participating in a telematics program gets you one of the largest car insurance discounts in Arizona. State Farm’s Drive Safe & Save and Liberty Mutual’s RightTrack can get you 30% off if you’re a safe driver.
Progressive also rewards safe driving in Arizona. Good drivers save 33%, on average, after three years of safe driving.
Liability policies average $91/mo.
Some car insurance discounts are easier to qualify for than others. Arizona has a lower-than-average rate of drivers with tickets and accidents, according to Insurify data. That means you and other Arizona drivers are more likely to qualify for a good driver discount. You could also receive a discount if you enroll in a telematics program and demonstrate safe driving.
Bundling your car insurance with another policy is also easy, regardless of whether you own or rent your home. More than 1 in 10 Arizona drivers own multiple vehicles and could easily qualify for a multi-vehicle policy discount, too.
Senior drivers can qualify for a discount on a driver improvement course. Arizona state law allows insurers to discount rates for drivers 55 and older who complete a qualifying course.[1]
Many Arizona employers (including Banner Health) and credit unions (including Arizona Central Credit Union and OneAZ Credit Union) offer discounted car insurance options. You may also qualify for a military discount if you work at one of Arizona’s many military bases and installations.
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Good driving record (safe driver) | 33% | Maintain a clean driving history for several years |
| Driver monitoring program (telematics) | 30% | Enroll in an insurer’s program and drive safely |
| Multi-policy | 30% | Bundle your auto insurance with homeowners insurance or renters insurance |
| Multi-vehicle | 25% | Own, finance, or lease multiple vehicles and insure them on the same policy |
| Membership | Varies by organization | Take advantage of special insurance discounts offered by your employer, credit union, or other membership group |
Arizona state law allows car insurance companies to reduce premiums for drivers 55 and older who successfully complete a driver improvement course. The Department of Transportation must have approved the course, and you must have completed the course within the last three years to be eligible.
Note that the course is different from the state’s court-administered Defensive Driving Program, which lets drivers avoid points on their license.[2]
Taking advantage of Arizona car insurance discounts is one of the easiest ways to get cheap car insurance in Arizona. The following can help you maximize your discounts and save money on car insurance:
Research carefully. Not every car insurance company offers the same discounts. Figure out which discount types you’re most likely to qualify for, and see which insurers offer big discounts for those types.
Check with your organizations. If you’re an active-duty service member, you can get a military discount with many insurers. For example, USAA has exclusive discounts for military members, veterans, and their families. You can also earn discounts if you’re a teacher or first responder. Some Arizona employers, including Banner Health, and credit unions, including OneAZ, also offer car insurance discounts.
Take a driver improvement course. If you’re 55 or older, you can add to your discounts by completing an eligible driver improvement course in Arizona.
Always ask for a full list of discounts. Insurers may not advertise every discount they offer. Speak with your insurance agent or a customer service representative to understand all the discounts you qualify for.
Applying discounts to your car insurance policy in Arizona is typically straightforward. In some cases, your insurer may apply a discount automatically:
Contact your insurance agent or customer service representative. Learn about all the discounts you may be eligible for. If there’s a discount you think you should be eligible for but don’t see it listed, ask for more information.
Submit all the proper documentation. For example, you may need to provide confirmation that you completed an eligible driver improvement course. Required documentation may also include proof of continuous coverage, report cards, or vehicle information.
Make sure you’re actively enrolled in the driver monitoring program. Often, that means downloading an app and allowing it to track your location.
Opt in to paperless billing and automatic payments. Both typically result in a small discount. Paying for the entire policy term up front, rather than in monthly installments, may also result in a discount. You may need to log in online or via an app to set up these payment options and qualify for paperless, automatic payments, and paid-in-full discounts.
Find a policy and save money with discounts
Arizona car insurance costs $91 per month for liability-only coverage and $163 per month for full coverage. This makes car insurance in Arizona slightly more affordable than the U.S. average.
Neighboring New Mexico has slightly cheaper rates than Arizona, but drivers pay much more for coverage in California.
Costs are rising in Arizona. According to Insurify data, rates in Arizona are on track to increase by 3.9% by the end of 2026.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $49 | $84 |
| Just Pay-Per-Mile | $49 | $99 |
| Mile Auto | $59 | $109 |
| State Farm | $60 | $104 |
| Progressive | $63 | $106 |
| Sun Coast | $64 | $114 |
| Novo Flex | $67 | $100 |
| USAA | $67 | $117 |
| Aspire General | $68 | $139 |
| Certainly | $69 | $190 |
| Novo Next | $71 | $95 |
| The General | $74 | $192 |
| Mercury | $75 | $134 |
| Novo | $77 | $126 |
| Allstate | $82 | $141 |
| GEICO | $82 | $140 |
| Just Unlimited | $82 | $174 |
| Safeco | $83 | $124 |
| Hiroad | $84 | $159 |
| Direct Auto | $86 | $169 |
| Bristol West | $87 | $168 |
| National General | $91 | $182 |
| Dairyland | $93 | $226 |
| AssuranceAmerica | $97 | $186 |
| Clearcover | $97 | $175 |
| Trexis | $97 | $208 |
| Commonwealth Casualty | $98 | $214 |
| GAINSCO | $99 | $230 |
| Travelers | $104 | $180 |
| Covercube | $111 | $238 |
| Country Financial | $117 | $204 |
| American Family | $118 | $205 |
| The Hartford | $121 | $210 |
| Farmers | $122 | $211 |
| Root | $138 | $210 |
| Liberty Mutual | $139 | $187 |
Learn more about car insurance discounts in Arizona with these frequently asked questions.
You can lower car insurance costs in Arizona by qualifying for multiple discounts, including good driver discounts and multi-policy discounts. You can also lower your costs by shopping around using an online insurance marketplace or an independent agent.
Choosing higher deductibles for comprehensive coverage and collision coverage can also reduce your costs. Similarly, lower limits for bodily injury liability and property damage liability result in cheaper coverage.
You can qualify for a wide range of car insurance discounts in Arizona, including multi-policy discounts, good driver discounts, multi-car discounts, and good student discounts. Arizona law allows for premium reductions for drivers 55 and older who complete an eligible driver improvement course.
Yes. You can stack car insurance discounts in Arizona. For instance, you may receive a discount for participating in an insurer’s driver monitoring program. But an insurer could also reward you for good driving if you stay accident-, ticket-, and claim-free.
Similarly, you could qualify for a multi-vehicle discount if you’re one of the 10.8% of Arizona drivers who own more than one car. But you could also get a multi-policy discount for bundling your auto policy with home or renters insurance.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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