Cheapest Auto Insurance in Arizona (2024)
Auto-Owners offers the cheapest car insurance in Arizona, with liability-only rates as low as $46 per month.
Excellent
)
Written byAlani 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.
Featured in
){kind=logo}
){kind=logo}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
)
Data reviewed byKonstantin Halachev
)
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 November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Arizona drivers pay an average of $180 per month for a full-coverage policy and $92 for liability-only coverage, according to Insurify data. By comparison, the national average costs for full coverage and liability are $204 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, three of the 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 $216 for full coverage and $116 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.
3 of the 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.
Auto-Owners
| User Reviews | 4.0 |
|---|---|
| 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. | 8.5 /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. | $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. | $77/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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++Why we picked this company
If you get a DUI on record, you can expect to see your insurance rates skyrocket because you’ve become more of a liability to insurers. But Auto-Owners provides competitive liability-only insurance rates to drivers with a DUI violation.
Pros
Low number of complaints with the National Association of Insurance Commissioners (NAIC)
Variety of insurance product bundles available
Cons
Below-average customer satisfaction ranking in J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study
Must contact an independent agent to obtain a quote
Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | 7.5 /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. | $51/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. | $88/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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
State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $57/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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++Why we picked this company
State Farm offers some of the lowest rates for Arizona drivers and has a strong reputation for customer service excellence. The insurer earned an above-average customer satisfaction ranking in J.D. Power’s 2024 U.S. Insurance Study. Widely available throughout the U.S., State Farm also has a below-average number of complaints in the National Association of Insurance Commissioners' Consumer Complaint Index.
Pros
Competitive prices for Arizona drivers
Offers rideshare insurance
Cons
Gap insurance not available
May not be the cheapest option for drivers with motor vehicle violations
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.[1] 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. But 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 reduce your costs significantly.
Maintain good credit. 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.[2] 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 a car 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $46 |
| Mile Auto | $51 |
| State Farm | $57 |
| GEICO | $58 |
| USAA | $63 |
| Metromile | $76 |
| Root | $78 |
| Sun Coast | $80 |
| National General | $84 |
| Allstate | $94 |
| Travelers | $98 |
| Progressive | $99 |
| Mercury | $101 |
| Safeco | $104 |
| Dairyland | $106 |
| Direct Auto | $108 |
| American Family | $111 |
| COUNTRY Financial | $111 |
| Clearcover | $113 |
| The Hartford | $114 |
| Farmers | $115 |
| The General | $117 |
| Bristol West | $127 |
| Nationwide | $128 |
| GAINSCO | $129 |
| Commonwealth Casualty | $160 |
| AssuranceAmerica | $163 |
| Liberty Mutual | $169 |
| Hugo | $174 |
| Foremost | $211 |
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 disasters.
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 illustrates full-coverage rates from top insurers in Arizona.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $77 |
| Mile Auto | $88 |
| State Farm | $95 |
| GEICO | $98 |
| USAA | $106 |
| Root | $122 |
| Metromile | $127 |
| Safeco | $152 |
| Allstate | $158 |
| Sun Coast | $158 |
| Travelers | $164 |
| Mercury | $173 |
| Progressive | $177 |
| COUNTRY Financial | $185 |
| American Family | $186 |
| Clearcover | $190 |
| The Hartford | $191 |
| Farmers | $193 |
| National General | $198 |
| Nationwide | $215 |
| Direct Auto | $235 |
| Bristol West | $249 |
| Liberty Mutual | $255 |
| Dairyland | $268 |
| The General | $270 |
| AssuranceAmerica | $290 |
| GAINSCO | $298 |
| Foremost | $383 |
| Commonwealth Casualty | $390 |
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.
Your age affects how much you pay for car insurance. Teenagers and other young drivers pay the highest average car insurance premiums by age due to a lack of driving experience and higher chances of car accidents. Drivers between 35 and 70 typically have lower rates as they age, but senior drivers 70 and older tend to pay slightly higher rates due to aging-related risk factors.
Below, you can see the average monthly quotes for liability and full-coverage insurance for Arizona teen, adult, and senior drivers.
Age Group▲▼Average Quote: Liability Only▲▼Average Quote: Full Coverage▲▼Teen drivers $192 $376 Adult drivers $85 $166 Senior drivers $69 $134
Cheapest recent rates in Arizona
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $41/mo for full coverage in Arizona.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
If you’re a driver in Arizona, it’s essential to know that the state follows the tort system, which holds the at-fault driver financially responsible for the damages and injuries resulting from the accident. Here are the minimum liability coverages that drivers in Arizona must carry.[3]
Coverage ▲▼ | Minimum 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:
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.”
Medical payments insurance (MedPay)
This coverage steps in if you need to pay for your or your passenger’s medical expenses from a vehicular accident but your health insurance doesn’t cover all the expenses.
Cheapest car insurance in Arizona by driving record
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 driving record.
For example, the average cost of liability insurance for Arizona drivers with a clean record is $92 per month, but the average is $228 per month for people with an incident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI/DWI ▲▼ |
|---|---|---|---|
| Auto-Owners | $60 | $62 | $75 |
| Mile Auto | $66 | $70 | $83 |
| State Farm | $73 | $76 | $93 |
| GEICO | $75 | $78 | $94 |
| USAA | $81 | $84 | $102 |
| Metromile | $104 | $107 | $124 |
| Root | $108 | $112 | $113 |
| National General | $109 | $112 | $137 |
| Sun Coast | $110 | $112 | $128 |
| Allstate | $121 | $126 | $153 |
| Progressive | $126 | $133 | $161 |
| Travelers | $127 | $132 | $159 |
| Dairyland | $136 | $140 | $172 |
| Safeco | $136 | $138 | $157 |
| Direct Auto | $139 | $148 | $176 |
| Mercury | $139 | $145 | $152 |
| American Family | $143 | $149 | $180 |
| Clearcover | $146 | $163 | $184 |
| Farmers | $147 | $153 | $187 |
| COUNTRY Financial | $147 | $155 | $180 |
| The General | $153 | $159 | $190 |
| The Hartford | $163 | $169 | $171 |
| Bristol West | $164 | $170 | $207 |
| Nationwide | $166 | $173 | $208 |
| GAINSCO | $179 | $165 | $210 |
| AssuranceAmerica | $209 | $213 | $265 |
| Hugo | $220 | $248 | $283 |
| Commonwealth Casualty | $222 | $209 | $260 |
| Liberty Mutual | $234 | $241 | $275 |
| Foremost | $292 | $301 | $343 |
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.
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.
Car insurance in Arizona costs an average of $92 per month for liability-only coverage and $180 for full-coverage insurance, according to Insurify data. By comparison, the national averages are $104 and $204, respectively.
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 $51 and $57, respectively.
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.
Most insurers require at least the first month’s premium up front for your policy to go into effect. But you can look into coverage with Hugo, a pay-as-you-go car insurance company that lets you buy as little as three days of coverage at a time. Keep in mind that Hugo only offers state-minimum liability insurance, so if you need full-coverage car insurance or higher liability limits, Hugo won’t be an option for you.
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.[4]
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
- 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.
Related articles
More cities in Arizona
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Arizona Department of Insurance: Consumer Protection Division. "How Insurance Companies Use Credit Information."
- Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- NOLO. "Arizona Car Insurance Laws."
)
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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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.
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.
)
)
)
)
)