Cheapest Auto Insurance in Arizona (2026)
Mile Auto offers the cheapest car insurance quotes in Arizona, with liability-only coverage as low as $67 per month.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
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
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Table of contents
Arizona drivers pay an average of $157 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 $174 and $99, 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 Mile Auto, Progressive, or Auto-Owners, 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 $193 for full coverage and $125 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 $131 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 | 4.3 |
|---|---|
| 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. | 8.2 /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. | $69/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. | $103/mo |
4.3
Best choiceBased on 301 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (145)
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 | 4.5 |
|---|---|
| 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. | 8.8 /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. | $67/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. | $111/mo |
4.5
Best choiceBased on 187 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (65)
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
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.
2.18A.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 | 4.0 |
|---|---|
| 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. | 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. | $86/mo |
4.0
Best choiceBased on 14,868 verified guest reviews and ratings
How drivers feel about State Farm
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.
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
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,021)
Matthew
Verified Review
I like Jake, but not State Farm.
Reviewed in Ohio on February 12, 2026
Very disappointing. Policy cost hikes with no explanation. No effort by the agent to review and reduce costs. They collect the premium and forget you exist.
Rickie
Verified Review
Satisfied Customer
Reviewed in North Carolina on February 12, 2026
Can't say enough good things about this agency. They went above and beyond to help us with everything we needed. Highly recommend them.
Kenneth
Verified Review
State Farm Insurance Experience
Reviewed in Missouri on February 12, 2026
I had a disappointing experience with State Farm. After my wife had two strokes, I took her off the policy. I was told that my premium would decrease, but instead, it increased by $30.00/month. When I filed a claim for flood damage caused by a water softener unit in my home, they categorized it as sewage backup. They also informed me that mold was not covered by the policy. I am now in the process of switching to a different company. I have been with State Farm for almost 60 years, and I feel dissatisfied with their service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Estimate your Arizona car insurance cost
Factors like your age, driving history, the type of vehicle you drive, and more affect your car insurance premium. Our car insurance calculator can help you get an idea of how much you might pay for car insurance compared to other drivers with similar rating factors.
ESTIMATED RATE: $174 per month
40.3% of similar drivers pay less for coverage. Save up to $1272 per year by comparing quotes!
Quoted premiums and averages sourced from Insurify's database of more than 97 million car insurance quotes from 120+ partner providers. Actual rates may vary based on each policy buyer's unique driver profile.
How to get the cheapest car insurance in Arizona
Your age, gender, driving record, claim history, vehicle type, credit history, and location can influence your policy costs.[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.
Low-cost car insurance in Arizona
Arizona doesn’t have a state program geared toward connecting low-income drivers with a cheaper car insurance policy. If you’re looking for a low-cost car insurance policy in Arizona, you should shop around for car insurance quotes from three to five insurance companies to ensure you’re always with the cheapest insurer in your area. Companies routinely revise their rates, and a company that gave you the best deal six months ago may not have the best deal for you today.
Cheapest liability-only car insurance quotes in Arizona: Mile Auto
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 in Arizona are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 |
|---|---|
| Mile Auto | $67 |
| Progressive | $69 |
| Auto-Owners | $69 |
| Sun Coast | $82 |
| State Farm | $86 |
| Mercury | $87 |
| Dairyland | $95 |
| USAA | $96 |
| The General | $101 |
| National General | $103 |
| Bristol West | $106 |
| Safeco | $108 |
| GEICO | $114 |
| Direct Auto | $114 |
| Root | $124 |
| AssuranceAmerica | $127 |
| Commonwealth Casualty | $127 |
| GAINSCO | $132 |
| Clearcover | $137 |
| Allstate | $143 |
| Travelers | $148 |
| COUNTRY Financial | $167 |
| American Family | $168 |
| The Hartford | $172 |
| Farmers | $174 |
| Hugo | $177 |
| Liberty Mutual | $186 |
| Nationwide | $194 |
Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes 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 in Arizona are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 | $103 |
| Mile Auto | $111 |
| State Farm | $128 |
| Sun Coast | $139 |
| USAA | $143 |
| Safeco | $151 |
| Mercury | $151 |
| Progressive | $161 |
| GEICO | $163 |
| Root | $181 |
| Clearcover | $192 |
| National General | $200 |
| Bristol West | $201 |
| Direct Auto | $208 |
| The General | $210 |
| Allstate | $213 |
| Liberty Mutual | $219 |
| Travelers | $220 |
| AssuranceAmerica | $244 |
| COUNTRY Financial | $249 |
| American Family | $250 |
| The Hartford | $257 |
| Farmers | $259 |
| Commonwealth Casualty | $266 |
| Dairyland | $271 |
| GAINSCO | $285 |
| Nationwide | $289 |
Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona 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 GroupAverage Quote: Liability OnlyAverage Quote: Full CoverageTeen drivers $206 $344 Adult drivers $93 $156 Senior drivers $79 $131
Cheapest recent car insurance quotes in Arizona
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $62/mo for full coverage in Arizona.
*Quotes generated for Insurify users within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 12, 2026. 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 February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 12, 2026. 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 companies 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 $94 per month, but the average is $188 per month for people with an incident.
The below rates in Arizona are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 | Avg. Quote With Speeding Ticket | Avg. Quote With At-Fault Accident | Avg. Quote With DUI/DWI |
|---|---|---|---|
| Mile Auto | $83 | $91 | $97 |
| Progressive | $87 | $93 | $97 |
| Auto-Owners | $90 | $92 | $100 |
| Sun Coast | $104 | $111 | $115 |
| State Farm | $110 | $115 | $124 |
| Dairyland | $119 | $127 | $138 |
| Mercury | $122 | $133 | $131 |
| USAA | $125 | $130 | $139 |
| National General | $129 | $138 | $149 |
| Bristol West | $134 | $141 | $153 |
| The General | $135 | $140 | $146 |
| Safeco | $143 | $153 | $167 |
| Direct Auto | $143 | $157 | $165 |
| GEICO | $150 | $149 | $163 |
| Commonwealth Casualty | $151 | $169 | $184 |
| GAINSCO | $158 | $171 | $191 |
| AssuranceAmerica | $162 | $171 | $184 |
| Root | $166 | $167 | $180 |
| Clearcover | $180 | $202 | $198 |
| Allstate | $187 | $193 | $207 |
| Travelers | $193 | $201 | $214 |
| American Family | $219 | $227 | $243 |
| Farmers | $224 | $234 | $252 |
| Hugo | $229 | $222 | $256 |
| COUNTRY Financial | $230 | $231 | $232 |
| Liberty Mutual | $238 | $250 | $269 |
| The Hartford | $239 | $240 | $259 |
| Nationwide | $253 | $263 | $281 |
Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona may vary based on the policy buyer's unique driver profile.
)
SR-22 Companies in Arizona
Car insurance rates across Arizona cities
The city you live in affects your car insurance rate. This is because your city, down to the neighborhood you live in, affects the probability of you filing a claim. Check out the table below to have a closer look at the average car insurance quote across Arizona.
- CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Casa Grande $89 $155 Flagstaff $75 $125 Glendale $123 $201 Lake Havasu City $63 $110 Mesa $106 $158 Phoenix $125 $193 Scottsdale $102 $154 Tempe $108 $173 Tucson $91 $144 Yuma $76 $124 Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona 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 $94 per month for liability-only coverage and $157 for full-coverage insurance, according to Insurify data. By comparison, the national averages are $99 and $174, respectively.
Mile Auto offers the lowest car insurance rates in Arizona, with liability-only policies that start at $67 per month. Arizona drivers can also find cheap car insurance with the state’s second- and third-cheapest insurers, Progressive and Auto-Owners. Their monthly liability rates average $69 and $69, 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.
In Arizona, you don’t need insurance at the time of registration. But you must secure insurance and submit proof to the Arizona Department of Transportation within 30 days of registering your vehicle.[4] It’s illegal to drive without insurance in Arizona, so it’s worth getting your insurance as soon as possible.
Yes. Arizona requires drivers to carry at least $25,000 in bodily injury liability for one person and $50,000 for two or more people, as well as $15,000 in property damage liability.
Although rates in Arizona are lower compared to the national average, you still may see increases. This can be a result of personal factors such as your age, gender, credit history, where you live, and negative changes to your driving record.
Outside factors, like wildfires and rising repair and maintenance costs, can also affect your rates.
Yes. Car insurance is generally cheaper in Arizona than in California. Full-coverage insurance in Arizona costs an average of $157 per month, and full coverage averages $191 per month in California. Liability insurance costs $94 per month in Arizona and $92 per month in California.
Yes. Arizona requires all drivers to have a minimum amount of car insurance to legally drive.
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.[5]
Methodology
Insurify data scientists analyzed more than 190 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:
- 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.
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Cheapest Car Insurance Quotes in Phoenix, AZ
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Best Cheap Car Insurance in Mesa, AZ, Starting at $69
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Cheapest Car Insurance Quotes in Lake Havasu City, AZ,
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Cheap Car Insurance in Flagstaff, AZ, Starting at $52
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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."
- Arizona Department of Transportation. "Insurance Information and Requirements."
- NOLO. "Arizona Car Insurance Laws."
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Alani AsisFreelance Personal Finance and Insurance Writer
Alani Asis is a personal finance freelance writer with more than four years of experience. She’s written about insurance, investing, and other personal finance topics for leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
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.
