120+ more*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on June 4, 2026. 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Arizona car insurance rates are slightly lower than the national average, with liability coverage averaging $89 per month and full-coverage policies averaging $162 per month.
We’ve collected car insurance rate data from 120+ insurance companies in Arizona to show how prices change. Comparing quotes is usually the best way to find cheap car insurance in Arizona that fits your needs, as you’ll see in the table below.
Driver Category  | Cheapest Insurance Company in Arizona | Cheapest Monthly Quote in AZ |
|---|---|---|
| Overall | Auto-Owners | $48 |
| State-minimum coverage | Auto-Owners | $48 |
| Full coverage | Auto-Owners | $86 |
| Drivers with a clean record | Auto-Owners | $48 |
| After a speeding ticket | Auto-Owners | $63 |
| After an at-fault accident | Auto-Owners | $64 |
| After a DUI | Auto-Owners | $65 |
| Teen/new drivers | Auto-Owners | $105 |
| Seniors | Auto-Owners | $37 |
| Bad credit | Auto-Owners | $72 |
Liability-only car insurance won’t pay to repair your car after you cause a crash, but it’s typically the cheapest way to meet Arizona’s minimum insurance requirements.
On average, Arizona drivers pay $89 per month for liability coverage compared to the nationwide average of $98.
If you’re shopping for the lowest monthly payment, Auto-Owners is the most budget-friendly option for Arizona drivers. The table below shows the cheapest liability-only car insurance rates in Arizona.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $48 |
| Just Pay-Per-Mile | $48 |
| Mile Auto | $55 |
| Progressive | $57 |
| State Farm | $59 |
| Sun Coast | $62 |
| Certainly | $63 |
| Aspire General | $65 |
| Novo Flex | $66 |
| USAA | $66 |
| Mercury | $69 |
| Novo Next | $71 |
| The General | $72 |
| Novo | $75 |
| GEICO | $80 |
| Hiroad | $80 |
| Just Unlimited | $80 |
| Dairyland | $82 |
| Safeco | $82 |
| Bristol West | $83 |
| National General | $84 |
| Direct Auto | $86 |
| Commonwealth Casualty | $94 |
| Trexis | $94 |
| AssuranceAmerica | $95 |
| Clearcover | $95 |
| GAINSCO | $97 |
| Allstate | $98 |
| Travelers | $101 |
| Covercube | $106 |
| Insurify Car | $106 |
| Mendota | $106 |
| First Acceptance | $110 |
| American Family | $115 |
| Country Financial | $115 |
| The Hartford | $119 |
| Farmers | $120 |
| Root | $131 |
| Nationwide | $134 |
| Liberty Mutual | $135 |
| Hugo | $136 |
)
Mallory Mooney
Licensed P&C Insurance Agent and Director of Sales and Client Services, Insurify
The biggest mistake drivers make with liability-only coverage is choosing it just because it’s cheaper. If replacing your car after a total loss would strain your budget, the monthly savings may not be worth the risk.
Full-coverage car insurance costs more than liability-only coverage because it offers broader protection for Arizona drivers. It includes collision coverage and comprehensive coverage, which can help pay for damage to your vehicle after an accident, theft, vandalism, or weather-related events. It also typically has higher liability limits.
If you have a car loan or lease, your lender may require this level of protection. Arizona drivers pay around $162 per month for full coverage, but some insurers, including Auto-Owners, offer lower prices.
The table below shows the cheapest full-coverage car insurance rates for drivers in Arizona.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $86 |
| Just Pay-Per-Mile | $96 |
| Novo Flex | $97 |
| Mile Auto | $100 |
| Novo Next | $100 |
| State Farm | $106 |
| Progressive | $112 |
| Sun Coast | $113 |
| USAA | $118 |
| Safeco | $121 |
| Novo | $122 |
| Mercury | $125 |
| Aspire General | $133 |
| GEICO | $137 |
| Hiroad | $152 |
| Bristol West | $161 |
| Just Unlimited | $165 |
| Direct Auto | $168 |
| Clearcover | $172 |
| National General | $172 |
| Allstate | $176 |
| Certainly | $181 |
| Liberty Mutual | $182 |
| Travelers | $183 |
| The General | $187 |
| AssuranceAmerica | $191 |
| Root | $199 |
| Trexis | $199 |
| Commonwealth Casualty | $204 |
| Country Financial | $206 |
| American Family | $207 |
| The Hartford | $213 |
| Dairyland | $215 |
| Farmers | $215 |
| Covercube | $226 |
| GAINSCO | $227 |
| Nationwide | $240 |
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on June 4, 2026. 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car is a weekly car insurance option available in Arizona. You can pay for coverage one week at a time instead of monthly. Coverage meets Arizona’s liability insurance requirements, and you can extend or cancel your auto policy as your needs change.
Insurify Car is a practical option if you need temporary coverage, use your car seasonally, or want more control over your insurance payments.
Finding the best coverage in Arizona isn’t only about the lowest price — it’s also about choosing coverage that fits how you drive and where you live. The best car insurance companies in Arizona balance affordable rates with coverage options, discounts, and reliable customer service.
| 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. | $55/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. | $100/mo |
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.1 | 2.9 |
Drivers appreciate the quality service but find the rates high and claim processing slow.
Mile Auto is a strong car insurance company for Arizona’s large population of remote workers and retirees, who may not drive often. Mile Auto charges based on the miles you actually drive so your cost can better match how little you use your vehicle.
No telematics tracking device
Flexible add-ons and coverage options
Mileage-based pricing without driving restrictions
Must send monthly odometer photo
Fluctuating monthly totals make budgeting difficult
Higher-mileage drivers pay more
| 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. | $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. | $86/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners works well for Arizona drivers who prefer working with a local agent when choosing coverage and managing claims. It has a network of insurance agents across the state and performed well in J.D. Power’s 2025 U.S. Auto Claims Study.
Reliable claims handling matters when you’re dealing with weather-related damage or frequent windshield repairs, which are common in Arizona.
Several discounts to help lower premiums
Local agents across Arizona for personalized service
Offers accident forgiveness and gap insurance
Online quotes aren’t available
Online and mobile experiences can feel limited
Service quality can vary by agent
| 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. | $57/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. | $112/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is a practical choice for Arizona drivers who have a DUI or need an SR-22 filing, even if you don’t currently own a car. Its Snapshot program gives you a chance to prove you’re a safe driver now, regardless of your driving history. You can also customize your car insurance coverage with extras based on your budget and how much protection you want.
Strong digital tools for policy management
No up-front SR-22 filing fee
Name Your Price tool helps with budgeting
Low J.D. Power claims satisfaction
Snapshot may increase rates for some drivers
Rates vary by how you buy
After rates climbed through the first half of 2024, Arizona drivers saw some relief heading into 2025, according to Insurify data. From December 2024 to December 2025, average full-coverage car insurance costs fell nearly 6%.
Looking ahead, Insurify data scientists project a modest 0.8% increase in 2026 — a relatively steady outlook for the Grand Canyon State.
To put this trend into context, it helps to look at how average car insurance costs in Arizona have changed over the past five years.
The table below shows how Arizona’s car insurance rates have changed over the last five years. You’ll notice the run-up in 2024 and the downward trend across 2025.
State Name | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Arizona | 1,277 | 1,276 | 1,284 | 1,291 | 1,301 | 1,302 | 1,309 | 1,301 | 1,304 | 1,314 | 1,322 | 1,332 | 1,345 | 1,354 | 1,363 | 1,367 | 1,374 | 1,392 | 1,393 | 1,403 | 1,410 | 1,420 | 1,437 | 1,471 | 1,509 | 1,549 | 1,581 | 1,617 | 1,649 | 1,662 | 1,692 | 1,761 | 1,817 | 1,859 | 1,909 | 1,948 | 2,015 | 2,062 | 2,100 | 2,121 | 2,091 | 2,077 | 2,063 | 2,051 | 2,039 | 2,020 | 2,007 | 1,997 | 1,986 | 1,980 | 1,964 | 1,946 | 1,929 | 1,903 | 1,896 | 1,897 | 1,905 | 1,917 | 1,934 | 1,942 | 1,948 |
| United States | 1,556 | 1,551 | 1,553 | 1,555 | 1,557 | 1,562 | 1,565 | 1,567 | 1,568 | 1,572 | 1,578 | 1,591 | 1,602 | 1,608 | 1,612 | 1,618 | 1,624 | 1,632 | 1,640 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,802 | 1,850 | 1,887 | 1,919 | 1,956 | 1,984 | 2,006 | 2,036 | 2,076 | 2,128 | 2,194 | 2,240 | 2,299 | 2,342 | 2,368 | 2,389 | 2,386 | 2,373 | 2,370 | 2,361 | 2,350 | 2,365 | 2,366 | 2,366 | 2,354 | 2,341 | 2,317 | 2,285 | 2,256 | 2,227 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 |
Compare quotes starting at $48 per month
Arizona drivers must have car insurance that meets the state’s minimum liability coverage requirements. Arizona law requires liability insurance for any vehicle you drive on public roads, including cars, motorcycles, golf carts, and mopeds.[1]
Here are Arizona’s minimum coverage requirements:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
If you won’t be driving in Arizona for a while, Arizona allows you to temporarily de-insure (stop carrying insurance for) a vehicle. Visit the Arizona Motor Vehicle Division (AZ MVD) website to follow the state’s de-insurance process.
Car insurance rates change by location within Arizona. Premiums in larger cities, such as Glendale, are often higher than in smaller cities, like Lake Havasu, due to higher rates of car accidents, theft, and other location-specific factors.
Consider the table below, which shows the average monthly car insurance quotes across different Arizona cities.
City | Average Monthly Quote |
|---|---|
| Casa Grande | $123 |
| Chandler | $129 |
| Flagstaff | $97 |
| Glendale | $165 |
| Lake Havasu | $87 |
| Mesa | $138 |
| Phoenix | $168 |
| Scottsdale | $130 |
| Tempe | $146 |
| Tucson | $122 |
| Yuma | $102 |
A clean driving record can help you qualify for the lowest available rates. Auto-Owners is the most affordable car insurance in Arizona for drivers with a clean record. The table below shows the cheapest premiums for drivers with good credit and a clean record in Arizona.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $44 |
| Just Pay-Per-Mile | $46 |
| Mile Auto | $51 |
| Progressive | $55 |
| State Farm | $55 |
| Sun Coast | $59 |
| Certainly | $60 |
| USAA | $61 |
| Aspire General | $62 |
| Novo Flex | $63 |
| Mercury | $65 |
| The General | $66 |
| Novo Next | $68 |
| Novo | $72 |
| National General | $74 |
| Dairyland | $75 |
| GEICO | $75 |
| Hiroad | $77 |
| Just Unlimited | $77 |
| Bristol West | $78 |
| Direct Auto | $79 |
| AssuranceAmerica | $81 |
| Commonwealth Casualty | $82 |
| Safeco | $84 |
| GAINSCO | $89 |
| Trexis | $90 |
| Travelers | $93 |
| Clearcover | $94 |
| Allstate | $94 |
| Covercube | $102 |
| Insurify Car | $102 |
| Mendota | $102 |
| Country Financial | $104 |
| First Acceptance | $106 |
| The Hartford | $107 |
| American Family | $109 |
| Farmers | $110 |
| Nationwide | $122 |
| Root | $125 |
| Hugo | $132 |
| Liberty Mutual | $136 |
Under Arizona law, driving more than 20 mph over the speed limit or more than 35 mph approaching a school zone qualifies as criminal speeding.[2] Arizona speeding fines vary by court, so it’s best to review your county rules.
A speeding ticket on your record can raise your car insurance rates, but some Arizona insurers are more forgiving than others. For instance, Auto-Owners offers the best deal on average.
Here are the cheapest rates for Arizona drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Just Pay-Per-Mile | $61 |
| Auto-Owners | $63 |
| Mile Auto | $68 |
| Progressive | $73 |
| State Farm | $76 |
| Sun Coast | $79 |
| Certainly | $81 |
| Aspire General | $83 |
| Novo Flex | $85 |
| USAA | $86 |
| Novo Next | $91 |
| Novo | $96 |
| Mercury | $96 |
| The General | $98 |
| Hiroad | $102 |
| Just Unlimited | $102 |
| Dairyland | $103 |
| Bristol West | $106 |
| GEICO | $106 |
| National General | $106 |
| Safeco | $109 |
| Direct Auto | $109 |
| Commonwealth Casualty | $113 |
| GAINSCO | $118 |
| Trexis | $120 |
| AssuranceAmerica | $122 |
| Clearcover | $123 |
| Allstate | $129 |
| Travelers | $133 |
| Covercube | $136 |
| Insurify Car | $136 |
| Mendota | $136 |
| First Acceptance | $141 |
| American Family | $151 |
| Farmers | $156 |
| Country Financial | $157 |
| Root | $158 |
| The Hartford | $166 |
| Liberty Mutual | $174 |
| Hugo | $175 |
| Nationwide | $176 |
Arizona’s car insurance laws are fault-based, which means you’re responsible for any injuries or property damage when you cause an accident.[3] An at-fault crash can raise your car insurance rates for several years, but some insurers offer more affordable coverage after a claim.
Auto-Owners often offers some of the lowest rates for Arizona drivers with an at-fault accident. Below, you’ll find the insurance companies offering the cheapest rates for Arizona drivers with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $64 |
| Just Pay-Per-Mile | $65 |
| Mile Auto | $75 |
| Progressive | $77 |
| State Farm | $79 |
| Sun Coast | $84 |
| Certainly | $85 |
| Aspire General | $88 |
| Novo Flex | $89 |
| USAA | $90 |
| Novo Next | $96 |
| The General | $100 |
| Novo | $101 |
| Mercury | $104 |
| GEICO | $107 |
| Hiroad | $108 |
| Just Unlimited | $108 |
| Dairyland | $110 |
| Bristol West | $111 |
| National General | $113 |
| Safeco | $115 |
| Direct Auto | $118 |
| GAINSCO | $126 |
| Commonwealth Casualty | $126 |
| Trexis | $127 |
| AssuranceAmerica | $128 |
| Allstate | $133 |
| Clearcover | $137 |
| Travelers | $138 |
| Covercube | $143 |
| Insurify Car | $143 |
| Mendota | $143 |
| First Acceptance | $149 |
| American Family | $157 |
| Country Financial | $159 |
| Farmers | $162 |
| Root | $167 |
| The Hartford | $168 |
| Liberty Mutual | $181 |
| Hugo | $183 |
| Nationwide | $183 |
Getting a DUI in Arizona comes with serious penalties, including mandatory ignition interlock devices and potential jail time.[4] It also means your car insurance premiums could skyrocket.
Arizona drivers with a DUI pay an average of $123 per month for liability insurance. Auto-Owners typically offers the lowest rates for Arizona drivers with a DUI.
The table below shows the cheapest auto insurance rates for drivers with a DUI in Arizona.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $65 |
| Just Pay-Per-Mile | $67 |
| Mile Auto | $78 |
| Progressive | $79 |
| State Farm | $83 |
| Sun Coast | $86 |
| Certainly | $87 |
| Aspire General | $90 |
| Novo Flex | $91 |
| USAA | $93 |
| Novo Next | $98 |
| The General | $99 |
| Novo | $104 |
| Mercury | $104 |
| Hiroad | $111 |
| Just Unlimited | $111 |
| GEICO | $112 |
| Dairyland | $116 |
| Bristol West | $117 |
| National General | $119 |
| Direct Auto | $122 |
| Safeco | $123 |
| Clearcover | $129 |
| Commonwealth Casualty | $129 |
| Trexis | $130 |
| AssuranceAmerica | $134 |
| GAINSCO | $137 |
| Allstate | $139 |
| Travelers | $143 |
| Covercube | $147 |
| Insurify Car | $147 |
| Mendota | $147 |
| First Acceptance | $152 |
| American Family | $155 |
| Country Financial | $159 |
| Farmers | $170 |
| The Hartford | $176 |
| Root | $185 |
| Nationwide | $189 |
| Liberty Mutual | $191 |
| Hugo | $192 |
If you need an SR-22 in Arizona, the state requires you to maintain the filing for up to three years to prove you meet its minimum coverage requirements. Your insurer files the SR-22 with the Arizona MVD. If you don’t own a vehicle but still need to reinstate your driver’s license, you can purchase a non-owner SR-22 policy.
Arizona drivers pay a monthly average of $64 for SR-22 insurance.
The table below shows the cheapest rates for drivers with an SR-22 in Arizona.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $64 |
| Just Pay-Per-Mile | $64 |
| Mile Auto | $74 |
| Progressive | $77 |
| State Farm | $79 |
| Sun Coast | $83 |
| Certainly | $85 |
| Aspire General | $87 |
| Novo Flex | $89 |
| USAA | $89 |
| Mercury | $93 |
| Novo Next | $95 |
| The General | $97 |
| Novo | $101 |
| GEICO | $107 |
| Hiroad | $107 |
| Just Unlimited | $107 |
| Dairyland | $110 |
| Safeco | $110 |
| Bristol West | $112 |
| National General | $113 |
| Direct Auto | $116 |
| Commonwealth Casualty | $126 |
| Trexis | $126 |
| AssuranceAmerica | $128 |
| Clearcover | $128 |
| GAINSCO | $130 |
| Allstate | $132 |
| Travelers | $136 |
| Covercube | $142 |
| Insurify Car | $142 |
| Mendota | $142 |
| First Acceptance | $148 |
| American Family | $155 |
| Country Financial | $155 |
| The Hartford | $160 |
| Farmers | $161 |
| Root | $176 |
| Nationwide | $180 |
| Liberty Mutual | $181 |
| Hugo | $183 |
Compare rates for drivers with accidents, tickets, or other incidents
Arizona requires teen drivers to progress through a three-phase graduated driver licensing program that includes restrictions on nighttime driving and passengers.[5] Adding a teen to your car insurance policy isn’t cheap, but some companies offer more affordable options for young drivers.
Auto-Owners has some of the lowest rates for teen drivers in Arizona. Explore the table below to see some of the cheapest rates for Arizona teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Just Pay-Per-Mile | $103 |
| Auto-Owners | $105 |
| Mile Auto | $122 |
| Progressive | $122 |
| State Farm | $124 |
| Sun Coast | $133 |
| USAA | $133 |
| Certainly | $135 |
| Mercury | $137 |
| Aspire General | $139 |
| Novo Flex | $141 |
| The General | $141 |
| Novo Next | $152 |
| Dairyland | $156 |
| GEICO | $157 |
| Novo | $160 |
| Bristol West | $160 |
| Hiroad | $171 |
| Just Unlimited | $171 |
| Clearcover | $171 |
| Safeco | $180 |
| Direct Auto | $181 |
| National General | $181 |
| GAINSCO | $188 |
| Commonwealth Casualty | $192 |
| Trexis | $201 |
| Country Financial | $204 |
| Allstate | $210 |
| AssuranceAmerica | $212 |
| Root | $219 |
| Travelers | $227 |
| Covercube | $227 |
| Insurify Car | $227 |
| Mendota | $227 |
| First Acceptance | $235 |
| American Family | $236 |
| Liberty Mutual | $258 |
| Farmers | $259 |
| Hugo | $272 |
| Nationwide | $283 |
| The Hartford | $287 |
Drivers in their 60s often qualify for some of the lowest auto insurance rates. Nearly 20% of Arizona residents are age 65 and older, according to the U.S. Census Bureau.[6] With so many older adults in the state, affordable coverage for experienced drivers matters.
For senior drivers in Arizona, Auto-Owners has the cheapest rates. Several other insurers also offer affordable prices for Arizona’s more mature drivers.
Take a look at the table below to see the cheapest auto insurance rates for senior drivers in their 60s in Arizona.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $37 |
| Just Pay-Per-Mile | $40 |
| Mile Auto | $43 |
| State Farm | $46 |
| Progressive | $48 |
| Sun Coast | $52 |
| USAA | $53 |
| Certainly | $53 |
| Mercury | $54 |
| Aspire General | $55 |
| Novo Flex | $56 |
| Novo Next | $60 |
| The General | $61 |
| GEICO | $63 |
| Novo | $63 |
| National General | $65 |
| Hiroad | $67 |
| Just Unlimited | $67 |
| Bristol West | $68 |
| Dairyland | $69 |
| Direct Auto | $70 |
| Safeco | $71 |
| AssuranceAmerica | $73 |
| Commonwealth Casualty | $75 |
| Allstate | $78 |
| Trexis | $79 |
| Travelers | $80 |
| GAINSCO | $82 |
| Clearcover | $83 |
| The Hartford | $84 |
| Covercube | $89 |
| Insurify Car | $89 |
| Mendota | $89 |
| Country Financial | $90 |
| American Family | $91 |
| First Acceptance | $93 |
| Farmers | $94 |
| Nationwide | $101 |
| Liberty Mutual | $111 |
| Hugo | $117 |
| Root | $119 |
Insurers in Arizona may use your credit history when setting your car insurance rates.[7] If you have poor credit in Arizona, it can lead to higher premiums. You still have options if your credit isn’t perfect, and you can start by getting a quote from the cheapest insurer, Auto-Owners.
Take a look at the table below to find the cheapest car insurance rates for Arizona drivers with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Just Pay-Per-Mile | $60 |
| Mile Auto | $68 |
| Progressive | $71 |
| Auto-Owners | $72 |
| Sun Coast | $78 |
| Certainly | $79 |
| USAA | $81 |
| Aspire General | $81 |
| Novo Flex | $83 |
| Mercury | $84 |
| State Farm | $85 |
| Novo Next | $89 |
| The General | $89 |
| Novo | $94 |
| GEICO | $99 |
| Hiroad | $100 |
| Just Unlimited | $100 |
| Dairyland | $101 |
| Safeco | $101 |
| Bristol West | $103 |
| National General | $104 |
| Direct Auto | $106 |
| Commonwealth Casualty | $116 |
| Trexis | $118 |
| AssuranceAmerica | $118 |
| Clearcover | $118 |
| GAINSCO | $120 |
| Allstate | $121 |
| Travelers | $125 |
| Covercube | $133 |
| Insurify Car | $133 |
| Mendota | $133 |
| First Acceptance | $138 |
| American Family | $138 |
| Country Financial | $139 |
| Farmers | $148 |
| The Hartford | $153 |
| Liberty Mutual | $162 |
| Root | $162 |
| Nationwide | $166 |
| Hugo | $168 |
Find liability coverage for as low as $48 per month
Shopping for car insurance in Arizona can raise many questions. The answers below can help you better understand your options before you compare Arizona auto insurance quotes.
Auto-Owners is the cheapest car insurance company in Arizona, with liability rates averaging $48 per month, according to Insurify data. Your actual cost will vary based on factors like age, location, and driving history.
Depending on where you live and the coverage you choose, $100 per month for car insurance may be normal. For context, the national monthly average for liability car insurance is $98. On average, Arizona drivers pay $89 per month for liability coverage.
Arizona car insurance rates aren’t expensive compared to the national average. Car insurance costs can be higher if you’re in an area with more traffic congestion, higher rates of accidents, or higher repair costs. Personal factors like your driving history, age, and credit history can also affect whether your rates are more expensive.
One of the best ways to lower your Arizona car insurance premiums is by comparing rates from several insurers at least once a year. Other ways to reduce your costs in Arizona include keeping your driving record free of violations, adjusting your coverage levels, choosing a higher deductible, and taking advantage of car insurance discounts.
Arizona law requires all drivers to have minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 per accident for property damage. The Arizona Department of Transportation’s Motor Vehicle Division enforces these requirements, and failure to meet them could lead to suspension of a driver’s license and vehicle registration.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
