120+ more*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on September 15, 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 September 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Cheapest car insurance company in Arizona: Just Pay-Per-Mile
Cheapest car insurance rate in Arizona: $49
Average monthly liability-only car insurance cost in Arizona: $91
Average monthly full coverage car insurance cost in Arizona: $163
Just Pay-Per-Mile, Auto-Owners, and Mile Auto offer the cheapest car insurance in Arizona.
Our quotes reflect a driver with good credit and a clean driving record. You can compare the average rates below.
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Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $49 | $84 |
| Just Pay-Per-Mile | $49 | $99 |
| Mile Auto | $59 | $109 |
| State Farm | $60 | $104 |
| Progressive | $63 | $106 |
| Sun Coast | $64 | $114 |
| Novo Flex | $67 | $100 |
| USAA | $67 | $117 |
| Aspire General | $68 | $139 |
| Certainly | $69 | $190 |
| Novo Next | $71 | $95 |
| The General | $74 | $192 |
| Mercury | $75 | $134 |
| Novo | $77 | $126 |
| Allstate | $82 | $141 |
| GEICO | $82 | $140 |
| Just Unlimited | $82 | $174 |
| Safeco | $83 | $124 |
| Hiroad | $84 | $159 |
| Direct Auto | $86 | $169 |
| Bristol West | $87 | $168 |
| National General | $91 | $182 |
| Dairyland | $93 | $226 |
| AssuranceAmerica | $97 | $186 |
| Clearcover | $97 | $175 |
| Trexis | $97 | $208 |
| Commonwealth Casualty | $98 | $214 |
| GAINSCO | $99 | $230 |
| Travelers | $104 | $180 |
| Covercube | $111 | $238 |
| Country Financial | $117 | $204 |
| American Family | $118 | $205 |
| The Hartford | $121 | $210 |
| Farmers | $122 | $211 |
| Root | $138 | $210 |
| Liberty Mutual | $139 | $187 |
Agent Tip: Is liability-only insurance sufficient for drivers in Arizona?
“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.”
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The best car insurance in Arizona depends on your unique situation, such as your coverage needs and budget. Below are some of our picks based on pricing, customer satisfaction, financial stability, and verified Insurify user reviews we compiled.
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $117/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Arizona ranks among the top 15 states for the highest concentration of veterans and has five military installations, so many drivers in the state are eligible for USAA. USAA earned the top customer satisfaction score from J.D. Power in the Southwest (including Arizona), though it wasn’t officially ranked.
SafePilot, which rewards safe driving, is available in Arizona
A++ (Superior) AM Best financial strength rating
Provides an educational page for Arizona drivers
Membership limited to military members, veterans, and their families
May find cheaper premiums from other insurers in Arizona
No physical locations in Arizona
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers affordable car insurance in Arizona and scores highly for customer satisfaction. About 11% of Arizona drivers own multiple vehicles, so many can qualify for a multi-car discount, according to Insurify data. Drive Safe & Save, which can save you up to 30%, and a good student discount are also available.
Above-average ranking in J.D. Power study of Southwest Region
More than $1 billion in premiums written for Arizona auto insurance
No insurer fees, per Arizona Department of Insurance and Financial Institutions (DIFI)
No accident forgiveness, which may be necessary in dense metros like Phoenix
AM Best downgraded its financial strength rating from A++ to A+ in 2025
No gap insurance for the 29% of AZ drivers who finance their vehicles, according to Insurify data
| User Reviews | 4.6 |
|---|---|
| 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. | $104/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. | $180/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
With 121,107 crashes in 2024, full-coverage car insurance may be a necessity in Arizona — especially if you finance your vehicle, per DIFI. Along with collision and comprehensive coverage, Travelers offers loan/lease gap insurance and new-car replacement coverage for up to five years.
Insurance agents available throughout Arizona
Offers rideshare coverage (AZ ranks second for drivers with rideshare, according to Insurify data)
Accident forgiveness available
Below-average ranking in J.D. Power study of Southwest Region
Higher premiums than many Arizona competitors
Below-average claims satisfaction in J.D. Power study
We evaluated insurers operating in Arizona using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Arizona drivers, including traffic and urban congestion, road accidents, and the availability of local agents throughout the state.
The average cost of car insurance in Arizona is $91 per month for liability coverage and $163 for full coverage — both below the national monthly averages of $98 and $187.
Arizona is less densely populated than the U.S. average and has shorter commute times. The state has recorded a drop in auto thefts and crash fatalities in recent years, which could also lower costs.
While Arizona can experience flash flooding from monsoons, it doesn’t have hurricanes and coastal flooding like Gulf Coast states do.
Liability policies average $91/mo.
Car insurance rates vary by city, often due to factors such as population density, vehicle theft rates, and accident rates. The table below compares average full-coverage and liability insurance rates across Arizona cities.
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City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Sierra Vista | $58 | $119 |
| Douglas | $62 | $144 |
| Lake Havasu City | $64 | $111 |
| Cottonwood | $67 | $113 |
| Kingman | $67 | $125 |
| Bullhead City | $68 | $125 |
| Prescott Valley | $68 | $140 |
| Safford | $68 | $139 |
| Prescott | $69 | $121 |
| Yuma | $70 | $132 |
| Flagstaff | $73 | $127 |
| Sahuarita | $76 | $141 |
| Marana | $78 | $137 |
| Florence | $80 | $152 |
| Casa Grande | $85 | $156 |
| Tucson | $87 | $157 |
| Sun City | $90 | $139 |
| Goodyear | $92 | $182 |
| Apache Junction | $93 | $152 |
| Maricopa | $93 | $182 |
| Chandler | $94 | $166 |
| Buckeye | $98 | $185 |
| Scottsdale | $99 | $167 |
| Mesa | $100 | $170 |
| Gilbert | $102 | $172 |
| Litchfield Park | $102 | $182 |
| San Tan Valley | $102 | $174 |
| Surprise | $104 | $187 |
| Peoria | $105 | $187 |
| Tempe | $107 | $184 |
| Avondale | $109 | $194 |
| El Mirage | $109 | $204 |
| Queen Creek | $111 | $185 |
| Tolleson | $116 | $211 |
| Laveen | $119 | $229 |
| Glendale | $120 | $211 |
| Phoenix | $123 | $220 |
Rates tend to run higher in densely populated metro areas, such as Glendale, while cities like Scottsdale are a bit more affordable. Below are the most expensive cities for car insurance in Arizona.
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Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Queen Creek | $111 | $185 |
| Tolleson | $116 | $211 |
| Laveen | $119 | $229 |
| Glendale | $120 | $211 |
| Phoenix | $123 | $220 |
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Arizona has a competitive insurance market, so you can often save money by comparing quotes from multiple insurers. Each company weighs location, age, vehicle type, and driving history differently, so rates can vary, even for the same driver.
These tips can help you get quotes that more closely reflect what you’d pay:
Ask every insurer for the same coverage (including add-ons like medical payments coverage), deductible, and limits, so you’re comparing quotes accurately.
Ask whether your policy caps coverage for family members at Arizona’s state minimum, even if you purchase higher liability limits.
Review your Comprehensive Loss Underwriting Exchange (C.L.U.E.) report for any mistakes that could affect your eligibility and price.
Arizona drivers must meet the state’s minimum auto insurance requirements. Arizona law requires liability insurance for any vehicle you drive on public roads, including cars, motorcycles, golf carts, and mopeds.
Below are Arizona’s minimum coverage requirements:[1]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
Driving without coverage in Arizona can result in a license suspension and an SR-22 insurance requirement for three years after reinstatement.[2]
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 Department of Transportation’s Motor Vehicle Division (AZ MVD) website to follow the state’s de-insurance process.
Arizona car insurance costs less than the national average, according to Insurify data. The tips below can help you lower your car insurance premiums even further:
Shop around. Arizona has almost 1,800 licensed companies offering insurance across all lines, giving you plenty of options when shopping for coverage. Comparing quotes is the best way for Arizona drivers to find cheap car insurance.
Bundle multiple policies. About 67% of homes in Arizona are owner-occupied, according to the U.S. Census Bureau. Most insurers offer a discount for bundling your home and auto insurance together.
Complete a defensive driving course. If you get a ticket in Arizona, you can attend a defensive driving program to keep points off your license. Otherwise, convictions stay on your record for five years.[3]
Work on your credit. Arizona’s average credit score of 709 is below the national average of 713. Arizona allows insurers to use your credit-based insurance score, so improving poor credit could lower your rate.
Ask about a low-mileage discount. The average Arizona driver logs 9,157 miles annually, according to Insurify data. If you drive less than that — for example, if you’re retired or work from home — you may qualify for a reduced premium.
Check for a mature-driver discount. If you’re 55 or older, Arizona law allows insurers to offer a rate reduction for completing an approved accident-prevention course. It’s not required by law, though, so confirm whether your insurer participates.
See quotes from top insurers in minutes
Insurers consider your age, credit history, and driving record when determining your rate. Young drivers and high-risk drivers, such as those with driving under the influence (DUI) convictions, speeding tickets, or at-fault accidents, tend to have the highest premiums. Compare average quotes for Arizona drivers with similar situations to yours below.
Arizona car insurance quotes by coverage
Arizona car insurance guides
Arizona saw insurance costs rise for a few years after the pandemic due to riskier driving and higher medical and auto repair costs. The state finally began to see some relief from price hikes during the latter half of 2024, once insurers’ margins improved.
Tariffs still haven’t fully hit repair costs, though, which could affect Arizona’s insurance rates in 2026. Insurify projections show a less-than-1% increase, bringing the average annual premium to $1,813 by year-end.
State Name | 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 | 2026-06 | 2026-07 | 2026-08 |
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| Arizona | 1,292 | 1,301 | 1,302 | 1,310 | 1,304 | 1,305 | 1,315 | 1,319 | 1,333 | 1,346 | 1,355 | 1,363 | 1,367 | 1,374 | 1,392 | 1,393 | 1,403 | 1,410 | 1,420 | 1,440 | 1,474 | 1,509 | 1,549 | 1,581 | 1,617 | 1,648 | 1,662 | 1,692 | 1,761 | 1,818 | 1,857 | 1,911 | 1,946 | 2,009 | 2,063 | 2,097 | 2,122 | 2,097 | 2,077 | 2,063 | 2,050 | 2,038 | 2,019 | 2,006 | 1,995 | 1,987 | 1,979 | 1,963 | 1,945 | 1,927 | 1,901 | 1,896 | 1,896 | 1,903 | 1,915 | 1,932 | 1,941 | 1,944 | 1,950 | 1,951 | 1,951 |
| United States | 1,555 | 1,557 | 1,561 | 1,564 | 1,566 | 1,568 | 1,571 | 1,577 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,623 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,956 | 1,983 | 2,006 | 2,037 | 2,076 | 2,127 | 2,194 | 2,238 | 2,299 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,370 | 2,361 | 2,351 | 2,367 | 2,368 | 2,367 | 2,356 | 2,342 | 2,318 | 2,285 | 2,258 | 2,228 | 2,215 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 |
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.
Just Pay-Per-Mile is the cheapest car insurance company in Arizona, with liability rates averaging $49 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 $91 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 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
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.
