Cheap Car Insurance for Low-Income Drivers in Arizona

What is low-income car insurance in Arizona?

Low-income car insurance in Arizona isn’t a special insurance policy. Arizona doesn’t offer a state-sponsored program for low-income drivers. But Arizona drivers can save money by choosing the right coverage level, maintaining a clean driving record, and taking advantage of available discounts.

Minimum liability coverage meets Arizona’s legal insurance requirements, while a full-coverage policy typically adds collision coverage and comprehensive coverage to protect your own vehicle. Comparing quotes from multiple insurance companies is one of the best ways to save money.

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Cheapest car insurance in Arizona

The cheapest liability car insurance in Arizona comes from Just Pay-Per-Mile, with an average rate of $49 per month.

The statewide average liability-only premium is $91 per month, which is lower than the national average of $98 per month.

Average car insurance costs in Arizona vary widely depending on where you live. Drivers in Mesa and Phoenix often pay more due to heavier traffic congestion, a higher risk of vehicle theft, and higher accident rates.^[1] Rural communities might find it easier to get cheap car insurance in Arizona thanks to lighter traffic and fewer claims.

Arizona’s relatively dry climate helps reduce weather-related claims compared to many states, although flash flooding during the summer monsoon season and dust storms still contribute to insurance losses.

The following table shows the cheapest average liability insurance premiums from car insurance companies in Arizona.

The below rates in Arizona are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
Auto-Owners	$49
Just Pay-Per-Mile	$49
Mile Auto	$59
State Farm	$60
Progressive	$63
Sun Coast	$64
Novo Flex	$67
USAA	$67
Aspire General	$68
Certainly	$69
Novo Next	$71
The General	$74
Mercury	$75
Novo	$77
Allstate	$82
GEICO	$82
Just Unlimited	$82
Safeco	$83
Hiroad	$84
Direct Auto	$86
Bristol West	$87
National General	$91
Dairyland	$93
AssuranceAmerica	$97
Clearcover	$97
Trexis	$97
Commonwealth Casualty	$98
GAINSCO	$99
Travelers	$104
Covercube	$111
Mendota	$112
Insurify Car	$115
Country Financial	$117
First Acceptance	$117
American Family	$118
The Hartford	$121
Farmers	$122
Root	$138
Liberty Mutual	$139
Hugo	$140

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 car insurance for drivers with poor credit in Arizona

In Arizona, insurers can generally consider your credit-based insurance score when calculating premiums.^[2] Drivers with a poor credit history pay more for coverage on average because insurers associate lower credit scores with a greater likelihood of filing claims. By contrast, drivers with good credit frequently qualify for lower rates and additional discounts.

Not every state allows insurers to use credit information when pricing auto insurance, but Arizona currently permits the practice. Improving your credit over time can help reduce your insurance costs, especially when combined with comparison shopping.

Below, you can compare average liability quotes for Arizona drivers with a poor credit history.

The below rates in Arizona are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Poor Credit
Just Pay-Per-Mile	$61
Mile Auto	$73
Auto-Owners	$74
Progressive	$79
Sun Coast	$80
USAA	$83
Novo Flex	$84
Aspire General	$85
Certainly	$86
State Farm	$87
Novo Next	$89
Mercury	$92
The General	$92
Novo	$96
GEICO	$102
Allstate	$103
Just Unlimited	$103
Safeco	$103
Hiroad	$105
Direct Auto	$107
Bristol West	$108
National General	$113
Dairyland	$116
AssuranceAmerica	$120
Clearcover	$120
Trexis	$121
Commonwealth Casualty	$122
GAINSCO	$123
Travelers	$123
Covercube	$139
Mendota	$140
Country Financial	$142
American Family	$143
Insurify Car	$144
First Acceptance	$146
Farmers	$152
The Hartford	$155
Liberty Mutual	$166
Root	$171
Hugo	$175

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.

Car insurance options for low-income drivers in Arizona

The best strategy for finding affordable coverage in Arizona is to compare quotes from multiple insurers, purchase only the coverage you need, and ask about every available discount. The state doesn’t have a dedicated low-income insurance program, but it has an assigned risk program: the Arizona Automobile Insurance Plan (AAIP).

Managed through the Western Association of Automobile Insurance Plans, AAIP helps drivers who can’t obtain coverage in the voluntary market because of violations on their driving record, an SR-22 requirement, or other high-risk factors. Assigned-risk policies generally provide only Arizona’s required minimum coverage and typically cost more than standard coverage.^[3]

High-risk drivers with spotty insurance histories may also consider non-standard insurers such as The General, Direct Auto, and Acceptance Insurance. These insurers specialize in coverage for drivers with a poor credit history, a past driving under the influence (DUI) conviction, prior lapses in coverage, and more.

Premiums may be higher, but these insurers often offer flexible payment plans that can make coverage more manageable for households on tight budgets.

Minimum car insurance requirements in Arizona

Arizona law requires every registered vehicle to have a minimum amount of the following coverages:^[4]

• Bodily injury liability: If you cause an accident, bodily injury liability can pay for the medical expenses and legal costs for one or more injured people.

• Property damage liability: This coverage pays for damage you cause to another person’s vehicle or property.

Arizona insurers must also offer uninsured and underinsured motorist (UM/UIM) coverage, although drivers may decline it in writing.

Choosing the state minimum coverage can substantially reduce your monthly premium, making it attractive for budget-conscious drivers, but the damages you cause another driver can quickly exceed the state’s minimum requirements.

Liability-only insurance also won’t protect your vehicle at all in the event of a collision, severe weather damage, or vehicle theft. For example, drivers in Arizona’s Maricopa County, which Insurify data shows ranks No. 9 in vehicle theft by U.S. county, should consider buying a full-coverage policy.

Here are the minimum coverage requirements in Arizona:

Coverage	Minimum Requirement	What It Covers
Bodily injury liability	$25,000 per person/$50,000 per accident	Medical expenses and legal costs if you injure another driver or their passengers
Property damage liability	$25,000 per accident	Damage to another person’s vehicle or property

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What affects car insurance rates in Arizona?

Several Arizona-specific factors affect car insurance costs in the state.

Heavy traffic in metropolitan Phoenix contributes to more collisions than many rural parts of the state. As one of the nation’s fastest-growing metro areas, the region faces increased congestion, which means insurers often pay more claims, resulting in higher premiums for urban drivers.

Arizona’s weather also plays a role. Although the state doesn’t experience hurricanes or long winters, summer monsoon storms bring heavy rain, flash flooding, hail, and dust storms known as haboobs. These events increase comprehensive coverage claims for flood damage, falling debris, cracked windshields, and reduced-visibility crashes.

Vehicle theft is another pricing factor, particularly in larger cities. Higher theft rates lead insurers to pay more comprehensive claims, which can increase premiums for affected cities, including ZIP codes in Phoenix and Mesa.

About 12% of drivers are uninsured in Arizona, according to the Insurance Research Council. Uninsured drivers who lack adequate insurance increase costs for everyone else, making the optional UM/UIM coverage worth considering. People who maintain good credit, avoid accidents and tickets, choose a higher deductible, and shop around regularly often qualify for the lowest available rates.

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