Cheap Car Insurance for Senior Drivers in Arizona
Just Pay-Per-Mile has the most affordable car insurance for senior drivers in Arizona, with average liability coverage of $41 per month.
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4.7 / 517K reviews
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Written byEmily Guy Birken
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Emily Guy BirkenInsurance and Personal Finance Writer
Plutus Award winner
Over 12 years writing about insurance and personal finance
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
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Quick Facts
Senior drivers in Arizona pay an average of $76 per month for liability coverage and $136 per month for full coverage.
Just Pay-Per-Mile is the most affordable auto insurance company for senior drivers.
Arizona law requires drivers older than 65 to renew their licenses in person every five years and to have a mandatory vision exam as part of the renewal process.
Best car insurance companies for seniors in Arizona
Arizona has long been a retirement-friendly state, with a 2.5% income tax rate for all residents and tax-free Social Security benefits.[1] It’s not surprising, then, that nearly 21% of the state’s population is older than 65.
Senior drivers in Arizona can generally find affordable car insurance from many good insurers, and comparing quotes is the best way to find the coverage you need at the right price.
Auto-Owners: Best for affordability
| 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. | $49/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. | $84/mo |
4.3
Best choice in ArizonaBased on 362 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing recent national reviewsSee all 157 Auto-Owners reviews
Verified Review
Reviewed in Florida on September 7, 2026
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
Verified Review
Reviewed in North Carolina on August 1, 2026
Very easy to deal with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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
Older drivers looking for the cheapest rates may find them at Auto-Owners. Not only does this insurer have some of the lowest premiums for minimum coverage and full-coverage insurance for senior drivers, but it’s also among the cheapest insurers for drivers with a speeding ticket. Arizona seniors may also take advantage of the company’s many discounts, including a 20% good student discount if you have a teen driver, such as a grandchild, on your auto insurance policy.
Pros
Below-average number of customer complaints
Cheap Arizona car insurance at every coverage level
Local independent agents throughout Arizona
Cons
Online quotes not available
Poor Trustpilot score
Below-average J.D. Power customer satisfaction rating in the Southwest region
State Farm: Best for 24/7 customer support
| 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 |
4.1
Best choice in ArizonaBased on 20,966 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing 70 reviews from Arizona driversSee all 8,089 State Farm reviews
Verified Review
Reviewed in Arizona on September 7, 2026
First, I had to pick something above for claims, but I’ve never had a claim. Next, State Farm has raised rates so much it’s crazy. I drive under 100 miles a year, so no insurance is priced right for my habits. But I lease and need full insurance with high limits. I have an 850 FICO score, no claims in 20 years, and only one driver. I dropped State Farm for Progressive.
Verified Review
Reviewed in Arizona on September 7, 2026
I won’t refer a friend. I just received my six-month renewal, and my premium went up $100.
Verified Review
Reviewed in Arizona on September 1, 2026
Excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
Senior drivers need to know they can contact help when they need it, not just during bankers’ hours. With State Farm, you can access 24/7 claims support, payment assistance, and optional roadside assistance. This insurer also offers technical assistance if you need help accessing your account online, and it makes relay services available via 711 for hearing-impaired and non-verbal customers.
Pros
Local agents throughout Arizona
Above-average J.D. Power customer satisfaction rating in the Southwest region
Below-average number of customer complaints
Cons
Accident forgiveness not available
Poor Trustpilot score
Gap insurance available only with an auto loan through State Farm Bank
Progressive: Best for discounts
| 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. | $63/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. | $106/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing 75 reviews from Arizona driversSee all 9,056 Progressive reviews
Verified Review
Reviewed in Arizona on September 4, 2026
Be careful if you receive online statements only—they may increase your coverage at renewal time without follow-up emails, especially if you have autopay.
Verified Review
Reviewed in Arizona on August 29, 2026
I’ve been very happy with Progressive. I’m switching next year because it will cover me while I’m in Mexico.
Verified Review
Reviewed in Arizona on August 23, 2026
I no longer have Progressive. My policy was switched to Liberty Mutual, and I’m saving more.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.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
Progressive offers a number of discounts that can help senior drivers in Arizona save money. You can potentially save money by completing a defensive driving course, through loyalty, homeownership, and multi-policy discounts, and with Progressive’s Snapshot usage-based insurance program. Plus, Progressive’s accident forgiveness means the insurer won’t raise your rate for your first claim if it’s less than $500.
Pros
Many discounts available
Highly rated mobile app
Below-average number of customer complaints
Cons
Usage-based insurance can increase rates for high-risk drivers
Below-average J.D. Power claims satisfaction rating in the Southwest region
Vehicle safety features discount not available
How we chose the best car insurance companies for seniors in Arizona
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for senior drivers in Arizona. We also weighed rate affordability for senior drivers, coverage options, available senior-friendly and senior-specific discounts, customer satisfaction rankings, customer service reviews, and financial strength.
How much does car insurance for seniors cost in Arizona?
Arizona drivers in their 60s pay an average of $76 per month for liability coverage and $136 per month for full coverage. These rates are nearly 23% lower than the average rates Arizona drivers in their 30s pay, according to Insurify data.
Older drivers in their 60s and 70s typically pay the lowest rates on auto insurance policies. Seniors are less likely to be high-risk drivers, and older drivers also tend to have lower annual mileage.
But older drivers can also experience physical and cognitive changes that may affect their driving. To address this, Arizona requires drivers older than 65 to renew their licenses in person and undergo a mandatory vision exam as part of the renewal process every five years.[2]
Insurance rates in Arizona begin to increase for older drivers around age 70 because of higher accident risks. In 2024 (the latest year for which data is available), drivers older than 75 were responsible for 6.83% of all fatal accidents, 4.32% of accidents that caused injury, and 3.58% of property damage only accidents, according to the Arizona Department of Transportation.[3]
In the graph below, you can see how rates differ for Arizona senior drivers in their 60s, 70s, and 80s.
The below rates in Arizona are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Rates by Age Group
Insurance Company | Average Monthly Quote: 60s | Average Monthly Quote: 70s |
|---|---|---|
| Auto-Owners | $38 | $38 |
| Just Pay-Per-Mile | $41 | $43 |
| Mile Auto | $45 | $49 |
| State Farm | $46 | $45 |
| Progressive | $52 | $56 |
| USAA | $53 | $55 |
| Sun Coast | $53 | $56 |
| Novo Flex | $56 | $59 |
| Aspire General | $57 | $60 |
| Certainly | $57 | $61 |
| Mercury | $58 | $61 |
| Novo Next | $59 | $63 |
| The General | $62 | $65 |
| GEICO | $64 | $65 |
| Novo | $64 | $68 |
| Allstate | $68 | $72 |
| Just Unlimited | $68 | $72 |
| Direct Auto | $69 | $73 |
| Hiroad | $70 | $74 |
| National General | $70 | $74 |
| Safeco | $71 | $73 |
| Bristol West | $71 | $74 |
| AssuranceAmerica | $74 | $83 |
| Dairyland | $77 | $82 |
| Commonwealth Casualty | $78 | $87 |
| Trexis | $81 | $86 |
| Travelers | $82 | $85 |
| GAINSCO | $83 | $89 |
| Clearcover | $84 | $88 |
| The Hartford | $85 | $88 |
| Country Financial | $91 | $90 |
| Covercube | $92 | $98 |
| American Family | $92 | $91 |
| Mendota | $93 | $99 |
| Farmers | $95 | $96 |
| Insurify Car | $96 | $101 |
| First Acceptance | $97 | $103 |
| Liberty Mutual | $113 | $115 |
| Hugo | $116 | $123 |
| Root | $125 | $133 |
Car insurance discounts for senior drivers in Arizona
Insurance companies offer discounts that can help senior drivers keep their premiums affordable. While some car insurance discounts may be available to any policyholder, others may require you to meet eligibility requirements. Here are some of the senior-friendly discounts to check for:
Low-mileage discount: More than 1.25 million Arizonans are retired, according to the Social Security Administration. That means they’re probably not commuting anymore. Senior drivers putting low annual mileage on their vehicles can look into low-mileage discounts, which might include pay-per-mile or usage-based insurance.
Defensive driver discount: Under Arizona law, insurers may offer you a discount for voluntarily taking a defensive driving course. AARP offers online and in-person defensive driving courses geared toward older drivers.
Multi-policy discount: Up to 22% of Arizonans aged 25 to 34 live with their parents, according to an analysis by Pew Research. You can save money with a multi-policy discount by purchasing everyone’s policy from the same insurer.
Good student discount: If you’re among the reported 62,000-plus Arizona grandparents raising their grandchildren, the good student discount could help make adding your grandkid as a driver to your policy more affordable.
Compare Arizona Car Insurance Rates
Minimum-coverage rates for seniors start as low as $41/mo.
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How to get cheap car insurance for Arizona seniors
The simplest and easiest way for senior drivers to find cheap car insurance in Arizona is to compare quotes from multiple companies. Here are some additional strategies for finding affordable auto insurance quotes:
Take a defensive driving course. In addition to a potential discount, you’ll learn important strategies for safe driving that can help keep your driving record clean and your premiums low.
Switch to pay-per-mile coverage. If you’re among the 1.25 million retirees living in Arizona, choosing a pay-per-mile or usage-based insurance policy can help you take advantage of your lower annual mileage.
Consider more than the minimum coverage. Arizona’s minimum car insurance law requires you to carry only $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 per accident in property damage liability coverage.[4] But most experts recommend buying more than the minimum. While having high coverage limits will increase your premiums, it could save you a lot of money in the event of an accident.
Consider uninsured motorist coverage. Nearly 12% of drivers on Arizona roads are uninsured, according to the Insurance Research Council. Purchasing this coverage protects you in case of an accident with one of these uninsured drivers.
Expert’s insight
“Arizona requires insurers to include uninsured motorist coverage in every policy but allows drivers to reject it in writing. I always advise people to take this optional coverage, because it can help get you back on the road if someone without insurance causes an accident.”
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Donald BlumeLicensed Property & Casualty Insurance Agent
Car insurance rates for senior drivers in Arizona by city
Where you live in Arizona makes a difference in how much you pay for auto insurance. Phoenix and nearby Laveen are the two most expensive places in Arizona for senior auto insurance. The metro area that includes both of these cities had the third-highest population growth rate in the nation in 2025. That level of population growth affects the number of drivers on the road, which can increase insurance costs.
The cheapest city for car insurance is Lake Havasu City, which has less than 60,000 residents. More than 35% of those residents are older than age 65. Between the smaller population and the higher percentage of seniors — who are less likely to engage in risky driving behaviors — older drivers in Lake Havasu pay lower premiums, on average.
Check out the average monthly rates for seniors in Arizona cities in the table below.
The below rates in Arizona are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
City | Average Monthly Quote |
|---|---|
| Lake Havasu City | $73 |
| Sierra Vista | $74 |
| Cottonwood | $75 |
| Prescott | $79 |
| Kingman | $80 |
| Bullhead City | $81 |
| Flagstaff | $83 |
| Yuma | $84 |
| Douglas | $86 |
| Prescott Valley | $86 |
| Safford | $86 |
| Marana | $90 |
| Sahuarita | $91 |
| Sun City | $96 |
| Florence | $96 |
| Casa Grande | $101 |
| Tucson | $101 |
| Apache Junction | $102 |
| Chandler | $108 |
| Scottsdale | $111 |
| Mesa | $112 |
| Gilbert | $114 |
| Goodyear | $114 |
| Maricopa | $115 |
| San Tan Valley | $115 |
| Buckeye | $118 |
| Litchfield Park | $118 |
| Peoria | $121 |
| Surprise | $121 |
| Tempe | $121 |
| Queen Creek | $123 |
| Avondale | $126 |
| El Mirage | $131 |
| Tolleson | $136 |
| Glendale | $138 |
| Phoenix | $143 |
| Laveen | $145 |
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 for Arizona seniors FAQs
If you’re a senior driver looking for affordable auto insurance in Arizona, the answers to the following common questions can help.
What is the cheapest car insurance for seniors over 70 in Arizona?
Just Pay-Per-Mile has the lowest average car insurance rates for seniors over 60 in Arizona, at $41 per month, according to Insurify data. But every driver is different, so you should compare rates, discounts, and coverage options from multiple companies to find the cheapest insurer for your specific needs.
How much does an auto policy cost for seniors in Arizona?
Arizona seniors pay monthly averages of $76 for liability policies and $136 for full-coverage policies. But your rates depend on a number of factors, including your location, driving record, age, credit history, marital status, and other demographic information, as well as the level of coverage you choose.
What are the best car insurance companies in Arizona for senior drivers?
Auto-Owners, State Farm, and Progressive are among the best insurers in Arizona for senior drivers. But you should determine the best car insurance company for your needs by comparing coverage options, discounts, and rates.
Which car insurance companies offer the best discounts for seniors in Arizona?
A number of insurers offer discounts for seniors in Arizona. Progressive has a wide menu of discounts available to Arizona seniors, but other major insurers, like GEICO, Allstate, and Nationwide, also provide senior-friendly discounts.
Sources
- Arizona Department of Revenue. "Individual Income Tax Highlights."
- Insurance Institute for Highway Safety (IIHS). "License renewal procedures."
- Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2024."
- Arizona Department of Insurance & Financial Institutions. "Vehicle Insurance | Consumer Information."
Methodology
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:
- 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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Just Pay-Per-Mile offers the cheapest car insurance in Arizona, with an average monthly liability rate of $49. See real quotes from top Arizona insurers and buy online with help from our licensed agents.
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Emily Guy BirkenInsurance and Personal Finance Writer
Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in