Compare the Cheapest Car Insurance in Arizona (2021)

The average Arizona driver spends $152 a month on auto insurance.

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Finding Cheap Auto Insurance in Arizona

To find the most affordable auto insurance in Arizona, you’ll need to compare rates from multiple companies. We compiled and analyzed rates from the 10 largest providers in the Grand Canyon State. Here's what we found:

Most affordable car insurance in Arizona
Cheapest for minimum coverage Progressive
Cheapest for full coverage Progressive
Cheapest for young drivers CSAA
Cheapest for bad drivers Progressive

Here's what you need to know about driving in Arizona:

Cheapest car insurance companies in Arizona

The three cheapest car insurance companies in Arizona are Progressive, State Farm and CSAA. Progressive customers pay half as much for a minimum-coverage policy compared to the average Arizona driver.

However, if you're a qualified military member, we strongly suggest you obtain a quote from USAA, which has the cheapest rate out of the 10 biggest companies in Arizona.

Cheapest state-minimum car insurance in Arizona
Company Average monthly rate
Progressive $87
State Farm $111
CSAA $112
GEICO $129
Allstate $147
Arizona average $152
Travelers $154
American Family $236
Farmers $237
Trumbull $250
USAA $56
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Choosing a minimum-coverage policy is inexpensive in the short-term, but it may not pay off in the long run. A minimum liability policy will not cover you for damage your car sustains in an at-fault accident. So if you end up in a scenario where your car is severely damaged, you'll have to pay the full costs of repair out of pocket.

Compare Auto Insurance Rates

Shopping at multiple companies is the best way to save money on car insurance.

Cheapest full-coverage car insurance in Arizona

Arizona drivers purchasing a full-coverage policy can find the most affordable deal with Progressive, which charges $146 per month. Alternative companies worth checking out are CSAA and State Farm, which also offer cheap rates.

If you are a former or current military member, gather rates from USAA as well. The company not only has cheap rates, but also offers services specifically tailored to veterans and their family members.

Cheapest full-coverage car insurance in Arizona
Company Average monthly rate
Progressive $146
CSAA $205
State Farm $209
GEICO $221
Arizona average $265
Travelers $288
American Family $316
Allstate $318
Farmers $410
Trumbull $416
USAA $119
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A full-coverage policy is nearly twice as expensive as a minimum liability policy. A full-coverage policy offers unique protections not provided by a minimum-coverage plan.

Namely, you'll get comprehensive and collision coverages:

  1. Comprehensive coverage reimburses you for property and vehicle damage caused by "acts of God" or events out of your control, including natural disasters and theft.
  2. Collision coverage protects you if you collide or crash into another car or stationary object. This is the most common way your car gets damaged.

Cheapest car insurance for young drivers in Arizona

Inexperienced and young drivers face the challenge of finding affordable auto insurance rates, often on a limited budget. Age is one of the biggest factors used to determine insurance rates, and young drivers have the most expensive quotes out of any age group.

The best low-cost insurance company varies according to your age, so it's important to compare rates from multiple companies before selecting an insurer.

 

 
 
 

 

How to save money on car insurance:

  1. Discounts. Major insurance companies like GEICO and American Family offer several discounts you may already qualify for. Earning good grades, volunteering in your community or completing a defensive driving course are just a few discounts you can take advantage of.
  2. Join a parent’s policy. Combining a policy with an older family member can save you hundreds of dollars on your annual car insurance premium. On average, teen drivers can save up to $99 a month if they sign onto their parents' policy, versus buying an entirely separate plan.

Cheapest car insurance for bad drivers in Arizona

Cheapest car insurance for drivers after an accident

Companies use your driving history as an indicator of how risky you are to insure. Having even one accident on your record can increase your premium, sometimes by hundreds of dollars per month.

Our analysis showed that State Farm, USAA and Travelers increased premiums the least following an accident. However, Travelers is mid-tier when it comes to prices.

Cheapest car insurance after an accident
Company Monthly rate before accident Monthly rate after accident Difference
Progressive $146 $247 $101
State Farm $209 $250 $41
CSAA $205 $320 $115
GEICO $221 $345 $124
Travelers $288 $374 $86
Allstate $318 $476 $158
American Family $316 $552 $236
Farmers $410 $570 $160
Trumbull $416 $619 $203
USAA $119 $174 $55
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car accidents stay on your record for three to five years, so the best thing you can do to return your rates to normal is to wait. If saving money is an absolute must for you, we recommend looking into other ways of saving on insurance, like discounts.

Cheapest car insurance for drivers with a DUI

Having a DUI on your record will likely increase your premium. However, depending on your insurance company, this hike might not be significant. For example, Progressive increased its monthly premium by an average $27 after a DUI charge, while Allstate increased quotes by $182, on average.

In addition to higher rates, you might also have to file an SR-22 to prove that you meet Arizona’s liability coverage requirements.

Cheapest car insurance after a DUI
Company Monthly rate before DUI Monthly rate after DUI Difference
Progressive $146 $173 $27
State Farm $209 $230 $21
CSAA $205 $344 $139
GEICO $221 $395 $174
Travelers $288 $418 $130
American Family $316 $426 $110
Allstate $318 $500 $182
Farmers $410 $549 $139
Trumbull $416 $612 $196
USAA $119 $281 $162
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a speeding ticket

Insurers consider speeding tickets when calculating your premium because it is part of your driving history and indicates unsafe driving habits. As a result, your premium often increases after you receive a ticket.

While not considered as severe as a DUI or accident, it's important to compare rates from multiple companies if you get a speeding ticket. The severity of the price increase depends on the insurer. Some charge an additional $20 to $50 per month, while others raise rates by as much as $158.

Cheapest car insurance after a speeding ticket
Company Monthly rate before accident Monthly rate after accident Difference
Progressive $146 $199 $53
State Farm $209 $230 $21
CSAA $205 $256 $51
GEICO $221 $270 $49
Travelers $288 $352 $64
American Family $316 $426 $110
Allstate $318 $455 $137
Trumbull $416 $529 $113
Farmers $410 $568 $158
USAA $119 $153 $34
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Speeding tickets remain on your record for approximately three years, so if you want them off before then, here's what you can do:

  • Fight the ticket in court. This is especially recommended for your first ticket, which has a huge impact on your driving record and insurance rates.
  • Enroll in a safe or defensive driving course. Certain states drop or reduce points if you complete this type of course. But even if your state isn't one of them, finishing one of these courses can potentially result in discounts or savings on your premium.

Best car insurance companies in Arizona, according to customers

While price is an important factor to consider when shopping for car insurance, it's equally important to value a company's service. Paying affordable rates might come at the cost of claims satisfaction and service. If you file a claim, you don’t want it to be processed slowly, or to be kept in the dark about its progress.

To get an idea of how companies treat their customers, we looked at reviews from current customers, as well as studies by the National Association of Insurance Commissioners (NAIC) and J.D. Power.

Company J.D. Power 2021 U.S. Auto Insurance Satisfaction Study NAIC Complaint Index (2020)
Farmers 802 0.11
CSAA N/A 0.5
American Family N/A 0.63
Allstate 822 0.63
State Farm 847 0.7
Travelers N/A 0.87
USAA 863 0.98
Trumbull N/A 1.1
Progressive 835 1.33
GEICO 829 1.33
Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0.

Average car insurance rates in Arizona by city

Each city in Arizona has varying population densities, crime rates and accident frequencies — all of which can affect your insurance premium. For instance, residents of Phoenix, the largest city in Arizona, pay $33 more per month than drivers in Surprise, Ariz.

Cost of car insurance in Arizona by city
City Average monthly rate
Chandler $148
Gilbert $147
Glendale $165
Mesa $151
Peoria $152
Phoenix $172
Scottsdale $148
Surprise $139
Tempe $154
Tucson $139
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance requirements in Arizona

In order to legally drive in Arizona, you need to meet the following auto insurance minimums:

Coverage Limits
Bodily injury liability (BIL) $25,000 per person/$50,000 per accident
Property damage liability (PDL) $15,000 per accident

Driving without car insurance in Arizona can be costly. If you’re caught driving without insurance or some other proof of financial responsibility, the penalties may include:

  • Tickets or fines between $500 and $1,000.
  • Suspended vehicle registration and driver’s license.
  • Impounded vehicle.
  • Lawsuit.
  • Higher car insurance premium.

SR-22 requirements

States require high-risk drivers to file an SR-22 form with an insurance company to prove you have the minimum car insurance coverage. The most common reasons you need an SR-22 include DUI, operating a vehicle without insurance or getting too many tickets in a short amount of time.

Arizona Department of Transportation requires certain drivers to keep an SR-22 on file for at least three years, but if your insurance lapses or your policy is cancelled, you will need to refile the SR-22. After completing the requirements, contact your insurance company to remove the SR-22.

Methodology

QuoteWizard used rates provided by Quadrant Information Services to conduct a study of car insurance in Arizona. Our sample driver is a 30-year-old male driving a 2012 Honda Accord LX an average 13,500 miles per year. When discussing a minimum-coverage policy, our driver sought a policy meeting the bare-minimum state car insurance requirements.

Full-coverage policies used the following limits:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000
  • Collision and comprehensive deductibles: $500

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