Progressive offers the cheapest car insurance in Arizona, with an average premium of $1,531 per year, according to QuoteWizard’s analysis of the state’s auto insurance companies and rates.
State Farm and AAA are among the cheapest car insurance companies in Arizona, too, offering average annual rates of $2,162 and $2,216, respectively.
Keep reading to learn more about how to find cheap auto insurance in Arizona.
In this article
Cheapest car insurance in Arizona: Progressive
Progressive has the cheapest auto insurance rates in Arizona, at $128 per month, on average. This is for a policy that meets Arizona’s minimum car insurance requirements.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $1,531 | $128 |
| State Farm | $2,162 | $180 |
| AAA | $2,216 | $185 |
| GEICO | $2,255 | $188 |
| American Family | $3,282 | $273 |
| Allstate | $3,462 | $289 |
| Farmers | $4,222 | $352 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
State Farm is another option for Arizona drivers looking for cheap minimum-coverage car insurance, with an average monthly premium of $180. The same is true of AAA, which offers car insurance to its members through CSAA Insurance Group. AAA’s average premium in Arizona is $185 a month.
The average rate for state-minimum car insurance in Arizona is $228 a month.
Cheapest full-coverage car insurance in Arizona: Progressive
Progressive is the cheapest car insurance company in Arizona for a full-coverage policy, too, with an average premium of $147 a month.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $1,769 | $147 |
| State Farm | $2,508 | $209 |
| AAA | $2,616 | $218 |
| GEICO | $2,686 | $224 |
| American Family | $3,476 | $290 |
| Allstate | $3,841 | $320 |
| Farmers | $4,965 | $414 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Full-coverage car insurance generally includes liability, collision and comprehensive coverages. Arizona doesn’t require drivers to have full-coverage auto insurance, but your lender or lessor might require it if you finance or lease a vehicle. Even if you don't have a car loan or lease, you should consider getting full coverage if your vehicle is new or highly valued.
The average rate for full-coverage insurance in Arizona is $260 a month.
Cheapest car insurance for drivers with an accident history in Arizona: State Farm
State Farm is the cheapest car insurance company for Arizona drivers who have a history of accidents. The average premium it offers to those drivers is $251 a month.
Progressive also offers cheap car insurance to drivers in Arizona with an accident record. Its average premium in this case is $253 a month.
Cheapest auto insurance for drivers with an accident in Arizona
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $3,009 | $251 |
| Progressive | $3,037 | $253 |
| AAA | $4,092 | $341 |
| GEICO | $4,365 | $364 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Drivers with accidents on their records often pay more for car insurance because companies believe they’re likely to be involved in other accidents down the road.
Did your car insurance rates go up after an accident? See if you qualify for any discounts that could reduce what you pay for your policy.
Cheapest car insurance after a DUI in Arizona: Progressive
The cheapest car insurance company in Arizona for drivers with a DUI on their records is Progressive, which offers an average premium of $175 per month. State Farm also offers cheap car insurance to Arizona drivers after a DUI. Its average monthly premium is $230.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $2,105 | $175 |
| State Farm | $2,759 | $230 |
| AAA | $4,394 | $366 |
| American Family | $4,683 | $390 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A DUI is a serious infraction that can result in significant financial and other penalties. Some drivers see their auto insurance premiums double after a DUI conviction.
Cheapest car insurance for drivers with a speeding ticket in Arizona: Progressive
Progressive offers the cheapest car insurance to drivers with speeding tickets in Arizona, at $208 a month, on average. State Farm is another good option for cheap car insurance in this situation, with an average monthly premium of $230.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $2,496 | $208 |
| State Farm | $2,759 | $230 |
| AAA | $3,263 | $272 |
| GEICO | $3,291 | $274 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Speeding tickets typically stay on your record for three to five years, and they can impact what you pay for auto insurance that entire time. Still, you may be able to find cheaper coverage elsewhere if you shop around and compare quotes from several companies.
Compare quotes from top car insurance companies
Cheapest auto insurance for teen drivers in Arizona: AAA
AAA offers the cheapest car insurance to teen drivers in Arizona, with an average premium of $378 a month. GEICO is another good and cheap option for the state’s new, young drivers thanks to its average monthly premium of $433.
| Company | Annual | Monthly |
|---|---|---|
| AAA | $4,541 | $378 |
| GEICO | $5,198 | $433 |
| State Farm | $6,921 | $577 |
| Allstate | $7,394 | $616 |
| Progressive | $7,959 | $663 |
| American Family | $8,357 | $696 |
| Farmers | $9,420 | $785 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Teen drivers typically pay more for car insurance than older drivers because insurance companies see them as inexperienced and riskier to cover.
Want to get cheap teen car insurance? Besides comparing rates from multiple companies, like AAA and GEICO, try the following:
- Stay on your parents’ insurance policy.
- See if you qualify for discounts.
Cheapest full-coverage car insurance for teen drivers in Arizona: AAA
AAA is the cheapest insurance company for Arizona teens who want to buy full-coverage car insurance, too. Its average premium in this case is $461 a month.
| Company | Annual | Monthly |
|---|---|---|
| AAA | $5,530 | $461 |
| GEICO | $6,533 | $544 |
| State Farm | $8,121 | $677 |
| Allstate | $8,175 | $681 |
| American Family | $9,100 | $758 |
| Progressive | $9,383 | $782 |
| Farmers | $11,357 | $946 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers with an accident history in Arizona: AAA
AAA offers the cheapest car insurance rates to teen drivers in Arizona who have a history of accidents, with an average premium of $740 a month.
| Company | Annual | Monthly |
|---|---|---|
| AAA | $8,885 | $740 |
| Allstate | $9,647 | $804 |
| GEICO | $9,787 | $816 |
| State Farm | $9,836 | $820 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers with a DUI in Arizona: State Farm
State Farm offers the cheapest car insurance to teen drivers in Arizona after a DUI. Its average premium for these young drivers is $748 a month.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $8,978 | $748 |
| Progressive | $9,363 | $780 |
| AAA | $9,471 | $789 |
| Allstate | $10,215 | $851 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for teen drivers with a speeding ticket in Arizona: AAA
AAA has the cheapest car insurance rates in Arizona for teen drivers with a speeding ticket on their records, at an average monthly premium of $585.
| Company | Annual | Monthly |
|---|---|---|
| AAA | $7,016 | $585 |
| GEICO | $7,794 | $650 |
| State Farm | $8,978 | $748 |
| Allstate | $9,199 | $767 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors in Arizona: Progressive
Progressive is the cheapest car insurance company for 60-year-old drivers in Arizona, offering an average premium of $114 per month for a minimum-coverage policy. State Farm, AAA and American Family are also good sources for cheap car insurance in Arizona if you’re a senior or older driver.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $1,367 | $114 |
| State Farm | $2,015 | $168 |
| AAA | $2,026 | $169 |
| American Family | $2,046 | $171 |
| GEICO | $2,096 | $175 |
| Allstate | $3,188 | $266 |
| Farmers | $3,636 | $303 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
You might notice that Progressive’s average premium for a senior driver is lower than it is for a 35-year-old driver, which served as the standard driver profile for our study. This isn’t as unusual as it may seem, as car insurance companies usually reward older drivers for their wealth of driving experience with cheaper rates. Older drivers often drive less than younger drivers, too, and that also cuts their car insurance costs.
What you pay for car insurance as a senior is based on more than just your age and experience, though. It’s also based on your driving history, with incidents like speeding tickets, accidents and DUIs typically resulting in higher rates.
Cheapest full-coverage auto insurance for seniors in Arizona: Progressive
Progressive offers the cheapest full-coverage car insurance rates to Arizona seniors, too, at $132 a month, on average.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $1,585 | $132 |
| American Family | $2,176 | $181 |
| State Farm | $2,346 | $196 |
| AAA | $2,408 | $201 |
| GEICO | $2,492 | $208 |
| Allstate | $3,551 | $296 |
| Farmers | $4,319 | $360 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with an accident history in Arizona: State Farm
State Farm has the cheapest auto insurance for senior drivers in Arizona who have a history of accidents. The average premium it offers to these drivers is $235 a month.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $2,821 | $235 |
| Progressive | $2,877 | $240 |
| AAA | $3,785 | $315 |
| American Family | $3,869 | $322 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with a DUI in Arizona: Progressive
Progressive is the cheapest auto insurance company in Arizona for senior drivers with a DUI, at an average premium of $159 per month.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $1,912 | $159 |
| State Farm | $2,584 | $215 |
| American Family | $2,954 | $246 |
| AAA | $4,053 | $338 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors with a speeding ticket in Arizona: Progressive
If you want cheap car insurance in Arizona as a senior driver with a speeding ticket on your record, get a quote from Progressive. It offers an average rate of $192 a month.
| Company | Annual | Monthly |
|---|---|---|
| Progressive | $2,309 | $192 |
| State Farm | $2,584 | $215 |
| American Family | $2,954 | $246 |
| AAA | $3,015 | $251 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Get cheap car insurance in Arizona
Average cost of car insurance by Arizona city
Drivers who live in Surprise, Ariz., can expect to pay about $2,476 a year for car insurance. That’s $206 a month. Drivers in Phoenix pay around $2,964 a year, or $247 a month, for car insurance.
| City | Annual rate |
|---|---|
| Chandler | $2,590 |
| Gilbert | $2,552 |
| Glendale | $2,877 |
| Mesa | $2,592 |
| Peoria | $2,704 |
| Phoenix | $2,964 |
| Scottsdale | $2,563 |
| Surprise | $2,476 |
| Tempe | $2,673 |
| Tucson | $2,496 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much you pay for car insurance depends on several factors, including where you live. An area’s crime rate, traffic and accident frequency play a particularly important role.
The cities listed above are Arizona’s 10 largest by population. If you live in a smaller city or town that has less traffic and few accidents, it should be reflected in your monthly car insurance premium.
Arizona car insurance requirements
Arizona requires its drivers to have at least 25/50/15 car insurance. This means your policy must include these liability limits, at a minimum:
- $25,000 bodily injury liability for one person
- $50,000 bodily injury liability for two or more people
- $15,000 property damage liability
Although buying just a state-minimum car insurance policy may sound appealing — it is the cheapest option, after all — it isn’t always the best option. If your car is new or still worth a lot of money, buying collision and/or comprehensive car insurance coverage as well as liability coverage is a good idea. Otherwise, you’ll have to pay for vehicle repairs out of your own pocket.
SR-22 insurance in Arizona
You may need to file an SR-22 form with the Arizona Motor Vehicle Division after certain incidents or if you fail to maintain proper car insurance coverage.
Also, you’ll usually need to file an SR-22 form with the state for three years.
Frequently asked questions
What is the average cost of car insurance in Arizona?
The average cost of car insurancein Arizona is $228 a month. This is for a policy that meets the state’s minimum car insurance requirements.
The average cost of full-coverage car insurance in Arizona is $260 a month.
How can I get cheap car insurance near me in Arizona?
The best way to get cheap car insurance near you in Arizona is to compare quotes from several local car insurance companies. Keep in mind, though, that you may find cheaper car insurance if you search and shop around online.
What are Arizona’s car insurance laws?
Arizona’s auto insurance laws require drivers to buy at least 25/50/15 liability car insurance.
Methodology
QuoteWizard conducted a comprehensive study of Arizona car insurance rates using Quadrant Information Services. Unless otherwise stated, the quotes analyzed in this article are for a single, 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives it an average of 13,500 miles a year.
The teen driver in this article is 18 years old, but otherwise fits the same profile as the 35-year-driver above. The same is true of our senior driver, who is 60 years old.
Minimum-coverage car insurance rates highlighted in this study are based on a policy that meets Arizona’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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