The best cheap car insurance in Arizona

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Arizona drivers typically pay about $890 per year in car insurance premiums.
GEICO offers Arizona drivers the lowest premiums at every credit level.
To find the right coverage for you, get quotes from several different insurance companies and compare them.
Check out our partner Savvy – a free tool that lets you compare car insurance quotes in minutes »

Car insurance rates in Arizona average $890 per year, less than the US national average of $935, according to the Insurance Information Institute.

Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you’ll pay for coverage.

That said, it’s important to shop around when you’re looking for the best cheap car insurance in Arizona – you could be missing out on a much better policy from one company if you don’t get multiple quotes.

Minimum car liability insurance requirements in Arizona

Liability coverage is required by law. If you’re involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and its passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage.

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage, to protect you when an at-fault driver hits you and they have no coverage, or not enough coverage.

Arizona requires bodily and property coverage, according to the Insurance Information Institute. Arizona’s minimum liability requirements are 15/30/10, which means up to $15,000 of injury protection for each person involved in an accident, up to $30,000 worth of injuries per incident, and up to $10,000 of property damages per incident.

Types of liability coverageDefinitionBodily injury (BI)Injury you cause to others, includes medical expenses, lost wages, and funeral expensesProperty damage (PD)Damage you cause to others’ vehicle or propertyUninsured motorist (UM)Protects you when an at-fault driver hits you with no insuranceUnderinsured motorist (UIM)Protects you when an at-fault driver hits you with not enough coverage

The best cheap car insurance in Arizona based on credit score

While everyone’s rates will vary based on a variety of factors, there are a few companies that offer lower rates than others for Arizona residents. Consumer Reports compiled every car insurance company’s pricing formulas for each state, and found that in Arizona, GEICO has the best rates for drivers at every credit level.

Excellent credit (FICO 800+)Good credit (FICO 670-739)Poor credit (300-579)GEICO: $653 per yearUSAA: $963 per yearFarmers: $973 per yearGEICO: $769 per yearUSAA: $1,114 per yearFarmers: $1,219 per yearGEICO: $1,130 per yearAmerican Family: $2,036 per yearState Farm: $2,314 per year

The best car insurance for drivers with a clean record

For a driver in Arizona age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium Root$105Bristol West$112State Farm$129Esurance$150GEICO$152Progressive$155Liberty Mutual$160USAA*$180Travelers$185Allstate$199Farmers$200American Family$211

*USAA is only available to military, veterans, and their family members

Above data obtained from Savvy, based on 2,405 policyholders in the state of Arizona

Best car insurance for one or more accidents on record

For a driver in Arizona age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium Bristol West$128Esurance$154GEICO$162Progressive$166Allstate$214Farmers$294

Above data obtained from Savvy, based on 2,405 policyholders in the state of Arizona

Average premiums for seniors and teen drivers in Arizona

The table below shows the average senior and teen drivers can expect to pay in Arizona. Because teen drivers are new drivers with little driving history and more prone to accidents, their rates are high. Most insurance companies offer discounts to teen drivers for good grades or taking driving safety classes.

Senior drivers typically see an uptick in car insurance premiums as they age, but not as much of an increase as new or teen drivers. If you’re still driving in your 60s and 70s, there are ways to negotiate cheaper auto insurance rates, like pay-per-mile usage.

Average premium for seniors Average premium for teens$1,674 per year$3,688 per year

Data provided by Goosehead Insurance

The best car insurance in Arizona based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southwest region (which includes Arizona):

American Family & GEICO (tie)AllstateThe HartfordRegion AverageState FarmFarmersLiberty MutualSafecoCSAA InsuranceTravelersProgressiveNationwide

Arizona car insurance rates by metro area

Below is the estimated average annual premium of auto insurance policies per household in Arizona’s metro areas:

CityAverage annual insurance premium Phoenix$1,320Tucson$1,198Mesa$1,316Chandler$1,466Gilbert$1,531Scottsdale$1,444Glendale$1,289Peoria$1,414Tempe$1,293Surprise$1,372Yuma$1,282San Tan Valley$1,386Avondale$1,360Goodyear$1,447Flagstaff$1,286Buckeye$1,380Casas Adobes$1,308Casa Grande$1,241Lake Havasu$1,237Maricopa$1,408Catalina Foothills$1,407Marana$1,442Oro Valley$1,402Prescott$1,274Prescott Valley$1,277Sierra Vista$1,240Queen Creek$1,566Bullhead$1,181Sun City$1,135Apache Junction$1,163El Mirage$1,345Sahuarita$1,407Kingman$1,235Drexel Heights$1,279Fortuna Foothills$1,255Florence$1,246San Luis$1,223Anthem$1,547Fountain Hills$1,428Sun City West$1,185

The most popular car insurance companies in Arizona based on market share

The following are the most popular car insurance companies in Arizona, based on the percentage of insured Arizona drivers who use them:

CompanyMarket share (%)GEICO16.19State Farm14.84Progressive13.22USAA*8.16Allstate7.62Farmers7.50American Family5.70Liberty Mutual5.23The Hartford1.98CSAA Insurance1.89Travelers1.62Kemper1.03Western National Insurance0.91Nationwide0.88MetLife0.86Sentry0.84Auto-Owners Insurance0.81Safeway0.69Farm Bureau0.64United Insurance Co.0.61

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

Who gets the best car insurance rates in Arizona?

Car insurance companies use many factors to determine the premium a particular driver will pay. Things like where in Arizona you live, your age, and your credit score can all have an impact. Generally, those who get the best auto insurance rates in Arizona are those who have the best driving records, the best credit scores, and live in lesser-populated areas.

To get ready to shop, it might be worth doing some work to raise your credit score.

While shopping, get quotes from several insurance companies and compare them. You’ll want to look at more than just the premium – also consider the coverage types and liability limits, and things like the deductible, which you’ll be responsible for paying if you get into an accident.

The best policy is usually the one that gives you the most coverage for your money. And, the person who gets the best car insurance policy is going to be the one who shops around.

Related Content Module: Best Auto Insurance by State

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