Updated: November 14, 2024
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Mercury provides the cheapest average minimum coverage auto insurance in Arizona. However, depending on your driving profile, Root Insurance or Auto-Owners might offer better rates.
If you want a balance of price and service quality, MoneyGeek evaluated the best auto insurance companies in Arizona.
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Why Trust MoneyGeek? We gathered the latest data from Quadrant Information Services and the Arizona Department of Insurance to determine the cheapest auto insurance in Arizona for various driver profiles.
These rates reflect the cheapest car insurance quotes in Arizona as of October 2024.
The cheapest auto insurance companies offering minimum coverage policies in Arizona are:
The General is Arizona's most expensive auto insurance provider for minimum coverage, with an average yearly premium of $1,431. The company specializes in insuring high-risk drivers.
Property damage liability, bodily injury liability and uninsured/underinsured motorist are the only coverages included in an Arizona minimum coverage auto insurance policy.
| Mercury | $397 | $33 |
| State Farm | $561 | $47 |
| Progressive | $582 | $49 |
| Travelers | $592 | $49 |
| GEICO | $596 | $50 |
| Auto-Owners Insurance Co | $625 | $52 |
| Country Financial | $636 | $53 |
| Root Insurance Company | $649 | $54 |
| Allstate | $684 | $57 |
| Farmers | $685 | $57 |
| Iowa Farm Bureau | $723 | $60 |
| Hartford | $796 | $66 |
| Nationwide | $856 | $71 |
| CSAA | $1,173 | $98 |
| The General | $1,431 | $119 |
A minimum coverage policy covers only the cost of any harm or injury you cause to others. If you want more protection, consider comprehensive and collision coverages that financially safeguard you and your car.
Find the Best Car Insurance in Arizona for You
Your auto insurance premium will vary based on your preferences and coverage needs. You may want to assess how much car insurance you need.
The table above lists the lowest premiums for minimum coverage car insurance in Arizona.
We also evaluated Arizona's best car insurance providers based on cost and consumer service criteria.
If you're interested in understanding how costs change depending on specific factors, we looked at the typical cost of auto insurance in Arizona for different driver types.
These companies provide the lowest rates for full coverage auto insurance in Arizona:
The General offers Arizona's most expensive full coverage auto insurance at about $2,932 annually. Your annual rate may increase if you add comprehensive and collision insurance to your policy. You'll pay $298 more for full coverage than minimum coverage with the cheapest provider.
Full coverage auto insurance provides more financial protection if you need to make a claim. It covers losses from off-road incidents (e.g., theft, flooding and vandalism) and on-road collisions with another vehicle or object.
| Root Insurance Company | $947 | $79 |
| Travelers | $1,094 | $91 |
| Progressive | $1,154 | $96 |
| GEICO | $1,162 | $97 |
| State Farm | $1,204 | $100 |
| Auto-Owners Insurance Co | $1,251 | $104 |
| Farmers | $1,314 | $109 |
| Mercury | $1,344 | $112 |
| Hartford | $1,403 | $117 |
| Iowa Farm Bureau | $1,410 | $118 |
| Allstate | $1,414 | $118 |
| Nationwide | $1,556 | $130 |
| Country Financial | $1,754 | $146 |
| CSAA | $2,643 | $220 |
| The General | $2,932 | $244 |
The amount of auto insurance you need will impact your rates. MoneyGeek’s full coverage sample policy provides the following liability insurance limits:
You could reduce your insurance rates by lowering your liability limits, forgoing comprehensive and collision coverages or raising your deductible. However, you risk paying more in case of an accident or other disaster.
Many car insurance providers provide online quotes. However, you must input your information each time, and the process can take up to 15 minutes.
MoneyGeek provides an auto insurance calculator to assist you in getting a quick quote. Choose your age, driving history and gender from the options below to get started.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 20, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In Arizona, car insurance rates change significantly depending on your age and who else is on your policy. Travelers provides the cheapest rates on average for teens and seniors, while Root Insurance offers the most affordable rates for young adults.
The following companies provide the cheapest teen auto insurance in Arizona when added to a parent’s policy:
These premiums are for a 16-year-old insured under their parent's policy. Allstate is the most expensive company for most teen drivers, with an average cost of $3,692 for females and $5,098 for males.
As teens age, diminishing car insurance rates result in a significant difference between a 16-year-old's and a 19-year-old's premiums. Arizona's cheapest car insurance provider for male drivers aged 19 is Travelers at $1,409 annually.
Adding a teen to your policy is significantly less expensive than purchasing a separate insurance policy, and it's usually illegal for a teen under 18 to buy auto insurance without a parent or guardian as a co-signor. An individual policy for a 16-year-old male in Arizona can cost $5,905 per year instead of $3,011 if his parents add him to an existing policy — a $2,894 difference.
| Travelers | $1,652 | $3,033 |
| GEICO | $2,356 | $4,774 |
| Nationwide | $2,444 | $5,635 |
| State Farm | $2,554 | $3,489 |
| Auto-Owners Insurance Co | $2,568 | $2,638 |
| Farmers | $2,692 | $9,633 |
| Progressive | $2,694 | $7,712 |
| Allstate | $3,692 | $3,386 |
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens because of their higher accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Most insurance companies provide discounts to students who attend school away from home without a vehicle on campus and those with good grades. GEICO and Nationwide require exceptional academic achievement for their student discounts.
The following are the cheapest auto insurance providers for Arizonians in their 20s:
The General offers the priciest car insurance for young adults at $4,597 annually. In Arizona, drivers under 25 pay an additional $397 on average in annual auto insurance premiums compared with middle-aged drivers.
| Root Insurance Company | $949 | $79 |
| Travelers | $1,121 | $93 |
| Progressive | $1,464 | $122 |
| GEICO | $1,491 | $124 |
| State Farm | $1,531 | $128 |
| Farmers | $1,584 | $132 |
| Allstate | $1,620 | $135 |
| Iowa Farm Bureau | $1,675 | $140 |
| Auto-Owners Insurance Co | $1,711 | $143 |
| Nationwide | $1,889 | $157 |
| Hartford | $1,917 | $160 |
| Mercury | $1,987 | $166 |
| Country Financial | $2,006 | $167 |
| CSAA | $2,990 | $249 |
| The General | $4,597 | $383 |
The following insurance companies offer the lowest rates for senior drivers in Arizona:
The General charges seniors the most for car insurance, about $3,278 annually. The average annual increase in auto insurance premiums for drivers in Arizona over 60 is roughly $61.
| Travelers | $973 | $81 |
| Root Insurance Company | $1,017 | $85 |
| State Farm | $1,108 | $92 |
| Progressive | $1,123 | $94 |
| Auto-Owners Insurance Co | $1,203 | $100 |
| GEICO | $1,204 | $100 |
| Hartford | $1,238 | $103 |
| Farmers | $1,273 | $106 |
| Iowa Farm Bureau | $1,323 | $110 |
| Mercury | $1,334 | $111 |
| Country Financial | $1,338 | $111 |
| Nationwide | $1,394 | $116 |
| Allstate | $1,551 | $129 |
| CSAA | $2,304 | $192 |
| The General | $3,278 | $273 |
Seniors in Arizona can get discounts from GEICO, Farmers and Allstate. Comparing quotes from several companies is the best way to find affordable coverage since age is only one factor insurers consider when setting rates.
Root Insurance provides the lowest rates for drivers with tickets, at-fault accidents, DUIs or poor credit. Travelers is the cheapest for insuring sports cars.
Drivers in Arizona with a speeding ticket will find the cheapest full coverage insurance from the following providers:
The General has the costliest car insurance policy, at $3,816 annually. After receiving a speeding ticket in Arizona, you might have to spend an average of $437 more on auto insurance.
| Root Insurance Company | $1,166 | $97 |
| Auto-Owners Insurance Co | $1,251 | $104 |
| Travelers | $1,278 | $107 |
| State Farm | $1,359 | $113 |
| GEICO | $1,428 | $119 |
| Progressive | $1,560 | $130 |
| Farmers | $1,671 | $139 |
| Hartford | $1,795 | $150 |
| Iowa Farm Bureau | $1,824 | $152 |
| Nationwide | $1,879 | $157 |
| Country Financial | $2,134 | $178 |
| Mercury | $2,321 | $193 |
| Allstate | $2,391 | $199 |
| CSAA | $3,263 | $272 |
| The General | $3,816 | $318 |
The cheapest full coverage auto insurance providers for Arizona drivers with an at-fault accident on their record are:
Drivers with at-fault accidents pay the highest premiums from The General, which averages $4,501 annually. In Arizona, having an at-fault accident record could result in an $834 yearly rate increase.
| Root Insurance Company | $1,185 | $99 |
| Travelers | $1,347 | $112 |
| State Farm | $1,484 | $124 |
| Progressive | $1,811 | $151 |
| GEICO | $1,835 | $153 |
| Auto-Owners Insurance Co | $1,836 | $153 |
| Farmers | $2,068 | $172 |
| Hartford | $2,096 | $175 |
| Allstate | $2,200 | $183 |
| Country Financial | $2,257 | $188 |
| Iowa Farm Bureau | $2,466 | $205 |
| Nationwide | $2,802 | $233 |
| Mercury | $3,150 | $262 |
| CSAA | $4,058 | $338 |
| The General | $4,501 | $375 |
Accident forgiveness stops your auto insurance rate from increasing after your first at-fault accident. It is available on auto policies from multiple insurers for an additional cost, while others, like GEICO, give it to you at no cost for having a clean driving record. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
The cheapest selections for full coverage auto insurance in Arizona, if you have a DUI on your record, are:
CSAA provides the most expensive car insurance for drivers with DUIs, costing about $4,325 a year. In Arizona, a DUI typically results in a $938 increase in annual rates.
| Root Insurance Company | $1,049 | $87 |
| Progressive | $1,330 | $111 |
| State Farm | $1,359 | $113 |
| Travelers | $1,400 | $117 |
| Farmers | $1,841 | $153 |
| Hartford | $2,037 | $170 |
| Mercury | $2,137 | $178 |
| Country Financial | $2,344 | $195 |
| Auto-Owners Insurance Co | $2,421 | $202 |
| Allstate | $2,673 | $223 |
| GEICO | $2,710 | $226 |
| Iowa Farm Bureau | $3,317 | $276 |
| Nationwide | $3,563 | $297 |
| The General | $4,143 | $345 |
| CSAA | $4,325 | $360 |
Arizona's cheapest auto insurance providers for people with bad credit are:
CSAA costs $21,965 yearly for auto insurance, which is more expensive than any other insurer if you have bad credit.
When insurers determine your rate, your credit score plays a significant role. If your credit score is less than 580, you may have to pay about $2,375 more for auto insurance in Arizona than someone with a credit score of at least 750.
| Root Insurance Company | $1,206 | $101 |
| Travelers | $1,319 | $110 |
| GEICO | $1,849 | $154 |
| Progressive | $1,900 | $158 |
| Nationwide | $1,974 | $164 |
| Mercury | $2,040 | $170 |
| Farmers | $2,057 | $171 |
| Country Financial | $2,210 | $184 |
| Allstate | $2,429 | $202 |
| Iowa Farm Bureau | $2,548 | $212 |
| Hartford | $2,551 | $213 |
| Auto-Owners Insurance Co | $3,682 | $307 |
| The General | $4,318 | $360 |
| State Farm | $6,164 | $514 |
| CSAA | $21,965 | $1,830 |
Drivers with poor credit histories are more likely to file claims. Like other states, Arizona permits companies to check your credit history when determining rates.
You can decrease your insurance costs over time by improving your credit score, but you can also look for insurers that give safe driver or other discounts.
The following auto insurance companies in Arizona offer the lowest rates to sports car drivers:
The General offers the most expensive auto insurance for sports car drivers, with an estimated yearly premium of $3,907.
Sports car insurance is typically more costly than a policy for a conventional car because these vehicles have higher maintenance and replacement rates. Arizona sports car drivers pay an extra $149 in auto insurance premiums compared with a Toyota Camry LE.
| Travelers | $944 | $79 |
| Farmers | $1,190 | $99 |
| Auto-Owners Insurance Co | $1,249 | $104 |
| GEICO | $1,318 | $110 |
| State Farm | $1,462 | $122 |
| Progressive | $1,466 | $122 |
| Allstate | $1,659 | $138 |
| Nationwide | $1,700 | $142 |
| The General | $3,907 | $326 |
Your car model can significantly impact auto costs. For the above quotes, MoneyGeek used a Ford Mustang. Sports, luxury and electric cars often cost more to insure than other vehicle types.
In Arizona, Root Insurance offers the cheapest full coverage insurance policy for active-duty military officers or those with a military background, with an average annual premium of $947. It also provides discounts to active and retired military members and those in the Reserves or National Guard.
USAA also offers affordable auto insurance packages for military families, starting at $1,073 annually.
The city and ZIP code where you live affect Arizona's auto insurance prices. Drivers who reside in areas where vandalism, theft and collisions occur more frequently are more likely to make insurance claims and pay higher premiums.
The city with the cheapest auto insurance in Arizona is Tucson, where Travelers offers a policy for $1,216 a year. Travelers is the most affordable choice in Glendale, where a full coverage policy is about $1,467.
See the list of Arizona cities below for a location-specific comparison of the typical auto insurance costs:
Arizona drivers must have liability coverage if they cause an accident and/or property damage or injury to others.
To drive legally in Arizona, you only need to buy the minimum required insurance. Note that a minimum coverage policy will provide less financial security in an accident. MoneyGeek advises buying as much liability coverage as possible for increased security.
If you're charged with a major traffic violation, such as operating a vehicle while your license is revoked or a DUI/DWI, your insurance company must submit an SR-22 form to the Arizona Department of Transportation.
Bodily injury liability
In Arizona, the minimum insurance requirements are $25,000 for a single person injured or killed in an accident.
Property damage liability
Arizona mandates that drivers carry $15,000 in property damage liability coverage for each accident.
Compensation in the event of an accident
One of three options may be available to you if a car accident causes you harm or damages your car in Arizona:
MoneyGeek suggests purchasing liability insurance with minimum limits of $100,000 per injury and $300,000 per accident and raising property damage coverage to $100,000 for better financial protection.
If you financed the purchase of your car or are leasing it, you might need to purchase comprehensive and collision insurance. Comprehensive insurance will pay for the necessary repairs or replacements if your vehicle is damaged off-road by theft or vandalism. Collision insurance pays to repair or replace your car if another car, pole or tree damages it.
The Arizona Automobile Insurance Plan offers auto insurance to high-risk drivers who cannot purchase it on the open market.
A certificate of self-insurance is another way to meet Arizona's standards for auto insurance. The application must be notarized and include the following:
Finding the right car insurance can be challenging with so many insurers to consider. Our answers to frequently asked questions about car insurance in Arizona can help.
Mercury offers the cheapest minimum coverage auto insurance in Arizona. The average cost of car insurance in Arizona for a minimum coverage policy is $1,492 annually or $124 monthly.
If cost is your top priority, Mercury's minimum coverage policy is the cheapest auto insurance in Arizona. However, minimum coverage offers limited protection, and you might need to cover repair or medical expenses out of pocket after an accident. For a balance between price and service, consider Auto-Owners, the best car insurance in Arizona.
Uninsured/underinsured motorist (UM/UIM) coverage is mandatory for all Arizona drivers. The minimums are $25,000 per person and $50,000 per accident for bodily injury. UM/UIM coverage helps if you’re hit by someone without insurance or insufficient coverage to pay for your medical and repair costs. It also covers hit-and-run accidents. The Insurance Information Institute reports that 11.8% of drivers in Arizona are uninsured.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
