Cheapest Car Insurance in Arizona

Mercury offers the most affordable car insurance in Arizona, with an average monthly cost of just $33 and an annual rate of $397 for minimum coverage. This rate is $335 lower than the state annual average. These figures are based on data from Quadrant Information Services and represent the cheapest rates in Arizona as of December 2024. To understand how we determined these numbers, Read our research methodology.

Root Insurance Company is the cheapest car insurance company for many drivers, with an average monthly cost of $66 across both minimum and full coverage. This rate is lower than the state average. Other affordable options include Travelers, Progressive, Mercury and GEICO.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Mercury provides the most affordable car insurance for both state minimum and full coverage for many drivers in the Grand Canyon State. However, your rate depends on your personal background. Below, we highlight the cheapest rates for several major driving profiles.

Read More: Cheapest Car Insurance

Mercury offers the cheapest rate for cheap minimum liability coverage in Arizona, with State Farm, Progressive and Travelers also providing affordable options. Use the table below to explore rates from similar companies and see how they compare to the average monthly state premium of $61.

Root Insurance Company is the cheapest provider for full coverage auto insurance in Arizona, with rates averaging $79 per month or $947 per year. This offers a more affordable option compared to the state's average cost. Check the table below for other provider options.

In Arizona, Mercury offers the most affordable rates for young adult drivers fare. A minimum coverage policy with Mercury costs just $48 per month on average for 25-year-olds.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in the Grand Canyon State, Mercury offers the cheapest minimum coverage at $48 per month. Root Insurance and Travelers also provide affordable options for various needs. Remember, rates can vary based on your driving record and other factors. Use the companies listed here as a starting point to find the best rates for your situation.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Arizona can find affordable rates with Mercury. The average policy costs $35 monthly for 65-year-olds seeking minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Mercury and State Farm often offer the most affordable rates for senior drivers with different needs in Arizona. However, your quote may vary. Use the rates in the table below to guide your car insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Arizona drivers with a DUI, at-fault accident or speeding ticket are considered high-risk by insurers, leading to higher car insurance costs compared to those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with these violations.

Mercury offers the best rates for Arizona drivers with DUIs, averaging $53 per month ($639 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Arizona.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $57 per month ($684 per year), Travelers is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents on their records. Rates are for a minimum coverage policy.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Auto-Owners offers the cheapest insurance for Arizona drivers with speeding tickets, averaging $52 per month. See the table below to compare providers offering minimum coverage for drivers with speeding tickets.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Auto-Owners is the cheapest car insurance provider for drivers with poor credit, offering rates of $52 monthly and $625 annually for minimum coverage. Explore the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your car insurance rates are heavily influenced by where you live. Cities within the same state can have different rates due to population, natural risks and crime.

For instance, Mercury offers a state minimum policy at $36 per month in Chandler, while the same policy costs $32 in Tucson. Explore the table below to find your city, the most affordable provider and its lowest average monthly premium.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

If you're looking to bundle home and auto insurance affordably, Nationwide offers Arizona's most cost-effective choice at $1,983. Check the table below for more cheap bundling options.

*Rates are for a 40 year old driver with good credit and no driving violations

In Arizona, full coverage car insurance averages $125 per month, while state minimum coverage is about $61. By understanding the average cost of car insurance in Arizona, residents can gauge if they're receiving a fair rate from their insurer.

In Arizona, car insurance rates vary by city. Check out the average costs for state minimum and full coverage below.

Arizona's car insurance ranks 14th, making it pricier than many states but not the most costly. Factors include moderate population density, occasional natural disasters and car theft rates. Car insurance is expensive in Arizona, but understanding these factors can help residents find more affordable plans.

In Arizona, all drivers must have a car insurance policy that meets the state's minimum coverage limits. The minimum coverage includes bodily injury (BI) liability of $25,000 per person and $50,000 per accident, plus property damage (PD) liability of $15,000 per accident. These amounts represent the least you can pay to legally drive in the state.

If you finance or lease your car, you'll likely need to purchase comprehensive and collision insurance in addition to the state minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. For greater security on the road, experts advise choosing full coverage insurance with the highest deductible and liability limits you can afford.

Drivers with serious violations like speeding or drunk driving may need to file for SR-22 insurance, which can increase your premium. In Arizona, either you or your insurance company can file the SR-22. It's valid for three years from your most recent offense. Make sure to check with your provider about the process.

In the Grand Canyon State, self-insurance is a common alternative to traditional car insurance. By proving financial responsibility, drivers can meet Arizona’s state minimum coverage requirements without a standard policy.

For business owners, fleet insurance offers a practical solution. It covers multiple vehicles under one policy, simplifying management and ensuring compliance with state laws.

MoneyGeek recommends that drivers get full coverage car insurance. This includes liability, collision and comprehensive coverage. We advise the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damage to your car from things like theft, vandalism or severe weather when you're not on the road. Collision coverage, on the other hand, helps pay for your car's repairs if you're in a crash.

If you own a car that's worth a lot, MoneyGeek suggests getting both comprehensive and collision insurance, even if it's not required by law. You should choose a deductible for these coverages that you can afford to pay before your insurance covers the rest.

Root Insurance Company offers Arizona's cheapest full coverage at $79 per month, and Mercury has minimum coverage for just $33 per month. Cheap rates are tempting, but remember, low cost doesn't mean it's the best coverage. Experts recommend buying as much protection as you can afford.

MoneyGeek answers common questions about cheap car insurance in Arizona to ensure you get the right coverage.

MoneyGeek obtained Arizona auto insurance rates from the Arizona Department of Insurance and Quadrant Information Services. We examined 105,568 auto insurance quotes from 16 providers across 117 ZIP codes to determine the most affordable car insurance companies in Arizona.

Arizona Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Arizona:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Arizona

We compared car insurance companies in Arizona that offer both minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Texas.

The minimum coverage liability limits in Arizona are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $15,000 for property damage liability per accident.

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Arizona

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible