Travelers offers the most affordable minimum coverage for young drivers, Mercury for adults and State Farm for seniors. For drivers with violations, Auto-Owners is best for speeding tickets, and Progressive is the cheapest for DUIs. Travelers also has the lowest rates for drivers with accidents or bad credit.
Cheapest Low-Income Car Insurance in Arizona
Updated: February 6, 2025
Advertising & Editorial Disclosure
Key Takeaways
Arizona has no low-income car insurance program, but affordable plans are available to meet minimum coverage requirements.
Travelers, Progressive and GEICO are some of the cheapest insurance options for low-income drivers.
Comparing different providers and exploring discounts can help low-income drivers save the most on car insurance.
Cheapest Car Insurance Companies for Low-Income Drivers in Arizona
| Travelers | Young Drivers | $48 |
| Mercury | Adults | $46 |
| State Farm | Seniors | $44 |
| Auto-Owners | Drivers With a Speeding Ticket | $51 |
| Progressive | Drivers With a DUI | $54 |
| Travelers | Drivers With an Accident | $57 |
| Travelers | Bad Credit | $58 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
The table below helps you find the most affordable insurance provider for your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Mercury | $46 | $550 |
| State Farm | $47 | $564 |
| Progressive | $49 | $584 |
| Travelers | $49 | $592 |
| GEICO | $50 | $602 |
Cheapest Car Insurance for Families With Low Income in Arizona
Travelers offers the cheapest minimum coverage for low-income households with teens. Married couples pay $50 monthly, while single parents pay $106. GEICO is the most affordable option for couples without a teen at $40.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| Travelers | $605 | $50 |
| Auto-Owners | $878 | $73 |
| Progressive | $1,049 | $87 |
| GEICO | $1,082 | $90 |
| State Farm | $1,095 | $91 |
| Nationwide | $1,195 | $100 |
| Farmers | $1,315 | $110 |
| Allstate | $1,542 | $129 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some tips to lower auto insurance premiums in Arizona:
- 1
Choose minimum coverage
State minimum insurance is an affordable way to meet legal requirements. However, it offers limited protection and may not cover all costs in an at-fault accident.
- 2
Compare quotes
Gather quotes from multiple providers to identify the most affordable choice. Explore provider websites, brokers, agents and online tools for a thorough comparison.
- 3
Look for discounts
Insurance companies often offer discounts for good students, safe drivers and military members. If applicable, residents can also take a defensive driving course to lower premiums by 10%.
- 4
Increase your deductible
Opting for a higher deductible reduces monthly premiums for collision or comprehensive coverage. Ensure you can afford it if you need to file a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance benefits low-mileage drivers by combining a low base cost with per-mile fees. This helps you save by covering only the distance you drive.
- 6
Bundle your policies
Bundling home and auto insurance policies can lead to significant savings for Arizona drivers. For example, with State Farm in the state you can save up to 30% on your combined policy.
- 7
Get a cheaper car
Your car's make and model heavily impact insurance costs. Choosing a cheaper car to insure, like an older and more dependable model, can save hundreds annually on premiums.
Minimum Car Insurance Requirements in Arizona
Drivers in Arizona must meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
If you're leasing or financing a car, you'll need a split of 100/300/100 liability coverage along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum coverage keeps you legal on the road and covers the other driver’s expenses if you cause a crash. However, it won’t pay for your car repairs or legal fees. If you drive often and have room in your budget, consider getting full coverage to better protect against the financial impact of accidents.
Cheap Low-Income Car Insurance in Arizona: Bottom Line
Travelers offers the cheapest affordable car insurance for most low-income drivers in Arizona. Travelers, Progressive and Auto-Owners are the cheapest options for high-risk drivers. To find the best deal, explore various providers through different channels.
Low-Income Auto Insurance in Arizona: FAQ
Affordable car insurance for low-income drivers can be difficult to find. Here are answers to common questions about saving money.
What is the cheapest car insurance for low-income drivers in Arizona?
Mercury is the most cost-effective insurer in Arizona for minimum coverage at $46 monthly, and Root is the cheapest for full coverage at $79. Minimum coverage is often the most affordable option for low-income drivers, provided their vehicle isn't under a lease or finance agreement.
Does Arizona have a state-supported low-income car insurance program?
Arizona doesn't have a state-supported program to help low-income drivers obtain car insurance.
Does your income affect the cost of car insurance in Arizona?
Income doesn't directly affect car insurance rates in Arizona. Insurers consider other factors like driving record and vehicle type.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek analyzed Arizona auto insurance rates using data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Arizona.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Arizona:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows the requirements set by Arizona law, and offers affordable options for low-income drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.