Auto Insurance Basics

Who Has the Cheapest Car Insurance Quotes in Arizona?

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We reviewed car insurance rates in Arizona to help our readers find the cheapest companies and the best rates in the state. Annual costs in the Grand Canyon state were found to be $1,306 or $109 monthly on average for our sample driver's full coverage. Costs varied city by city in Arizona, as well as company by company. For example, the most expensive city came in at 33% more than the state average while the cheapest city was 21% cheaper. Our sample drivers found that insuring with the most expensive company could pay for almost four years at the cheapest insurer in Arizona! Take a look at the results from our analysis, or input your zip code above to see which companies are quoting in your area:

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Cheapest Car Insurance in Arizona

As part of our analysis, we looked at various companies operating in and throughout the state of Arizona. In the chart below we've ranked the five carriers out of the 20 with the lowest auto insurance rates for our profiled Arizona driver, a single 30 year old man.

This graph lists the five insurers with the best car insurance rates in Arizona and compares them to the state average.

Find the Cheapest Auto Insurance Quotes in Your Area

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Based on our sample drivers, we found that Freedom National, Auto Owners, State Farm, Farmers, and Titan generally had the lowest rates in Arizona, and were cheaper than the state benchmark by about 33%. Depending on where in Arizona you may live, the cheapest companies and rates will be different. Type your zip code into the quote box to see which of the cheapest companies are available in your area. Below is a table of 20 Arizona auto insurers, ranked in the order of the cost for one year of insurance coverage, from lowest to highest, for our male driver with an excellent driving record:

RankAuto Insurance CompanyAverage Annual Rates
1Freedom National$696
2Auto Owners$767
3State Farm$957
4Farmers$970
5Titan$999
6Ameriprise Group$1,005
7Progressive$1,044
8Allied$1,054
9Farm Bureau Mutual IA Group $1,109
10American Family$1,143
11Country$1,195
12GEICO$1,213
13Allstate$1,299
14MetLife$1,351
15The General$1,517
16Mercury$1,639
17Nationwide$1,675
18Encompass$1,825
19Kemper Specialty$2,043
20Dairyland$2,625

Cheapest Auto Insurance in Arizona: by City

How much you pay for auto insurance depends in large part on where you live and park your car in the Grand Canyon state. Generally speaking, the price of auto insurance is cheaper in more rural and less populated areas - this holds true for Arizona cities as well.

Out of the 49 cities we analyzed throughout Arizona, we found that the three cheapest places were located in Mohave County. On the other hand, the three most expensive cities in AZ for auto insurance were all located in Maricopa County. Let's take a look at how much car insurance costs and what companies are the cheapest in each city.

CityAuto Insurance CompanyAverage Annual Rates
Apache JunctionFreedom National$720
Auto Owners$768
Titan$936
AvondaleFreedom National$720
Auto Owners$816
Farmers$1,116
BuckeyeFreedom National$780
Auto Owners$816
Ameriprise Group$996
Bullhead CityFreedom National$588
Auto Owners$624
Allied$696
Camp VerdeAuto Owners$672
Freedom National$672
Titan$780
Casa GrandeFreedom National$624
Auto Owners$780
Allied$864
Chino ValleyAuto Owners$672
Freedom National$684
State Farm$756
CottonwoodAuto Owners$636
Freedom National$684
Titan$780
DouglasFreedom National$576
State Farm$720
Auto Owners$756
El MirageFreedom National$720
Auto Owners$816
State Farm$1,128
EloyFreedom National$732
Auto Owners$780
Progressive$1,008
FlorenceFreedom National$732
Auto Owners$756
Titan$936
Fountain HillsAuto Owners$756
Freedom National$756
Farmers$924
GlobeFreedom National$564
Auto Owners$708
State Farm$792
GoodyearFreedom National$720
Auto Owners$816
State Farm$972
KingmanFreedom National$588
Auto Owners$624
Allied$696
Lake Havasu CityFreedom National$588
Auto Owners$624
Allied$648
MaranaFreedom National$624
Auto Owners$768
Farmers$960
MaricopaFreedom National$720
Auto Owners$816
State Farm$972
MesaFreedom National$780
Auto Owners$852
State Farm$1,092
NogalesFreedom National$732
Farmers$816
Allied$840
Oro ValleyFreedom National$612
Auto Owners$768
Farmers$876
Paradise ValleyAuto Owners$804
Freedom National$864
Farmers$936
PaysonFreedom National$564
Auto Owners$708
State Farm$816
PeoriaAuto Owners$816
Freedom National$840
Farmers$1,092
PhoenixFreedom National$900
Farmers$1,128
Titan$1,140
PrescottAuto Owners$648
Freedom National$684
State Farm$816
Prescott ValleyAuto Owners$648
Freedom National$684
Titan$780
Queen CreekFreedom National$804
Auto Owners$816
Titan$936
SaffordFreedom National$624
Auto Owners$672
State Farm$768
SahuaritaFreedom National$624
Auto Owners$708
State Farm$852
San Tan ValleyFreedom National$720
Auto Owners$768
Titan$936
ScottsdaleAuto Owners$804
Freedom National$816
Farmers$1,056
SedonaAuto Owners$612
Freedom National$684
Titan$780
Show LowFreedom National$636
Auto Owners$696
State Farm$804
Sierra VistaFreedom National$576
Auto Owners$624
American Family$780
SomertonFreedom National$588
Auto Owners$696
Farmers$876
Sun CityFreedom National$636
Auto Owners$708
State Farm$864
SurpriseAuto Owners$708
Freedom National$756
Ameriprise Group$924
TucsonFreedom National$684
Auto Owners$768
Farmers$948
WickenburgFreedom National$708
State Farm$792
Auto Owners$816
WinslowFreedom National$636
Auto Owners$756
Ameriprise Group$840
YumaFreedom National$660
Auto Owners$696
Allied$852

Phoenix, AZ

The largest city in Arizona is also the most expensive city to insure your car. Located in the Valley of the Sun, Phoenix is the most populated state capital in America. We also found that our sample drivers among the 1.5 million residents can find themselves paying $1,735 per year on average for the study's limits. 

Nevertheless, cheap car insurance in Phoenix can be found if you know where to look. In our analysis, we found that Freedom National, Farmers, Titan, State Farm, and Ameriprise had the lowest rates for our drivers compared to other insurers in our sample. Quotes at these three companies averaged about 39% - or $679 – lower than the city mean.

This graph displays the annual auto insurance rates for the five cheapest companies we found in Phoenix, as compared to the city wide average.

Tucson, AZ

With an estimated 350 days of sunshine a year, Tucson's placement in the Sun Corridor in Arizona is quite apt. In recent years, Tucson has built a reputation as a hotspot for optics and electrooptics manufacturing in Arizona. It's the second largest city in the state and it also ranks 5% above the state average with drivers paying annual rates of $1,375 to insure their vehicles.

For drivers looking to save more money, we recommend including Freedom National, Auto-Owners, and Farmers when shopping for lower car insurance quotes. Our drivers insured with these affordable auto insurers in Tucson pay an average rate of $800, 42% cheaper compared to the state average. If you would like to consider more options, put Titan and Progressive onto your list as well, as we also found them offering cheaper quotes, at $1,020 a year for a $355 discount from the city average.

This graph depicts the five companies in Tucson we found to have the most affordable auto insurance, as compared to the city wide average.

Mesa, AZ

Located in the Sonoran Desert National Forest, Mesa, Arizona's third largest city, is home to 464,000 residents. The top employers are Banner Health System, Mesa Public Schools, and Boeing. Based on our study’s auto insurance costs, our drivers in this city paid average annual premiums of $1,451. 

While the costs to insure their cars are 11% higher than other Arizona cities on average, Mesa drivers could still save by going with Freedom National, Auto Owners, State Farm, Progressive, or Farmers. We found these insurers offering even lower car insurance rates for our sample motorist, with annual rates 32% less than the Mesa average in our research.

This graph lists the five least expensive car insurance companies in Mesa and their corresponding annual rates. It compares their average annual premiums for our sample drivers to the city wide average.

Chandler, AZ

Chandler is bordered by Tempe, Mesa, Gilbert and Phoenix, making it one of the major suburbs of Phoenix. The city is known for its annual Ostrich Festival, which celebrates the history of ostrich farms in Chandler. In terms of auto insurance, Chandler is above the state average with an annual rate of $1,379 a year for the study's example motorists. 

The cheapest car insurers in Chandler are Freedom National, Auto Owners, Farmers, Titan, and Farm Bureau Mutual. These companies offered quotes around $910 for our sample drivers a year, which shaved more than $469 off our Chandler driver's average.

This graph shows which auto insurers rank with the lowest average annual costs in Chandler and compares their rates to the citywide average.

Glendale, AZ

Located only 9 miles northwest of Downtown Phoenix, Glendale is the fifth largest city with a population of over 226,000 residents. Glendale ranked in the Grand Canyon State with the second most expensive car insurance rates for our drivers; annual rates averaged $1,714 for our driver's full protection, which was 31% higher than our state average. 

Nevertheless, we have found some ways to save for Glendale motorists. For some of the most affordable car insurance rates, Glendale drivers should take a look at Freedom National, Auto Owners, State Farm, Farmers, and Ameriprise Group. Based on our study, Glendale motorists could see 35% lower rates when they insure with any one of these insurers.

This graph lists the 5 companies in Glendale with the best auto insurance rates out of all carriers surveyed and compares their cost to the city average.

Best Auto Insurance Companies in Arizona

We gathered data from the Arizona Department of Insurance to rank the best car insurance companies in Arizona. We looked at each insurer's complaint ratio, a metric that allows consumers to compare different companies to see how satisfied drivers are with their service. The ratio compares a company's number of complaints for every 1,000 policies written. The smaller the number, the better the company is performing compared to its competitors. Of the cheapest companies mentioned above, Titan is the best ranked option, while State Farm, Farmers, and Ameriprise were in the middle.

Company Complaint Ratio
ANPAC 0.00
Travelers 0.00
Mutual of Enumclaw 0.00
Bankers Insurance 0.00
Chubb 0.00
Cincinnati Ins Co 0.00
Allied 0.00
Liberty Mutual 0.00
Encompass 0.00
Country Financial Insurance 0.03
Pekin Insurance 0.04
Esurance 0.04
Titan 0.06
Sentry 0.07
Mercury Insurance 0.07
USAA 0.07
GEICO 0.08
Acuity Insurance 0.08
Kemper 0.08
Progressive 0.08
Farmers 0.08
Arizona Automobile Insurance Company 0.09
State Farm 0.09
Hallmark Insurance 0.09
AssuranceAmerica 0.10
Allstate 0.10
Safeco 0.12
American Family 0.13
Safeway 0.14
Anchor General Insurance 0.15
National General 0.20
MAPFRE Insurance 0.20
21st Century 0.20
Infinity Auto 0.20
Farm Bureau Mutual Insurance (Arizona Farm Bureau) 0.21
Ameriprise 0.21
Amica 0.21
The General 0.22
Electric 0.22
CSE Insurance 0.22
Omni Insurance 0.22
MetLife 0.24
Badger Mutual Insurance 0.26
CSAA Insurance 0.28
United Automobile 0.29
GAINSCO 0.30
Mendota 0.31
American Access Insurance 0.33
Western General Insurance Company 0.35
State Auto 0.36
SafeAuto 0.36
Pimero Insurance 0.50
Alpha Property & Casualty 0.54
Hartford 0.85

Cost of Car Insurance: by City

Using our sample driver profiles, we found that while the statewide benchmark was $1,306 a year, costs by city ranged from $1,027 to $1,735 and costs by company even ranged from $696 to $2,625. Here's a peek at the entire list of cities we looked at as part of our study. We've listed the 49 cities in order from least expensive to most expensive and the number in the chart is the annual auto insurance premium for the study's profiled motorists. Check out the graph below to see where your city ranks in Arizona:

This graph ranks the 49 cities in Arizona we surveyed from cheapest to most expensive in terms of annual auto insurance rates.

We have also sorted the cities by alphabetical order for your reference. The chart below shows each city's rank from most affordable to most expensive, average annual rate, and the percentage change of each rate compared to the state average.

RankCityAverage Annual RateChange vs. State Average
36Apache Junction$1,3997%
45Avondale$1,51616%
41Buckeye$1,44511%
3Bullhead City$1,060-19%
12Camp Verde$1,148-12%
25Casa Grande$1,3191%
34Chandler$1,3796%
10Chino Valley$1,144-12%
28Coolidge$1,3332%
7Cottonwood$1,129-14%
5Douglas$1,093-16%
47El Mirage$1,52317%
27Eloy$1,3312%
29Florence$1,3372%
32Fountain Hills$1,3705%
35Gilbert$1,3937%
49Glendale$1,71431%
19Globe$1,216-7%
31Goodyear$1,3554%
2Kingman$1,047-20%
1Lake Havasu City$1,027-21%
21Marana$1,277-2%
30Maricopa$1,3503%
43Mesa$1,45111%
20Nogales$1,223-6%
24Oro Valley$1,3151%
42Paradise Valley$1,44511%
15Payson$1,193-9%
46Peoria$1,52217%
50Phoenix$1,73533%
13Prescott$1,153-12%
8Prescott Valley$1,134-13%
44Queen Creek$1,51116%
6Safford$1,093-16%
22Sahuarita$1,298-1%
38San Tan Valley$1,4199%
39Scottsdale$1,43510%
9Sedona$1,141-13%
16Show Low$1,201-8%
4Sierra Vista$1,068-18%
11Somerton$1,144-12%
23State Average$1,3060%
26Sun City$1,3201%
37Surprise$1,4138%
40Tempe$1,43710%
48Tolleson$1,60623%
33Tucson$1,3755%
18Wickenburg$1,214-7%
17Winslow$1,213-7%
14Yuma$1,164-11%

Minimum Auto Insurance Requirements in Arizona

Arizona drivers are required to carry a minimum amount of car insurance, though limits are lower than in most other states. In Arizona you need to carry the following limits to be street legal:

  • $15,000 per person/$30,000 per accident of bodily injury liability
  • $10,000 of property damage liability

Methodology & Minimum Requirements in Arizona

To drive in Arizona, drivers must meet the state requirements and have liability car insurance coverage of at least $15/$30/$15. For our study, we chose a basic policy that has limits slightly higher than what the state required, with Uninsured Motorists Coverage of the same limits:

Insurance Coverage Arizona Minimum Coverage Study Coverage
Bodily Injury (BI) (per person / per accident) $15,000 / $30,000 $50,000 / $100,000
Property Damage (PD) 10,000 25,000
Collision / Comprehensive deductible   $500

The quotes we obtained for the study were specific to our profiled driver, a single, 30 year old male driver who owns his 2011 Toyota Camry. He has a good credit score and clean driving history for the past 5 years. He uses his vehicle mainly to commute to work, averaging 12,000 in annual mileage.

Our quotes were picked from 49 cities in the state, across 20 national auto insurance companies. Surveyed auto insurance costs in Arizona are for illustrative purposes only. Your actual quotes will vary based on your physical residence, driving history, and other factors. If your sole focus is low costs, the most important thing you can do is to obtain and compare a minimum of three quotes for the coverage you want.

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