Who Has the Cheapest Car Insurance Quotes in Arizona?

Find the Cheapest Auto Insurance Quotes in Your Area

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GEICO has the cheapest car insurance rates in Arizona, according to our study of costs for a full coverage policy from the top insurers in the state.

Annual costs from GEICO were $1,773 per year, which is 34% less than the Arizona average of $2,699.

Costs varied city by city in Arizona, as well as company by company. For example, the most expensive city, Phoenix, came in at 27% more than the state average. Rates for our sample driver at the most expensive company were more than three times the cost of the cheapest insurer's premiums.

Cheapest car insurance in Arizona

Based on our research, GEICO, Hartford and CSAA are the three cheapest car insurance companies in Arizona. On average, theses three companies' premiums were 26% less than the Arizona average for a full coverage auto insurance policy.

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

Currently insured?
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RankCompanyAnnual rate
1GEICO$1,773
2Hartford$2,101
3CSAA$2,121
4Progressive$2,132
5American Family$2,179
6State Farm$2,308
7Allstate$4,492
8Farmers$5,597
NA*USAA$1,585

Cheapest for full coverage: GEICO

In Arizona, the cheapest car insurance company for a full coverage policy is GEICO, according to our survey of rates. We found that choosing this company could save $926 per year compared to the average cost of insurance in the state of $2,699.

$/year$/month
GEICO$1,773$148
Hartford$2,101$175
CSAA$2,121$177

Auto insurance that includes liability as well as comprehensive and collision coverage is known as a full coverage policy. This policy is the best way to ensure that both you and your car are protected if you get into an accident or anything happens to your car.

Cheapest for minimum liability: CSAA

The cheapest insurance company for minimum liability coverage in Arizona is CSAA, according to our research of top companies in the state. For our profile driver, rates from CSAA were 43% less than the average in the state — a difference of $420 from the state average of $980 for that coverage.

$/year$/month
CSAA$560$47
Hartford$729$61
GEICO$750$63

Having only the required liability insurance will drastically reduce the cost of premiums. The difference in annual premiums between these policies and those with full coverage is $1,719. Drivers who are considering minimum liability auto insurance should know that they won't be covered for repairs to their car if it is stolen or damaged in an accident where they are at fault.

Cheapest for drivers with an accident: CSAA

Drivers in Arizona that have been in an accident where they are considered to be at fault should get auto insurance from CSAA — which offered the cheapest quotes for these drivers, according to our research.

$/year$/month
CSAA$2,760$230
State Farm$2,760$230
GEICO$2,769$231

In Arizona, having an at-fault accident on your driving record could cause your auto insurance rates to increase by 46%. This translates to an extra $104 per month in premiums compared to the rate you would have with a driving record.

Best auto insurance companies in Arizona

We conducted a survey of current customers and found that USAA is the best auto insurance company in Arizona, when considering their claims and customer service satisfaction.

However, since not everyone will be eligible for USAA insurance — only military members, veterans and their family members can get insurance through them — American Family and State Farm are good choices, as well. These companies also received high marks from their policyholders that we surveyed.

Overall rank*Group% of respondents overall extremely satisfied with their most recent claim% of respondents who rated customer service as "excellent"
1USAA78%62%
2American Family86%50%
3State Farm73%46%
4Allstate72%47%
5Farmers71%38%
6Progressive74%34%
7GEICO64%42%
8CSAA44%32%
NAHartfordNANA
* Overall rank takes both overall satisfaction and customer service rankings into account.

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 and more expensive in big cities — where crime and accident rates are higher.

CityInsurance companyAnnual insurance rate
PhoenixGEICO$2,165
Progressive$2,488
American Family$2,629
TucsonGEICO$1,766
CSAA$2,041
Progressive$2,073
MesaGEICO$1,870
Progressive$2,136
Hartford$2,353
ChandlerGEICO$1,903
Progressive$2,019
American Family$2,304
ScottsdaleGEICO$1,831
CSAA$2,076
Progressive$2,114
GlendaleGEICO$2,073
Progressive$2,369
CSAA$2,606
GilbertGEICO$1,920
Progressive$2,143
Hartford$2,200
TempeGEICO$1,881
Progressive$2,089
American Family$2,341
PeoriaGEICO$1,932
Hartford$2,097
Progressive$2,194
SurpriseGEICO$1,850
Progressive$2,130
Hartford$2,186
AvondaleGEICO$2,062
Progressive$2,323
CSAA$2,431
GoodyearGEICO$1,769
Hartford$1,964
Progressive$2,077
BuckeyeGEICO$1,787
Hartford$1,954
Progressive$2,177
FlagstaffGEICO$1,648
CSAA$1,698
Hartford$1,792
Casa GrandeGEICO$1,724
Progressive$1,957
Hartford$2,091
Lake Havasu CityCSAA$1,466
Progressive$1,482
GEICO$1,483
MaricopaGEICO$1,700
Progressive$1,960
Hartford$2,029
MaranaGEICO$1,713
Hartford$1,870
CSAA$2,003
Prescott ValleyGEICO$1,622
Hartford$1,821
Progressive$1,840
Oro ValleyGEICO$1,624
CSAA$1,856
Progressive$1,902
Sierra VistaGEICO$1,476
CSAA$1,559
Progressive$1,616
PrescottGEICO$1,667
Progressive$1,808
Hartford$1,844
Apache JunctionGEICO$1,773
Progressive$1,998
Hartford$2,278
Bullhead CityGEICO$1,462
CSAA$1,574
American Family$1,662
El MirageGEICO$2,036
Hartford$2,166
CSAA$2,239
San LuisGEICO$1,667
Progressive$1,684
Hartford$1,829
KingmanGEICO$1,483
CSAA$1,532
Progressive$1,572
SahuaritaGEICO$1,462
Hartford$1,773
Progressive$1,853
FlorenceGEICO$1,700
Hartford$1,899
Progressive$1,905
Fountain HillsGEICO$1,674
Hartford$1,733
Progressive$1,981
NogalesGEICO$1,557
Hartford$1,717
Progressive$1,821
EloyGEICO$1,745
Progressive$1,945
Hartford$2,016
DouglasGEICO$1,523
Progressive$1,568
State Farm$1,733
Paradise ValleyGEICO$1,858
Progressive$2,130
American Family$2,285
CottonwoodGEICO$1,622
Progressive$1,790
Hartford$1,794
Chino ValleyGEICO$1,684
State Farm$1,795
Progressive$1,854
Camp VerdeGEICO$1,654
Hartford$1,809
Progressive$1,870
SedonaGEICO$1,638
CSAA$1,734
Progressive$1,879
WickenburgProgressive$1,782
GEICO$1,787
CSAA$1,882
PageGEICO$1,660
CSAA$1,768
Hartford$1,792
YoungtownGEICO$2,036
State Farm$2,162
Progressive$2,165
GuadalupeGEICO$1,891
Progressive$2,107
American Family$2,387
SnowflakeGEICO$1,583
State Farm$1,786
Hartford$1,856
Cave CreekGEICO$1,886
Progressive$2,085
CSAA$2,185
South TucsonGEICO$1,784
Progressive$2,094
Hartford$2,172
BisbeeCSAA$1,567
GEICO$1,569
Progressive$1,611
ThatcherGEICO$1,529
Progressive$1,564
CSAA$1,593
HolbrookGEICO$1,583
Hartford$1,873
Progressive$1,885
EagarGEICO$1,565
Progressive$1,871
Hartford$1,893
BensonGEICO$1,535
Progressive$1,728
CSAA$1,775

Phoenix, AZ

  • Average annual car insurance rate = $3,424
  • 27% higher than the Arizona average
  • Highest average insurance cost in the state

Nevertheless, cheap car insurance in Phoenix can be found if you know where to look. In our analysis, we found that GEICO, Progressive and American Family had the lowest rates for our drivers compared to other insurers in our sample. Quotes at these three companies averaged about 29% — or $997 — lower than the city mean.

Tucson, AZ

  • Average annual rate = $2,825
  • 5% greater than the state average
  • $161 more expensive than the average car insurance cost in Marana

Drivers looking to get cheap insurance in Tucson should consider GEICO, CSAA and Progressive — which offered our profile drive the most affordable rates for a full coverage policy. Premiums from these companies were, on average, 31% less than the citywide mean.

Mesa, AZ

  • Average annual car insurance cost in Mesa = $2,973
  • 10% greater than AZ mean
  • $274 more per year than the state average

To get the cheapest car insurance in Mesa, we recommend getting quotes from GEICO, Progressive and Hartford. These companies provided our profile driver with rates that averaged $2,120 per year for a full coverage policy, which is 29% less than the Mesa mean.

Chandler, AZ

  • Average annual car insurance cost = $2,909
  • 8% greater than the statewide average
  • 15% cheaper than the cost of car insurance in Phoenix

For cheap auto insurance in Chandler, drivers should consider GEICO, Progressive and American Family. The average annual cost of insurance premiums from these three companies was $2,075, according to our study — which is 29% less than the city average.

Scottsdale, AZ

  • Annual auto insurance rates = $2,772
  • 8% higher than the average cost of auto insurance coverage across Arizona
  • $521 less per year than the mean car insurance cost in Phoenix

To make sure drivers are getting the best car insurance quotes, we recommend GEICO, CSAA and Progressive as three companies that are likely to offer you the cheapest rates. In our analysis, these companies quoted an average annual rate of $2,007 for our profile driver — 31% less than the Scottsdale city average.

Cost of car insurance: By city

Auto insurance costs in Arizona ranged from $2,096 to $3,424 across the 50 cities we included in our study.

The cheapest car insurance in the state can be found in Lake Havasu City, where our profile driver was quoted an average rate of $175 per month for full coverage auto insurance.

See below for a full list of average insurance prices for the cities included in our study:
RankCityAverage annual car insurance rate
1Lake Havasu City$2,096
2Bullhead City$2,122
3Thatcher$2,141
4Douglas$2,154
5Kingman$2,166
6Sierra Vista$2,167
7Prescott Valley$2,208
8Benson$2,247
9Cottonwood$2,249
10Chino Valley$2,253
11Prescott$2,262
12Bisbee$2,263
13Page$2,315
14Sedona$2,346
15San Luis$2,367
16Eagar$2,381
17Holbrook$2,381
18Flagstaff$2,388
19Camp Verde$2,409
20Wickenburg$2,425
21Snowflake$2,443
22Sahuarita$2,480
23Nogales$2,494
24Eloy$2,573
25Florence$2,577
26Oro Valley$2,596
27Marana$2,663
28Casa Grande$2,666
29Maricopa$2,751
30Goodyear$2,756
31Fountain Hills$2,760
32Apache Junction$2,784
33Tucson$2,825
34South Tucson$2,840
35Buckeye$2,840
36Surprise$2,876
37Gilbert$2,883
38Scottsdale$2,903
39Chandler$2,909
40Cave Creek$2,939
41Peoria$2,965
42Mesa$2,973
43Paradise Valley$2,982
44Tempe$3,026
45Youngtown$3,053
46El Mirage$3,082
47Guadalupe$3,087
48Avondale$3,139
49Glendale$3,285
50Phoenix$3,424

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:

minimum
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$10,000

Methodology

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver who drives 12,000 miles a year.

Comments and Questions

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