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:
- Cheap Auto Insurance Companies
- Best Car Insurance Rates: by City
- Cost of Car Insurance in Arizona: by City
- Best Auto Insurance Companies 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.
Find the Cheapest Auto Insurance Quotes in Your Area
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:
|Rank||Auto Insurance Company||Average Annual Rates|
|9||Farm Bureau Mutual IA Group||$1,109|
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.
|City||Auto Insurance Company||Average Annual Rates|
|Apache Junction||Freedom National||$720|
|Bullhead City||Freedom National||$588|
|Camp Verde||Auto Owners||$672|
|Casa Grande||Freedom National||$624|
|Chino Valley||Auto Owners||$672|
|El Mirage||Freedom National||$720|
|Fountain Hills||Auto Owners||$756|
|Lake Havasu City||Freedom National||$588|
|Oro Valley||Freedom National||$612|
|Paradise Valley||Auto Owners||$804|
|Prescott Valley||Auto Owners||$648|
|Queen Creek||Freedom National||$804|
|San Tan Valley||Freedom National||$720|
|Show Low||Freedom National||$636|
|Sierra Vista||Freedom National||$576|
|Sun City||Freedom National||$636|
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.
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.
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.
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.
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.
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.
|Mutual of Enumclaw||0.00|
|Cincinnati Ins Co||0.00|
|Country Financial Insurance||0.03|
|Arizona Automobile Insurance Company||0.09|
|Anchor General Insurance||0.15|
|Farm Bureau Mutual Insurance (Arizona Farm Bureau)||0.21|
|Badger Mutual Insurance||0.26|
|American Access Insurance||0.33|
|Western General Insurance Company||0.35|
|Alpha Property & Casualty||0.54|
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:
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.
|Rank||City||Average Annual Rate||Change vs. State Average|
|1||Lake Havasu City||$1,027||-21%|
|38||San Tan Valley||$1,419||9%|
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.