Who Has the Cheapest Car Insurance Quotes in Arizona? (2022)

Who Has the Cheapest Car Insurance Quotes in Arizona? (2022)

State Farm has the best cheap car insurance in Arizona at $653 per year and $54 per month for minimum liability coverage.

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The average cost of car insurance in Arizona is $897 per year, or $75 per month, for minimum liability.

Cheapest car insurance quotes in Arizona: State Farm

State Farm has the cheapest minimum liability coverage in Arizona with quotes 28% lower than the state average.

Cheapest car insurance companies in Arizona

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Active military members, veterans and their families can take advantage of even cheaper rates from USAA. At $523 annually, USAA's average annual rate is $130 less than State Farm's.

Company
Annual rate
Monthly rate
State Farm$653$54
Geico$939$78
Trumbull$948$79
Progressive$951$79
Allstate$1,022$85
AAA$1,086$90
Farmers$1,095$91
USAA*$523$44

*USAA is only available to current and former military members and their families.

Purchasing minimum coverage is the cheapest way to make sure you're covered — minimum coverage insurance is $1,322 cheaper than full coverage, on average. However, in Arizona, a minimum coverage policy only pays for injuries to others resulting from an accident or damage to the other driver's car or property. It does not include protection for damage to your own car or injuries to you and your passengers.

We recommend purchasing a full coverage auto insurance policy rather than a minimum coverage policy to ensure you're properly protected.

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Cheapest full coverage car insurance: State Farm

State Farm offers the cheapest quotes for full coverage as well at $1,431 a year, or $119 a month — 36% cheaper than the state average.

Full coverage auto insurance in Arizona costs $2,219 per year on average. Full coverage quotes include comprehensive and collision coverages, in addition to liability coverage. Comprehensive coverage pays for damage from incidents beyond your control, such as hail or theft, while collision coverage pays for damage to your own car if you crash into another car.

Company
Annual rate
Monthly rate
State Farm$1,431$119
Progressive$1,734$145
Geico$2,002$167
AAA$2,621$218
Farmers$2,627$219
Trumbull$2,907$242
Allstate$2,936$245
USAA*$1,496$125

*USAA is only available to current and former military members and their families.

Cheap car insurance quotes for drivers with prior incidents

Drivers who have a speeding ticket or an at-fault crash on their record will pay more than those with a clean driving record. State Farm and Progressive have the cheapest rates for drivers with a poor driving record.

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Cheapest car insurance after a speeding ticket: State Farm

State Farm has the best car insurance rates for Arizona drivers who have a speeding ticket on their record. Its average rate is $1,566 per year for full coverage insurance, or $130 per month — $1,329 below average. In Arizona, a single speeding ticket can increase your insurance rates by up to 31%.

Company
Annual rate
Monthly rate
State Farm$1,566$130
Progressive$2,319$193
Geico$2,400$200
AAA$3,225$269
Farmers$3,628$302
Trumbull$3,771$314
Allstate$4,318$360
USAA*$1,928$161

*USAA is only available to current and former military members and their families.

Cheapest car insurance after an accident: State Farm

State Farm offers the best rates for drivers who have an at-fault accident on their record. The average cost of car insurance after an at-fault accident is $3,274 a year in Arizona, but State Farm offers the state's drivers full coverage insurance for 48% less — $1,700 a year.

Company
Annual rate
Monthly rate
State Farm$1,700$142
Progressive$2,741$228
Geico$3,007$251
Farmers$3,663$305
Allstate$4,255$355
AAA$4,286$357
Trumbull$4,344$362
USAA*$2,190$183

*USAA is only available to current and former military members and their families.

Auto insurance premiums go up after an at-fault accident because drivers with a recent accident pose a higher risk for insurers than drivers with a clean record. Average rates increase by 49% after an at-fault accident in Arizona. This translates to an extra $1,070 per year in premiums compared to the rate you would have with a clean driving record.

Cheapest car insurance quotes after a DUI: Progressive

Progressive has the best rates for Arizona drivers with a DUI on their record. Its average rate is 43% more affordable than the state average at $2,037 a year.

Car insurance for drivers in Arizona with DUIs is 62% more expensive than a full coverage policy for a driver with no prior incidents. Driving under the influence (DUI) causes average car insurance rates to increase more than any other offense.

Company
Annual rate
Monthly rate
Progressive$2,037$170
State Farm$2,582$215
Geico$3,409$284
Farmers$3,519$293
Trumbull$4,325$360
AAA$4,330$361
Allstate$4,783$399
USAA*$3,547$296

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Progressive

Progressive offers the best rates for Arizona drivers with a low credit score. The state average is $4,491 a year, but the average rate from Progressive is 43% cheaper at $2,547 per year.

Company
Annual rate
Monthly rate
Progressive$2,547$212
Geico$2,709$226
Farmers$3,764$314
Allstate$3,936$328
Trumbull$4,652$388
State Farm$4,723$394
AAA$10,953$913
USAA*$2,646$220

*USAA is only available to current and former military members and their families.

Your credit score might not have anything to do with your ability to drive safely, but it has a big impact on how much you'll pay for insurance. Arizonans with poor credit pay 104% more for insurance than drivers with average credit.

Cheapest car insurance for married drivers: State Farm

Statistically, married drivers cause fewer accidents than single drivers, resulting in cheaper rates from many insurance companies. In Arizona, average annual rates for full coverage are $213 cheaper per year for married drivers than for unmarried drivers. State Farm offers married drivers the best rate at $1,431 per year.

Company
Annual rate
Monthly rate
State Farm$1,431$119
Progressive$1,531$128
Geico$1,958$163
AAA$2,160$180
Farmers$2,372$198
Trumbull$2,412$201
Allstate$2,765$230
USAA*$1,295$108

*USAA is only available to current and former military members and their families.

Married drivers may be able to save even more by adding multiple drivers and multiple cars to the same car insurance policy, savings that aren't reflected in these rates.

Cheapest car insurance quotes for young drivers: Geico

Geico has the most affordable insurance for 18-year-olds at $2,196 per year for minimum coverage and $4,151 for full coverage.

Young drivers pay much more for car insurance than older adults, especially if they aren't insured through their parents' policy. An 18-year-old driver can expect to pay over 200% more for car insurance than a 30-year-old driver.

Company
Liability only
Full coverage
Geico$2,196$4,151
State Farm$2,245$4,492
Trumbull$2,260$7,803
AAA$2,641$5,159
Allstate$2,897$8,595
Progressive$4,159$9,229
Farmers$4,372$9,873
USAA*$1,719$4,372

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers after a ticket: State Farm

State Farm offers minimum coverage insurance quotes that are 11% cheaper than the average cost, at $2,495 per year. Teenage drivers with a speeding ticket will see their car insurance quotes increase by $583 on average compared to those without an infraction on their record.

Company
Annual rate
Monthly rate
State Farm$2,495$208
Geico$2,592$216
Trumbull$3,246$271
Allstate$3,332$278
AAA$3,413$284
Progressive$4,375$365
Farmers$5,410$451
USAA*$2,287$191

*USAA is only available to current and former military members and their families.

Cheapest car insurance for teen drivers after an accident: State Farm

For younger drivers who've recently been involved in an at-fault accident, State Farm offers the best quotes for minimum coverage in Arizona. Unfortunately, being responsible for a car crash can make your car insurance much more expensive, making it even more important to find the lowest rate available to you.

Company
Annual rate
Monthly rate
State Farm$2,744$229
Geico$3,196$266
Allstate$3,416$285
Trumbull$3,978$332
Progressive$4,711$393
AAA$4,764$397
Farmers$5,410$451
USAA*$2,487$207

*USAA is only available to current and former military members and their families.

Best car insurance companies in Arizona

Choosing a dependable insurer is as important as finding the lowest quotes. Among Arizona insurers, USAA has the best combined ratings, with the top J.D. Power customer service score, maximum financial strength rating and an excellent rating from our editors.

Drivers who are not eligible for USAA should consider State Farm and AAA. Both insurers received the highest rank for financial strength along with exemplary customer service scores.

Company
Editor's rating
J.D. Power
AM Best
State Farm
847A++
AAA
800A
Geico
829A++
Farmers
802A
Progressive
835A+
Allstate
822A+
USAA*
863A++
TrumbullNRNRA+

*USAA is only available to current and former military members and their families.

Average car insurance cost in Arizona by city

It's not just how you drive that impacts your auto insurance rates, but where you live as well. Full coverage auto insurance quotes in Arizona fluctuate by over $1,000 from city to city.

The cheapest car insurance in Arizona is in Verde Village, where quotes are 20% cheaper than the average price statewide. Phoenix drivers have the highest rates in the state — 27% above average.

City
Average annual cost
Difference from average
Aguila$2,4069%
Ajo$2,171-2%
Ak-Chin Village$2,2452%
Alpine$1,896-14%
Amado$1,929-12%
Show All Rows

Minimum auto insurance requirements in Arizona

Minimum coverage insurance in Arizona includes bodily injury liability coverage, which pays for the other driver's injuries, and property damage liability coverage, which pays for the other driver's repairs.

Drivers in Arizona must have an auto insurance policy that meets or exceeds the following limits:

Coverage
Minimum limit
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$15,000 per accident

Recap of the cheapest car insurance in Arizona

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After a speeding ticket: State Farm
  • After an at-fault accident: State Farm
  • After a DUI: Progressive
  • Poor credit history: Progressive
  • Married drivers: State Farm
  • Young drivers: Geico
  • Young drivers after a ticket: State Farm
  • Young drivers after an accident: State Farm

Frequently asked questions

Who has the cheapest auto insurance in Arizona?

State Farm has the best rates for most drivers in Arizona, with the lowest annual prices for both minimum coverage ($653) and full coverage ($1,431). USAA also has competitive rates for drivers who are eligible, and Geico has great prices for young drivers.

What is the average cost of car insurance in Arizona?

The average price of car insurance in Arizona is $897 per year, or $75 per month, for minimum coverage. The average cost of full coverage in Arizona is $2,219 per year, or $185 per month. However, every insurer offers different prices, and what you'll pay depends on your age, driving history, location and credit score.

Is car insurance more expensive in Arizona compared to other states?

Our study found Arizona ranks as one of the most expensive states for auto insurance. It ranks as the 12th most expensive state for minimum coverage and the ninth most expensive for full coverage. Auto insurance rates in Arizona increased by an average of 2.21% from last year, which is a much higher rate than the nationwide average increase of 0.64%.

How much does car insurance cost in Phoenix vs. Tucson?

Phoenix and Tucson both have above-average insurance costs, but Phoenix is much more expensive. In Phoenix, you can expect to pay around $2,802 per year for a full coverage policy — 27% more than the statewide average. In Tucson, the average price is $2,337 per year, or 6% higher than the state average.

Methodology

We collected thousands of quotes from ZIP codes across Arizona for eight of the largest insurers using a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

Full coverage auto insurance quotes include the following limits:

Coverage
Limit
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum coverage policy, we referenced the minimum required limits in Arizona, cited above.

Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.