Cheapest Car Insurance in Arizona (Best Rates in 2026)
Progressive has the cheapest full coverage car insurance in Arizona, at $176 per month.
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Best cheap car insurance in AZ
Progressive, Travelers and State Farm are the cheapest companies for most people in Arizona.
- Want full coverage? Progressive: $176/mo
- Only need minimum coverage? Travelers: $70/mo
- Want the best service? State Farm: $203/mo
- Have a speeding ticket? State Farm: $216/mo
- Caused an accident? State Farm: $203/mo
- Need coverage for a teen? Travelers: $205/mo
- Got a DUI? Progressive: $226/mo
- Have poor credit? Progressive: $278/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance rates in AZ: Progressive
Progressive and USAA have the cheapest quotes for full coverage in Arizona.
- Progressive charges $176 per month for full coverage, on average. That's 25% cheaper than the average full coverage rate in Arizona.
- State Farm offers the best mix of affordable rates and great service. At $203 per month, State Farm is $33 per month cheaper than average.
- USAA has the cheapest rates overall, at $165 per month. However, it's only available to military members, veterans and some of their family members.
Find Cheap Car Insurance Quotes in Arizona
Best cheap full coverage car insurance in AZ
Company | Monthly rate |
|---|---|
| Progressive | $176 |
| Travelers | $192 |
| State Farm | $203 |
| Auto-Owners | $219 |
| USAA* | $165 |
*USAA is only available to current and former military members and their families.
Data-powered research on Arizona car insurance
Cheapest liability insurance in Arizona: Travelers
- Travelers has the cheapest liability auto insurance for most people in Arizona, at $70 per month, on average. That's $20 per month cheaper than the Arizona state average.
- Auto-Owners and State Farm are also great choices for minimum liability insurance in Arizona. Both companies have better customer service reviews than Travelers, and their rates aren't much more expensive.
Cheapest Arizona car insurance quotes
Company | Monthly rate |
|---|---|
| Travelers | $70 |
| Auto-Owners | $80 |
| State Farm | $81 |
| Progressive | $88 |
| USAA* | $58 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Arizona
If you have minimum liability insurance in Arizona, your insurance doesn't have to pay for medical care for injuries to members of your family or household if they're riding with you and hurt in an accident that's your fault.
Before buying a liability-only policy, check to see whether the company will cover your family's medical bills under your bodily injury liability coverage. If not, you'll have to add medical payments coverage to your policy if you want to protect your family members.
Arizona car insurance rates by city
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Progressive has the cheapest full coverage insurance in three-quarters of cities and towns across Arizona, including Phoenix, Tucson and Mesa.
State Farm has the cheapest rates in 15% of towns, many of which are in northern and eastern Arizona, especially around the White Mountains.
- Lake Havasu City has the cheapest car insurance rates in Arizona. People in Lake Havasu City, near the Arizona-California border, pay around $175 per month.
- Phoenix, the state's largest city, has the most expensive quotes, at an average of $284 per month for full coverage.
Find Cheap Car Insurance Quotes in Arizona
Full coverage auto insurance quotes by AZ city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Phoenix | $284 | Progressive | $215 |
| Tucson | $229 | Progressive | $169 |
| Mesa | $242 | Progressive | $183 |
| Chandler | $236 | Progressive | $171 |
| Glendale | $274 | Progressive | $210 |
| Scottsdale | $241 | Progressive | $177 |
| Peoria | $243 | Progressive | $183 |
| Tempe | $247 | Progressive | $179 |
| Surprise | $224 | Progressive | $180 |
| Goodyear | $229 | Progressive | $176 |
| Buckeye | $227 | Progressive | $183 |
| Yuma | $201 | Progressive | $144 |
| Avondale | $258 | Travelers | $207 |
| Flagstaff | $194 | Progressive | $145 |
| Maricopa | $217 | Progressive | $171 |
| Casa Grande | $209 | Progressive | $157 |
| Prescott | $193 | Progressive | $149 |
| Sierra Vista | $180 | Progressive | $130 |
| Apache Junction | $228 | Progressive | $169 |
| San Luis | $204 | Progressive | $143 |
| El Mirage | $240 | Progressive | $190 |
| Kingman | $181 | Progressive | $135 |
| Aguila | $231 | Travelers | $183 |
| Ajo | $207 | Travelers | $156 |
| Ak-Chin Village | $219 | Progressive | $171 |
| Alpine | $192 | Progressive | $144 |
| Amado | $193 | Progressive | $136 |
| Anthem | $238 | Progressive | $192 |
| Arizona City | $212 | Travelers | $166 |
| Arizona Village | $183 | Progressive | $138 |
| Arlington | $226 | Progressive | $172 |
| Avenue B and C | $203 | Progressive | $149 |
| Avra Valley | $211 | Progressive | $151 |
| Bagdad | $189 | Progressive | $139 |
| Bapchule | $219 | Progressive | $173 |
| Bellemont | $192 | Progressive | $141 |
| Benson | $192 | Progressive | $142 |
| Bisbee | $184 | Progressive | $129 |
| Black Canyon City | $207 | State Farm | $158 |
| Blackwater | $214 | Progressive | $165 |
| Blue | $194 | Progressive | $140 |
| Blue Gap | $213 | Progressive | $157 |
| Bluewater | $187 | Progressive | $135 |
| Bouse | $191 | Progressive | $140 |
| Bullhead City | $185 | Progressive | $137 |
| Bylas | $189 | Progressive | $145 |
| Cactus Flats | $182 | Progressive | $129 |
| Cameron | $211 | State Farm | $151 |
| Camp Verde | $195 | Progressive | $146 |
| Carefree | $235 | Progressive | $192 |
| Casas Adobes | $219 | Progressive | $163 |
| Cashion | $246 | Travelers | $198 |
Best car insurance in Arizona: State Farm
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Full coverage rate$203/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Arizona based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Arizona
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Best cheap insurance in AZ after a speeding ticket: State Farm
- State Farm has the cheapest car insurance quotes in Arizona after a speeding ticket. Full coverage from State Farm costs around $216 per month after one speeding ticket, which is $89 per month less than the state average.
- Arizona drivers should also compare rates from Auto-Owners after a ticket. It charges an average of $219 per month for full coverage, which is only $3 per month more than State Farm. That means it could be the cheapest company for some people.
Affordable insurance in AZ after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $216 |
| Auto-Owners | $219 |
| Progressive | $240 |
| Travelers | $246 |
| USAA* | $214 |
*USAA is only available to current and former military members and their families.
In Arizona, one speeding ticket could raise your insurance rates by around 29%. That's an average increase of $70 per month for a full coverage policy.
Cheapest AZ car insurance after an accident: State Farm
State Farm has the most affordable car insurance in AZ after an accident. Full coverage insurance from State Farm costs only $203 per month after your first at-fault accident. That's $140 per month cheaper than the Arizona average of $343 per month. It's also $59 per month less than the second-cheapest company, Progressive.
Cheap AZ insurance after a crash
Company | Monthly rate |
|---|---|
| State Farm | $203 |
| Progressive | $262 |
| Geico | $274 |
| Travelers | $275 |
| USAA* | $245 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in Arizona go up by an average of 45% after an at-fault accident. That's $107 per month more than drivers with a clean record pay for auto insurance.
If you can't afford insurance after an accident, there are a few ways to lower your car insurance bill.
- If you have comprehensive and collision coverage, you can typically lower your payments by choosing a higher deductible.
- You can usually save by signing up for automatic payments or paying your six-month or annual bill up front.
- Many major companies offer safe driving programs. By practicing safe habits, like sticking to the speed limit, you could earn a large discount.
- If you own your car outright, you could consider canceling your comprehensive and collision coverage. These coverages may not be worth it if your car is more than 8 years old or worth less than $5,000.
Cheapest auto insurance in Arizona for teens: Travelers
Travelers has the most affordable insurance for most young drivers in AZ.
- Minimum coverage: A minimum liability policy from Travelers costs an average of $205 per month for an 18-year-old in Arizona. That's around one-quarter less than the state average of $267 per month.
- Full coverage: Travelers also has the best full coverage rates for most young drivers, at around $515 per month.
- Military ties: USAA is even cheaper, at $166 per month for minimum liability and $422 per month for full coverage, if you can get a policy because you have military ties.
Lowest AZ auto insurance rates for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $205 | $515 |
| The Hartford | $247 | $810 |
| Geico | $265 | $552 |
| Auto-Owners | $270 | $639 |
| USAA* | $166 | $422 |
*USAA is only available to current and former military members and their families.
Young drivers pay much more for car insurance than older adults. An 18-year-old driver can expect to pay around triple what a 30-year-old driver pays for auto insurance in AZ.
The best way for young drivers to save on car insurance is by sharing a policy with their parents.
Many companies also offer discounts geared toward young drivers. You can typically save money on car insurance if you get good grades in school or take a defensive driving course.
Cheap car insurance in AZ for teens with a bad driving record: Travelers and Geico
- Speeding ticket: Travelers has the cheapest car insurance quotes for teen drivers with a recent speeding ticket in Arizona. A minimum liability policy from Travelers costs around $257 per month for an 18-year-old with one speeding ticket. That's $71 per month cheaper than the Arizona average.
- Accident: Geico is the cheapest company for young drivers after an at-fault accident. Liability-only coverage from Geico costs an average of $275 per month after an accident, which is over $100 per month cheaper than average.
Best insurance quotes in AZ for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $257 | $304 |
| Auto-Owners | $270 | $419 |
| State Farm | $301 | $278 |
| The Hartford | $335 | $435 |
| Geico | $348 | $275 |
*USAA is only available to current and former military members and their families.
If you're 18 years old in Arizona, a ticket could raise your rates by an average of 22% and an at-fault accident could increase your rates by 42%. Teens usually see smaller increases than adults after an incident because they're already considered high-risk drivers.
Affordable car insurance in Arizona after a DUI: Progressive
Progressive has the cheapest rates for Arizona drivers after a DUI, averaging $226 per month. That's $188 per month cheaper than the Arizona average.
Best cheap Arizona car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $226 |
| Travelers | $284 |
| State Farm | $390 |
| Auto-Owners | $396 |
| USAA* | $326 |
*USAA is only available to current and former military members and their families.
Drivers in Arizona with a DUI pay an average of 75% more for full coverage than drivers with a clean record.
In addition, you may need to get SR-22 insurance in Arizona after a DUI. Most insurance companies charge between $15 and $50 to file an SR-22 form on your behalf, on top of any increase in your insurance rates.
Cheapest insurance in AZ for drivers with poor credit: Progressive
Progressive has the cheapest car insurance quotes in Arizona for drivers with a low credit score. The average rate for full coverage from Progressive is $278 per month if you have poor credit. That's $231 per month less expensive than the state average.
Affordable bad credit car insurance in Arizona
Company | Monthly rate |
|---|---|
| Progressive | $278 |
| Travelers | $297 |
| Geico | $385 |
| Farm Bureau | $423 |
| USAA* | $329 |
*USAA is only available to current and former military members and their families.
Arizona drivers with poor credit could pay more than twice as much for insurance as drivers with good credit.
Your credit score doesn't have anything to do with your ability to drive safely, but it can impact how much you pay for insurance. That's because insurance companies believe people with poor credit are more likely to file a claim, which makes them more expensive to insure.
Is your car insurance company raising rates in Arizona in 2026?
Some major Arizona auto insurance companies have raised rates in 2026, while others have actually lowered their rates across the state.
- ↑ Biggest increase: Farmers at +5.2%
- ↓ Biggest decrease: Progressive at -4.7%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| Progressive | ↓ 4.7% | ↑ 35.7% |
| American Family | ↓ 2.0% | ↑ 62.5% |
| AAA | ↓ 2.0% | ↑ 18.0% |
| State Farm | ↓ 0.1% | ↑ 25.3% |
| USAA | 0.0% | ↑ 35.3% |
| Travelers | 0.0% | ↑ 35.4% |
| Allstate | ↑ 1.2% | ↑ 50.1% |
| Geico | ↑ 2.5% | ↑ 39.1% |
| Liberty Mutual | ↑ 3.8% | ↑ 72.1% |
| Farmers | ↑ 5.2% | ↑ 95.5% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Arizona
If your insurance company is raising rates in Arizona, there are a few things you can do to lower your insurance bill.
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Compare quotes from the cheapest car insurance companies in Arizona, including Progressive, Travelers, State Farm and Auto-Owners.
There's a difference of $212 per month between the most and least expensive companies for full coverage insurance in AZ. That could amount to a savings of more than $2,500 per year.
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Find a company that offers lots of discounts you qualify for. Most car insurance companies offer discounts for bundling your home insurance or insuring multiple vehicles, which can save you a lot of money.
But some companies also offer more unique discounts. For instance, American Family offers a discount for teen drivers who volunteer for 40 hours per year at a nonprofit. And homeowners can save with Progressive, even if they insure their home with a different company.
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Consider a safe driving program. These programs track your driving habits using a mobile app or device that you plug into your car. If you practice safe driving habits, like staying under the speed limit and avoiding late-night driving, you could earn a big discount.
State Farm's Drive Safe & Save program is the best choice for most Arizona drivers because it offers a discount of up to 30% and won't raise your rates if you have bad driving habits, unlike Progressive and Travelers. State Farm also has some of the most affordable rates in AZ, even before the discount.
Minimum auto insurance requirements in Arizona
Arizona requires drivers to have a minimum amount of liability coverage to pay for injuries or damage they cause in an accident. This requirement is often written as 25/50/15.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
Drivers must keep proof of their insurance, either with a physical or electronic copy of an insurance ID card, with them at all times while driving. You'll be asked to show this proof if you are pulled over on the road and when you register your car with the Motor Vehicle Division (MVD).
Arizona requires all drivers to meet state minimum requirements for auto insurance. If you're caught driving uninsured or underinsured, the state may suspend your driving privileges for up to a year, charge a fine up to $1,000 and require you to file an SR-22 certificate of financial responsibility.
Potential fines and penalties for driving without insurance in ArizonaFirst offense:
- Fine: $500
- Other fees: $50 to reinstate registration, $20-$35 (depending on your age) to reinstate driver’s license
- Driving privileges: Driver's license, registration and license plates suspended for three months
- Other penalties: Possible SR-22 certificate for three years
Second offense:
- Fine: $750
- Other fees: $50 to reinstate registration, $20-$35 (depending on your age) to reinstate driver’s license
- Driving privileges: Driver's license, registration and license plates suspended for six months
- Other penalties: Possible SR-22 certificate for three years
Third and subsequent offenses:
- Fine: $1,000
- Other fees: $50 to reinstate registration, $20-$35 (depending on your age) to reinstate driver’s license
- Driving privileges: Driver's license, registration and license plates suspended for one year
- Other penalties: Possible SR-22 certificate for three years
If you don't plan to drive your car for an extended period of time, you can cancel your insurance and notify the Motor Vehicle Division (MVD) online or in person.
This might make sense for you if you're headed out on deployment or storing your car during the summer while you return to your home up north. But remember to reinstate your policy or buy a new one before driving your car again.
Just because you won't be penalized by the DMV doesn't mean your car insurance rates won't go up after a lapse in coverage. Check with your car insurance company before canceling your coverage to make sure your rates won't be more expensive when you reinstate your policy.
What's the best car insurance coverage for Arizona drivers?
Full coverage car insurance is the best choice for most drivers in Arizona.
Full coverage quotes include comprehensive and collision coverages along with liability coverage.
- Comprehensive coverage pays for damage from incidents beyond your control, such as hail or theft.
- Collision coverage pays for damage to your car if you crash into another car or a stationary object, regardless of whose fault it is.
Minimum liability insurance in Arizona only pays for injuries to others or damage to another person's car or property. It doesn't include protection for your own car, and it doesn't pay for injuries to you and your passengers.
You should consider full coverage auto insurance instead of minimum coverage to ensure you have enough protection if you're in a major car accident.
Frequently asked questions
Who has the cheapest car insurance rates in Arizona?
Travelers has the cheapest minimum liability insurance in Arizona in 2026, at around $70 per month. That's $20 per month cheaper than the Arizona average. Progressive has the cheapest full coverage rates, at an average of $176 per month.
How much is car insurance in Arizona?
Minimum coverage car insurance costs $90 per month in Arizona, on average. The average cost of full coverage insurance in Arizona is $236 per month. However, every company offers different prices, and what you'll pay depends on your age, driving history, location and credit score.
What is AZ state minimum auto insurance?
Drivers in Arizona must have a car insurance policy with a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, in addition to $15,000 of property damage liability.
How much does car insurance cost in Phoenix vs. Tucson?
Phoenix has the most expensive car insurance of any city in Arizona, while Tucson is closer to average. In Phoenix, drivers pay around $284 per month for a full coverage policy, which is 20% more than the statewide average. In Tucson, the average price is $229 per month, which is 3% less than the state average.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Arizona for some of the largest insurers in the state. Rates are for a 30-year-old man with a 2018 Honda Civic EX who has good credit and a clean driving record, unless otherwise noted.
Full coverage auto insurance quotes include comprehensive and collision coverage, and higher liability coverage limits than the legally required minimums.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rate data was collected using Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes will likely differ.
To calculate rate changes by company, ValuePenguin analyzed publicly available rate filing data from the Arizona Department of Insurance and Financial Institutions. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often segment customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
