Cheapest Car Insurance, Arizona: A Comprehensive Guide
Car insurance in Arizona is cheaper than the national average, but rates vary widely based on age, location, driving history, and coverage level. This guide breaks down average costs, the cheapest insurers by driver profile, and practical steps to secure affordable coverage across the state.
Arizona has a competitive car insurance market, which is why finding the cheapest options is one of the best ways to save money. This guide explores details about auto insurance in Arizona, including which companies have the cheapest car insurance rates based on your profile.
How Much Does Car Insurance Cost in Arizona?
The average cost of car insurance in Arizona ranges between $1,042 and $2,637 annually for full coverage, or $87 to $220 per month. It’s lower than the national average. The cost varies because of factors such as level of coverage and age. We compare car insurance quotes to help you find the best rates based on your profile and driving history.
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Key Factors Affecting Car Insurance Costs in Arizona
Several factors affect auto insurance rates in Arizona. They include:
- Age: Younger drivers tend to pay more because they’re at a higher risk of accidents. On the other hand, drivers over 25 often enjoy lower rates.
- Location: Where you live in Arizona can affect your car insurance costs. Urban areas usually have more expensive rates due to higher traffic density and increased risk of collisions.
- Driving History: A clean driving record will give you lower insurance rates. Meanwhile, violations such as DUIs can raise premiums.
- Coverage Level: Minimum liability coverage is cheaper, while comprehensive coverage costs more.
- Vehicle Type: The make and model of your car can also affect your insurance premium. For example, luxury cars cost more to insure because of higher repair costs and the likelihood of theft.
Cheap Auto Insurance, Arizona: By Coverage Levels
Car insurance comes in various coverage levels. Arizona has minimum auto insurance requirements, but any driver can opt for additional coverage. Minimum coverage is the cheapest option. Geico offers the most affordable rates for this coverage level with an average annual premium of $433.
On the other hand, Travelers is the most affordable option for full coverage (includes comprehensive and collision coverage), offering an average annual premium of $1,436.
| Company | Full Coverage (Annual) | Mimumum Coverage (Annual) |
|---|---|---|
| Geico | $1,535 | $433 |
| Travelers | $1,436 | $461 |
| USAA | $2,036 | $551 |
Source: Cheapest car insurance in Arizona for 2025 (Bankrate)
Cheap Car Insurance, Arizona: By Age
Auto insurance rates vary based on age. Young drivers, specifically teenagers, tend to pay higher insurance rates than older drivers. However, many insurance companies offer affordable coverage to these age groups.
Teens (17 Years Old)
Teens aged 17 often pay the highest premiums in the state. It's because insurers see them as high risk due to their likelihood of being involved in car accidents and high-risk driving behavior.
According to US News, teens in Arizona pay an average of $7,605 to $8,691 for car insurance. However, teens can find cheaper insurance with Root. The company offers the lowest auto insurance rates for drivers in this category: $3,138 for female motorists and $3,176 for male drivers annually.
See table on: Cheap Car Insurance for Teens and Young Adults in Arizona.
Young Adults (25 Years Old)
Once you reach 25, insurance rates tend to drop as drivers have more driving experience. Motorists in this age group can find the cheapest coverage options with Root. The company offers $1,431 per year for females and $1,377 per year for males.
Cheap Car Insurance for Teens and Young Adults in Arizona
| Company | 17 Year Old Female | 17 Year Old Male | 25 Year Old Female | 25 Year Old Male |
|---|---|---|---|---|
| Root | $3,138 | $3,176 | $1,431 | $1,377 |
| Geico | $3,519 | $3,727 | $1,733 | $1,641 |
| Travelers | $4,349 | $5,356 | $1,595 | $1,671 |
| Auto Owners | $5,181 | $6,763 | $2,871 | $2,724 |
Source: Cheapest Car Insurance in Arizona for 2025 (US News)
Adults (40 Years Old)
Drivers in their 40s tend to have affordable premiums because they have more experience and are less likely to be involved in car accidents. Many insurers offer drivers in this category affordable coverage, with the cheapest premium coming from Travelers for females at $1,381 per year and Root for males at $1,406 per year.
See table on: Cheap Car Insurance for Adults and Seniors in Arizona.
Seniors (60 Years Old)
Drivers in their 60s get lower premiums because they drive fewer miles and have a lot of experience. However, beyond age 70, insurers can increase premiums due to health concerns, such as hearing loss, that may affect driving ability.
Senior drivers can find cheap car insurance in Arizona from Travelers and Progressive. Travelers is the most affordable for female seniors at $1,253 per year, while Progressive is the cheapest for males, at $1,282.
Cheap Car Insurance for Adults and Seniors in Arizona
| Company | 40 Year Old Female | 40 Year Old Male | 60 Year Old Female | 60 Year Old Male |
|---|---|---|---|---|
| Travelers | $1,381 | $1,445 | $1,253 | $1,322 |
| Root | $1,420 | $1,406 | $1,320 | $1,412 |
| Geico | $1,558 | $1,640 | $1,577 | $1,753 |
| Auto Owners | $2,000 | $2,000 | $1,848 | $1,848 |
Source: Cheapest Car Insurance in Arizona for 2025 (US News)
Cheapest Arizona Car Insurance for High-Risk Drivers
Good drivers in Arizona often receive the most affordable car insurance rates because they’re less of a risk to the insurer.
On the other hand, people with driving violations such as speeding tickets and DUIs will face higher rates. Providers consider them high-risk drivers. There are several insurance companies that offer affordable rates to motorists in this category.
Drivers With 1 Speeding Violation
Drivers with one speeding ticket in Arizona can find the most affordable rates with Root. The company offers the lowest average sample premiums at $1,583 per year, which is much lower than the statewide average of $3,036 for drivers in this category.
Drivers With 1 Accident
Drivers in Arizona with one at-fault accident on their record pay an average of $3,571 per year. However, you can find cheaper coverage with Root. This company has the lowest average sample premium for motorists in this group at $1,793 per year.
Drivers With 1 DUI
A DUI conviction is one of the most serious traffic offenses, and it leads to the highest insurance rates of the three violations. Drivers can find the lowest rates with Root at $1,509 per year. This amount is well below the statewide average of $3,694 per year for drivers in this group.
| Company | 1 Speeding Violation | 1 Accident | 1 DUI |
|---|---|---|---|
| Root | $1,583 | $1,793 | $1,509 |
| Travelers | $1,949 | $2,021 | $2,210 |
| Progressive | $2,356 | $2,524 | $2,081 |
| Geico | $2,222 | $2,530 | $3,335 |
Source: Cheapest Car Insurance in Arizona for 2025 (US News)
Cheapest Car Insurance, Arizona: By City
Certain cities in Arizona attract higher insurance costs than others. Phoenix and Tucson are such cities with high insurance rates due to heavy traffic and greater rates of vehicle theft. Rural areas, on the other hand, have lower premiums.
Therefore, motorists should consider their area of residence when looking for the cheapest car insurance in the state. The following cities offer the most affordable premiums:
| City | Average Annual Minimum Coverage |
|---|---|
| Ganado | $612 |
| Chambers | $619 |
| Teec Nos Pos | $618 |
| Window Rock | $638 |
| Saint Michaels | $617 |
Source: Cheapest car insurance in Arizona for 2025 (Bankrate)
Cheapest Auto Insurance, Arizona: By Credit History
In Arizona, as in many states, car insurance depends on your credit history. Insurers use your credit information to create a credit-based insurance score, which determines your premiums.
Drivers with good credit often pay the cheapest rates, while those with poor credit face higher premiums. The cheapest auto insurance for drivers with bad credit is Root, at $1,762 annually. Similarly, those with good credit can find the best rates with Root at $1,394 per year.
| Company | Poor Credit | Good Credit |
|---|---|---|
| Root | $1,762 | $1,394 |
| Travelers | $2,239 | $1,445 |
| Progressive | $2,523 | $1,606 |
| Geico | $2,573 | $1,650 |
Source: Cheapest Car Insurance in Arizona for 2025 (US News)
Car Insurance Requirements in Arizona
According to the Arizona Department of Transportation (ADOT), the state requires drivers to have minimum coverage as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
These minimum insurance requirements are for liability coverage, meaning the policy only covers medical bills and property damage for the other party.
Risks of Getting Minimum Coverage
State minimum requirements can leave you financially vulnerable. For example, if you’re the at-fault driver in an accident involving multiple cars, minimum coverage may not be enough to pay for all the damage. Therefore, you would have to pay the remaining amount while covering your own expenses. This is why many drivers go for higher limits and more coverage.
Optional Car Insurance Coverages
Besides the mandatory liability insurance, Arizona drivers can get optional coverages, including:
1. Comprehensive Coverage
This insurance pays for your vehicle after a non-collision-related incident. This includes theft and natural disasters. It can also help cover costs after vandalism and fire. This coverage option is ideal for people with newer and more expensive cars.
2. Collision Coverage
Collision coverage pays for damages to your car after an accident, regardless of fault. Financial institutions, such as lenders, require you to have this coverage if you finance or lease your vehicle.
3. Roadside Assistance
This coverage is for non-accident-related vehicle breakdowns. Depending on the company, you can get assistance such as towing, jump starts, fuel delivery, and flat tire changes.
4. Medical Payments Coverage
Medpay covers your medical expenses if you’re injured in an accident, regardless of fault. It also covers your passengers' medical bills.
Tips for Getting Cheap Auto Insurance in Arizona
- Compare Quotes: Always compare car insurance quotes from multiple companies to find the best deal for your profile and driving history.
- Maintain a Clean Record: Avoid speeding tickets, accidents, and DUIs to keep your premiums low.
- Increase Your Deductible: By increasing your deductible, you can lower your monthly premiums. However, always make sure you can afford this before opting for it.
- Take Advantage of Discounts: Many insurers offer discounts, such as those for good students and safe drivers. Ask about which discounts are available to you. For example, enrolling for State Farm's Drive Safe & Save and practicing safe driving habits can lead to discounts.
- Maintain Good Credit: A higher score translates to lower rates. So, work on improving your credit score.
Frequently Asked Questions
How do I Show Proof of Car Insurance in Arizona?
A licensed driver can show proof of car insurance through a physical or digital insurance card, which the insurer provides. You can also show a copy of your insurance policy.
Did Auto Insurance Rates Go Up in Arizona?
Yes, car insurance costs in Arizona have increased due to factors such as severe weather, population growth, increased traffic, and rising repair costs.
Can You Get Car Insurance Without a License in Arizona?
No, you cannot legally purchase car insurance without a valid driver’s license in Arizona. You also cannot drive legally in the state without a license. However, you can get insurance with a learner's permit.
What is the Best Car Insurance Company in Arizona?
The best car insurance company for you depends on factors such as age and driving history. For example, Root offers the best rates to teens and high-risk drivers.
How Much Does Car Insurance in Arizona Cost?
The average cost of car insurance in Arizona is $1,042 to $2,637 annually for full coverage. It’s lower than the national average and varies depending on your profile. Therefore, always compare car insurance quotes to find the cheapest options.
