The cheapest car insurance company in Arizona is Root, where coverage costs an average of $76 per month, or $916 per year. But Root, founded in 2015 bases rates on your driving skills, so your rates could vary depending on how well you actually drive (and not every driver will be able to get coverage).
If you want coverage from a conventional auto insurance company, Auto-Owners has the cheapest car insurance in Arizona. Other cheap companies in Arizona include GEICO, State Farm, and Travelers. Drivers in the Grand Canyon State should compare rates to see which company is the cheapest for them.
Company | Average monthly cost | Average annual cost |
|---|---|---|
Root | $76 | $916 |
Auto-Owners Insurance | $88 | $1,051 |
GEICO | $91 | $1,087 |
State Farm | $101 | $1,213 |
Travelers | $105 | $1,255 |
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Arizona
Root is a newer insurance company that offers rates based mostly on how you drive instead of factors like your credit, age, or accident history. This means it’s one of the cheapest options for good drivers in states where it’s available.
Pros
A cheaper options for drivers whose rates are normally high
Rates can be very cheap depending on how you drive
Allows drivers to test-drive with Root before committing to a policy
Cons
Will not offer everyone a quote after a test drive
Only offers home insurance in some states
Read our full Root insurance review
Root has the cheapest car insurance in Arizona. On average, the cost of full-coverage insurance from Root is $76 per month. That’s $684 less per year than average in the state.
But not everyone will qualify for car insurance from Root. And due to Root’s usage-based system, it’s possible that your rates will be more expensive than the average cost, depending on how you drive.
Root is a good choice for tech-savvy drivers, since everything can be managed on the official mobile app, but some people may prefer the option to speak to an agent in person.
Auto-Owners tends to be a cheap option for most drivers. Available in 26 states spread out across the country, Auto-Owners brings together affordable coverage and highly-rated customer service.
Pros
Cheap car insurance rates for many drivers
Offers lots of add-ons, like gap coverage and diminished value protection
Receives fewer complaints from policyholders than competitors
Cons
No longer has a usage-based insurance discount
The second-cheapest car insurance in Arizona is Auto-Owners. On average, the cost of car insurance from Auto-Owners in Arizona is $88 per month. That’s $549 cheaper per year than the statewide average in Arizona. Auto-Owners also has the cheapest car insurance from a standard company.
GEICO is nationally available and often has some of the cheapest rates. GEICO gets fewer service complaints than average, even though claims satisfaction can be mixed. Drivers can also customize their car insurance from GEICO with a few useful add-ons.
Pros
Available in every state and the District of Columbia
Usually has some of the cheapest rates
Gets fewer complaints than expected for its service
Allows drivers to add different types of useful coverages to a basic policy
Cons
Mixed reputation for claims satisfaction
Read our full GEICO car insurance review
We found that GEICO has the third-cheapest car insurance in Arizona, at $91 per month, or $1,087 per year for a full-coverage policy. GEICO is a recognizable auto insurance company with a large national presence, but it doesn’t underwrite its own home and renters insurance policies, which can make bundling a hassle.
As the country’s biggest car insurance company, State Farm makes it easy for drivers to get coverage, make claims, and stay in contact. Also, State Farm is one of the cheapest insurers for most drivers, and tends to have great customer service.
Pros
Coverage available in nearly every state (along with in-person offices)
Cheap car insurance, including for some high-risk drivers
Consistently high customer service ratings
Some discounts, especially for good drivers
Cons
Doesn’t offer as many coverage options as some competitors
Read our full State Farm car insurance review
State Farm has the fourth-cheapest car insurance in Arizona. On average, we found that coverage from State Farm costs Arizona drivers $101 per month, or $1,213 per year. While not as cheap as competitors, State Farm still offers annual savings of $387 compared to Arizona’s average.
Travelers has cheaper-than-average car insurance rates (and a long list of discounts). It also offers useful coverage add-ons. But Travelers has weaker claims satisfaction and complaint scores than other providers.
Pros
Lower-than-average rates
Offers useful endorsements like new car replacement, gap coverage
Has a range of discounts that can save drivers money
Coverage is available to all drivers in most states
Cons
Customer service scores are lower than some competitors
Read our full Travelers car insurance review
Travelers is also one of the cheapest car insurance companies in Arizona. The average cost of car insurance from Travelers is $105 per month, or $1,255 each year. That makes Travelers $345 cheaper per year than the statewide average in Arizona.
Best car insurance companies in Arizona
The best car insurance company in Arizona is USAA, according to J.D. Power’s Auto Insurance Study, which scores companies by how their policyholders feel about things like price, transparency, and the claims process. [1] USAA had the highest score of any company in the Southwest region in the most recent report (the average score for the region was 827).
State Farm and GEICO made the best list and our list of the cheapest companies in Arizona, so drivers looking for low rates and great service should start there.
Rank | Company | Score |
|---|---|---|
1 | USAA | 856 |
2 | State Farm | 848 |
3 | The Hartford | 834 |
4 | American Family | 833 |
5 | GEICO | 827 |
Cheapest car insurance companies by age in Arizona
Drivers under the age of 25 will almost always pay more for car insurance thanks to their inexperience behind the wheel.
New and young drivers are more likely to speed, text while driving, and be involved in accidents, which makes them more expensive to insure. Rates drop at age 25 for most drivers, once they’re no longer in the highest-risk age group.
The cheapest car insurance in Arizona for young drivers is Root.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Root | $2,262 |
18 | Root | $1,831 |
21 | Root | $1,277 |
25 | Root | $910 |
30 | Root | $911 |
35 | Root | $919 |
45 | Root | $917 |
55 | Root | $910 |
60 | Root | $908 |
65 | Root | $945 |
70 | Root | $1,071 |
Choosing the right car insurance company in Arizona
No two drivers are alike, which is why car insurance rates can vary so much from person to person. Comparison is essential when it comes to finding the best rates for you, since two different insurance companies can look at the same data and come up with two very different prices.
Policygenius can help you easily compare options and see quotes from top companies, so you can choose the coverage that’s best for you.
Car insurance rates for drivers with driving violations in Arizona
Too many violations and accidents on your driving record can make it difficult to find insurance at all, but even a few violations can increase your car insurance rates.
More serious violations or at-fault accidents will raise your rates even more — so drivers with faults on their records should take extra time to shop around and compare policies.
The cheapest car insurance in Arizona after a driving violation is often State Farm or Root.
Violation | Root | Auto-Owners Insurance | GEICO | State Farm | Travelers |
|---|---|---|---|---|---|
At-fault accident | $1,107 | $1,499 | $1,721 | $1,417 | $1,807 |
Suspended license | $1,128 | $1,918 | $2,186 | $1,309 | $1,985 |
Open container | $952 | $1,918 | $2,186 | $1,309 | $1,711 |
Expired registration | $1,052 | $1,080 | $1,235 | $1,309 | $1,711 |
Driving without lights | $887 | $1,080 | $1,235 | $1,309 | $1,711 |
Running a red light | $1,091 | $1,080 | $1,235 | $1,309 | $1,711 |
Following too closely | $1,091 | $1,080 | $1,235 | $1,309 | $1,711 |
Hit and run | $1,128 | $1,918 | $2,186 | $1,309 | $1,985 |
Not-at-fault accident | $887 | $1,080 | $1,015 | $1,229 | $1,350 |
Passing a school bus | $1,091 | $1,080 | $1,235 | $1,309 | $1,985 |
Reckless driving | $1,089 | $1,918 | $2,186 | $1,309 | $1,985 |
Cheapest car insurance for drivers with a DUI in Arizona
Drivers with a DUI or DWI will pay more for car insurance than drivers with a clean driving record. Arizona drivers pay an average of $1,600 per year for car insurance, but a driver with a DUI will pay 73% more with an average rate of $2,778 per year.
But drivers with a DUI can still compare quotes to find the lowest possible rate. According to our research, Root, State Farm, and Auto-Owners have the lowest rates for drivers with a DUI.
Company | Rates for drivers with DUIs |
|---|---|
Root | $971 |
State Farm | $1,309 |
Auto-Owners Insurance | $1,918 |
Travelers | $1,985 |
GEICO | $2,186 |
Cheapest car insurance for drivers with a speeding ticket in Arizona
Getting a speeding ticket is another way to raise your car insurance rates. Arizona drivers with a speeding ticket on their record pay an average rate of $2,273 per year, which is more than $600 higher than the average rate for drivers who don't have a moving violation on their record.
We found that Root, State Farm, and Auto-Owners have the cheapest average rates for Arizona drivers with a speeding ticket on their record.
Company | Rates for drivers with speeding tickets |
|---|---|
Root | $1,065 |
State Farm | $1,309 |
Auto-Owners Insurance | $1,918 |
Travelers | $1,985 |
GEICO | $2,186 |
Cheapest car insurance for drivers with bad credit in Arizona
Drivers with good credit will generally pay less than drivers with bad credit. But companies consider lots of other factors, and if your record is clean and you continue to make on-time payments and work on raising your credit score, your car insurance rates may eventually go down.
The cheapest insurance in Arizona for drivers with bad credit is Root.
Company | Rates for drivers with bad credit |
|---|---|
Root | $1,127 |
GEICO | $1,561 |
Travelers | $2,087 |
Farm Bureau | $2,134 |
Safeway Insurance | $2,361 |
Car insurance costs in Arizona cities
Insurance premiums can vary from city to city, because car insurance companies consider factors specific to your area, like crime rate, population density, repair costs, and the number of accidents and claims in a given place. Average car insurance rates in the ten largest cities in Arizona are:
Phoenix: $2,045
Tucson: $1,665
Mesa: $1,741
Chandler: $1,718
Scottsdale: $1,740
Gilbert: $1,700
Glendale: $1,986
Tempe: $1,783
Peoria: $1,838
Surprise: $1,682
Buying car insurance in Arizona
The law in Arizona requires all drivers to have at least a minimum amount of liability insurance. The Arizona minimum liability requirements are $25,000 per person and $50,000 per accident in body liability coverage and $15,000 in property damage liability coverage. Uninsured/underinsured motorist coverage is optional in Arizona (but recommended).
In the case of a car accident, Arizona is an at-fault state. That means that the driver found at-fault for an accident will be legally and financially responsible for the resulting damage and injuries, and claims will be filed with the at-fault driver’s insurance.
Arizona also has modified comparative negligence laws. This means each driver in an accident can be attributed a percentage of the fault. To fully protect themselves, Arizona drivers should have more than the minimum levels of liability insurance.
How to get cheap car insurance in Arizona
Most car insurance companies offer a range of discounts, which can add up to significant savings. Some of the most common are:
Bundling discount
Safe driver discount
Good student discount
Accident-free discount
Multi-vehicle discount
Low mileage discount
Military discount
If you are not eligible for any discounts, you can still find the cheapest rates by comparing quotes from different companies before you buy. You should regularly reshop your car insurance to make sure you’re still getting the best rates.
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Frequently asked questions
Who has the cheapest car insurance in Arizona?
Root has the cheapest average rates for car insurance, but it's a non-traditional company that uses primarily your driving behavior to set your rates. Not everyone will be eligible. Auto-Owners is the cheapest insurer for most.
Will my gender impact my car insurance premiums in Arizona?
Gender and marital status do play a role in determining premiums in Arizona, but neither are major factors. Your age, where you live and your driving history all have a much bigger impact on what you’ll pay for car insurance.
Is Arizona a no-fault state or an at-fault state?
Arizona is an at-fault state, which means the insurance of the driver who is at-fault for an accident will pay for the other party’s medical bills or repair costs.
How much is car insurance per month in Arizona?
The average cost of car insurance in Arizona is $133 per month, or $1,600 per year.
