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Auto-Owners offers the cheapest minimum liability coverage in Arizona, while Geico offers the cheapest full-coverage car insurance in the state.
Discover if you are overpaying for car insurance below.
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Key Takeaways:
We at the MarketWatch Guides team have researched the country’s best car insurance companies, and are prepared find you the cheapest auto insurance options in Arizona. You’ll also find our top picks for car coverage and important information about auto insurance costs, rules and regulations in the Grand Canyon State.
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Learn more about our methodology and editorial guidelines.
Geico offers the cheapest car insurance rates on average in Arizona. Rates from the company are $373 per year for minimum liability policies and $1,173 per year for full coverage plans.
Rates for car insurance vary depending on many factors, so the best rates for you will depend on your unique situation. Below we’ve broken down the lowest rates for each category of coverage.
| Cheapest Car Insurance in Arizona (by category) | Company | Average Monthly Premium |
| Minimum Liability Coverage | Auto-Owners | $30 |
| Full Coverage | Geico | $98 |
| Young Drivers | Geico | Varies by age* |
| Seniors | Geico | Varies by age* |
| After A Speeding Ticket | Geico | $120* |
| After An Accident | Geico | $159* |
| After A DUI | State Farm | $157* |
| Bad Credit | Geico | $151* |
Through our research, we’ve found the five cheapest car insurance companies in Arizona:
Click on any of our top providers to learn more about their offerings. Below, we break down the cheapest large and midsize insurance companies in the Grand Canyon State.
Unless otherwise specified, our average rates are based on the profile of an unmarried 35-year-old driving a 2022 Toyota Camry, as it is representative of a large group of drivers unaffected by factors that raise rates.
Among the large car insurance companies, Geico, Travelers, Progressive, State Farm, Allstate and USAA are the cheapest. According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto. You’ll find the lowest rates on average from these providers in Arizona.
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Arizona.
Read more: Largest Car Insurance Companies
For mid-size car insurance companies in Arizona, we found that Auto-Owners, The Hartford and CSAA Insurance provide the cheapest rates. J.D. Power defines midsize insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. You can compare the average premiums and cost ratings for each company below.
| Top Companies for Car Insurance in Arizona | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | Cost Rating (Entire U.S.)* | Learn More |
|---|---|---|---|---|---|
| $356 | $1,470 | 12 | 8.6 | ||
| $862 | $2,715 | 9 | 7.0 | ||
| $926 | $2,746 | 18 | 7.5 |
| Top Companies for Car Insurance in Arizona | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | Cost Rating (Entire U.S.)* | Learn More |
|---|---|---|---|---|---|
| $356 | $1,470 | 12 | 8.6 | ||
| $862 | $2,715 | 9 | 7.0 | ||
| $926 | $2,746 | 18 | 7.5 |
Coverage level has a major impact on how much you will pay for car insurance. Many quotes from providers include estimates for minimum liability and full-coverage car insurance.
Below are the cheapest auto insurance options in Arizona for both coverage types.
The cheapest minimum liability auto insurance policy for Arizona drivers costs $30 per month through Auto-Owners.
| Company | Average Monthly Rate | Average Annual Rate |
| Auto-Owners | $30 | $356 |
| Geico | $31 | $373 |
| Travelers | $42 | $500 |
| State Farm | $45 | $538 |
| Progressive | $58 | $699 |
| USAA* | $26 | $312 |
| *USAA auto insurance is only available to military members, veterans and their families. | ||
Read more: Cheapest Liability-Only Car Insurance
Geico tends to offer the cheapest full-coverage car insurance policy in Arizona, at an average cost of $98 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $98 | $1,173 |
| Travelers | $120 | $1,441 |
| Auto-Owners | $123 | $1,470 |
| Progressive | $143 | $1,721 |
| State Farm | $148 | $1,778 |
Read more: Cheapest Full-Coverage Car Insurance
Below, you can compare average rates for drivers between the ages of 16 to 55 in the state:
| Age | Average Monthly Rate | Average Annual Rate |
| 16 | $707 | $8,495 |
| 25 | $194 | $2,332 |
| 35 | $167 | $2,008 |
| 45 | $159 | $1,913 |
| 55 | $147 | $1,766 |
Young drivers often pay much more for car insurance than adults, according to our rate data. The series of tables below shows the cheapest full-coverage auto insurance for young drivers aged 16 through 25 in the Grand Canyon State along with estimated monthly and annual costs.
Read more: Best Car Insurance for Teens and Young Drivers
Geico typically offers the cheapest rates on average for 16-year-old drivers in Arizona at a cost of $299 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $299 | $3,596 |
| Travelers | $385 | $4,626 |
| Auto-Owners | $415 | $4,986 |
| State Farm | $537 | $6,454 |
| Allstate | $692 | $8,309 |
Geico offers the cheapest car insurance rates for 17-year-old drivers in the Copper State at an average of $215 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $215 | $2,591 |
| Auto-Owners | $257 | $3,093 |
| CSAA | $325 | $3,900 |
| State Farm | $360 | $4,325 |
| Travelers | $376 | $4,516 |
Note: Costs were taken from 2022 information.
Geico tends to be the cheapest option for 18-year-old drivers in Arizona at an average cost of $179 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $179 | $2,151 |
| Auto-Owners | $235 | $2,827 |
| CSAA | $303 | $3,647 |
| Travelers | $315 | $3,781 |
| State Farm | $316 | $3,796 |
Note: Costs were taken from 2022 information.
Geico is the cheapest option for 19-year-old Arizona drivers at a rate of $146 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $146 | $1,756 |
| Auto-Owners | $204 | $2,453 |
| Travelers | $266 | $3,193 |
| Progressive | $272 | $3,264 |
| State Farm | $277 | $3,331 |
Note: Costs were taken from 2022 information.
In the Grand Canyon state, Geico offers the cheapest rates on average for 21-year-old drivers at $114 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $114 | $1,376 |
| Auto-Owners | $158 | $1,905 |
| Progressive | $188 | $2,263 |
| Travelers | $196 | $2,362 |
| USAA* | $173 | $2,079 |
| *USAA auto insurance is only available to military members, veterans and their families. | ||
Note: Costs were taken from 2022 information.
On average, Geico provides the cheapest car insurance estimates for 25-year-old drivers at a cost of $109 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $109 | $1,308 |
| Travelers | $128 | $1,539 |
| Progressive | $161 | $1,935 |
| Auto-Owners | $164 | $1,978 |
| State Farm | $178 | $2,141 |
Geico offers the cheapest car insurance in Arizona for seniors in the state with average annual rates of $1,151 for a full-coverage policy. The sections below will break down costs for car insurance in Arizona for 65 to 75-year-old drivers.
Read more: Best Car Insurance for Seniors
Geico typically offers the most affordable rates for drivers in their mid-60s, averaging $89 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $89 | $1,077 |
| Auto-Owners | $98 | $1,180 |
| Progressive | $108 | $1,302 |
| Travelers | $112 | $1,346 |
| USAA* | $104 | $1,257 |
| *USAA auto insurance is only available to military members, veterans and their families. | ||
Note: Costs were taken from 2022 information.
Geico, which costs an average of $102 per month for 75-year-old Arizona drivers, is the cheapest option in the state.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $102 | $1,225 |
| Auto-Owners | $119 | $1,429 |
| Progressive | $133 | $1,596 |
| Travelers | $134 | $1,613 |
| USAA* | $128 | $1,547 |
| *USAA auto insurance is only available to military members, veterans and their families. | ||
Note: Costs were taken from 2022 information.
Geico provides the cheapest overall auto insurance rates on average for bad driving records, according to our research. While State Farm is the cheapest provider for Arizona drivers with a DUI, Geico will typically be the cheapest option for those with a history of tickets, accidents or poor credit. The sections below detail monthly and annual average full-coverage rates for drivers who fall into one of these categories.
Read more: Best High-Risk Auto Insurance
Geico offers the most affordable rates for drivers in Arizona that have received a speeding ticket, at an average cost of $120 per month for a full-coverage policy.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $120 | $1,446 |
| Travelers | $152 | $1,830 |
| State Farm | $157 | $1,893 |
| Progressive | $189 | $2,278 |
| USAA* | $199 | $2,397 |
| *USAA auto insurance is only available to military members, veterans and their families. | ||
If you’re found at fault for a car accident, the cheapest rates you’ll find in the Grand Canyon State are with Geico, at an average of $159 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $159 | $1,912 |
| Travelers | $163 | $1,963 |
| Auto-Owners | $168 | $2,026 |
| State Farm | $170 | $2,047 |
| Progressive | $220 | $2,648 |
Arizona drivers with a DUI on their record will find the cheapest average rates through State Farm at a cost of $157 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| State Farm | $157 | $1,893 |
| Travelers | $169 | $2,038 |
| Progressive | $170 | $2,042 |
| Geico | $206 | $2,474 |
| Auto-Owners | $215 | $2,582 |
Geico offers an average rate for Arizona drivers with poor credit that costs approximately $151 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $151 | $1,813 |
| Travelers | $180 | $2,170 |
| Progressive | $235 | $2,826 |
| Allstate | $314 | $3,779 |
| USAA* | $315 | $3,785 |
| *USAA auto insurance is only available to military members, veterans and their families. | ||
Read more: Car Insurance for Bad Credit
The best way to get cheap car insurance in Arizona is by comparing rates from multiple providers and looking for deals in your area. We recommend speaking with a local insurance agent to learn more about how to save on auto insurance.
Read more: How To Save Money on Car Insurance
When getting a car insurance quote from a provider, companies use a variety of factors to determine your rates.
The most significant factors that insurers use to determine car insurance costs in Arizona include:
Read more: Compare Car Insurance
Below, you can get personalized cheap auto insurance quotes for your specific location in Arizona.
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The table below compares auto insurance deals and discounts by top providers in the Grand Canyon state, which we’ll discuss in further detail below.
| Arizona Car Insurance Discounts | Geico | Auto-Owners | Travelers | USAA | Progressive |
| Multi-policy | ✔ | ✔ | ✔ | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ | ✔ | ✔ | ✔ |
| Safe driver | ✔ | ✔ | ✔ | ✔ | |
| Student | ✔ | ✔ | ✔ | ✔ | ✔ |
| Defensive driving | ✔ | ✔ | ✔ | ||
| Driver training | ✔ | ✔ | ✔ | ||
| New vehicle | ✔ | ✔ | ✔ | ||
| Car safety equipment | ✔ | ✔ | ✔ | ||
| Loyalty | ✔ | ✔ | ✔ | ✔ | |
| Military | ✔ | ✔ | ✔ |
Here are more details about the standard car insurance discounts:
Read more: Car Insurance Discounts
The cheapest car insurance companies in Arizona are Geico, Auto-Owners, Travelers, USAA and Progressive. Below, we go into more detail about each company’s offerings, reputation, customer ratings and history.
Cheapest car insurance rate in Arizona: $31 per month
Cheapest coverage in Arizona for: High-risk drivers, seniors, young drivers and full-coverage
Number of discounts: 12
Geico is the best cheap insurance provider in Arizona. From 18-year-olds to 75-year-olds, Geico offers the cheapest rates for nearly every single type of driver in the state. In our nationwide review of the best auto insurance providers, the insurance titan garnered a score of 9.1 out of 10 for its industry standing, cost, coverage and discounts.
Geico provides full-coverage car insurance at average costs of $1,173 per year or $98 per month. This is around 41% cheaper than the state average of $2,008 per year or $167 per month, based on our rate data.
The company offers all standard types of car insurance coverage. However, Geico also provides add-ons including emergency road service, rental reimbursement and mechanical breakdown insurance (MBI).
Below we’ve compiled Geico’s car insurance discounts for Arizona residents:
Keep reading: Geico Insurance Review
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Drivers in the Grand Canyon state pay slightly higher rates for car insurance than other states. We found that the average estimated rate for full-coverage car insurance in Arizona is $2,008 per year or $167 per month, based on the profile of an unmarried 35-year-old driver with a good credit score and a clean driving record. That’s the exact same cost as the national average of $2,008 per year. However, minimum coverage is about $8 more expensive than the national average of $627 per year.
Read more: Average Cost of Car Insurance
Auto insurance rates vary by city to account for different risk factors in Arizona and across the country. Typically, drivers in urban areas like Phoenix pay higher rates than those in rural areas. This table shows the average full-coverage rate estimates, according to our research, for several Arizona cities based on the profile of a 35-year-old driver with good credit and a clean driving record.
| City in Arizona | Estimated Monthly Cost | Estimated Annual Cost |
| Avondale | $154 | $1,852 |
| Buckeye | $143 | $1,721 |
| Casa Grande | $131 | $1,571 |
| Casas Adobes | $136 | $1,627 |
| Catalina Foothills | $143 | $1,712 |
| Chandler | $147 | $1,762 |
| Flagstaff | $124 | $1,485 |
| Gilbert | $145 | $1,742 |
| Glendale | $167 | $2,006 |
| Goodyear | $139 | $1,668 |
| Lake Havasu City | $113 | $1,351 |
| Marana | $140 | $1,677 |
| Maricopa | $137 | $1,640 |
| Mesa | $149 | $1,790 |
| Oro Valley | $136 | $1,627 |
| Peoria | $148 | $1,777 |
| Phoenix | $180 | $2,164 |
| Prescott Valley | $120 | $1,436 |
| Queen Creek | $143 | $1,711 |
| San Tan Valley | $143 | $1,711 |
| Scottsdale | $148 | $1,773 |
| Surprise | $140 | $1,681 |
| Tempe | $154 | $1,845 |
| Tucson | $142 | $1,701 |
| Yuma | $127 | $1,523 |
It’s typically a bit more expensive to get car insurance in Arizona than in other states. See each state’s average car insurance rates below.
| State | Average Annual Minimum Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $502 | $1,775 |
| Alaska | $486 | $1,685 |
| Arizona | $635 | $2,008 |
| Arkansas | $451 | $2,038 |
| California | $602 | $2,313 |
| Colorado | $566 | $2,173 |
| Connecticut | $980 | $1,919 |
| Delaware | $1,194 | $2,881 |
| Florida | $1,385 | $3,244 |
| Georgia | $680 | $1,973 |
| Hawaii | $529 | $1,656 |
| Idaho | $378 | $1,402 |
| Illinois | $441 | $1,541 |
| Indiana | $432 | $1,587 |
| Iowa | $274 | $1,563 |
| Kansas | $475 | $1,918 |
| Kentucky | $682 | $2,522 |
| Louisiana | $925 | $3,040 |
| Maine | $380 | $1,238 |
| Maryland | $901 | $1,833 |
| Massachusetts | $754 | $2,430 |
| Michigan | $1,360 | $3,643 |
| Minnesota | $481 | $1,766 |
| Mississippi | $453 | $1,658 |
| Missouri | $560 | $2,104 |
| Montana | $398 | $1,979 |
| Nebraska | $356 | $1,871 |
| Nevada | $1,283 | $2,788 |
| New Hampshire | $415 | $1,362 |
| New Jersey | $1,332 | $2,513 |
| New Mexico | $536 | $1,943 |
| New York | $870 | $2,088 |
| North Carolina | $469 | $1,627 |
| North Dakota | $445 | $1,916 |
| Ohio | $536 | $1,599 |
| Oklahoma | $516 | $2,278 |
| Oregon | $953 | $1,925 |
| Pennsylvania | $437 | $1,981 |
| Rhode Island | $1,036 | $2,357 |
| South Carolina | $701 | $1,845 |
| South Dakota | $328 | $2,291 |
| Tennessee | $404 | $1,524 |
| Texas | $683 | $2,205 |
| Utah | $732 | $1,928 |
| Vermont | $310 | $1,199 |
| Virginia | $545 | $1,781 |
| Washington | $561 | $1,616 |
| Washington, D.C. | $686 | $2,218 |
| West Virginia | $604 | $2,177 |
| Wisconsin | $408 | $1,694 |
| Wyoming | $308 | $1,702 |
Read more: Car Insurance Rates By State
All drivers in the Grand Canyon State are required by Arizona law to at least carry basic liability coverage for car insurance. To drive legally, drivers must maintain the following state minimum coverage limits:
Liability car insurance covers other drivers and their passengers in the case of accidents you cause. Your car and medical bills aren’t covered if you get into an accident or run into a stationary object, though. If you want more extensive protection, consider adding the following to your auto policy:
The state of Arizona requires commercial auto insurance for vehicles used in business, but requirements depend on how the vehicle is used.
For passenger vehicles, Arizona requirements are:
For vehicles transporting non-hazardous materials, requirements are weight dependent:
For hazardous materials carriers, requirements are:
Read more: Best Commercial Auto Insurance
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Driving without the minimum required insurance is illegal in the state of Arizona. Those caught driving without car insurance in Arizona can be charged with a civil violation and have their vehicle registration and driver’s license suspended.
To have your registration and license reinstated, you’ll need to pay fines and fees. You may also need to file future proof of insurance with the Arizona Motor Vehicle Department (MVD), usually an SR-22 certificate.
Geico is generally the cheapest car insurance provider in Arizona and offers many perks for drivers. USAA, Progressive, State Farm and Travelers also tend to offer affordable insurance rates in Arizona and give drivers multiple coverage options.
When purchasing car insurance, keep in mind that your rate will depend on your situation and how each company weighs different factors. To ensure you get the best deal possible, compare car insurance quotes from multiple providers.
In this article, we reviewed the cheapest car insurance companies, plans and rates in the state of Arizona. We also looked at the average cost of auto insurance and the coverage requirements in the Grand Canyon State.
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Below are some common frequently asked questions about cheap car insurance in Arizona:
Our rate estimates show that Arizona drivers pay an average of $167 per month for full car insurance coverage. This estimate is based on a 35-year-old driver with a good credit score and clean driving record.
The average annual cost of full-coverage car insurance in Arizona is $2,008. However, your auto insurance policy cost will depend on your circumstances and your vehicle. Insurance providers typically look at your age, gender, marital status, driving record and credit score.
Arizona’s minimum required coverage limits are $25,000 per person and $50,000 per accident for bodily injury coverage and $15,000 per accident for property damage coverage.
Arizona car insurance can be expensive because nearly 12% of drivers in the state are uninsured, according to the Insurance Research Council (IRC). When large numbers of drivers don’t have coverage, car insurance rates go up due to increased risk on the road.
Full coverage car insurance in Arizona is generally considered to be a combination of liability car insurance, collision insurance and comprehensive insurance. In Arizona, drivers must hold at least $25,000 per person and $50,000 per accident in bodily injury coverage and a minimum of $15,000 for property damage coverage.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.
