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Drivers in Arizona live in the 18th most-expensive state for car insurance and pay an average of $239 per month. If you’re in the market for car insurance, shopping around for quotes from multiple providers ensures you’ll find cheap auto insurance.
It’s easy to compare quotes online with a comparison tool. You’ll likely need to enter your ZIP code and other driving profile information to compare quotes.
The average cost of car insurance in Arizona is $239/mo.
Travelers is the cheapest top provider in Arizona with average rates of $144/mo.
The easiest way to cut car insurance costs is to compare quotes online.
Table of contents
- Best cheap car insurance in Arizona: Travelers
- Minimum car insurance requirements in Arizona
- Tips for getting cheap car insurance in Arizona
- Liability-only vs. full-coverage insurance in Arizona
- How your driving history affects Arizona car insurance rates
- How credit scores affect Arizona car insurance quotes
- How your hometown affects Arizona insurance quotes
- How your age affects your Arizona car insurance rates
- Arizona car insurance FAQs
Best cheap car insurance in Arizona: Travelers
Travelers offers some of the cheapest car insurance premiums for Arizona drivers, with average rates of $144 per month. The average monthly car insurance rate in Arizona is much higher, at $239 per month, so Travelers is an affordable option. Other top providers with the cheapest rates include Nationwide, State Farm, and GEICO.
|Car Insurance Company||Insurify Composite Score||Average Monthly Quote|
|Midvale Home & Auto||N/A||$199|
Learn More: Best Car Insurance Companies
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch, J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, and user-generated company reviews.
Minimum car insurance requirements in Arizona
Arizona requires insurance for all motor vehicles operated or parked on state roadways. You’ll need to carry proof of insurance in your car at all times and have it be available when:
Law enforcement requests it
You renew your vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Arizona are:
$25,000 per person/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$15,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Arizona DMV information
Every driver in Arizona will likely need to visit the DMV at some point, and DMVs can be found in most major cities around Arizona. The Arizona DMV gives you quick access to online services, vehicle title and registration assistance, vehicle registration renewal, driver services, driver’s license renewal, and other vehicle services.
Public transportation in Arizona
For Arizona residents who don’t want to or can’t drive, plenty of public transportation options are available around the state, including a local, express, and rapid commuter bus service; light-rail; streetcar; neighborhood circulators; rural route; paratransit service; vanpool service; and commuter programs. The Valley Metro public transportation agency covers 513 square miles.
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Tips for getting cheap car insurance in Arizona
If you’re in the market for a new auto insurance policy, comparing quotes from several insurance providers is a reliable way to discover the best rates and quality coverage. The online comparison tool from Insurify will pull together the best auto insurance rates from top insurers in Arizona that match your driver profile, potential insurance discounts, and coverage needs.
You can also take other steps to reduce car insurance costs, including:
Seek discounts, such as good driver or good student discounts.
Bundle your homeowners or renters insurance with your car insurance.
Maintain a good credit score.
Liability-only vs. full-coverage insurance in Arizona
If you live in Arizona, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:
You have a low-value vehicle.
You can afford to repair or replace your car out of your own pocket.
Getting the cheapest insurance possible is your top priority.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the cheapest auto insurance in Arizona by policy type.
|Car Insurance Company||Average Monthly Quote: Liability||Average Monthly Quote: Full Coverage|
|Midvale Home & Auto||$199||$199|
How your driving history affects Arizona car insurance rates
Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Arizona. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.
See More: High-Risk Car Insurance Arizona
Here’s a look at average monthly quotes for the cheapest car insurance in Arizona based on driving and accident history.
|Car Insurance Company||Clean Record||At-Fault Accident||With a DUI||Speeding Ticket|
|Midvale Home & Auto||$177||$269||$350||$297|
See More: DUI Car Insurance Arizona
SR-22 insurance in Arizona
An SR-22, or a certificate of financial responsibility, may be ordered by the court if you have a major traffic violation like a DUI. The form is filed by your insurance provider and certifies that you have the state’s minimum liability insurance. These companies can help you get SR-22 insurance in Arizona.
How credit scores affect Arizona car insurance quotes
Arizona allows insurance companies to consider your credit history to estimate your risk for car insurance claims. Generally, drivers with excellent and good credit will see the lowest monthly premiums, while drivers with poor credit will pay more. Find rates for Arizona drivers based on the credit score tier below.
|Credit Tier||Average Monthly Quote|
See More: Bad Credit Car Insurance Arizona
How your hometown affects Arizona insurance quotes
The cost of car insurance in Arizona varies by city, and sometimes even from neighborhood to neighborhood. That’s because population, weather, crime rates, and road conditions all affect how risky your car is to insure. Average rates for car insurance in major Arizona cities are shown in the table below.
How your age affects your Arizona car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. The following table gives a high-level view of how age can affect insurance rates in Arizona.
Quotes for younger drivers
New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table compares how different insurance factors affect average monthly rates for drivers younger than 30.
|Car Insurance Company||Liability Only||Full Coverage||With Accident||With DUI|
|Midvale Home & Auto||$211||$281||$303||$263|
Quotes for middle-aged drivers
Middle-aged drivers generally pay lower insurance rates than younger or less-experienced drivers. However, incidents like DUIs or at-fault accidents can increase their rates significantly. Here’s a look at monthly average Arizona car insurance rates for middle-aged drivers.
|Car Insurance||Liability Only||Full Coverage||With Accident||With a DUI|
|Midvale Home & Auto||$115||$165||$211||$147|
Quotes for senior drivers
Generally, car insurance rates decline as you grow older and gain driving experience. But drivers in their 70s often see their premiums begin to increase. This is because insurers view the slowing reflexes and declining eyesight associated with growing older as factors that increase your risk of filing an insurance claim.
Here are average monthly rates for senior drivers in Arizona.
|Car Insurance Company||Liability Only||Full Coverage||With Accident||With DUI|
|Midvale Home & Auto||$103||$131||$177||$117|
Arizona car insurance FAQs
The top auto insurance providers with the lowest monthly rates for full-coverage car insurance include Travelers, Nationwide, and Progressive, ranging from $144 to $202 and falling below the national average. A number of smaller and more regional insurers offer even lower monthly average rates depending on driver specifics, including Mile Auto at $111 per month.
Notably, Travelers ranks as the cheapest top provider in most of the driver categories listed, including the cheapest overall for minimum and full-coverage insurance. Young drivers in Arizona find the cheapest rates by driver category and coverage level with Travelers. By driver history without age specifically factored in, Farmers offers the lowest rates.
Drivers in Arizona live in the 20th-safest state for driving in the country, which means driving incidents and accidents are not the only factors responsible for the state average being slightly higher than the national average. Arizona’s hot climate likely increases the likelihood of reported claims for flat tires as a result of hot pavement, dead car batteries, and more.
Drivers in Arizona also pay more for full-coverage insurance than they do for minimum coverage. Those who choose Travelers, for example, pay $106 per month for minimum coverage and $144 per month for full-coverage insurance. Another significant factor in Arizona car insurance rates is age; teenagers and people in their 20s pay the highest rates.
The average car insurance rate in Arizona is $239 per month, which only slightly exceeds the national average of $233 per month. This makes it the 18th most-expensive state for car insurance. But we found average rates as low as $144 per month from the cheapest top provider in the state, Travelers. Individual rates vary by coverage level, driver history, age, location, and more.
Average car insurance rates remained relatively stable in Arizona between 2019 and 2022, but there was a slight increase between 2021 and 2022. Arizona drivers paid a monthly average of $237 in 2021, while the monthly average in 2022 is $252.
Based on Insurify Composite Scores, average rates, financial strength and industry ratings, and customer and claims satisfaction, Arizona’s best car insurance companies include Travelers, State Farm, and Nationwide. Smaller insurers like Clearcover and Safeco also present Arizonans with quality coverage options at cheap monthly rates of $161 and $190, respectively.
Travelers policyholders benefit from a rate of $144 per month and solid financial stability, with an A++ rating from A.M. Best. State Farm customers pay $162 per month on average, and the company earned an A++ rating from A.M. Best. At $175 per month, Nationwide car insurance costs more by comparison, and the company earned a lower A+ rating from A.M. Best.
No, you do not need personal injury protection (PIP) coverage in Arizona. PIP coverage is not required because Arizona is an at-fault state that assigns financial responsibility to the driver who caused the collision. Medical payments insurance, often referred to as MedPay, is also not required in the state for similar reasons.
You do, however, need to have the minimum state car insurance requirements for bodily injury and property damage liability in order to comply with Arizona state law.
Yes, car insurance is mandatory in Arizona. Drivers must adhere to the state requirements to legally operate their vehicles. The minimum insurance requirements are $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability.
Bodily injury and property damage liability coverage help policyholders cover costs for damages and injuries to other people in a car accident caused by the policyholder. Drivers can purchase additional insurance for more robust coverage.
In Arizona, and in most other states, car insurance follows the car rather than the driver. This applies to many insurance types, including bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and full coverage.
If a friend with a valid driver’s license borrows your insured vehicle and crashes it, your applicable auto insurance coverage will go into effect. Furthermore, if your friend is insured on their own policy, applicable coverage could also go toward costs if your coverage runs out. Check with your auto insurance provider, as some exceptions may exist.
Full-coverage car insurance provides much more insurance coverage than the simple liability-only policy required by Arizona state law. A typical full-coverage policy includes liability insurance, collision coverage, and comprehensive coverage. Full-coverage insurance makes the most sense for people living in population-dense areas and those with expensive vehicles.
Liability insurance under this policy includes bodily injury and property damage coverage that covers costs for people affected by an accident you caused. Collision coverage deals specifically with costs associated with a car accident, while comprehensive coverage provides protection for costs associated with things like vandalism and natural disasters.
How Arizona Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Arizona below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Arizona drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Arizona
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Arizona is the #25 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #25
- Percent of drivers in Arizona with an accident: 8.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arizona is the #14 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #14
- Percent of drivers in Arizona with a DUI: 1.8%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Arizona is the #24 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #24
- Percent of drivers in Arizona with a reckless driving offense: 1.3%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Arizona is the #24 state in the country for drivers with a rude driving violation on record.
- Rank among states: #24
- Percent of drivers in Arizona with a rude driving violation: 1.5%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Arizona is the #28 state in the country for drivers with a speeding ticket on record.
- Rank among states: #28
- Percent of drivers in Arizona with a speeding ticket: 8.3%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arizona is the #35 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #35
- Percent of drivers in Arizona with a failure to yield violation: 0.1%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- Arizona Department of Transportation. "Vehicle Insurance Information." Accessed August 3, 2022
- Arizona Department of Transportation. "Motor Vehicle Services." Accessed July 30, 2022
- Arizona Department of Transportation. "Prepare yourself and your vehicle before driving in extreme heatMotor Vehicle Services." Accessed August 23, 2022
- Insurance Information Institute. "Why did my auto insurance costs go up even when I didn’t file a claim?." Accessed November 2, 2022
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers." Accessed July 30, 2022