Cheap Car Insurance in Arizona (2023)

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.

Best cheap car insurance in Arizona: Travelers

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Travelers

Best Cheap Car Insurance in Arizona

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.

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^[1] 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.^[2]

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.

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.

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.

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.

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.

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.

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.

Arizona car insurance FAQs

Insurify Insights

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:

Methodology

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

#28

State with the Most Speeding Tickets Rank

#27

State with the Moving Violations Rank

#14

State with the Most DUIs Rank

#38

State with the most Suspended Licenses

• Accidents in Arizona

  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%
• DUIs in Arizona

  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 in Arizona

  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%
• Rude Driving in Arizona

  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%
• Speeding in Arizona

  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%
• Failure to Yield Rates in Arizona

  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 Insights

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.