Best car insurance in Arizona

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Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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he 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).

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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

Cheapest car insurance companies in Arizona

Root

3.3

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Root logo

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

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

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Auto-Owners logo

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

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

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

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.

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

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

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

4.3

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Travelers logo

Travelers has cheaper-than-average rates (and a long list of discounts). Plus, drivers can upgrade a standard policy with any of the company’s useful 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

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

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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

DUI

$971

$1,918

$2,186

$1,309

$1,985

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

Speeding

$1,065

$1,918

$2,186

$1,309

$1,985

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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

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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.

Find car insurance in your city:

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.

Methodology

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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. J.D. Power

    . "

    2022 Auto Insurance Study

    ." Accessed January 23, 2023.

Authors

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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