The best car insurance in Arizona

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 12, 2021

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The average cost of full coverage car insurance in Arizona is $1,565, but rates can vary widely depending on where in the state you live, and other factors like your age and driving history. Rates can also vary from company to company, which is why it’s important for Arizona drivers to shop around and compare quotes before choosing a policy.

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Policygenius can help you see quotes from top companies to make sure you’re getting the right coverage at the best price.

Key Takeaways

  • Root has the lowest average rate for full coverage in Arizona at $747 a year 

  • Root also has the best rates for 25-year-old drivers in Arizona

  • Arizona minimum liability requirements are $25,000 person/$50,000 accident in bodily image liability and $15,000 in property damage liability.

  • Uninsured/underinsured motorist coverage is optional in Arizona

Cheapest car insurance companies in Arizona

All insurance companies use basically the same factors when calculating your rates (age, address, driving history), but certain factors may be weighed more heavily at some companies than others. That’s why rates can vary so widely from one company to the next.

Company

Average cost

JD Power Rating

Root

$747

--

Auto-Owners Insurance

$891

890

GEICO

$918

871

State Farm

$1,260

881

USAA

$1,297

890

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.

Age

Cheapest company

Average cost

16

Root

$2,519

18

GEICO

$1,832

21

Root

$1,134

25

Root

$763

30

Root

$740

35

Root

$747

45

Root

$754

55

Root

$730

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.

Violation

Root

Auto-Owners Insurance

GEICO

State Farm

USAA

At-fault Accident

$982

$1,286

$1,445

$1,510

$2,039

DUI

$709

$1,651

$1,813

$1,393

$3,283

Driving with a suspended license

$985

$1,651

$1,813

$1,393

$3,136

Driving with an open container

$709

$1,651

$1,813

$1,393

$1,910

Driving with expired registration

$929

$922

$1,038

$1,393

$2,069

Driving without Lights

$929

$922

$1,038

$1,393

$1,797

Failure to show documents

$929

$922

$1,000

$1,393

$2,069

Failure to stop at a red light

$929

$922

$1,038

$1,393

$1,797

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.

Company

Rates for drivers with bad credit

Root

$946

GEICO

$1,307

Nationwide

$2,086

Iowa Farm Bureau

$2,134

Safeway Insurance

$2,234

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: $1,988

  • Tucson: $1,646

  • Mesa: $1,701

  • Chandler: $1,657

  • Scottsdale: $1,706

  • Gilbert: $1,659

  • Glendale: $1,934

  • Tempe: $1,742

  • Peoria: $1,801

  • Surprise: $1,638

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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.

Frequently asked questions

Who has the cheapest car insurance in Arizona?

Root currently has the cheapest average car insurance rates in Arizona. However, that does not mean Root is the right insurance company for all drivers. It is important to understand your options and compare rates from different companies.

Will my gender impact my car insurance premiums?

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.

What is collision coverage?

Collision coverage covers the cost of damage to your own vehicle, even if you were the one at fault. So if you total your car in an accident you cause, or scrape up the side of your SUV while parking, collision coverage can cover the cost of repairs.

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.