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).
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.
Average monthly cost
Average annual cost
Cheapest car insurance companies in Arizona
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.
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.
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 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 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.  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.
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.
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.
Driving without lights
Running a red light
Following too closely
Hit and run
Passing a school bus
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.
Rates for drivers with bad credit
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:
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:
Safe driver discount
Good student discount
Low mileage 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.
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