Looking for the best car insurance rates in Arizona? You’ve come to the right place. This guide breaks down the cheapest options available, tailored to different needs and categories. Whether you’re a young driver, a senior, or someone with a not-so-perfect driving record, you’ll find valuable insights here.
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Best Car Insurance Rates in Arizona
Car insurance rates in Arizona vary widely depending on many factors, so the best rates for you will depend on your unique situation. Below, we’ve broken down the lowest rates for each category of coverage.
Cheapest Car Insurance in Arizona by Category
| Category | Company | Average Monthly Premium |
| Minimum Liability Coverage | Auto-Owners | $30 |
| Full Coverage | Geico | $98 |
| Young Drivers | Geico | Varies by age* |
| Seniors | Geico | Varies by age* |
| After a Speeding Ticket | Geico | $120* |
| After an Accident | Geico | $159* |
| After a DUI | State Farm | $157* |
| Bad Credit | Geico | $151* |
*These monthly car insurance rates are for full coverage policies.
Cheapest Car Insurance Companies in Arizona
Through our research, we’ve found the five cheapest car insurance companies in Arizona:
- Geico
- Auto-Owners
- Travelers
- USAA
- Progressive
Click on any of our top providers to learn more about their offerings. Below, we break down the cheapest large and midsize insurance companies in the Grand Canyon State.
Cheapest Large Insurance Companies in Arizona
Large car insurance companies like Geico, Travelers, Progressive, State Farm, Allstate, and USAA offer competitive rates in Arizona. According to J.D. Power, large insurers are those that have written $4.5 billion or more in direct premiums for personal auto. You’ll find the lowest rates on average from these providers in Arizona.
| Company | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | *Cost Rating (Entire U.S.) | Learn More |
| Geico | $373 | $1,173 | 12 | 9.1 | Learn More |
| Travelers | $500 | $1,441 | 12 | 9.8 | Learn More |
| Progressive | $699 | $1,721 | 9 | 7.8 | Learn More |
| State Farm | $538 | $1,778 | 16 | 9.3 | Learn More |
| Allstate | $861 | $2,656 | 11 | 7.4 | Learn More |
| USAA* | $312 | $1,860 | 13 | 9.7 | Learn More |
*USAA auto insurance is only available to military members, veterans, and their families.
Cheapest Midsize Insurance Companies in Arizona
For mid-size car insurance companies in Arizona, we found that Auto-Owners, The Hartford, and CSAA Insurance provide the cheapest rates. J.D. Power defines midsize insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto.
| Company | Minimum Coverage (Annual) | Full Coverage (Annual) | # Discounts | *Cost Rating (Entire U.S.) | Learn More |
| Auto-Owners | $356 | $1,470 | 12 | 8.6 | Learn More |
| The Hartford Insurance | $862 | $2,715 | 9 | 7.0 | Learn More |
| AAA Insurance | $926 | $2,746 | 18 | 7.5 | Learn More |
Cheapest Car Insurance Coverage in Arizona
Coverage level has a major impact on how much you will pay for car insurance. Many quotes from providers include estimates for minimum liability and full-coverage car insurance. Below are the cheapest auto insurance options in Arizona for both coverage types.
Cheapest Liability Insurance in Arizona
The cheapest minimum liability auto insurance policy for Arizona drivers costs $30 per month through Auto-Owners.
| Company | Average Monthly Rate | Average Annual Rate |
| Auto-Owners | $30 | $356 |
| Geico | $31 | $373 |
| Travelers | $42 | $500 |
| State Farm | $45 | $538 |
| Progressive | $58 | $699 |
| USAA* | $26 | $312 |
*USAA auto insurance is only available to military members, veterans, and their families.
Cheapest Full-Coverage Insurance in Arizona
Geico tends to offer the cheapest full-coverage car insurance policy in Arizona, at an average cost of $98 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $98 | $1,173 |
| Travelers | $120 | $1,441 |
| Auto-Owners | $123 | $1,470 |
| Progressive | $143 | $1,721 |
| State Farm | $148 | $1,778 |
Arizona Car Insurance Cost by Age
Car insurance rates can vary significantly based on the driver’s age. Below, you can compare average rates for drivers between the ages of 16 to 55 in the state:
| Age | Average Monthly Rate | Average Annual Rate |
| 16 | $707 | $8,495 |
| 25 | $194 | $2,332 |
| 35 | $167 | $2,008 |
| 45 | $159 | $1,913 |
| 55 | $147 | $1,766 |
Cheapest Car Insurance for Young Drivers in Arizona
Young drivers often pay much more for car insurance than adults. Below are the cheapest full-coverage auto insurance rates for young drivers aged 16 through 25 in Arizona.
Cheapest Arizona Car Insurance for 16-Year-Olds
Geico typically offers the cheapest rates on average for 16-year-old drivers in Arizona at a cost of $299 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $299 | $3,596 |
| Travelers | $385 | $4,626 |
| Auto-Owners | $415 | $4,986 |
| State Farm | $537 | $6,454 |
| Allstate | $692 | $8,309 |
Cheapest Arizona Car Insurance for 17-Year-Olds
Geico offers the cheapest car insurance rates for 17-year-old drivers in the Copper State at an average of $215 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $215 | $2,591 |
| Auto-Owners | $257 | $3,093 |
| CSAA | $325 | $3,900 |
| State Farm | $360 | $4,325 |
| Travelers | $376 | $4,516 |
Cheapest Arizona Car Insurance for 18-Year-Olds
Geico tends to be the cheapest option for 18-year-old drivers in Arizona at an average cost of $179 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $179 | $2,151 |
| Auto-Owners | $235 | $2,827 |
| CSAA | $303 | $3,647 |
| Travelers | $315 | $3,781 |
| State Farm | $316 | $3,796 |
Cheapest Arizona Car Insurance for 19-Year-Olds
Geico is the cheapest option for 19-year-old Arizona drivers at a rate of $146 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $146 | $1,756 |
| Auto-Owners | $204 | $2,453 |
| Travelers | $266 | $3,193 |
| Progressive | $272 | $3,264 |
| State Farm | $277 | $3,331 |