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Cheapest car insurance in Arizona in 2023
Geico, Travelers and Mercury offer some of the cheapest car insurance in Arizona, based on our analysis.
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What To Know First
When shopping for affordable car insurance, Arizona drivers have plenty of options. The average cost of car insurance in Arizona is $1,810 per year for full coverage and $587 per year for minimum coverage, both of which are below the state average. Prices vary by a range of metrics, though, something that Bankrate’s insurance editorial team (with its three licensed insurance agents) are familiar with. To help you find the cheapest car insurance in Arizona for your unique situation, we’ve analyzed average rates for a range of driver profiles. Our research found that these companies were the cheapest, on average, for various metrics:
- Cheapest company for minimum coverage: Geico
- Cheapest company for full coverage: Geico
- Cheapest company for adding a teen driver: Geico
- Cheapest company for getting a speeding ticket: Travelers
- Cheapest company for being in an at-fault accident: Travelers
- Cheapest company after a high-risk incident: Travelers
On This Page
- The cheapest car insurance companies in Arizona
- The cheapest car insurance companies in Arizona by coverage level
- Cheapest cities in Arizona for car insurance
- Factors that impact cheap rates in Arizona
- Minimum coverage requirements for Arizona drivers
- How to get the cheapest car insurance in Arizona
- Car insurance discounts in Arizona
- Frequently asked questions
- Methodology
The cheapest car insurance companies in Arizona
When looking for cheap car insurance, Arizona drivers may want to keep in mind that “cheap” is a relative term. If you have a speeding ticket on your record, for example, you’ll likely pay more than if you had a clean driving record. To that end, we analyzed average rates across a number of driver profiles and found that these are the cheapest companies, on average:
Cheapest company for minimum coverage
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $25 | $299 |
Cheapest company for full coverage
Company | Average monthly full coverage premium | Average annual full coverage premium |
---|---|---|
Geico | $81 | $974 |
Cheapest company for adding a teen driver
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $68 | $843 |
Cheapest company for getting a speeding ticket
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Travelers | $40 | $474 |
Cheapest company for being in an at-fault accident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Travelers | $41 | $495 |
Cheapest company for drivers with a high-risk incident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Travelers | $46 | $556 |
The cheapest car insurance companies in Arizona by coverage level
The average cost of car insurance in Arizona varies based on how much coverage you purchase. While minimum coverage is generally cheaper, it also provides far less financial protection than full coverage, which may lead to higher out-of-pocket costs after an accident.
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. state average* |
---|---|---|---|
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$25
|
Average annual minimum coverage premium
$299
|
Annual savings vs. state average*
- $288 |
Travelers
4.0
Bankrate Score
|
Average monthly minimum coverage premium
$31
|
Average annual minimum coverage premium
$374
|
Annual savings vs. state average*
- $213 |
Mercury
3.2
Bankrate Score
|
Average monthly minimum coverage premium
$31
|
Average annual minimum coverage premium
$376
|
Annual savings vs. state average*
- $211 |
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$34
|
Average annual minimum coverage premium
$412
|
Annual savings vs. state average*
- $175 |
Encompass
3.5
Bankrate Score
|
Average monthly minimum coverage premium
$37
|
Average annual minimum coverage premium
$444
|
Annual savings vs. state average*
- $143 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. state average* |
---|---|---|---|
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$81
|
Average annual full coverage premium
$974
|
Annual savings vs. state average*
- $836 |
Mercury
3.2
Bankrate Score
|
Average monthly full coverage premium
$96
|
Average annual full coverage premium
$1,151
|
Annual savings vs. state average*
- $659 |
Travelers
4.0
Bankrate Score
|
Average monthly full coverage premium
$102
|
Average annual full coverage premium
$1,223
|
Annual savings vs. state average*
- $587 |
Esurance
3.3
Bankrate Score
|
Average monthly full coverage premium
$111
|
Average annual full coverage premium
$1,332
|
Annual savings vs. state average*
- $478 |
Encompass
3.5
Bankrate Score
|
Average monthly full coverage premium
$118
|
Average annual full coverage premium
$1,412
|
Annual savings vs. state average*
- $398 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
Cheapest cities in Arizona for car insurance
Your state isn’t the only thing that affects the cost of car insurance; your city and even your ZIP code can impact how much you pay. When it comes to cheap auto insurance, Arizona drivers in more rural areas or areas with lower costs of living may pay lower premiums, due to a lower risk of claims. The cities listed below offer cheap Arizona car insurance, and in each area, Geico was the lowest-priced carrier.
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
Ganado | $451 | Geico | $223 |
Saint Michaels | $453 | Geico | $225 |
Chambers | $454 | Geico | $223 |
Teec Nos Pos | $454 | Geico | $223 |
Window Rock | $455 | Geico | $225 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
Morristown | $1,670 | Geico | $928 |
Gold Canyon | $1,675 | Geico | $942 |
Sun City | $1,676 | Geico | $915 |
Arizona City | $1,680 | Geico | $943 |
Rio Verde | $1,680 | Geico | $942 |
Factors that impact cheap rates in Arizona
Certain life changes can cause your car insurance rate to fluctuate. If you have recently experienced an event, like an at-fault incident or adding a teen driver to your policy, you might find that the right car insurance company for you has shifted. These life events can make for particularly good times to shop around to compare different car insurance companies.
Insuring a teen driver
Adding a teen driver to your policy generally adds quite a bit of cost, due to the fact that teen drivers have less experience on the road and are generally more likely to cause accidents. When shopping for cheap insurance, Arizona drivers with teens on their policies may want to shop around and compare car insurance rates from several companies. Our research revealed that these insurers tend to have low rates when a 16-year-old drivers is added to policy:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Geico | $843 | $2,458 |
Amco Insurance | $867 | $2,552 |
Travelers | $988 | $2,873 |
Nationwide | $1,014 | $2,564 |
Encompass | $1,015 | $2,555 |
Getting a speeding ticket
A speeding ticket conviction in Arizona is also likely to increase your rates. Speeding can increase the risk and severity of accidents, which is why insurers generally increase rates; drivers with speeding tickets present a higher risk of filing claims. Travelers generally has low average rates for minimum coverage with a speeding ticket conviction. Encompass may be a good option for low-cost car insurance in Arizona if you’re looking for full coverage and have a speeding ticket conviction on your record.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Travelers | $474 | $1,619 |
Encompass | $514 | $1,601 |
USAA | $532 | $1,877 |
Geico | $596 | $1,933 |
Amco Insurance | $619 | $1,820 |
Getting into an at-fault accident
It’s fairly common knowledge that, generally, car insurance rates go up after an at-fault accident. However, it is still possible to find cheap car insurance in Arizona if you have a claim on your record. On average, minimum coverage in Arizona costs $897 per year and full coverage costs $2,607 per year after an accident. Most of the cheapest companies in Arizona after an accident have lower-than-average rates:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Travelers | $495 | $1,677 |
Geico | $503 | $1,639 |
Nationwide | $569 | $1,593 |
Encompass | $608 | $1,871 |
Allstate | $644 | $3,280 |
Being deemed a high-risk driver
You may be deemed a high-risk driver for any number of reasons, including having multiple tickets or accidents, or a combination of the two, on your record. However, even a single DUI conviction is likely to cause insurers to see you as high-risk due to the severe risk associated with drunk driving. You’ll likely pay more for car insurance after a DUI, but shopping around may help you find a lower rate. Just keep in mind that not all insurance companies will insure drivers with DUIs on their records, so if you’re interested in a quote, contact the company directly to discuss eligibility.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Travelers | $556 | $1,832 |
Mercury | $584 | $1,753 |
Progressive | $609 | $2,018 |
ACCC Insurance | $718 | $1,759 |
The Hartford | $735 | $2,314 |
Minimum coverage requirements for Arizona drivers
Car insurance is a legal requirement in Arizona in order to get behind the wheel. The minimum amount of coverage required for all drivers includes:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Although minimum coverage insurance is often the cheapest option, it may not financially protect you against a costly loss in the same way that a full coverage policy could. Full coverage insurance, which includes both comprehensive and collision coverage, offers financial protection for physical damage to your vehicle, whether you are at fault or not for the incident. If you lease or finance your vehicle, your lender or loan company will likely require you to carry full coverage insurance.
While collision and comprehensive generally provide greater financial protection, the right coverage for you depends on your individual needs. It may help to talk with a licensed insurance agent about what limits make sense for you.
How to get the cheapest car insurance in Arizona
If you’re looking for ways to save on car insurance in Arizona, you’re in luck. Car insurance rates tend to be lower than the national average in the state anyway, and there are ways you may be able to find an even lower rate.
Shop around
Every car insurance company has its own unique formula for calculating rates, which means that prices vary between companies even for the exact same coverage. Shopping around lets you compare car insurance quotes from different companies and may help you identify which is the cheapest for you.
Utilize discounts
Discounts are one of the best ways to find Arizona car insurance savings. Most companies offer at least a few discounts, including bundling, paperless, safe driver and good student. Looking for a car insurance company with discounts that you qualify for may help you get a lower rate.
Keep a clean driving record
If you’re wondering how to save on car insurance in Arizona, you should know that one of the longest-term strategies you can engage in is to drive safely. Avoiding moving violations, at-fault accidents and major violations like DUIs or reckless driving convictions helps you avoid the pricey surcharges associated with these incidents.
Car insurance discounts in Arizona
Taking advantage of car insurance discounts can be a relatively easy way to lower your premium. Some of the most common discounts in Arizona are:
- Young driver discounts: Car insurers often offer several discounts tailored to teens and young adults. These include good student discounts, away at school discounts and discounts for taking a driver training program.
- Safe driver discounts: If you have no accidents or tickets on your record, you may qualify for a safe-driver or claims-free discount. Additionally, you might decide to sign up for a telematics program, which tracks your driving habits and assigns you a personalized discount.
- Other discounts: Other common savings opportunities include bundling discounts, savings for signing up for paperless statements or automatic billing, insuring more than one vehicle, and being a member of a certain profession or organization.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Score
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.