Cheapest car insurance in Arizona in 2023

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

Cheapest company for full coverage

Cheapest company for adding a teen driver

Cheapest company for getting a speeding ticket

Cheapest company for being in an at-fault accident

Cheapest company for drivers with a high-risk incident

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.

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.

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

Getting a speeding ticket

Getting into an at-fault accident

Being deemed a high-risk driver

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.