As of 2015, there were just under 5 million licensed drivers in Arizona, and every driver is legally required to carry car insurance. The average cost of car insurance in Arizona is $1,547 per year for full coverage and $555 per year for minimum coverage. Arizona is slightly cheaper when compared to the national average premium of $1,674 annually for full coverage and $565 annually for minimum coverage.
However, not all car insurance companies are created equal. If you are looking for the cheapest car insurance in Arizona, some insurance providers are likely to be a better fit.
The cheapest car insurance in Arizona
Arizona drivers have lots of options for car insurance at affordable rates in the state. The companies in the table below represent some of the lowest rates in Arizona and may be a good place to start your insurance search.
|Car insurance company||J.D. Power 2021 Auto Insurance Study score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||829 / 1000||$326||$916|
|USAA||863 / 1000||$450||$1288|
|Hartford||826 / 1000||$506||$1257|
|State Farm||847 / 1000||$523||$1232|
|Allstate||822 / 1000||$554||$1701|
Geico is a great choice for drivers who are looking for cheap car insurance in Arizona. The average annual full coverage premium is $916 and the average annual minimum coverage premium is $326. In addition to low premiums, Geico customers may be able to save additional money by taking advantage of the company’s numerous discounts. Geico has discounts for safe drivers, good students, military members, federal employees, employer groups, bundling policies and having vehicle safety features, like airbags and daytime running lights.
Learn more: Geico Insurance Review
USAA is known for excellent customer service, but there are many ways to save on car insurance with the company, too. Discounts include savings for safe driving, low mileage and driver training, plus there are special loyalty discounts. You can even save money when a family member has a USAA policy. As a military insurance provider, USAA has unique discounts such as vehicle storage and emergency deployment discounts. Keep in mind that USAA is only available to active military, veterans and their immediate families.
Learn more: USAA Insurance Review
One of the best parts about The Hartford is multi-faceted support. Its exclusive RecoverCare program helps with post-accident assistance, and a 24/7 claims hotline is available. There is also new car replacement, a disappearing deductible and 24/7 roadside assistance with personal injury protection. If you own an electric vehicle, you could save money on your car insurance premium with the Hartford, in addition to completing a defensive driving course or paying in full for your policy.
Learn more: The Hartford Insurance Review
State Farm offers two signature programs to help you save money on your car insurance. Its Drive Safe & Save program rewards you with discounts in exchange for safe driving. The Steer Clear program also gives extra discounts when you are accident-free for at least three years. You can also save on your insurance if you bundle your home and auto.
Learn more: State Farm Insurance Review
To save money without any fuss, you can use Allstate’s Drivewise telematics program to track your driving habits. To get started, you just have to sign up for the app; after a certain period of safe driving, you can begin to save. Beyond Drivewise, there are also savings when you have a new car, bundle policies, or earn good grades in school. Vehicle safety features can also save you money with discounts for airbags, anti-theft devices, and anti-lock brakes.
Minimum coverage for Arizona drivers
Arizona drivers are required to carry at least 25/50/15 car insurance coverage. This means that all drivers in Arizona must have at least the following levels of car insurance:
- $25,000 for bodily injury liability coverage per person
- $50,000 for bodily injury liability coverage per accident
- $15,000 for property damage liability coverage per accident
Choosing minimum limits may keep your insurance premium low, but it can leave you with out-of-pocket expenses if you get into an accident where the damages exceed your coverage limits. Additionally, minimum coverage insurance does not offer any protection for your own vehicle. If you finance your vehicle with a loan or a lease, your lender will likely require you to carry comprehensive and collision insurance.
How to get cheap car insurance in Arizona
Getting cheap car insurance in Arizona starts by choosing a provider that sells affordable coverage, but there are other ways to lower your car insurance premium. Here are some suggestions:
- Shop around: Take your time researching car insurance companies. Make a list of the factors that matter most to you, like great customer service or numerous coverage options, and find a handful of companies that meet your criteria.
- Compare quotes: Once you have found several potential insurance companies, get quotes from each provider and compare the rates. That is one of the best ways to find out if you are finding the coverage you need within your budget.
- Take advantage of discounts: Look for insurance companies that offer a variety of discounts you qualify for. You can also call an agent to ask about unadvertised discounts you might be able to take advantage of.
- Work on your credit score: Insurance companies in many states use your credit score, among other factors, to calculate your rate. Raising your credit score, even by several points, can lower your insurance premium.
- Increase your deductible: Increasing your deductible will generally lower your premium. However, make sure you can afford to pay a higher deductible if you choose this option.
- Pay in full: Many insurance companies offer discounts for drivers who pay their premium in full.
Frequently asked questions
What is the best car insurance in Arizona?
The best car insurance company in Arizona is different for every driver. Some people are looking for the best customer service, some are looking for the lowest rates and others are looking for specific coverages. One of the best ways to find the right car insurance company for you is to shop around and compare providers based on your personal needs.
What is the average cost of car insurance in the U.S.?
The average cost of car insurance in the United States is $1,674 per year for a full coverage policy and $565 per year for a minimum coverage policy. The national average rate is slightly more expensive than Arizona’s statewide average rate of $1,547 per year for full coverage and $555 per year for minimum coverage.
What factors impact my car insurance rate?
Car insurance rates vary for every driver. Drivers in Arizona may pay more or less than the statewide average based on factors like age, gender, credit score, ZIP code, claims history and driving record, among others. Your vehicle’s year, make, model and annual mileage can also have an impact on car insurance rates.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.