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Shopping for a new or used car can be an exciting process. Shopping for car insurance typically isn’t. Even so, it’s an important decision and the process is a lot simpler than you might expect. Read on to learn more about Arizona’s car insurance laws and how to find the best car insurance rates in Arizona.

Cheapest Car Insurance Companies in Arizona

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Arizona?

See the Cheapest Car Insurance Companies

The typical driver profile in our study pays around $1,390 a year for car insurance in Arizona. What an individual pays depends on a number of variables, including your age, driving record, credit history, the coverage you choose to buy, where you live, and more. 

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Arizona Car Insurance Rates by Age

Company

Single 25-year old female

Single 25-year old male

Married 35-year old female

Married 35-year old male

Married 60-year old female

Married 60-year old male

Allstate

$2,120.64

$2,294.02

$1,910.60

$1,910.60

$1,862.73

$1,862.73

American Family

$1,474.43

$1,528.33

$1,225.39

$1,258.17

$1,127.51

$1,132.03

Farmers

$1,994.26

$2,068.75

$1,698.91

$1,702.89

$1,418.97

$1,549.92

Geico

$971.37

$915.46

$838.82

$884.24

$873.72

$964.92

Nationwide

$1,944.81

$2,125.83

$1,645.16

$1,678.28

$1,438.44

$1,544.68

Progressive

$1,432.86

$1,415.60

$1,316.53

$1,142.37

$1,130.81

$1,086.87

State Farm

$1,426.28

$1,783.19

$1,334.11

$1,334.11

$1,239.68

$1,239.68

Travelers

$1,310.02

$1,371.76

$1,240.26

$1,299.05

$1,037.34

$1,094.67

USAA

$1,148.45

$1,221.78

$907.11

$908.92

$808.31

$817.05

Geico offers the lowest rates for most driver profiles regardless of age or gender, particularly for the married 35-year-old woman profile, with an average rate of about $840 – 38% below the state average.

After Geico, USAA, and Travelers offer the next best rates for many driver profiles, and Progressive and American Family are also good. Allstate, Farmers, and Nationwide saw the highest study rates for these driver profiles. These three insurers consistently had rates well above the state averages in our analysis of driver profiles based on age and gender, with Allstate at the top. 

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Arizona Car Insurance Rates by Mileage

Company

10 miles commute. 6000 annual mileage.

25 miles commute. 12000 annual mileage.

Allstate

$1,993.55

$1,993.55

American Family

$1,260.91

$1,290.98

Farmers

$1,738.95

$1,738.95

Geico

$881.19

$908.09

Nationwide

$1,729.53

$1,729.53

Progressive

$1,254.17

$1,254.17

State Farm

$1,250.41

$1,392.84

Travelers

$1,225.52

$1,225.52

USAA

$905.12

$968.60

In Arizona, the high-mileage commuters pay about $30 more than the low-mileage commuters. Geico has the lowest average premiums, offering rates about 35% below the state average. Travelers, Progressive, Nationwide, Farmers, and Allstate do not change their rates based on mileage. Allstate offers the highest average rates in this category, costing a driver profile 44% above the state average.

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Arizona Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$1,799.19

$1,993.55

$2,153.55

American Family

$1,206.41

$1,290.98

$1,298.91

Farmers

$1,469.52

$1,738.95

$1,904.17

Geico

$731.71

$908.09

$1,048.89

Nationwide

$1,619.47

$1,729.53

$1,769.19

Progressive

$1,056.08

$1,254.17

$1,342.63

State Farm

$1,205.26

$1,392.84

$1,513.80

Travelers

$1,092.56

$1,225.52

$1,313.03

USAA

$873.55

$968.60

$1,022.88

Geico has the cheapest average premiums, costing about 29% below the state average. Allstate is the most expensive, the only insurer charging our driver profiles average rates of above $2,000, according to our study. 

On average, you’ll pay a difference of about $260 in Arizona if you choose high coverage compared to low coverage, generally considered well worth the cost compared to the cost of accidents.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Arizona Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,993.55

$2,277.87

$2,902.72

American Family

$1,290.98

$1,508.03

$2,179.31

Farmers

$1,738.95

$1,947.81

$2,801.05

Geico

$908.09

$1,045.21

$1,389.59

Nationwide

$1,729.53

$2,018.93

$2,428.77

Progressive

$1,254.17

$1,533.85

$2,039.52

State Farm

$1,392.84

$2,207.83

$5,649.32

Travelers

$1,225.52

$1,468.70

$1,948.68

USAA

$968.60

$1,182.61

$1,673.53

Geico offers the lowest average premiums, costing our driver profiles with good credit about 35% below the state average, and those with poor credit about 46% below the state average.

State Farm is the most expensive for drivers with poor credit, costing those driver profiles 121% above the state average.

Based on profiles of male and female drivers aged 25,35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Arizona Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,993.55

$3,018.00

$2,883.97

$3,346.07

American Family

$1,290.98

$1,339.79

$1,339.79

$1,339.79

Farmers

$1,738.95

$2,236.26

$2,549.45

$2,462.55

Geico

$908.09

$1,102.42

$1,272.25

$1,784.32

Nationwide

$1,729.53

$2,023.94

$1,942.64

$3,393.14

Progressive

$1,254.17

$1,701.64

$2,173.41

$1,472.12

State Farm

$1,392.84

$1,524.46

$1,656.07

$1,524.46

Travelers

$1,225.52

$1,622.26

$1,689.26

$1,854.69

USAA

$968.60

$1,242.14

$1,456.62

$2,265.26

In our analysis, Geico comes out on top with the lowest study rates across the board based upon driving record, costing 35% below the state average for driver profiles with a clean record and 17% below for driver profiles with a DUI. These driver profiles all had the highest representative rates with Allstate, costing 44% above the state average for driver profiles with a clean record and 55% above the state average for profiles with one DUI. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Arizona Car Insurance Rates by City

City

Average Rate

Chandler

$1,483.38

Gilbert

$1,491.03

Glendale

$1,688.76

Mesa

$1,519.11

Peoria

$1,535.41

Phoenix

$1,750.96

Scottsdale

$1,525.98

Surprise

$1,440.48

Tempe

$1,545.31

Tucson

$1,451.60

Drivers in rural areas and small cities in Arizona typically pay the least. The variation in prices in our analysis of Arizona's largest cities isn't huge, but the study rates in some are certainly higher than others. Phoenix and Glendale, at over $1,600 per year, have the highest study rates. The lowest rates in our analysis are found in Tucson, Gilbert, Surprise, and Chandler, all of which have representative rates below $1,500 per year.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Arizona’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Arizona Auto Insurance Minimum Coverage Requirements

Arizona law requires all drivers to be financially responsible for the car accidents that they cause. Most drivers meet this requirement by purchasing auto liability insurance. Liability insurance compensates the other parties affected by an accident for their bodily injury and property damage if you – or someone driving your car with your permission – are at fault. The minimum coverage limits required by Arizona law are often referred to as a ratio: 15/30/10. Coverage of $15,000 is set for the injury of one person, $30,000 is set for the injury of two or more people, and $10,000 is set for car and property damage.

Even though a liability policy with these coverage amounts is sufficient under Arizona law, we strongly recommend that you purchase extra coverage. The high costs of medical care and car repair can quickly deplete your liability insurance if you have minimal coverage. Those affected by an accident can then take you to court to pay their remaining bills. That would be in addition to your own medical bills and repair costs, which liability insurance wouldn’t cover.

Chris Ryan / Getty Images

Your personal expenses can be protected by several optional insurance plans, such as Medical Payments, Uninsured Motorist, Collision, and Comprehensive coverage. Medical Payments coverage pays for your and your passengers’ medical bills, regardless of who is at fault in an accident. Uninsured Motorist coverage pays for your and your passengers’ medical bills and property damage if the driver at fault in an accident has insufficient liability insurance or no insurance at all; it also applies in the event of a hit-and-run accident.

Collision coverage pays for damage to your vehicle from an accident. Comprehensive coverage pays for damage to your vehicle as a result of other things, such as flood, fire, hail, theft, and vandalism. If you’re leasing or financing a vehicle, collision and comprehensive coverage are typically required under contract.

Check out our guide on how much insurance you need to learn more about car insurance coverage limits.

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Cheapest Car Insurance in Arizona

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Geico

Drivers with One DUI

American Family

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

Geico offers the lowest car insurance rates in Arizona across most driver profile demographics, according to our research. This insurer's average study rates are around $900 yearly – or about 35% less than the state average. 

However, our study found American Family is the cheapest for driver profiles who have one DUI on their record.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females aged 25, 35, and 60. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Arizona

There are many local factors that determine the price of car insurance in a given area. Insurers evaluate an area’s population, traffic congestion, and frequency of insurance claims, as well as the costs of auto repair and medical services. Generally speaking, this makes car insurance more expensive in big cities with dense traffic than in rural areas or small cities with light traffic.

How to Get the Cheapest Car Insurance in Arizona

Most insurance companies offer a wide variety of discounts, so there’s a good chance you may qualify for at least one or two. Homeowners who bundle their home and auto policies often qualify for a multipolicy discount. If you insure multiple vehicles with the same company, you may be eligible for a multi-car discount. Insurers often extend discounts to students with good grades and teenagers who have taken a drivers’ education course.

Safe-driving discounts may be offered to policyholders with an accident-free record, as well as drivers enrolled in programs like Snapshot (Progressive) or Drivewise (Allstate). These voluntary programs use apps and GPS devices to monitor driving habits and adjust a driver’s insurance rates accordingly. You may also qualify for discounts based on the safety features of your vehicle, such as anti-lock brakes, air bags, daytime running lights, and car alarms.

​There are also a few simple ways to lower your monthly car insurance premiums without discounts, like raising the deductible. The deductible is the amount of money you must pay up front when making a claim before your insurance covers your expenses. By raising the deductible, you can often reduce your monthly premiums substantially. Just be aware that you'll pay more out of pocket if you’re in an accident.

Another option is eliminating coverage. Dropping your collision and comprehensive insurance can lower your rates dramatically, and this can be a wise choice if you own an older car that isn’t worth very much. Of course, you should be careful about which coverages you adjust. It’s smart to keep high liability coverage to compensate others if you’re at fault in an accident, and to protect your assets in a lawsuit.

Important Laws Around Auto Insurance in Arizona

If you’ve applied for car insurance and been denied by multiple companies, you may want to consider buying coverage through the Arizona Automobile Insurance Plan. This program automatically assigns applicants to an insurance company and provides them with the minimum limits of liability coverage. It’s designed to help shoppers with a poor driving record or multiple insurance claims. These policies are typically much more expensive than those offered in the voluntary insurance market, though.

boonchai wedmakawand / Getty Images

Any liability insurance policy purchased in Arizona should protect you no matter where you drive in the United States and Canada. It won’t cover you in Mexico, however. Mexico has different insurance laws and only accepts policies written by companies based in Mexico. If you plan to drive in Mexico, you must purchase Mexican liability insurance from a licensed agent. Check with your insurance company to see if they have a partnership with a Mexican insurer. You can purchase a policy that covers you for just a few days, a few months, or even a year. Additional coverages can include legal and medical costs.

Arizona Driving Laws and Punishments

It’s illegal to drive a vehicle on public roads in Arizona if you don’t have liability insurance or another accepted form of financial responsibility. Your license and registration can be suspended for violating this law. You can also be fined between $500 and $1,000, and you risk having your vehicle impounded.

The “Buckle Up Arizona!” law requires front-seat passengers to wear seat belts. All passengers younger than 16 must always wear seat belts or appropriate child restraints as well, regardless of seating position.

Texting While Driving and Distracted Driver Laws in Arizona

Arizona restricts handheld cellphone usage for drivers with a graduated license (16- to 18-year-olds) or learners’ permit but otherwise doesn’t have a statewide distracted driving law. To compensate for this relaxed policy, a number of cities and counties have made it illegal to text or place calls while driving, unless the phone is connected using a hands-free device.

DUI Laws in Arizona

While its distracted-driving laws are fairly loose, Arizona has some of the strictest DUI laws in the nation. For drivers over the age of 21, operating a vehicle with a blood alcohol content of .08% or higher is punishable by a minimum of 10 days in jail, a fine of $1,250 or more, and a license suspension of at least 90 days. Subsequent violations result in a minimum of 90 days in jail, fines of at least $3,000, and a one-year license suspension. The penalties are more severe if you have a blood alcohol content of .15% or higher (extreme DUI).

Additionally, Arizona’s Zero Tolerance law states that no one under the age of 21 can operate a vehicle with any trace of alcohol or illicit drugs in their body. All drivers who violate this law will have their licenses suspended for two years. Arizona has an implied consent law, which means that all drivers are required to submit to alcohol or drug testing if a law enforcement officer suspects they are driving under the influence. Refusal to take one of these tests will result in an automatic one-year license suspension.

Arizona Car Insurance FAQs

Is Car Insurance Required in Arizona?

Yes, Arizona requires all drivers to be financially responsible for the injuries and damages they cause to others if they are at fault in a car accident. Car insurance is the recommended and most common way drivers meet this requirement.

Which Cars Are Required To Be Insured in Arizona?

Drivers must insure all vehicles registered in Arizona or demonstrate another accepted form of financial responsibility. This includes all cars, trucks, SUVs, motorcycles, mopeds, and golf carts that are driven on public roads. If you own a vehicle that is in storage or being repaired, you can temporarily discontinue its insurance coverage only if you have submitted a De-Insurance Certificate with the Arizona Motor Vehicle Division. You must reinsure the vehicle before returning it to use.

If you’re a nonresident of Arizona – such as a college student or an active member of the military – and drive a vehicle registered in another state, you must follow the car insurance and registration laws of that state. If you become a resident of Arizona, you must insure and register the vehicle in Arizona immediately.

When Should I Get Car Insurance in Arizona?

You must have car insurance before you can register any vehicle in Arizona. You can shop for insurance online, over the phone, at a car dealership, or in person with an agent or broker. If you’re buying a car and you have existing insurance on another vehicle, you should contact your insurer to have your next vehicle added to the policy.

What Happens if My Car Is Not Properly Insured in Arizona?

​You can be fined anywhere from $500 to $1,000 for driving in Arizona without car insurance or another accepted form of financial responsibility. You also run the risk of having your vehicle registration and drivers’ license suspended, as well as having your vehicle impounded.

Is Arizona a No-Fault state?

No, Arizona is an at-fault state. This means that a driver at fault in an accident must pay for the bodily injury and property damage they have caused to others. The liability insurance of the at-fault driver will compensate those injured until its coverage limits are met. If those injured still have outstanding medical expenses, the at-fault driver can be taken to court to pay these remaining bills.

By comparison, in a no-fault state like New York or Florida, all parties involved in an accident receive compensation for lost wages and medical costs from their own insurance policies. This occurs because no-fault states require drivers to purchase additional insurance coverage, known as Personal Injury Protection (PIP).

Do I Need Uninsured Motorist Coverage in Arizona?

No, uninsured motorist coverage isn’t required by Arizona law, but it is recommended. This insurance pays for your and your passengers’ medical bills and property damage if the driver at fault in an accident does not have insurance. This coverage also applies if the driver has minimal liability coverage or in the event of a hit-and-run accident.

Is Liability Insurance Required in Arizona?

Yes. Arizona recognizes three ways for drivers to show financial liability for the accidents they have caused. Liability insurance is the recommended way to meet this obligation. Minimum coverage of $15,000 is required for the injury of one person, $30,000 is required for the injury of two or more people, and $10,000 is required for all vehicle and property damage. It’s a smart idea to purchase extra liability coverage so you can adequately compensate others if you’re at fault in an accident. Otherwise, if those injured still have outstanding medical and repair costs, they can sue you to pay their remaining bills.

Accepted alternatives to liability insurance in Arizona include self-insurance (allowed if you own more than 10 registered vehicles) or a deposit of $40,000 with the state treasurer. These are uncommon methods.

Does Arizona Accept Digital Insurance Cards?

Yes, these cards can be displayed on portable electronic devices like a smartphone. Check with your insurer to see if they provide this form of insurance card.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.