Looking to find cheap car insurance rates in Arizona? We evaluated average rates for 11 large auto insurance companies in Arizona. Whether you’re a good driver or you have a spotty driving record, shopping for good rates can pay off, as you’ll see below. The cheapest Arizona insurance options will change based on your driving record and even credit.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Finding Cheap Car Insurance in Arizona
Comparing quotes to find cheap car insurance in Arizona shouldn’t be a hassle. We evaluated options in Arizona to find the lowest options.
Cheap Arizona car insurance for good drivers
Root and General Casualty are the cheapest Arizona car insurance companies for good drivers, among the companies we analyzed.
Cheap car insurance in Arizona for drivers with a speeding ticket
A speeding ticket increases car insurance rates by 25% in Arizona. The exact rate increase will vary by insurance company. Even though you’ll face higher insurance rates, you can still compare quotes for the best car insurance.
Root and Nationwide have the lowest average costs for drivers with a speeding ticket in Arizona, so make sure to get quotes from those companies if you’re shopping for Arizona car insurance and have a speeding ticket on your record.
Cheap Arizona car insurance for drivers who caused an accident with injury
Causing a car crash that results in an injury to someone else will make it difficult to find cheap car insurance. Our analysis found an average increase of 49% in Arizona compared to drivers with a good driving record.
If you cause a car accident with an injury, Root and General Casualty may have the most competitive rates among the companies in our analysis.
Cheap Arizona car insurance for drivers with a DUI
Car insurance premiums in Arizona go up an average of 62% if you have a DUI conviction on your record. You can still compare car insurance quotes to look for better rates.
The cheapest Arizona car insurance companies for drivers with a DUI are Root and ACCC Insurance, among the insurers we analyzed.
Cheap Arizona car insurance for drivers with poor credit
Arizona car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 113% more for auto insurance in Arizona.
Root and ACCC Insurance may be good choices if you’re looking for cheap Arizona auto insurance and you have poor credit.
Cheap Arizona Car Insurance for Adding a Teen Driver
Adding a teen to your insurance increases rates by an average of 72% in Arizona, compared to rates for a married couple without a teen driver.
Consider getting quotes from ALFA and Columbia Group if you’re looking for cheap car insurance for teens in Arizona.
Cheap Arizona car insurance for young drivers ages 18 to 25
Purchasing your own car insurance is a pricey entry into adulthood. Our analysis found that Noblr Reciprocal Exchange and Root offer the cheapest Arizona car insurance for young drivers.
Cheap Arizona car insurance for senior drivers age 60-80
Noblr Reciprocal Exchange and USAA offer the best car insurance for seniors who are looking for low costs in Arizona. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Older Adult Discount in Arizona
All older adults who are age 55 and over are eligible for a car insurance discount in Arizona. The state requires insurance companies to offer a discount for drivers who have completed an approved driver improvement course within the last three years. That course must feature classroom instruction or driving practice.
Least Expensive Vehicles to Insure in Arizona
In Arizona, the Honda CR-V, Jeep Wrangler Sport and Subaru Forester are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
Cars with the most expensive insurance rates in Arizona among popular models are the Lexus ES 300H ($2,238 a year) and Tesla Model S Performance ($3,429 a year).
| Vehicle | Average annual premium in Arizona |
|---|---|
|
Honda CR-V LX
|
$1,605
|
|
Jeep Wrangler JL Sport
|
$1,624
|
|
Subaru Forester 2.5i
|
$1,631
|
|
Ford Escape S
|
$1,639
|
|
Subaru Crosstrek
|
$1,646
|
|
Hyundai Tucson SE
|
$1,647
|
|
Jeep Compass Latitude
|
$1,655
|
|
Chevrolet Equinox L
|
$1,658
|
|
Ford F-150 XL
|
$1,659
|
|
Volkswagen Tiguan SE
|
$1,675
|
|
Kia Sportage EX
|
$1,678
|
|
Chevrolet Trax LS
|
$1,680
|
|
Toyota Tacoma SR
|
$1,684
|
|
Ford Edge SE
|
$1,692
|
|
Dodge Grand Caravan SE
|
$1,695
|
|
Toyota RAV4 LE
|
$1,698
|
|
Mazda CX-5 Grand Touring
|
$1,703
|
|
Chevrolet Traverse LS
|
$1,710
|
|
Honda Pilot SE
|
$1,717
|
|
Nissan Rogue S
|
$1,719
|
Required Arizona Auto Insurance
Liability car insurance pays for damage and injuries you cause to others. For example, if you rear end another car at a stop sign, the other driver can make a claim against your liability insurance. Car owners in Arizona must buy at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
- $15,000 for property damage in one accident.
This is often written as 25/50/15.
Arizona’s state minimum is insufficient. Consider this: If you cause an auto accident that results in an injury to someone else, their medical bills could easily surpass the $15,000 minimum. You could be sued for the rest. If you have savings and assets, it’s a good idea to purchase higher limits.
What Else Should I Have in Arizona?
Uninsured motorist (UM) coverage. Arizona requires car insurance companies to offer uninsured motorist coverage. UM insurance pays for property damage and injuries if a driver without insurance crashes into you. You don’t have to accept UM coverage; you can reject it on a state-approved form. If you do buy UM insurance, you must purchase at least 15/30. This is good coverage to have.
Underinsured motorist coverage. Arizona also requires that car insurance companies offer you underinsured motorist (UIM) coverage. You can reject this coverage on a state-approved form. This coverage pays for injuries and damage when a driver crashes into you but doesn’t carry enough insurance. When their insurance runs out, your UIM coverage will kick in. Generally, this is a good coverage type to have.
Medical coverage. Medical payments (MedPay) help pay for medical and funeral expenses for you and your passengers after a car accident, no matter who is at fault. Even if you have health insurance, MedPay can be a valuable coverage because it helps cover your health plan deductibles and co-insurance.
Collision and comprehensive coverage. You’re not required to purchase collision and comprehensive coverage, but together they cover a wide range of problems, such as car accidents, car theft and vehicle damage from vandalism, riots, floods, fire, hail, failing objects (like tree branches) and collisions with animals. If you have a car loan or lease, your lender or leasing company will likely require that you buy these coverage types.
Summary: Required Arizona Auto Insurance
| Coverage | Required Minimum in Arizona |
|---|---|
|
Liability insurance
|
|
|
Uninsured motorist coverage
|
Not required
|
|
Underinsured motorist coverage
|
Not required
|
|
Medical payments
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Arizona?
In Arizona you can use your phone to show an auto insurance ID card. Check with your auto insurer to see if they have a mobile app that includes electronic ID cards.
Factors Allowed in Arizona Car Insurance Rates
Car insurance companies in Arizona look at a variety of factors to determine rates, such as your driving history, past insurance claims and vehicle model. In Arizona, companies can also take a look at these factors.
| Factor | Allowed in Arizona? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Arizona?
About 12% of Arizona drivers have no insurance, according to the Insurance Research Council. If a driver with no insurance causes a crash, you could take your chances in court and file a lawsuit. Another option is using your uninsured motorist coverage for car damage and injuries.
Can My Insurance Be Canceled in Arizona?
After your car insurance policy has been effective for 60 days, Arizona law allows your insurance company to cancel your policy only for the following reasons:
- You didn’t pay the premium.
- You obtained the auto insurance through fraudulent misrepresentation.
- You or anyone who regularly drives your car has had their driver’s license suspended or revoked during the policy period.
- You or anyone who regularly drives your car was convicted during the 36 months immediately preceding the policy effective date or during the policy period of 1) criminal negligence resulting in death, homicide or assault arising out of the operation of the vehicle; 2) operating a motor vehicle while intoxicated or under the influence of drugs; 3) leaving the scene of an accident; 4) making false statements in an application for a driver’s license; reckless driving.
- You or anyone who regularly drives your car has become permanently disabled and cannot produce a certificate from a physician testifying to your ability to drive a car.
- You are placed in rehabilitation or receivership.
- You’re using your car for commercial purposes.
- The director of insurance has determined that the continuation of your insurance policy would place the insurance company in violation of the laws of Arizona and would jeopardize the solvency of the insurer.
Penalties for Driving Without Arizona Auto Insurance
If you get caught driving without insurance in Arizona, you can be fined $500 and face a suspension of license and registration for three months.
When Can a Vehicle Be Totaled in Arizona?
If your vehicle is badly damaged by a problem covered by your policy (like a car accident or flood), your insurance company could declare the car a total loss if the cost of repairs (plus the scrap value) is more than the actual cash value of your car before the accident.
Get Help Solving Arizona Insurance Problems
The Arizona Department of Insurance monitors insurance companies and takes consumer complaints. If you believe your insurance company or agent has violated Arizona law, you can file a complaint here.
Methodology
To find the cheapest auto insurance companies in Arizona, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Arizona are based on rates from ACCC Insurance, Allied, Allstate, American Family, Auto-Owners, Country, CSAA, Esurance, Farm Bureau Mutual (Iowa Group), Farmers, Geico, Selective, General Casualty, Hartford, Mercury, Metromile, Nationwide, Permanent General, Progressive, Root, Safe Auto, Safeway, State Farm, Travelers, Unigard and USAA.
