The Cheapest Car Insurance in Arizona for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Arizona for a variety of ages and driving histories.
Dec 8, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Arizona isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Arizona is $1,669 per year, or about $139 per month, according to NerdWallet’s analysis. Minimum coverage in Arizona is $588 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Arizona at $305 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Arizona

$89/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$25/month

4.5

NerdWallet rating 

Cheapest for young drivers

$143/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$89/month

4.5

NerdWallet rating 

If you're looking for affordable car insurance in your city, check out NerdWallet's analysis of some of the largest Arizona cities, including:

How we chose the cheapest companies in Arizona

NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Arizona and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Arizona. For full coverage, we used the below 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Arizona for 20-year-olds

Drivers in Arizona with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $1,712 per year, or about $143 per month.

  2. QBE: $1,801 per year, or about $150 per month.

  3. Travelers: $2,311 per year, or about $193 per month.

  4. ACCC Insurance: $2,483 per year, or about $207 per month.

  5. Farm Bureau Financial Services: $2,489 per year, or about $207 per month.

Cheapest minimum coverage car insurance in Arizona for 20-year-olds

Drivers in Arizona who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $579 per year, or about $48 per month.

  2. QBE: $677 per year, or about $56 per month.

  3. Travelers: $724 per year, or about $60 per month.

  4. Allstate: $919 per year, or about $77 per month.

  5. ACCC Insurance: $993 per year, or about $83 per month.

Cheapest auto insurance in Arizona for 20-year-olds with poor credit

Drivers with poor credit in Arizona should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $967 per year, or about $81 per month.

  2. Travelers: $1,047 per year, or about $87 per month.

  3. Allstate: $1,185 per year, or about $99 per month.

  4. QBE: $1,298 per year, or about $108 per month.

  5. Safeway: $1,549 per year, or about $129 per month.

Cheapest auto insurance in Arizona for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Arizona, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $858 per year, or about $72 per month.

  2. Travelers: $933 per year, or about $78 per month.

  3. QBE: $1,130 per year, or about $94 per month.

  4. Allstate: $1,392 per year, or about $116 per month.

  5. ACCC Insurance: $1,457 per year, or about $121 per month.

Cheapest auto insurance in Arizona for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Travelers: $1,052 per year, or about $88 per month.

  2. ACCC Insurance: $1,054 per year, or about $88 per month.

  3. QBE: $1,298 per year, or about $108 per month.

  4. Allstate: $1,483 per year, or about $124 per month.

  5. Progressive: $1,508 per year, or about $126 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Arizona for 30-year-olds

Drivers in Arizona with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,054 per year, or about $88 per month.

  2. QBE: $1,118 per year, or about $93 per month.

  3. Nationwide: $1,213 per year, or about $101 per month.

  4. Farm Bureau Financial Services: $1,261 per year, or about $105 per month.

  5. Travelers: $1,374 per year, or about $114 per month.

Cheapest minimum coverage car insurance in Arizona for 30-year-olds

Drivers in Arizona who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $307 per year, or about $26 per month.

  2. Travelers: $433 per year, or about $36 per month.

  3. QBE: $451 per year, or about $38 per month.

  4. Encompass: $497 per year, or about $41 per month.

  5. Farm Bureau Financial Services: $514 per year, or about $43 per month.

Cheapest auto insurance in Arizona for 30-year-olds with poor credit

Drivers with poor credit in Arizona should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,357 per year, or about $113 per month.

  2. Nationwide: $1,705 per year, or about $142 per month.

  3. QBE: $1,915 per year, or about $160 per month.

  4. Farm Bureau Financial Services: $2,130 per year, or about $178 per month.

  5. Travelers: $2,169 per year, or about $181 per month.

Cheapest auto insurance in Arizona for 30-year-old drivers with one at-fault crash

For drivers in Arizona with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,802 per year, or about $150 per month.

  2. Geico: $1,808 per year, or about $151 per month.

  3. Nationwide: $1,874 per year, or about $156 per month.

  4. State Farm: $1,876 per year, or about $156 per month.

  5. Encompass: $2,082 per year, or about $174 per month.

Cheapest auto insurance in Arizona for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. ACCC Insurance: $1,551 per year, or about $129 per month.

  2. Progressive: $1,935 per year, or about $161 per month.

  3. Travelers: $1,958 per year, or about $163 per month.

  4. State Farm: $2,236 per year, or about $186 per month.

  5. Esurance: $2,238 per year, or about $186 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Arizona for 40-year-olds

Drivers in Arizona with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $964 per year, or about $80 per month.

  2. Nationwide: $1,144 per year, or about $95 per month.

  3. QBE: $1,150 per year, or about $96 per month.

  4. Travelers: $1,225 per year, or about $102 per month.

  5. ACCC Insurance: $1,257 per year, or about $105 per month.

Cheapest minimum coverage car insurance in Arizona for 40-year-olds

Drivers in Arizona who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $272 per year, or about $23 per month.

  2. Travelers: $393 per year, or about $33 per month.

  3. QBE: $471 per year, or about $39 per month.

  4. The Hartford: $481 per year, or about $40 per month.

  5. Mercury: $491 per year, or about $41 per month.

Cheapest auto insurance in Arizona for 40-year-olds with poor credit

Drivers with poor credit in Arizona can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,274 per year, or about $106 per month.

  2. Nationwide: $1,609 per year, or about $134 per month.

  3. QBE: $1,844 per year, or about $154 per month.

  4. Safeway: $1,891 per year, or about $158 per month.

  5. Mercury: $1,924 per year, or about $160 per month.

Cheapest auto insurance in Arizona for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Arizona, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,705 per year, or about $142 per month.

  2. Geico: $1,765 per year, or about $147 per month.

  3. Nationwide: $1,789 per year, or about $149 per month.

  4. State Farm: $1,848 per year, or about $154 per month.

  5. ACCC Insurance: $1,909 per year, or about $159 per month.

Cheapest auto insurance in Arizona for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. ACCC Insurance: $1,327 per year, or about $111 per month.

  2. Progressive: $1,809 per year, or about $151 per month.

  3. Travelers: $1,854 per year, or about $154 per month.

  4. The Hartford: $1,944 per year, or about $162 per month.

  5. Mercury: $2,078 per year, or about $173 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Arizona for 50-year-olds

Drivers in Arizona with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $965 per year, or about $80 per month.

  2. Nationwide: $1,066 per year, or about $89 per month.

  3. Farm Bureau Financial Services: $1,132 per year, or about $94 per month.

  4. The Hartford: $1,135 per year, or about $95 per month.

  5. ACCC Insurance: $1,168 per year, or about $97 per month.

Cheapest minimum coverage car insurance in Arizona for 50-year-olds

Drivers in Arizona who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $271 per year, or about $23 per month.

  2. The Hartford: $392 per year, or about $33 per month.

  3. Travelers: $393 per year, or about $33 per month.

  4. Farm Bureau Financial Services: $447 per year, or about $37 per month.

  5. Mercury: $469 per year, or about $39 per month.

Cheapest auto insurance in Arizona for 50-year-olds with poor credit

Drivers with poor credit in Arizona can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,283 per year, or about $107 per month.

  2. Nationwide: $1,499 per year, or about $125 per month.

  3. Safeway: $1,749 per year, or about $146 per month.

  4. Mercury: $1,810 per year, or about $151 per month.

  5. QBE: $1,851 per year, or about $154 per month.

Cheapest auto insurance in Arizona for 50-year-old drivers with one at-fault crash

For drivers living in Arizona with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. The Hartford: $1,639 per year, or about $137 per month.

  2. Travelers: $1,681 per year, or about $140 per month.

  3. Nationwide: $1,682 per year, or about $140 per month.

  4. Geico: $1,778 per year, or about $148 per month.

  5. ACCC Insurance: $1,792 per year, or about $149 per month.

Cheapest auto insurance in Arizona for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. ACCC Insurance: $1,233 per year, or about $103 per month.

  2. Progressive: $1,663 per year, or about $139 per month.

  3. The Hartford: $1,669 per year, or about $139 per month.

  4. Travelers: $1,827 per year, or about $152 per month.

  5. Mercury: $2,064 per year, or about $172 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Arizona for 60-year-olds

Drivers in Arizona with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $967 per year, or about $81 per month.

  2. Nationwide: $1,015 per year, or about $85 per month.

  3. ACCC Insurance: $1,027 per year, or about $86 per month.

  4. Travelers: $1,116 per year, or about $93 per month.

  5. The Hartford: $1,124 per year, or about $94 per month.

Cheapest minimum coverage car insurance in Arizona for 60-year-olds

Drivers in Arizona who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $275 per year, or about $23 per month.

  2. Travelers: $377 per year, or about $31 per month.

  3. The Hartford: $397 per year, or about $33 per month.

  4. ACCC Insurance: $452 per year, or about $38 per month.

  5. Farm Bureau Financial Services: $453 per year, or about $38 per month.

Cheapest auto insurance in Arizona for 60-year-olds with poor credit

Drivers with poor credit in Arizona can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,283 per year, or about $107 per month.

  2. Nationwide: $1,425 per year, or about $119 per month.

  3. ACCC Insurance: $1,725 per year, or about $144 per month.

  4. QBE: $1,743 per year, or about $145 per month.

  5. Mercury: $1,750 per year, or about $146 per month.

Cheapest auto insurance in Arizona for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Arizona, here are the companies with the lowest average rates for full coverage:

  1. ACCC Insurance: $1,606 per year, or about $134 per month.

  2. Nationwide: $1,614 per year, or about $134 per month.

  3. The Hartford: $1,624 per year, or about $135 per month.

  4. Travelers: $1,630 per year, or about $136 per month.

  5. State Farm: $1,728 per year, or about $144 per month.

Cheapest auto insurance in Arizona for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. ACCC Insurance: $1,084 per year, or about $90 per month.

  2. Progressive: $1,596 per year, or about $133 per month.

  3. The Hartford: $1,650 per year, or about $138 per month.

  4. Travelers: $1,774 per year, or about $148 per month.

  5. Mercury: $2,017 per year, or about $168 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 19 of the 48 driver profiles we examined.

Minimum required auto insurance in Arizona

Arizona drivers must carry liability insurance, which pays out if you’re at fault in a crash to help cover others’ property damage and injury treatment.

The minimum liability limits you must select to drive legally in Arizona are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Keep in mind, a severe accident could easily leave you owing more than, say, $15,000 in repairs to another driver’s car. In that case, the remaining amount would have to come out of your hard-earned savings. For that reason, experts recommend getting more than the bare minimum, as well as common optional features such as collision, comprehensive and uninsured motorist coverage.

Check out NerdWallet’s guide to state car insurance requirements for help understanding and improving your Arizona policy.

Alternative car insurance in Arizona

High-risk drivers who are denied coverage through the open market can seek car insurance through the Arizona Automobile Insurance Plan.

Try our handy car insurance comparison tool to view rates from top companies side by side and possibly save hundreds on your premium.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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