Cheap Car Insurance in Arizona – March 2023
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Table of Contents
- How we chose the cheapest companies in Arizona
- Cheapest for 20-year-old drivers
- Cheapest for 30-year-old drivers
- Cheapest for 40-year-old drivers
- Cheapest for 50-year-old drivers
- Cheapest for 60-year-old drivers
- Cheapest for 70-year-old drivers
- Cheapest car insurance for military families
- Minimum required auto insurance in Arizona
- Alternative car insurance in Arizona
Auto insurance is an important purchase, but finding cheap car insurance in Arizona isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Arizona is Noblr at $771 per year on average, or $64 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Arizona. Meanwhile, the average cost of full coverage car insurance in Arizona is $2,155 per year, or about $180 per month.
Minimum coverage in Arizona is $711 per year on average, but we found you can likely get a cheaper policy. For example, Noblr offers the cheapest rates in Arizona at $278 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
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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 26 auto insurers in Arizona and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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 the best 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:
Noblr: $1,383 per year, or about $115 per month.
QBE: $2,141 per year, or about $178 per month.
Auto-Owners: $2,281 per year, or about $190 per month.
Travelers: $2,616 per year, or about $218 per month.
Farm Bureau Financial Services: $2,640 per year, or about $220 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:
Noblr: $445 per year, or about $37 per month.
Travelers: $555 per year, or about $46 per month.
QBE: $729 per year, or about $61 per month.
Auto-Owners: $776 per year, or about $65 per month.
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:
Noblr: $542 per year, or about $45 per month.
Travelers: $694 per year, or about $58 per month.
QBE: $1,404 per year, or about $117 per month.
Root: $1,479 per year, or about $123 per month.
Allstate: $1,523 per year, or about $127 per month.
Cheapest auto insurance in Arizona for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
Noblr: $497 per year, or about $41 per month.
Travelers: $628 per year, or about $52 per month.
QBE: $1,020 per year, or about $85 per month.
ACCC Insurance: $1,108 per year, or about $92 per month.
Root: $1,241 per year, or about $103 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:
Noblr: $540 per year, or about $45 per month.
Travelers: $671 per year, or about $56 per month.
QBE: $1,020 per year, or about $85 per month.
Auto-Owners: $1,202 per year, or about $100 per month.
Root: $1,276 per year, or about $106 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.
Noblr: $518 per year, or about $43 per month.
Travelers: $684 per year, or about $57 per month.
ACCC Insurance: $1,054 per year, or about $88 per month.
Root: $1,225 per year, or about $102 per month.
Progressive: $1,381 per year, or about $115 per month.
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:
Noblr: $781 per year, or about $65 per month.
Auto-Owners: $1,190 per year, or about $99 per month.
QBE: $1,315 per year, or about $110 per month.
Farm Bureau Financial Services: $1,332 per year, or about $111 per month.
ACCC Insurance: $1,555 per year, or about $130 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:
Noblr: $280 per year, or about $23 per month.
Auto-Owners: $339 per year, or about $28 per month.
Travelers: $369 per year, or about $31 per month.
State Farm: $475 per year, or about $40 per month.
QBE: $489 per year, or about $41 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:
Noblr: $1,116 per year, or about $93 per month.
QBE: $2,256 per year, or about $188 per month.
Farm Bureau Financial Services: $2,267 per year, or about $189 per month.
Travelers: $2,302 per year, or about $192 per month.
Root: $2,337 per year, or about $195 per month.
Cheapest auto insurance in Arizona for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
Noblr: $323 per year, or about $27 per month.
Travelers: $416 per year, or about $35 per month.
State Farm: $547 per year, or about $46 per month.
Farm Bureau Financial Services: $639 per year, or about $53 per month.
Geico: $682 per year, or about $57 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:
Noblr: $1,073 per year, or about $89 per month.
Auto-Owners: $1,618 per year, or about $135 per month.
QBE: $1,907 per year, or about $159 per month.
State Farm: $1,953 per year, or about $163 per month.
Travelers: $2,064 per year, or about $172 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.
Noblr: $1,026 per year, or about $86 per month.
ACCC Insurance: $1,643 per year, or about $137 per month.
Root: $1,938 per year, or about $162 per month.
Progressive: $1,992 per year, or about $166 per month.
Auto-Owners: $2,046 per year, or about $170 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:
Noblr: $740 per year, or about $62 per month.
Auto-Owners: $1,154 per year, or about $96 per month.
Farm Bureau Financial Services: $1,330 per year, or about $111 per month.
ACCC Insurance: $1,334 per year, or about $111 per month.
QBE: $1,350 per year, or about $112 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:
Noblr: $272 per year, or about $23 per month.
Auto-Owners: $314 per year, or about $26 per month.
Travelers: $339 per year, or about $28 per month.
State Farm: $482 per year, or about $40 per month.
QBE: $510 per year, or about $42 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:
Noblr: $1,060 per year, or about $88 per month.
Travelers: $2,040 per year, or about $170 per month.
QBE: $2,170 per year, or about $181 per month.
Geico: $2,223 per year, or about $185 per month.
ACCC Insurance: $2,252 per year, or about $188 per month.
Cheapest auto insurance in Arizona for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
Noblr: $316 per year, or about $26 per month.
Travelers: $400 per year, or about $33 per month.
State Farm: $554 per year, or about $46 per month.
Geico: $588 per year, or about $49 per month.
ACCC Insurance: $636 per year, or about $53 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:
Noblr: $1,029 per year, or about $86 per month.
Auto-Owners: $1,558 per year, or about $130 per month.
State Farm: $1,908 per year, or about $159 per month.
Travelers: $1,925 per year, or about $160 per month.
QBE: $2,026 per year, or about $169 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.
Noblr: $984 per year, or about $82 per month.
ACCC Insurance: $1,409 per year, or about $117 per month.
Progressive: $1,861 per year, or about $155 per month.
Root: $1,958 per year, or about $163 per month.
Auto-Owners: $1,960 per year, or about $163 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 cheap auto 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:
Noblr: $685 per year, or about $57 per month.
Auto-Owners: $1,103 per year, or about $92 per month.
Farm Bureau Financial Services: $1,194 per year, or about $100 per month.
ACCC Insurance: $1,242 per year, or about $104 per month.
Travelers: $1,344 per year, or about $112 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:
Noblr: $265 per year, or about $22 per month.
Auto-Owners: $294 per year, or about $24 per month.
Travelers: $339 per year, or about $28 per month.
Farm Bureau Financial Services: $456 per year, or about $38 per month.
State Farm: $476 per year, or about $40 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:
Noblr: $976 per year, or about $81 per month.
Travelers: $2,003 per year, or about $167 per month.
Farm Bureau Financial Services: $2,018 per year, or about $168 per month.
ACCC Insurance: $2,098 per year, or about $175 per month.
Geico: $2,116 per year, or about $176 per month.
Cheapest auto insurance in Arizona for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
Noblr: $308 per year, or about $26 per month.
Travelers: $400 per year, or about $33 per month.
State Farm: $547 per year, or about $46 per month.
Farm Bureau Financial Services: $555 per year, or about $46 per month.
Geico: $569 per year, or about $47 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:
Noblr: $970 per year, or about $81 per month.
Auto-Owners: $1,480 per year, or about $123 per month.
State Farm: $1,858 per year, or about $155 per month.
Travelers: $1,889 per year, or about $157 per month.
ACCC Insurance: $1,906 per year, or about $159 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.
Noblr: $929 per year, or about $77 per month.
ACCC Insurance: $1,311 per year, or about $109 per month.
Progressive: $1,685 per year, or about $140 per month.
Auto-Owners: $1,857 per year, or about $155 per month.
Root: $1,948 per year, or about $162 per month.
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 car 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:
Noblr: $681 per year, or about $57 per month.
ACCC Insurance: $1,089 per year, or about $91 per month.
Auto-Owners: $1,096 per year, or about $91 per month.
Farm Bureau Financial Services: $1,201 per year, or about $100 per month.
Travelers: $1,230 per year, or about $102 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:
Noblr: $266 per year, or about $22 per month.
Auto-Owners: $285 per year, or about $24 per month.
Travelers: $331 per year, or about $28 per month.
Mercury: $431 per year, or about $36 per month.
State Farm: $440 per year, or about $37 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:
Noblr: $968 per year, or about $81 per month.
ACCC Insurance: $1,834 per year, or about $153 per month.
Travelers: $1,863 per year, or about $155 per month.
Farm Bureau Financial Services: $2,031 per year, or about $169 per month.
QBE: $2,052 per year, or about $171 per month.
Cheapest auto insurance in Arizona for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
Noblr: $309 per year, or about $26 per month.
Travelers: $396 per year, or about $33 per month.
State Farm: $506 per year, or about $42 per month.
ACCC Insurance: $516 per year, or about $43 per month.
Farm Bureau Financial Services: $563 per year, or about $47 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:
Noblr: $965 per year, or about $80 per month.
Auto-Owners: $1,462 per year, or about $122 per month.
ACCC Insurance: $1,704 per year, or about $142 per month.
State Farm: $1,738 per year, or about $145 per month.
Travelers: $1,803 per year, or about $150 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.
Noblr: $924 per year, or about $77 per month.
ACCC Insurance: $1,149 per year, or about $96 per month.
Progressive: $1,627 per year, or about $136 per month.
Auto-Owners: $1,828 per year, or about $152 per month.
Travelers: $1,899 per year, or about $158 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Arizona for 70-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:
Noblr: $768 per year, or about $64 per month.
ACCC Insurance: $1,222 per year, or about $102 per month.
Auto-Owners: $1,245 per year, or about $104 per month.
Farm Bureau Financial Services: $1,304 per year, or about $109 per month.
Travelers: $1,358 per year, or about $113 per month.
Cheapest minimum coverage car insurance in Arizona for 70-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:
Noblr: $295 per year, or about $25 per month.
Auto-Owners: $356 per year, or about $30 per month.
Travelers: $371 per year, or about $31 per month.
State Farm: $473 per year, or about $39 per month.
Farm Bureau Financial Services: $523 per year, or about $44 per month.
Cheapest auto insurance in Arizona for 70-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:
Noblr: $1,091 per year, or about $91 per month.
ACCC Insurance: $2,060 per year, or about $172 per month.
Travelers: $2,120 per year, or about $177 per month.
QBE: $2,133 per year, or about $178 per month.
Farm Bureau Financial Services: $2,218 per year, or about $185 per month.
Cheapest auto insurance in Arizona for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
Noblr: $339 per year, or about $28 per month.
Travelers: $471 per year, or about $39 per month.
State Farm: $546 per year, or about $46 per month.
Farm Bureau Financial Services: $637 per year, or about $53 per month.
Geico: $680 per year, or about $57 per month.
Cheapest auto insurance in Arizona for 70-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:
Noblr: $1,059 per year, or about $88 per month.
Auto-Owners: $1,695 per year, or about $141 per month.
State Farm: $1,842 per year, or about $154 per month.
ACCC Insurance: $1,897 per year, or about $158 per month.
Travelers: $2,058 per year, or about $172 per month.
Cheapest auto insurance in Arizona for 70-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.
Noblr: $1,012 per year, or about $84 per month.
ACCC Insurance: $1,290 per year, or about $108 per month.
Progressive: $1,926 per year, or about $160 per month.
Auto-Owners: $2,145 per year, or about $179 per month.
Travelers: $2,166 per year, or about $180 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 56 of the 70 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.
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.
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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
