If you’re looking for cheap car insurance quotes in Arizona, shopping around is key. Rates fluctuate from one company to the next, based in part on personal factors such as age, ZIP code and credit history.
It’s a lot to keep track of, but NerdWallet has done the hard part for you. We looked at rates from the nine largest insurers in the state and found the cheapest options for several categories.
» FIND YOUR MATCH: Who’s the cheapest carrier for you?
Cheapest for good drivers
State Farm was the cheapest carrier we found for Arizonans with clean driving and credit records, at roughly $102 per month, on average. Esurance and American Family came in second and third, respectively, at very similar prices.
Cheapest for drivers with poor credit
Geico had the cheapest insurance rates we found for Arizona drivers with spotty credit, at about $174 per month, on average. American Family and Esurance also make the list, both coming in under $200 per month, on average.
Cheapest for drivers with one at-fault crash
State Farm had the lowest auto insurance rates in Arizona, on average, for drivers with a recent accident on record — $122 per month. Geico comes in second and American Family comes in third, a full $100 per month more expensive than State Farm, on average.
Cheapest for low-mileage drivers
State Farm was the cheapest insurer for low-mileage Arizona drivers, at $91 per month, on average. American Family and Geico also make the list.
Honorable mention: Low-mileage drivers
Metromile is a company that targets drivers who clock few annual miles, often providing the cheapest rates for these drivers. We can’t get rate estimates because this company charges a monthly base rate, plus a per-mile rate each month. But the less you drive, the less you pay, and a road trip here or there won’t break the bank — the company won’t charge you for more than 250 miles per day.
Cheapest for minimum coverage
Geico was the cheapest carrier we found for minimum coverage auto insurance in Arizona at $41 per month, on average. State Farm and Progressive round out the list, all three contenders with average prices of $50 or less for bare-bones coverage.
Cheap 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 good you’ll get a cheaper-than-average rate with USAA, an option that isn’t available to the general public. USAA offered the cheapest sample quote for every driver type listed above — sometimes by a significant amount.
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:
- $15,000 bodily injury liability per person.
- $30,000 bodily injury liability per accident.
- $10,000 property damage liability per accident.
Keep in mind, a severe accident could easily leave you owing more than, say, $10,000 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 comparison tool to view rates from top companies side by side and possibly save hundreds on your premium.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in Arizona
|Good drivers||State Farm|
|Drivers with poor credit||Geico|
|Drivers with one at-fault crash||State Farm|
|Low-mileage drivers||State Farm|
|Cheap for military families||USAA|
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per crash.
- $50,000 property damage liability coverage per crash.
- $100,000 uninsured motorist bodily injury coverage per person.
- $300,000 uninsured motorist bodily injury coverage per crash.
- Collision coverage with $1,000 deductible.
- Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
- For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
- For drivers with one at-fault crash, we added a single at-fault crash.
- For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
- For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.