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Best Cheap Car Insurance in Arizona for 2021

Dec. 11, 2020
Auto Insurance, Insurance
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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.

Call for a personalized auto quote: 800-259-1826

It’s a lot to keep track of, but NerdWallet has done the hard part for you. We looked at rates from 34 insurers in the state and found the cheapest options for several categories.

Cheapest for 20-year-old drivers in Arizona

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 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. QBE: $1,706 per year.
  2. Geico: $1,768 per year.
  3. CSAA: $1,984 per year.
  4. Travelers: $2,325 per year.
  5. American Family: $2,386 per year.
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Cheapest minimum coverage 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. CSAA: $632 per year.
  2. QBE: $647 per year.
  3. Geico: $657 per year.
  4. Travelers: $786 per year.
  5. Allstate: $953 per year.
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Cheapest coverage for 20-year-olds with poor credit in Arizona

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

  1. Geico: $1,103 per year.
  2. Travelers: $1,171 per year.
  3. Allstate: $1,232 per year.
  4. QBE: $1,244 per year.
  5. Hallmark Insurance: $1,490 per year.
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Cheapest for 20-year-old drivers with one at-fault crash in Arizona

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

  1. CSAA: $720 per year.
  2. Geico: $976 per year.
  3. Travelers: $1,023 per year.
  4. QBE: $1,082 per year.
  5. Country Financial: $1,337 per year.
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Cheapest insurance for 20-year-old drivers after a DUI in Arizona

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

  1. CSAA: $805 per year.
  2. ACCC Insurance: $1,054 per year.
  3. Travelers: $1,182 per year.
  4. QBE: $1,242 per year.
  5. Hallmark Insurance: $1,247 per year.
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Cheapest for 30-year-old drivers in Arizona

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 in Arizona for 30-year-olds

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

  1. QBE: $1,060 per year.
  2. Geico: $1,087 per year.
  3. Nationwide: $1,179 per year.
  4. Farm Bureau Financial Services: $1,203 per year.
  5. Esurance: $1,347 per year.
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Cheapest minimum coverage 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: $346 per year.
  2. CSAA: $432 per year.
  3. QBE: $433 per year.
  4. Travelers: $465 per year.
  5. Nationwide: $506 per year.
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Cheapest coverage for 30-year-olds with poor credit in Arizona

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

  1. Geico: $1,388 per year.
  2. Nationwide: $1,658 per year.
  3. QBE: $1,817 per year.
  4. Farm Bureau Financial Services: $2,036 per year.
  5. Encompass: $2,153 per year.
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Cheapest for 30-year-old drivers with one at-fault crash in Arizona

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

  1. American Family: $1,462 per year.
  2. Nationwide: $1,804 per year.
  3. Travelers: $1,808 per year.
  4. State Farm: $1,877 per year.
  5. Geico: $1,880 per year.
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Cheapest insurance for 30-year-old drivers after a DUI in Arizona

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

  1. CSAA: $1,844 per year.
  2. Travelers: $1,988 per year.
  3. Progressive: $1,990 per year.
  4. American Family: $2,005 per year.
  5. The Hartford: $2,113 per year.
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Cheapest for 40-year-old drivers in Arizona

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 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: $970 per year.
  2. QBE: $1,090 per year.
  3. Nationwide: $1,109 per year.
  4. The Hartford: $1,221 per year.
  5. Travelers: $1,235 per year.
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Cheapest minimum coverage 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: $303 per year.
  2. Travelers: $423 per year.
  3. CSAA: $433 per year.
  4. QBE: $452 per year.
  5. Nationwide: $458 per year.
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Cheapest coverage for 40-year-olds with poor credit in Arizona

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

  1. Geico: $1,270 per year.
  2. Nationwide: $1,560 per year.
  3. QBE: $1,748 per year.
  4. Mercury: $1,903 per year.
  5. Travelers: $1,982 per year.
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Cheapest for 40-year-old drivers with one at-fault crash in Arizona

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

  1. American Family: $1,348 per year.
  2. Nationwide: $1,713 per year.
  3. Travelers: $1,716 per year.
  4. Geico: $1,798 per year.
  5. The Hartford: $1,811 per year.
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Cheapest insurance for 40-year-old drivers after a DUI in Arizona

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

  1. CSAA: $1,780 per year.
  2. The Hartford: $1,812 per year.
  3. American Family: $1,844 per year.
  4. Progressive: $1,867 per year.
  5. Travelers: $1,890 per year.
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Cheapest for 50-year-old drivers in Arizona

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 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: $960 per year.
  2. Nationwide: $1,037 per year.
  3. The Hartford: $1,053 per year.
  4. Farm Bureau Financial Services: $1,077 per year.
  5. QBE: $1,118 per year.
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Cheapest minimum coverage 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: $301 per year.
  2. The Hartford: $392 per year.
  3. CSAA: $401 per year.
  4. Travelers: $423 per year.
  5. Nationwide: $433 per year.
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Cheapest coverage for 50-year-olds with poor credit in Arizona

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

  1. Geico: $1,264 per year.
  2. Nationwide: $1,457 per year.
  3. QBE: $1,758 per year.
  4. Mercury: $1,786 per year.
  5. Farm Bureau Financial Services: $1,810 per year.
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Cheapest for 50-year-old drivers with one at-fault crash in Arizona

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

  1. American Family: $1,261 per year.
  2. The Hartford: $1,532 per year.
  3. Nationwide: $1,613 per year.
  4. Travelers: $1,693 per year.
  5. Farm Bureau Financial Services: $1,789 per year.
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Cheapest insurance for 50-year-old drivers after a DUI in Arizona

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

  1. The Hartford: $1,548 per year.
  2. CSAA: $1,667 per year.
  3. Progressive: $1,719 per year.
  4. American Family: $1,720 per year.
  5. Travelers: $1,864 per year.
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Cheapest for 65-year-old drivers in Arizona

Although 65-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 mid-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 in Arizona for 65-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: $971 per year.
  2. Nationwide: $989 per year.
  3. QBE: $1,118 per year.
  4. Farm Bureau Financial Services: $1,125 per year.
  5. The Hartford: $1,142 per year.
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Cheapest minimum coverage in Arizona for 65-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: $322 per year.
  2. Nationwide: $429 per year.
  3. Travelers: $442 per year.
  4. CSAA: $447 per year.
  5. The Hartford: $464 per year.
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Cheapest coverage for 65-year-olds with poor credit in Arizona

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

  1. Geico: $1,274 per year.
  2. Nationwide: $1,386 per year.
  3. QBE: $1,647 per year.
  4. Encompass: $1,877 per year.
  5. Farm Bureau Financial Services: $1,897 per year.
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Cheapest for 65-year-old drivers with one at-fault crash in Arizona

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

  1. American Family: $1,316 per year.
  2. Nationwide: $1,550 per year.
  3. State Farm: $1,727 per year.
  4. Travelers: $1,747 per year.
  5. The Hartford: $1,748 per year.
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Cheapest insurance for 65-year-old drivers after a DUI in Arizona

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

  1. CSAA: $1,713 per year.
  2. The Hartford: $1,750 per year.
  3. American Family: $1,812 per year.
  4. Progressive: $1,816 per year.
  5. Travelers: $1,927 per year.
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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.

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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.

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Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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