Arizona is an expensive state for car insurance, with an average cost of $2,997 per year for full coverage, compared to the national average of $2,285 per year. But while rates are high, on average, it's still possible to find affordable coverage.
The best way to make sure you're not paying more than you have to for car insurance is to shop around and get quotes from a few different insurance companies. Once you know what drivers who are your age and have a similar driving history pay, it's easier to pick out the insurer with the cheapest rates. This is where NerdWallet's rate comparison tool can help.
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Company | NerdWallet rating | Full coverage | Liability-only |
|---|---|---|---|
| Virginia Farm Bureau | Not rated | $82 | $36 |
| Travelers | 5.0/5 | $102 | $36 |
| GEICO | 4.5/5 | $119 | $46 |
| USAA* | 5.0/5 | $125 | $45 |
| Chubb | 4.0/5 | $131 | $57 |
| Erie | 4.0/5 | $153 | $45 |
| Nationwide | 4.0/5 | $174 | $103 |
| Auto-Owners | 5.0/5 | $176 | $77 |
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More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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Cheapest car insurance in Arizona for September 2025
NerdWallet analyzed rates for 19 insurers to find the cheapest auto insurance in Arizona. We reviewed rates for drivers of different ages, with different driving histories and coverage types, to find the companies offering the best deals for a variety of driver profiles.
Your rates will probably be different because of personal characteristics like your age, driving record, car and ZIP code. This is why it's important to compare quotes from several of the companies below to find out which insurer will actually be the cheapest for you.
Full coverage insurance will help pay for repairs to your own vehicle after an at-fault accident, as well as damage and injuries you cause to others.
If you have a car loan or lease, your lender will likely require you to carry full coverage, which includes comprehensive and collision insurance. These coverage types pay you if your car is stolen or damaged in an accident you cause, among other scenarios.
These rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,838 | $153 |
| GEICO | $1,984 | $165 |
| Auto-Owners | $2,019 | $168 |
| Farm Bureau Financial Services | $2,028 | $169 |
| State Farm | $2,179 | $182 |
Liability coverage pays only for damage you cause to others, so you’ll have to pay for your own repairs yourself if you don’t have full coverage.
The rates below are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $509 | $42 |
| GEICO | $517 | $43 |
| Farm Bureau Financial Services | $552 | $46 |
| Travelers | $562 | $47 |
| Auto-Owners | $574 | $48 |
Having a DUI or at-fault accident on your record will cause your rates to go up — or even double. But each car insurer prices these incidents a little differently, so it’s worth shopping around for the best rates.
The rates below are for 35-year-old drivers with full coverage.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Travelers | $1,838 |
| After a DUI | Travelers | $2,642 |
| After an accident | Travelers | $2,462 |
| After a speeding ticket | GEICO | $2,058 |
| Having poor credit | GEICO | $2,713 |
Rates refreshed September 2025.
Risks of liability car insurance
Liability coverage is typically the cheapest car insurance available, and that usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit-and-run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
Cheapest car insurance in large Arizona cities
NerdWallet analyzed rates for 35-year-old drivers with a range of driving histories in some of the largest cities in Arizona.
- Mesa
Below are the cheapest insurers in Mesa for a 35-year-old driver as of our September 2025 analysis. To see the full list, read NerdWallet's analysis of car insurance in Mesa.
Rates refreshed September 2025.
- Phoenix
Below are the cheapest insurers in Phoenix for a 35-year-old driver as of our September 2025 analysis. To see the full list, read NerdWallet's analysis of car insurance in Phoenix.
Rates refreshed September 2025.
- Tucson
Below are the cheapest insurers in Tucson for a 35-year-old driver as of our September 2025 analysis. To see the full list, read NerdWallet's analysis of car insurance in Tucson.
Rates refreshed September 2025.
Cheapest auto insurance in Arizona by age
Your age is one important factor in determining how much you'll pay for car insurance. Teens pay the most, with rates typically decreasing once you hit your 30s and going up again in your 70s.
Below are the cheapest car insurance rates for Arizona drivers. All rates are for drivers with clean driving records and good credit.
- For 20-year-old drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be high in your 20s, but tend to come down as you 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.
Company Median annual rate Median monthly rate Travelers $3,214 $268 GEICO $3,414 $285 Farm Bureau Financial Services $3,837 $320 Auto-Owners $4,105 $342 State Farm $4,480 $373 Company Median annual rate Median monthly rate Travelers $909 $76 GEICO $995 $83 Farm Bureau Financial Services $1,118 $93 Auto-Owners $1,384 $115 State Farm $1,402 $117 Rates refreshed September 2025.
- 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.
Company Median annual rate Median monthly rate Travelers $1,888 $157 GEICO $1,995 $166 Auto-Owners $2,092 $174 Farm Bureau Financial Services $2,130 $178 State Farm $2,218 $185 Company Median annual rate Median monthly rate State Farm $513 $43 GEICO $519 $43 Travelers $564 $47 Farm Bureau Financial Services $575 $48 Auto-Owners $609 $51 Rates refreshed September 2025.
- For 40-year-old drivers
While insurance rates vary by age and gender, drivers in their 40s can often expect to get cheap insurance rates from most companies. You may find even cheaper rates from smaller or regional insurers.
Company Median annual rate Median monthly rate Travelers $1,666 $139 GEICO $1,738 $145 Farm Bureau Financial Services $1,940 $162 Auto-Owners $1,988 $166 State Farm $2,158 $180 Company Median annual rate Median monthly rate GEICO $449 $37 Travelers $514 $43 State Farm $519 $43 Farm Bureau Financial Services $532 $44 Auto-Owners $563 $47 Rates refreshed September 2025.
- For 60-year-old drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Company Median annual rate Median monthly rate Travelers $1,505 $125 GEICO $1,673 $139 The Hartford $1,758 $147 Farm Bureau Financial Services $1,805 $150 Auto-Owners $1,847 $154 Company Median annual rate Median monthly rate GEICO $444 $37 State Farm $474 $40 Travelers $494 $41 Farm Bureau Financial Services $497 $41 Auto-Owners $511 $43 Rates refreshed September 2025.
- For 70-year-old drivers
Our analysis shows that older drivers with good credit and a clean driving history enjoy some of the cheapest auto insurance rates, but car insurance rates for senior drivers start to creep up once you reach your 70s.
Company Median annual rate Median monthly rate Travelers $1,707 $142 GEICO $1,907 $159 Farm Bureau Financial Services $1,964 $164 The Hartford $1,995 $166 State Farm $2,072 $173 Company Median annual rate Median monthly rate State Farm $512 $43 GEICO $529 $44 Travelers $573 $48 Farm Bureau Financial Services $574 $48 Auto-Owners $638 $53 Rates refreshed September 2025.
Cheapest auto insurance in Arizona by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Arizona drivers with different driving records. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
- After a speeding ticket
In most cases, a speeding ticket affects the cost of car insurance, but insurers use different equations to calculate prices. So, if your rates rose after a recent ticket, you may still be able to get cheaper coverage by shopping around.
Company Median annual rate Median monthly rate GEICO $2,058 $172 Travelers $2,356 $196 State Farm $2,481 $207 Farm Bureau Financial Services $2,599 $217 American Family $3,239 $270 Company Median annual rate Median monthly rate GEICO $529 $44 State Farm $578 $48 Travelers $662 $55 Farm Bureau Financial Services $719 $60 Country Financial $1,012 $84 Rates refreshed September 2025.
- After one at-fault accident
An accident can affect your car insurance costs for up to three years, depending on your location and your insurer. But not all insurance companies use the same pricing model, so it can be hard to predict how much insurance will increase after an accident. If your insurance went up after a recent crash, you might find cheaper options by shopping around.
Company Median annual rate Median monthly rate Travelers $2,462 $205 State Farm $2,685 $224 Auto-Owners $2,780 $232 Farm Bureau Financial Services $3,530 $294 Country Financial $3,619 $302 Company Median annual rate Median monthly rate State Farm $651 $54 Travelers $715 $60 Auto-Owners $889 $74 Farm Bureau Financial Services $1,005 $84 Country Financial $1,067 $89 Rates refreshed September 2025.
- After a DUI
A DUI on your driving record can significantly increase the cost of car insurance. Our analysis showed that a 35-year-old in Arizona with a clean driving history could get full coverage insurance for $153 a month, on average, while that same driver could pay $220 for the same coverage after a DUI. This makes it especially valuable to shop for cheap car insurance after a DUI.
Company Median annual rate Median monthly rate Travelers $2,642 $220 State Farm $3,069 $256 Progressive $3,310 $276 Auto-Owners $3,528 $294 Country Financial $3,720 $310 Company Median annual rate Median monthly rate Travelers $766 $64 State Farm $790 $66 Country Financial $1,102 $92 Auto-Owners $1,205 $100 Progressive $1,218 $101 Rates refreshed September 2025.
High-risk drivers who are denied coverage through the open market can seek car insurance through the Arizona Automobile Insurance Plan.
Cheapest car insurance in Arizona by credit history
Your credit history can impact your auto insurance rates in Arizona. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Arizona drivers with poor credit.
- Poor credit
Company Median annual rate Median monthly rate GEICO $2,713 $226 Travelers $2,768 $231 Farm Bureau Financial Services $3,480 $290 Country Financial $3,727 $311 Progressive $3,961 $330 Company Median annual rate Median monthly rate GEICO $706 $59 Travelers $785 $65 Farm Bureau Financial Services $969 $81 Safe Auto $1,025 $85 Country Financial $1,079 $90 Rates refreshed September 2025.
- Good credit
Company Median annual rate Median monthly rate Travelers $1,838 $153 GEICO $1,984 $165 Auto-Owners $2,019 $168 Farm Bureau Financial Services $2,028 $169 State Farm $2,179 $182 Company Median annual rate Median monthly rate State Farm $509 $42 GEICO $517 $43 Farm Bureau Financial Services $552 $46 Travelers $562 $47 Auto-Owners $574 $48 Rates refreshed September 2025.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheapest car insurance in Arizona for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or you 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 three auto insurance options for 59 of the 70 driver profiles we examined. Read our USAA auto insurance review.
Minimum auto insurance limits 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.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
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.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
