Fact CheckedArizona is an expensive state for car insurance, with an average cost of $2,906 per year for full coverage, compared to the national average of $2,339. But while rates are high, on average, it's still possible to find cheap coverage.
The best way to make sure you're not paying more than you have to for your age, location or driving history is to shop around for quotes from a few insurance companies. Once you know what drivers like you 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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More than 270 million rates analyzed by our team of specialists.
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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 by coverage type
One of the more straightforward factors that affects your rates is the amount and type of coverage that you have. More insurance means higher rates, but also more coverage in case something goes wrong.
The cost of coverage changes from insurer to insurer, so it’s important to shop around and compare car insurance quotes to find the insurer with the best rates for the coverage amount and types you need.
American Family has the cheapest car insurance in Arizona for full coverage, with an average rate of $118 per month or $1,419 per year.
Full coverage insurance helps pay for repairs to your vehicle after an at-fault accident, as well as damage and injuries you cause to others. Full coverage is more expensive than a basic policy because it has more insurance. It’s still possible to find cheap full coverage — and it’s worth having, even if you aren’t required to get it.
If you have a car loan or lease, you will be required to have full coverage. That’s because a full coverage policy includes comprehensive and collision insurance, which help cover damage to your car in most situations.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| American Family | $1,419 | $118 |
| Travelers | $1,642 | $137 |
| Farm Bureau Financial Services | $2,058 | $172 |
| GEICO | $2,065 | $172 |
| Auto-Owners | $2,098 | $175 |
American Family has the cheapest car insurance in Arizona for minimum coverage, with an average rate of $41 per month or $487 per year.
Liability coverage only pays for injuries and property damage you cause to others. That means you’ll have to pay for damage to your own car after an at-fault accident. You’re not required to have very much liability insurance in Arizona. If you’re in a serious accident and only have liability coverage, you could easily end up owing thousands of dollars for medical bills and repairs.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| American Family | $487 | $41 |
| State Farm | $522 | $44 |
| GEICO | $525 | $44 |
| Travelers | $529 | $44 |
| Farm Bureau Financial Services | $552 | $46 |
- Minimum car insurance requirements 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 your Arizona policy.
Cheap car insurance in Arizona from top companies
The company with the cheapest car insurance isn’t always the right option. While you may want to make sure you can afford your policy before you buy it, price is just one factor to consider. If you can afford it, try to balance low rates with service quality and long-term stability.
Check out some of the insurance companies that our editorial team has awarded a 4.5- or 5-star rating in Arizona.
American Family: $1,419 per year.
GEICO: $2,065 per year.
Travelers: $1,656 per year.
State Farm: $2,249 per year.
USAA: $1,708 per year. (USAA is available only to active duty military, veterans and their families, and some federal employees.)
Cheapest car insurance in large Arizona cities
The cost of car insurance depends on where in Arizona you live. Coverage is most expensive in large cities. Since there are more drivers in cities and more crowded roads, there’s a greater chance you’ll have to make a claim compared to a rural area.
If you’re thinking about moving, estimate what your rates could be in your new home. Your rates might change even if you move to another part of the same city or town.
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 January 2026 analysis. To see the full list, read NerdWallet's analysis of car insurance in Mesa.
Category Cheapest Company Median annual rate Clean driving history American Family $1,581 After a DUI American Family $2,245 After an accident American Family $2,325 After a speeding ticket American Family $1,867 Having poor credit American Family $2,349 Rates refreshed January 2026.
- Phoenix
Below are the cheapest insurers in Phoenix for a 35-year-old driver as of our January 2026 analysis. To see the full list, read NerdWallet's analysis of car insurance in Phoenix.
Category Cheapest Company Median annual rate Clean driving history American Family $1,736 After a DUI American Family $2,441 After an accident American Family $2,500 After a speeding ticket American Family $2,032 Having poor credit American Family $2,562 Rates refreshed January 2026.
- Tucson
Below are the cheapest insurers in Tucson for a 35-year-old driver as of our January 2026 analysis. To see the full list, read NerdWallet's analysis of car insurance in Tucson.
Category Cheapest Company Median annual rate Clean driving history American Family $1,458 After a DUI American Family $2,086 After an accident American Family $2,185 After a speeding ticket American Family $1,735 Having poor credit American Family $2,164 Category Cheapest Company Median annual rate Clean driving history American Family $548 After a DUI Travelers $748 After an accident Travelers $700 After a speeding ticket GEICO $567 Having poor credit GEICO $749 Rates refreshed January 2026.
Cheapest car 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 for drivers across different age groups. All rates are for drivers with clean driving records and good credit.
- Cheapest for young drivers
American Family has the cheapest car insurance for young drivers in Arizona, with an average rate of $224 per month or $2,686 per year for full coverage.
Young drivers may have a tougher time than older drivers finding 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.
Company Median annual rate Median monthly rate American Family $2,686 $224 Travelers $2,852 $238 GEICO $3,560 $297 Farm Bureau Financial Services $3,900 $325 Auto-Owners $4,279 $357 Company Median annual rate Median monthly rate Travelers $843 $70 GEICO $1,010 $84 American Family $1,077 $90 Farm Bureau Financial Services $1,118 $93 Auto-Owners $1,384 $115 Rates refreshed January 2026.
- Cheapest for millennials
American Family has the cheapest car insurance for millennials in Arizona, with an average rate of $118 per month or $1,419 per year for full coverage.
By the time they reach their 30s, most people with clean driving records enjoy cheaper car insurance than they did in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. If rates are still high for you, try shopping around and taking advantage of any car insurance discounts.
Company Median annual rate Median monthly rate American Family $1,419 $118 Travelers $1,688 $141 GEICO $2,073 $173 Farm Bureau Financial Services $2,166 $180 Auto-Owners $2,173 $181 Company Median annual rate Median monthly rate American Family $487 $41 State Farm $526 $44 GEICO $527 $44 Travelers $530 $44 Farm Bureau Financial Services $575 $48 Rates refreshed January 2026.
- Cheapest for Gen X
American Family has the cheapest car insurance for Gen X drivers in Arizona, with an average rate of $110 per month or $1,322 per year for full coverage.
While insurance rates vary by age and gender, drivers in their 50s can often expect to get cheap insurance rates from a few companies. If you’ve paid off your car’s loan, you might want to reconsider how much car insurance you need. Dropping extra coverage can lower your rates, but it’s not an option unless you could afford to replace your car on your own if it were totaled.
Company Median annual rate Median monthly rate American Family $1,322 $110 Travelers $1,468 $122 GEICO $1,730 $144 Farm Bureau Financial Services $1,871 $156 The Hartford $1,929 $161 Company Median annual rate Median monthly rate GEICO $446 $37 American Family $455 $38 Travelers $486 $41 Farm Bureau Financial Services $509 $42 State Farm $525 $44 Rates refreshed January 2026.
- Cheapest for seniors
American Family has the cheapest car insurance for senior-age drivers in Arizona, with an average rate of $118 per month or $1,422 per year for full coverage.
We found that car insurance for seniors is usually much cheaper than it is for other age groups, as long as they have good credit and a clean driving history. But once you’re in your 70s, you should expect to see your rates start to go up by a little every year.
Company Median annual rate Median monthly rate American Family $1,422 $118 Travelers $1,530 $128 Progressive $1,953 $163 GEICO $1,980 $165 Farm Bureau Financial Services $1,996 $166 Company Median annual rate Median monthly rate American Family $509 $42 State Farm $525 $44 GEICO $538 $45 Travelers $539 $45 Farm Bureau Financial Services $574 $48 Rates refreshed January 2026.
Cheapest car insurance in Arizona by driving record
Your car insurance rates may cost more than average if you have a driving violation on your record. Even though you might be considered a high-risk driver by insurers, some companies may still offer you relatively low rates. What you pay will depend on the violation and other personal details.
- Cheapest after a speeding ticket
American Family has the cheapest car insurance in Arizona after a speeding ticket, with an average rate of $141 per month or $1,694 per year for full coverage.
A speeding ticket may affect your insurance rates, but not always. If your rates went up after a recent ticket, it’s still possible to find cheaper coverage by shopping around.
Company Median annual rate Median monthly rate American Family $1,694 $141 Travelers $2,096 $175 GEICO $2,147 $179 State Farm $2,559 $213 Farm Bureau Financial Services $2,646 $221 Company Median annual rate Median monthly rate GEICO $538 $45 State Farm $592 $49 American Family $602 $50 Travelers $622 $52 Farm Bureau Financial Services $730 $61 Rates refreshed January 2026.
- Cheapest after an at-fault accident
American Family has the cheapest car insurance in Arizona after an at-fault accident, with an average rate of $178 per month or $2,140 per year for full coverage.
Accidents can cause higher insurance rates for a few years, but it’s difficult to predict how much your rates will go up. If you’re having trouble affording insurance after an accident, or it’s been a few years since your last accident, check around for cheaper options.
Company Median annual rate Median monthly rate American Family $2,140 $178 Travelers $2,192 $183 State Farm $2,745 $229 Auto-Owners $2,897 $241 Farm Bureau Financial Services $3,584 $299 Company Median annual rate Median monthly rate Travelers $665 $55 State Farm $667 $56 Auto-Owners $889 $74 American Family $935 $78 Farm Bureau Financial Services $1,005 $84 Rates refreshed January 2026.
- Cheapest after a DUI
American Family has the cheapest car insurance in Arizona after a DUI, with an average rate of $170 per month or $2,038 per year for full coverage.
You may still be able to find relatively cheap car insurance after a DUI by shopping around, but expect to pay a lot more than you did before your DUI. On average, a driver with a clean record pays $2,906 per year for coverage in Arizona. That same driver could pay $4,382 per year for the same coverage after a DUI.
Company Median annual rate Median monthly rate American Family $2,038 $170 Travelers $2,350 $196 Progressive $2,934 $244 State Farm $3,171 $264 Auto-Owners $3,688 $307 Company Median annual rate Median monthly rate Travelers $711 $59 American Family $744 $62 State Farm $809 $67 Mercury $990 $82 Progressive $1,028 $86 Rates refreshed January 2026.
If you aren’t able to get car insurance on your own because of a DUI or something else on your record, you might be able to get a policy through the Arizona Automobile Insurance Plan. The AAIP isn’t a company, it’s a program that helps connect drivers to insurers that will cover them.
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, to get a sense of how likely you are to file a claim.
A credit-based insurance score is different from the type of credit score that a credit card or bank would check. But both are based on information included in your credit report, so you may be able to improve your credit-based insurance score in the same way as your regular credit score.
- Cheapest for poor credit
American Family has the cheapest car insurance in Arizona for drivers with poor credit, with an average rate of $177 per month or $2,120 per year for full coverage.
Company Median annual rate Median monthly rate American Family $2,120 $177 Travelers $2,471 $206 GEICO $2,822 $235 Farm Bureau Financial Services $3,540 $295 Progressive $3,692 $308 Company Median annual rate Median monthly rate GEICO $717 $60 American Family $726 $60 Travelers $731 $61 Farm Bureau Financial Services $969 $81 Safe Auto $1,028 $86 Rates refreshed January 2026.
- Cheapest for good credit
American Family has the cheapest car insurance in Arizona for drivers with good credit, with an average rate of $118 per month or $1,419 per year for full coverage.
Company Median annual rate Median monthly rate American Family $1,419 $118 Travelers $1,642 $137 Farm Bureau Financial Services $2,058 $172 GEICO $2,065 $172 Auto-Owners $2,098 $175 Company Median annual rate Median monthly rate American Family $487 $41 State Farm $522 $44 GEICO $525 $44 Travelers $529 $44 Farm Bureau Financial Services $552 $46 Rates refreshed January 2026.
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 only to military families, veterans and some federal employees.
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. However, this company 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 52 of the 70 driver profiles we examined. Read our USAA auto insurance review.
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.
2023 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.
