Cheapest Car Insurance in Arizona (Best Rates in 2026)
Progressive has the cheapest full coverage car insurance in Arizona, at $176 per month. That's one-quarter less than the state average.
Find Cheap Auto Insurance Quotes in Arizona
Best cheap automobile insurance in Arizona
Best and cheapest car insurance in Arizona
- Cheapest full coverage: Progressive, $176/mo
- Cheapest minimum liability: Travelers, $70/mo
- Cheapest for young drivers: Travelers, $205/mo
- Cheapest after a ticket: State Farm, $216/mo
- Cheapest after an accident: State Farm, $203/mo
- Cheapest for teens after a ticket: Travelers, $257/mo
- Cheapest after a DUI: Progressive, $226/mo
- Cheapest for poor credit: Progressive, $278/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm is the best choice for most people in Arizona because it offers the best combination of reliable customer support and affordable rates.
Progressive and Travelers may offer cheaper rates, but both companies have poor customer service reviews. It may be worth spending a little more on State Farm to know you'll be well taken care of after a crash.
Cheapest car insurance rates in AZ: Progressive
Progressive and USAA have the cheapest quotes for full coverage in Arizona.
Find Cheap Auto Insurance Quotes in Arizona
- Progressive charges around $176 per month for full coverage. That's one-quarter cheaper than the average rate in Arizona.
- State Farm offers the best mix of affordable rates and great service. At $203 per month, State Farm is $33 per month cheaper than average.
- USAA has the cheapest rates overall, at $165 per month. However, it's only available to military members, veterans and some of their family members.
Best cheap full coverage car insurance in AZ
Company | Monthly rate | |
|---|---|---|
| Progressive | $176 |
| Travelers | $192 |
| State Farm | $203 |
| Auto-Owners | $219 |
| Farm Bureau | $245 |
*USAA is only available to current and former military members and their families.
Data-powered research on Arizona car insurance
| Data-powered research on AZ car insurance |
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Cheapest liability insurance in Arizona: Travelers and USAA
Travelers has the cheapest liability auto insurance for most people in Arizona, at $70 per month.
That's $20 per month cheaper than the Arizona state average.
Arizona drivers should also compare quotes from Auto-Owners and State Farm. Both companies have better customer service reviews than Travelers. And their average rates aren't much more expensive than Travelers, so either company may be the cheapest for some people.
Cheapest Arizona car insurance quotes
Company | Monthly rate |
|---|---|
| Travelers | $70 |
| Auto-Owners | $80 |
| State Farm | $81 |
| Progressive | $88 |
| Farm Bureau | $93 |
*USAA is only available to current and former military members and their families.
Military members, veterans and their families can get even cheaper rates from USAA. At $58 per month, a policy from USAA costs $12 per month less than Travelers.
Find Cheap Auto Insurance Quotes in Arizona
If you have minimum liability insurance in Arizona, your insurance doesn't have to pay for medical care for injuries to members of your family or household if they're riding with you and hurt in an accident that's your fault.
Before buying a liability-only policy, check to see whether the company will cover your family's medical bills under your bodily injury liability coverage. If not, you'll have to add medical payments coverage to your policy if you want to protect your family members.
Cheapest auto insurance in Arizona for teens: Travelers and USAA
Travelers has the most affordable insurance for most young drivers in AZ.
A minimum liability policy from Travelers costs an average of $205 per month for an 18-year-old in Arizona. That's around one-quarter less than the state average of $267 per month.
Travelers also has the best full coverage rates for most young drivers, at around $515 per month.
USAA is even cheaper — $166 per month for minimum liability and $422 per month for full coverage — if you can get a policy because you have military ties.
Lowest AZ auto insurance rates for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $205 | $515 |
| The Hartford | $247 | $810 |
| Geico | $265 | $552 |
| Auto-Owners | $270 | $639 |
| State Farm | $278 | $627 |
*USAA is only available to current and former military members and their families.
Young drivers pay much more for car insurance than older adults. An 18-year-old driver can expect to pay around triple what a 30-year-old driver pays for auto insurance in AZ.
The best way for young drivers to save on car insurance is by sharing a policy with their parents.
Many companies also offer discounts geared toward young drivers. You can typically save money on car insurance if you get good grades in school or take a defensive driving course.
Best cheap insurance in AZ after a speeding ticket: State Farm
State Farm has the cheapest car insurance quotes in Arizona after a speeding ticket. Full coverage from State Farm costs around $216 per month after one speeding ticket, which is $89 per month less than the state average.
Arizona drivers should also compare rates from Auto-Owners after a ticket. It charges an average of $219 per month for full coverage, which is only $3 per month more than State Farm. That means it could be the cheapest company for some people.
Affordable insurance in AZ after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $216 |
| Auto-Owners | $219 |
| Progressive | $240 |
| Travelers | $246 |
| Farm Bureau | $333 |
*USAA is only available to current and former military members and their families.
In Arizona, one speeding ticket will raise your insurance rates by around 29%. That's an average increase of $70 per month for a full coverage policy.
Cheapest AZ car insurance after an accident: State Farm
State Farm has the most affordable car insurance in AZ after an accident. Full coverage insurance from State Farm costs only $203 per month after your first at-fault accident. That's $140 per month cheaper than the Arizona average of $343 per month. It's also $59 per month less than the second-cheapest company, Progressive.
Cheap AZ insurance after a crash
Company | Monthly rate |
|---|---|
| State Farm | $203 |
| Progressive | $262 |
| Geico | $274 |
| Travelers | $275 |
| Auto-Owners | $307 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in Arizona go up by an average of 45% after an at-fault accident. That's $107 per month more than drivers with a clean record pay for auto insurance.
If you can't afford insurance after an accident, there are a few ways to lower your car insurance bill.
- If you have comprehensive and collision coverage, you can typically lower your payments by choosing a higher deductible.
- You can usually save by signing up for automatic payments or paying your six-month or annual bill up front.
- Many major companies offer safe driving programs. By practicing safe habits, like sticking to the speed limit, you could earn a large discount.
- If you own your car outright, you could consider canceling your comprehensive and collision coverage. These coverages may not be worth it if your car is more than 8 years old or worth less than $5,000.
Cheap car insurance in AZ for teens with a bad driving record: Travelers and Geico
Travelers has the cheapest car insurance quotes for teen drivers with a recent speeding ticket in Arizona. A minimum liability policy from Travelers costs around $257 per month for an 18-year-old with one speeding ticket. That's $71 per month cheaper than the Arizona average.
Geico is the cheapest company for young drivers after an at-fault accident. Liability-only coverage from Geico costs an average of $275 per month after an accident, which is over $100 per month cheaper than average.
Best insurance quotes in AZ for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $257 | $304 |
| Auto-Owners | $270 | $419 |
| State Farm | $301 | $278 |
| The Hartford | $335 | $435 |
| Progressive | $345 | $354 |
*USAA is only available to current and former military members and their families.
If you're 18 years old in Arizona, a ticket will raise your rate by an average of 22%. An at-fault accident raises rates by 42%. Teens usually see smaller increases than adults after an incident because they're already considered high-risk drivers.
Affordable car insurance in Arizona after a DUI: Progressive
Progressive has the cheapest rates for Arizona drivers after a DUI, averaging $226 per month. That's $188 per month cheaper than the Arizona average.
Cheap Arizona car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $226 |
| Travelers | $284 |
| State Farm | $390 |
| Auto-Owners | $396 |
| The Hartford | $435 |
*USAA is only available to current and former military members and their families.
Drivers in Arizona with a DUI pay an average of 75% more for full coverage than drivers with a clean record.
In addition, you may need to get SR-22 insurance in Arizona after a DUI. Most insurance companies charge between $15 and $50 to file an SR-22 form on your behalf, on top of any increase in your insurance rates.
Cheapest insurance in AZ for drivers with poor credit: Progressive
Progressive has the cheapest car insurance quotes in Arizona for drivers with a low credit score. The average rate for full coverage from Progressive is $278 per month if you have poor credit. That's $231 per month less expensive than the state average.
Affordable bad credit car insurance in Arizona
Company | Monthly rate |
|---|---|
| Progressive | $278 |
| Travelers | $297 |
| Geico | $385 |
| Farm Bureau | $423 |
| The Hartford | $523 |
*USAA is only available to current and former military members and their families.
Arizona drivers with poor credit pay more than twice as much for insurance as drivers with good credit.
Your credit score doesn't have anything to do with your ability to drive safely, but it can impact how much you pay for insurance. That's because insurance companies believe people with poor credit are more likely to file a claim, which makes them more expensive to insure.
Best car insurance in Arizona
USAA is the best car insurance company in Arizona.
It has very affordable rates and excellent customer service. However, only military members, veterans and their families can buy car insurance from USAA.
State Farm is an excellent choice if you can't get USAA. State Farm earned excellent scores from J.D. Power and ValuePenguin editors. It also has the highest rating for financial strength. That means customers don't have to worry about State Farm's ability to pay out claims.
Best auto insurance in AZ
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Auto-Owners | 638 | A+ | |
| The Hartford | 632 | A+ |
Arizona car insurance rates by city
Drivers in Lake Havasu City pay the cheapest car insurance rates in Arizona, while drivers in Phoenix have the most expensive quotes.
Auto insurance in Phoenix, the state's largest city, costs an average of $284 per month for full coverage. People in Lake Havasu City, near the Arizona-California border, pay around $175 per month.
Full coverage auto insurance quotes by AZ city
City | Monthly rate | % from average |
|---|---|---|
| Aguila | $231 | -2% |
| Ajo | $207 | -12% |
| Ak-Chin Village | $219 | -7% |
| Alpine | $192 | -19% |
| Amado | $193 | -18% |
Minimum auto insurance requirements in Arizona
Arizona requires drivers to have a minimum amount of liability coverage to pay for injuries or damage they cause in an accident. This requirement is often written as 25/50/15.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
If you don't plan to drive your car for an extended period of time, you can cancel your insurance and notify the Motor Vehicle Division (MVD) online or in person.
This might make sense for you if you're headed out on deployment or storing your car during the summer while you return to your home up north. But remember to reinstate your policy or buy a new one before driving your car again.
Just because you won't be penalized by the DMV doesn't mean your car insurance rates won't go up after a lapse in coverage. Check with your car insurance company before canceling your coverage to make sure your rates won't be more expensive when you reinstate your policy.
What's the best car insurance coverage for Arizona drivers?
Full coverage car insurance is the best choice for most drivers in Arizona.
Full coverage quotes include comprehensive and collision coverages along with liability coverage.
- Comprehensive coverage pays for damage from incidents beyond your control, such as hail or theft.
- Collision coverage pays for damage to your car if you crash into another car or a stationary object, regardless of whose fault it is.
Minimum liability insurance in Arizona only pays for injuries to others or damage to another person's car or property. It doesn't include protection for your own car, and it doesn't pay for injuries to you and your passengers.
You should consider full coverage auto insurance instead of minimum coverage to ensure you have enough protection if you're in a major car accident.
Frequently asked questions
Who has the cheapest car insurance rates in Arizona?
Travelers has the cheapest minimum liability insurance in Arizona in 2026, at around $70 per month. That's $20 per month cheaper than the Arizona average. Progressive has the cheapest full coverage rates, at an average of $176 per month.
How much is car insurance in Arizona?
Minimum coverage car insurance costs $90 per month in Arizona, on average. The average cost of full coverage insurance in Arizona is $236 per month. However, every company offers different prices, and what you'll pay depends on your age, driving history, location and credit score.
What is AZ state minimum auto insurance?
Drivers in Arizona must have a car insurance policy with a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident, in addition to $15,000 of property damage liability.
How much does car insurance cost in Phoenix vs. Tucson?
Phoenix has the most expensive car insurance of any city in Arizona, while Tucson is closer to average. In Phoenix, drivers pay around $284 per month for a full coverage policy, which is 20% more than the statewide average. In Tucson, the average price is $229 per month, which is 3% less than the state average.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Arizona for some of the largest insurers in the state. Rates are for a 30-year-old man with a 2018 Honda Civic EX who has good credit and a clean driving record, unless otherwise noted.
Full coverage auto insurance quotes include comprehensive and collision coverage, and higher liability coverage limits than the legally required minimums.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rate data was collected using Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes will likely differ.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
