CheapInsurance.com has put together expert tips and quote comparisons to help you find cheap car insurance in Arizona.
Arizona is the sixth biggest state in the U.S., offering 35 national parks and preserves. In addition, the iconic Arizona Trail offers over 800 miles of scenic landscapes for hikers, mountain bikers, and horse riders.
Along with being outdoors, Arizonans love to drive. Over half of the 6.9 million residents of Arizona are registered drivers.
Car insurance in Arizona is relatively affordable when compared to other states. On average, the annual cost for car insurance in Arizona is $1,247âalmost 12% less than the average rate for auto insurance in other states.
Although Arizona has affordable auto insurance, you should still compare car insurance quotes from multiple insurance companies to ensure youâre getting the best inexpensive car insurance.
Arizona Highways Ahead: 2024 Updates & Insurance Insights
Get ready to cruise the Grand Canyon State with these essential updates for 2024:
Arizona Vehicle Code Changes:
- Distracted driving crackdown: Effective July 1st, holding a phone while driving is completely prohibited, even at stoplights. Hands-free devices remain acceptable. (Source: Arizona House Bill 2306)
- School bus stop arm violation: Penalties for disregarding stopped school buses have increased, with potential fines up to $2,500 and driver’s license suspension. (Source: Arizona Revised Statutes Title 28)
- Motorcycle lane splitting: While not explicitly legal, Arizona allows “filtering,” moving between lanes in slow traffic, if done safely and not exceeding 15 mph slower than surrounding traffic. (Source: Arizona Department of Public Safety)
Â
Â
Average Auto Insurance Rates in Arizona (2024):
(Sources: NerdWallet, The Zebra)
Company | Minimum Coverage | Full Coverage |
State Farm | $156 | $397 |
Geico | $168 | $352 |
Progressive | $179 | $332 |
Farmers | $180 | $379 |
USAA | $187 | $380 |
Remember: Your individual car insurance price may vary significantly based on driving history, vehicle type, location, and other factors.
To help you find the cheapest car insurance in the state, weâve compared auto insurance quotes in these five Arizona counties:
- Maricopa County.
- Pima County.
- Pinal County.
- Yavapai County.
- Yuma County.
Because the price of car insurance is highly dependent on your individual driving profile, weâve gone a step further and compared the price of Arizona car insurance for these types of drivers:
- âGoodâ drivers (those with a clean driving record).
- Young drivers (those aged between 16 â 25).
- âBadâ drivers (those with a history of traffic violations).
Is It Legal to Drive Without Car Insurance in Arizona?
Arizona law requires all drivers to meet the minimum liability insurance requirements. Legally, you do not need comprehensive and collision coverage in Arizona, although it is wise to have both.
Key Point: Minimum Liability Insurance Liability insurance is designed to protect third parties and their property from damage you may cause while driving. It does not cover any damages to your own vehicle. While each U.S. state will have different minimum liability insurance requirements, it always addresses three key points:
|
The minimum automobile liability insurance requirements in Arizona are:
- $15,000 for bodily injury per person.
- $30,000 for bodily injury per accident.
- $10,000 for property damage.
All drivers in Arizona have to meet these liability requirements. If youâre found at-fault in a car accident and do not meet the minimum auto liability insurance requirements, you will be held personally responsible for paying the other partyâs medical bills, legal bills, and lost wages.
At any point while youâre driving, law enforcement can request to see proof of insurance. If you do not have vehicle liability insurance that meets these minimum requirements, you may be subject to the following penalties:
- A $500 fine.
- Driverâs license suspension.
- Registration suspension.
- License plate suspension.
Once your driverâs license has been suspended, you may be required to file an SR-22 in order to get it reinstated.
Insurance with SR-22 proves that you meet the minimum liability insurance requirements, and will often increase the price of automobile insurance.
Key Point: Is Minimum Liability Coverage Enough? While it may seem like a good idea to save money by getting only the minimum liability insurance required to comply with Arizona law, in many instances this may not be sufficient. Say, for example, youâre in a serious at-fault accident and you need to cover $30,000 of the other partyâs medical bills. Because the Arizona minimum coverage for bodily injury liability is $15,000, you will have to pay the additional $15,000 from your own pocket. Remember, liability insurance only protects third parties and doesnât reimburse you if your car is stolen, damaged, or totaled. |
We have found that on average, the cost of a minimum liability car insurance in Arizona is $114.66.
Mile Auto offers the lowest car insurance for minimum liability coverage, on average costing $50.40.
| Provider | Maricopa County | Pima County | Pinal County | Yavapai County | Yuma County | Average |
| Mile Auto | $53.00 | $54.00 | $50.00 | $49.00 | $46.00 | $50.40 |
| Certainly | $97.00 | $102.00 | $93.00 | $76.00 | $102.00 | $94.00 |
| Liberty Mutual | $127.00 | $134.00 | $122.00 | $99.00 | $135.00 | $123.40 |
| Bristol West | $134.00 | $141.00 | $122.00 | $114.00 | $121.00 | $126.40 |
| Stonegate | $135.00 | $164.00 | $131.00 | $120.00 | $106.00 | $131.20 |
| State Auto | $175.00 | $160.00 | $169.00 | $155.00 | $154.00 | $162.60 |
Cheap Full Coverage Auto Insurance in Arizona
While having full coverage car insurance is optional in Arizona, you shouldnât skip it unless you have savings that can cover damage to your vehicle in the following scenarios:
- Theft or theft of parts.
- Non crash damage (e.g. natural disasters, fire, flooding).
- Broken windshield.
- Car damage from hitting an animal.
Repairing car damage can cost thousands of dollars. Without full coverage automobile insurance, you risk finding yourself in a situation where you canât drive your car and canât afford to get it repaired.
To help you find the best inexpensive full coverage car insurance in Arizona, we compared the rates offered by five insurers. We found three Arizona companies with the cheapest auto insurance:
- Certainly with average rates of $134.40.
- Main Street America with average rates of $139.80.
- Liberty Mutual with average rates of $163.80.
| Provider | Maricopa County | Pima County | Pinal County | Yavapai County | Yuma County | Average |
| Main Street America | $144.00 | $161.00 | $134.00 | $134.00 | $126.00 | $139.80 |
| Certainly | $147.00 | $143.00 | $137.00 | $101.00 | $144.00 | $134.40 |
| Liberty Mutual | $173.00 | $173.00 | $164.00 | $130.00 | $179.00 | $163.80 |
| Travelers | $186.00 | $189.00 | $165.00 | $159.00 | $160.00 | $171.80 |
| State Auto | $201.00 | $182.00 | $191.00 | $176.00 | $177.00 | $185.40 |
| Commonwealth | $338.00 | $366.00 | $310.00 | $277.00 | $258.00 | $309.80 |
Affordable Car Insurance in Arizona for Drivers with Clean Driving Records
âGoodâ drivers (drivers with a clean driving record) are in a good position to find cheap auto insurance. Car insurance companies consider good drivers to be people who:
- Have not been found at-fault in a car accident.
- Have no traffic offenses.
- Have a good credit score.
- Have no speeding tickets.
- Have no reckless driving charges.
- Have no DUI convictions.
Saving you further money, many car insurance companies also offer a good driver discount on your car insurance.
Some auto insurance companies will offer an additional discount if you have completed an accredited defensive driving course. Provide this information to your insurance company to get the cheapest car insurance.
If you arenât sure whether your auto insurance has these discounts, you should call your insurance agent to find out if you are eligible for these cheap car insurance discounts.
Even a small savings on your vehicle insurance each month adds up to significant savings over time to get you low priced car insurance.
We looked at the average car insurance rates offered by automobile insurance companies for good drivers. The most affordable car insurance for good drivers are:
- Mile Auto with average rates of $59.20.
- Clearcover with average rates of $93.33.
- Certainly with average rates of $110.80.
| Provider | Maricopa County | Pima County | Pinal County | Yavapai County | Yuma County | Average |
| Mile Auto | $63.00 | $64.00 | $58.00 | $57.00 | $54.00 | $59.20 |
| Clearcover | $106.00 | N/A | N/A | $85.00 | $89.00 | $93.33 |
| Certainly | $119.00 | $120.00 | $112.00 | $85.00 | $118.00 | $110.80 |
| Main Street America | $138.00 | $154.00 | $128.00 | $128.00 | $122.00 | $134.00 |
| Liberty Mutual | $139.00 | $145.00 | $133.00 | $107.00 | $145.00 | $133.80 |
| Travelers | $165.00 | $169.00 | $146.00 | $142.00 | $143.00 | $153.00 |
Cheap Auto Insurance in Arizona for High-Risk Drivers
Car insurance companies use the term âhigh riskâ to describe drivers who are more likely to make a claim against their auto insurance policy.
Some of the offenses that may lead to being considered a high-risk driver include:
- Carrying SR-22 insurance.
- Receiving a DUI conviction.
- Reckless driving.
- Speeding tickets.
- Being found at-fault in a major accident.
- Having too many points on your driving record.
- Driving without meeting the minimum liability coverage requirements.
- A poor credit score.
- Unpaid child support payments.
- Unpaid insurance policy premiums.
If you are a high-risk driver, Arizona auto insurance companies are likely to increase the price of your auto insurance.
Weâve done the hard work of comparing car insurance quotes from various insurers to help you find the best car insurance price.
- The cheapest auto insurance company for high-risk drivers is Stonegate at $178.80.
- The most expensive car insurance company for high-risk drivers is The General at $465.78.
| Provider | Maricopa County | Pima County | Pinal County | Yavapai County | Yuma County | Average |
| Stonegate | $192.00 | $223.00 | $177.00 | $161.00 | $141.00 | $178.80 |
| Bristol West | $204.00 | $217.00 | $190.00 | $176.00 | $190.00 | $195.40 |
| AssuranceAmerica | $381.00 | $371.00 | $289.00 | $234.00 | $217.00 | $298.40 |
| Commonwealth | $394.00 | $435.00 | $362.00 | $334.00 | $307.00 | $366.40 |
| The General | $495.63 | $498.65 | $461.29 | $408.53 | $464.81 | $465.78 |
| Progressive | $388.32 | $161.15 | $139.41 | $135.06 | $139.45 | $192.68 |
Cheap Car Insurance in Arizona for Young Drivers
Young drivers are, by default, less experienced than older drivers. Their inexperience poses a higher risk to insurance companies, so their auto insurance is often more expensive.
Weâve compared the cost of car insurance for young drivers to help you save decide on the most affordable auto insurance. This inexpensive car insurance for young drivers is Mile Auto at $115.20.
| Provider | Maricopa County | Pima County | Pinal County | Yavapai County | Yuma County | Average |
| Mile Auto | $124.00 | $128.00 | $112.00 | $109.00 | $103.00 | $115.20 |
| Certainly | $194.00 | $211.00 | $185.00 | $153.00 | $206.00 | $189.80 |
| Bristol West | $258.00 | $271.00 | $233.00 | $213.00 | $235.00 | $242.00 |
| Liberty Mutual | $272.00 | $289.00 | $259.00 | $215.00 | $291.00 | $265.20 |
| Stonegate | $291.00 | $339.00 | $269.00 | $244.00 | $213.00 | $271.20 |
| State Auto | $419.00 | $378.00 | $393.00 | $334.00 | $371.00 | $379.00 |
Need Affordable Car Insurance in Other States?
Out-of-state insurance is illegal in almost all U.S. states, and is considered to be insurance fraud. This means that your auto insurance must be registered in the state you live in.
Some of the penalties for committing insurance fraud include:
- Up to five years in prison.
- A $50,000 fine.
If you plan to move from Arizona, you will need to find a new car insurance company in the state you move to.
You will usually have a 90-day grace period to cancel your car insurance policy and find car insurance in your new state.
To find the best affordable auto insurance rates in other U.S. states, read our articles below:
Top Tips for Finding Inexpensive Car Insurance
Take Note of Lender Requirements
If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.
In fact, most car dealerships wonât let you drive the car off the lot until you can prove you have full coverage car insurance. Full coverage car insurance protects your lender if youâre in a car accident or your car is stolen and you can no longer afford to meet your monthly repayments.
Key Point: Full Coverage Car Insurance Full coverage car insurance is made up of three different types of car insurance policies:
|
If you lose your required car insurance coverage, your lender could add single-interest insurance to your loan in order to protect themselves.
You should avoid allowing your insurance to lapse because this type of automobile insurance is much more expensive than standard car insurance.
Consider How You Use Your Car
If you only drive to get to work, the grocery store, and social events, then most types of standard car insurance will meet your needs.
If, however, you have unique needs, you should check whether your auto insurance covers these requirements.
Unique needs can include:
- Multiple drivers sharing one car.
- Using your car for ridesharing.
- Using your car for deliveries.
- Wanting to consolidate all of your insurance policies under one provider.
Compare Auto Insurance Quotes from Different Insurance Companies
Even if you think youâve found a good deal on car insurance, itâs always a good idea to shop around for the lowest car insurance price.
You can do this yourself, but going through an insurance agent can save you a lot of time and money.
The only way to be completely certain that youâre getting the best cheap car insurance quotes is to compare insurance quotes from multiple insurers.
You can do this yourself, but it is time-consuming. Youâll need to phone each car insurance company or fill out an online auto insurance form for them to give you a quote.
To save time, you can get a car insurance quote from different insurance providers by using our online quote finder, where you can find cheaper insurance quotes.
Top Car Insurance Companies in Arizona
1. Mile Auto
Mile Auto is a per-mile insurance option, so your rates are primarily based on the number of miles you drive every month.
If you drive less or infrequently, your monthly bill will go down. Conversely, if you drive more your bill will increase.
Currently, Mile Auto is available in Arizona, California, Georgia, Illinois, Ohio, Oregon, Pennsylvania, and Texas.
Mile Auto is a great option for drivers who drive short distances every month. If your driving habits are inconsistent, it may be difficult to keep track of your monthly car insurance mileage. In this case, an insurance company that offers a flat rate may be better for you.
Mile Auto offers the following car insurance policies and benefits:
- Full coverage insurance (comprehensive insurance, collision insurance, liability insurance).
- Rental car reimbursement.
- Roadside assistance.
- Personalized deductibles.
- Various coverage limits.
- Storage insurance (coverage for your car when itâs not being driven).
2. Certainly
Certainly offers insurance underwritten by a Fortune 100 company, Liberty Mutual Insurance Company and its affiliates.
Their auto insurance policies are available in Arizona, Illinois, Ohio, Tennessee, and Wisconsin.
They pride themselves on offering simple, intuitive insurance products that meet their clientsâ unique needs.
Certainly doesnât offer car insurance to drivers who use their vehicles for ridesharing programs.
They offer various auto insurance policies, including:
- Auto insurance.
- Renters insurance.
- Small business insurance.
3. Bristol West
Founded in 1973, Bristol Westâs national footprint makes it one of the top ten biggest insurance companies in the U.S.
Theyâre a member of the Farmers Insurance Group of Companies, an $11.6 billion insurance company.
Bristol West was originally created to provide high-risk drivers with affordable car insurance policies, and they have since expanded their offering to all types of drivers.
Some of the benefits offered by Bristol West include:
- Multiple policy bundling discounts.
- Personalized car insurance policies.
- Rideshare coverage.
- Medical payments.
- Gap coverage.
- Towing and roadside assistance.
- Rental car reimbursement.
Car Insurance in Arizona FAQs
Do I need to have car insurance in the state of Arizona?
Full coverage car insurance is not a legal requirement in Arizona. However, all Arizona drivers must meet the stateâs minimum car liability insurance requirements.
While each U.S. state will have different vehicle minimum liability insurance requirements, it always addresses three key points:
- Bodily injury coverage per person:Â This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
- Bodily injury coverage per accident:Â This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident, regardless of how many people are injured.
- Property damage coverage per accident:Â This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another personâs property.
The minimum liability insurance coverage requirements in Arizona are:
- $15,000 for bodily injury per person.
- $30,000 for bodily injury per accident.
- $10,000 for property damage.
At any point while youâre driving, law enforcement can request to see proof of your insurance. If you do not have car insurance, you may be subject to the following penalties:
- A $500 fine.
- Driverâs license suspension.
- Registration suspension.
- License plate suspension.
Is auto insurance expensive in Arizona?
Auto insurance in Arizona is relatively affordable when compared to other states.
According to our research, the average annual cost for car insurance in Arizona is $1,247âalmost 12% less than the average rate of auto insurance in other states.
To find the cheapest car insurance in Arizona, we recommend comparing auto insurance quotes from multiple companies. This can be a time-consuming process, so save time and find the best deals by getting in touch with one of our insurance agents.
Which auto insurance company has inexpensive car insurance in Arizona?
The total cost of your car insurance will depend on a range of factors, including what type of driver you are.
We went the extra mile and compared car insurance for three types of drivers: good drivers, high-risk drivers, and young drivers.
The cheapest auto insurance companies for good drivers are:
- Mile Auto with average rates of $59.20.
- Clearcover with average rates of $93.33.
- Certainly with average rates of $110.80.
The cheapest car insurance companies for high-risk drivers are:
- Stonegate with average rates of $178.80.
- Progressive with average rates of $192.60.
- Bristol West with average rates of $195.40.
The cheapest automobile insurance companies for young drivers are:
- Mile Auto with average rates of $115.20.
- Certainly with average rates of $189.80.
- Bristol West with average rates of $242.
â Average monthly car insurance premium: $464
â Premium increase from start of decade: $196 (52%)
Getting Cheap Car Insurance in Arizona
Cheap car insurance in Arizona doesnât have to be complicated. Use these tips to find the best car insurance coverage for your needsâand that you can afford.
- Start with the minimum: Estimate your monthly premium by starting with the minimum amount of coverage required in Arizona. If you can afford more, build on your policy from there.
- Compare lots of insurance firms: Car insurance premiums vary greatly from one provider to another. Shop around for cheap car insurance quotes to get the best auto insurance for your budget.
- Be a defensive driver: Good drivers can get discounts on their insurance policy. Avoid accidents and traffic tickets by always being a defensive driver.
- Arizona insurance programs: Some drivers may be eligible for Arizona car insurance programs like low income auto insurance, which is low cost car insurance. This can get you low priced car insurance.
Arizona Auto Insurance Discounts
Arizona drivers may be eligible for car insurance coverage discounts. Get insurance quotes to find out if you qualify.
- Good Driver: If youâve avoided accidents and traffic tickets, you may be able to get a discount on your car insurance.Â
- Good Student: Young drivers and teens in Arizona can also qualify for discounted car insurance with a good driving record.
What is the penalty for driving without insurance in Arizona?
Those who drive without insurance in Arizona could face suspension of their license or vehicle registration.
What is driving like in Arizona?
There were 98,778 crashes in Arizona in 2020, including 1,057 fatalities and 41,350 injuries. About 12% of drivers in Arizona are uninsured.
How can I save money on my car insurance policy in Arizona?
There are several ways to save money on vehicle insurance in Arizona, including:
- Looking for discounts when insuring multiple vehicles and see if you qualify for low income car insurance
- Getting a discount for having a good driving record
- Getting student or mature driver discounts
- Finding out if you can get a discount for having airbags or anti-theft features in your vehicle
- Reducing payments with an installment plan
- Setting a higher deductible for comprehensive or collision coverage to get cheap insurance.
Other Types of Coverage
Though bodily injury and property damage policies are a minimum car insurance requirement in Arizona, many drivers should consider other types of vehicle insurance coverages. Here are some insurance options you may benefit from:
- Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
- Medical Payments Coverage
- Physical Damage Coverage
- Additional kinds of coverage
- Endorsements and Riders
-
- Towing and road service
- Rental car reimbursement
- Gap insurance
