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Find the Best Cheap Car Insurance in Arizona (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Arizona.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Car insurance
costs an average of $2,388 per year in Arizona. As auto insurance companies raise rates in response to inflation and record losses, it might seem hard to find affordable coverage—but it’s not impossible. 
You won’t find a one-size-fits-all solution to car insurance in Arizona, but you can work with Jerry to find the best fit (and the best rate) for you.

How to get cheap car insurance in Arizona: A 5-step guide

Step 1: Gather your information

You’ll need basic information
like your name, address, license plate and VIN numbers, plus more specific details, like whether you’ve had any tickets, claims, or accidents in the last five years.

Step 2: Get quotes

Insurance experts suggest getting insurance quotes from at least 3–5 insurance companies. By comparison shopping, you increase the chances of finding an insurer that offers low rates to drivers like you.
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Use the information you gathered to request
car insurance quotes
from real insurers in the Jerry app.
You’ll presented with quotes that best fit your driving profile in less than a minute.

Step 3: Decide how much coverage you want 

How much coverage you carry is ultimately up to you, but most drivers choose a level of protection somewhere between
state minimum liability coverage
and high-liability
full coverage
with added coverage options like roadside assistance and rental reimbursement. 
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Minimum coverage requirements in Arizona

All drivers in Arizona must carry at least the following coverage: 
State minimum coverage
is automatically included in all Arizona car insurance quotes. Other coverages—including
uninsured motorist coverage
,
comprehensive coverage
, and
collision coverage
—are optional. 

How much auto insurance do you need in Arizona?

Consider raising your coverage level if you can afford it—a policy with 100/300/100 liability car insurance limits is ideal, but a 50/100/30 insurance policy offers better financial, and legal, protection than the minimum. 
  • If you have kids: Opt for higher liability limits and
    full coverage
    , along with medical coverage to supplement your health insurance. 
  • If you’re early in your career: Make sure your liability limits can cover your assets now and in the future. 
  • If you own your car: Comprehensive and collision coverage are a must—unless the annual cost of coverage is greater than your car’s replacement value. 
Avoid state minimum coverage Liability-only insurance may be cheaper now, but it’s not cost effective for the long run since it offers no protections for you or your vehicle

Step 4: Pick your coverage start date

Be sure your new policy will start before your old policy ends. If you have a gap in coverage—known as an
insurance lapse
—you’ll be uninsured if you get into an accident. You could also face fines, license suspension, suspension of your vehicle registration, and higher insurance rates when you reinstate your policy.
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Jerry partners with dozens of providers in Arizona that offer
same-day coverage
to most drivers, but you can set your policy’s start date for up to a month from the day you shop. 

Step 5: Upload your documents 

If you have auto loans, you’re a homeowner, or you’re hoping for a student discount, you may need to upload documents for verification. 
Once that verification is complete, your new coverage will usually be activated the same day.
“Hands down the best insurance shopper app available. It shopped for, quoted and purchased coverage for car and renters insurance in minutes and I saved hundreds. It even sent cancellation letters on my existing policies. Highly recommend this app for anyone shopping for any type of insurance.” – Madeline U. 

How Arizona insurance companies set car insurance rates

What you pay for car insurance is based on a variety of factors unique to you. These include things like demographics, zip code, driving record, vehicle type, and more.
But knowing what affects your insurance rates is only half the battle. Below, we’ll examine the “how” and “why” behind the impact your driver profile has on your Arizona car insurance costs.
Average rates: 
  • $2,388 per year for a full coverage car insurance policy
  • $1,422 per year for a liability-only minimum coverage policy

Your credit score

Yes,
credit scores do affect car insurance rates
in Arizona. Drivers with good credit enjoy better car insurance rates.

Your age

Car insurance providers offer their lowest rates to low-risk age groups—like
senior drivers
aged 55 to 75—and their highest rates to high-risk age groups—like young drivers under 25.
Less driving experience = higher rates. Teenagers are generally considered high-risk drivers thanks to a fatal crash rate nearly 3x as high as older drivers.

Where you live

Auto insurance rates have increased an average of 12.3% since 2018 in Arizona, and driver in cities like
Phoenix
,
Tucson
, and
Mesa
are suffering the most thanks to:
  • Higher than average motor vehicle fatality rates: Arizona saw more than 1,170 fatalities related to motor vehicle crashes in 2022.1
  • Rapid population growth: As populations become more dense, especially in cities, the likelihood of accidents increases, driving up insurance coverage costs.
  • Pricey cars: When the average value of vehicles goes up in an area, so does the average cost of insurance. 
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Your Arizona driving record

If you’re a good driver with a clean driving record, you’ll enjoy lower rates than drivers with points against their driver’s license.
If you’ve got a DUI,
speeding ticket
, at-fault accident, or other traffic violation on your
Arizona driving history
, you’ll probably be charged higher than average rates. Once on your record, these infractions remain for one to three years.

Your insurance history

Insurance providers consider you a high-risk driver if you had a car insurance lapse in the past—at some point in time, you were an uninsured motorist. Needless to say, a car insurance lapse can also raise your rates.

The best car insurance discounts for Arizona drivers

Car insurance discounts
are a simple yet effective way to make even the most robust policy affordable. To maximize your savings, look for carriers that offer discounts for:
Avoid unsafe driving behavior like harsh braking, speeding, and phone use can lower the chance of a car accident and reduce wear and tear on your vehicle. It can also earn you an average insurance discount of 12%. 
Track your driving with the Jerry app. Get your driving score today, earn perks for safe drivers, and qualify for discounted rates from some of Arizona’s best insurers.

The best car insurance companies in Arizona (according to real drivers)

To help drivers make the right choice about their car insurance, we surveyed over 18,000 real customers to find out which insurance companies offer the best rates, customer service, and claims handling in Arizona. 
Respondents listed top providers, like GEICO, State Farm, USAA, Allstate, and Nationwide, but the five companies below stood out in our survey as some of the best picks for Arizona drivers. 
“Progressive offered the lowest rate, with the best coverage. A little high, but having a 16yo driver on your policy does that. Never needed to utilize the coverage, but have no doubt that it would be handled with professionalism.” (Samuel, 5 star review)
“Thanks to you guys I had a Smoove insurance change with just a click of a button l. Thanks guys!!!” (Kayla, 5 star review)
“Quick and easy to understand quotes. Very reasonably priced and great coverage! So glad I found AAA! Plan on being a lifer!” (Ashley, 5 star review)
“After months of searching for insurance that didn’t want to charge me criminally high rates due to poor credit even though I’ve got a great driving record, Jerry found me great coverage with Bristol West for $50 less a month than what I was paying before. Thank you Jerry! Highly recommend!” (Garret, 5 star review)
“I’ve been with them for over a year and have no interest in changing. They have good rates and friendly, helpful customer service.” (Heidi, 5 star review)

What is the cheapest car insurance company in Arizona?

Regardless of what you may have read elsewhere, no one insurance company has the cheapest rates for every Arizona driver. Not only is every driver unique, but every carrier in Arizona uses its own methodology to calculate, quote, and set rates for customers.
The only way to find the best cheap car insurance in Arizona is to compare quotes tailored to your unique driver profile
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FAQs

How much is car insurance per month in Arizona?

Specific rates will vary from driver to driver, but you should expect to pay an average of $2,388 per year for a full coverage car insurance policy and $1,422 per year for a liability-only minimum coverage policy.

What is the cheapest legit car insurance? 

To find cheap auto insurance that meets the requirements set by the Arizona Department of Insurance, work with an independent insurance broker like Jerry. Jerry is licensed in the state of Arizona and backed by a team of insurance agents authorized to sell car insurance in Arizona. 

Why is Arizona auto insurance so expensive?

Higher than average traffic fatalities are a major contributing factor to Arizona’s elevated car insurance rates. That said, Arizona drivers still enjoy lower overall insurance costs than the national average.

What is the minimum car insurance for Arizona?

Arizona requires drivers to purchase auto insurance coverage that includes at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability per accident, and $15,000 of property damage liability insurance per accident.

What is the cheapest car insurance company in Arizona?

Regardless of what you may have read elsewhere, no one insurance company has the cheapest rates for every Arizona driver. Not only is every driver unique but also every carrier in Arizona uses its own methods to calculate, quote, and set car insurance premiums for customers.
The only way to find the best cheap car insurance in Arizona is to compare auto insurance quotes tailored to your unique driver profile. 

Which cars require the highest auto insurance in Arizona?

High value vehicles, like performance imports and sports cars tend to have the highest insurance. They’re also the ones that tend to benefit most from increased levels of coverage.

What is the cheapest minimum insurance in Arizona?

Liability-only coverage that meets Arizona’s minimum car insurance requirements—often called a 25/50/15 liability policy—is the cheapest auto insurance in Arizona. But it’s also a risky policy to purchase, since it provides no coverage for your vehicle and leaves you open to lawsuits if you cause more than $50,000 worth of injuries or more than $15,000 in property damage. 
A full coverage policy is the best investment for most Arizona drivers. 

What is the 25 50 15 rule?

“25 50 15” refers to the minimum liability coverage limits required for all drivers in Arizona. All drivers must carry at least $25,000 of liability coverage for bodily injury to a single person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability.  

Are there any state-specific programs or discounts for cheap car insurance in Arizona?

No. Arizona does not operate any state-specific or state-sponsored programs for affordable auto insurance.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.