Cheap Car Insurance in Arizona (2025)

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Cheap Car Insurance in Arizona (2025)

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Key Takeaways
  • Arizona has a 12% uninsured motorist rate and roadways have a 33% higher fatality rate than the national average.
  • However, Arizonans pay 13% less than the national average.
  • State minimum insurance in Arizona requires $25,000/$50,000/$15,000 coverage.

Drivers in Arizona pay moderately lower car insurance premiums compared to the rest of the country in spite of the the state having a nearly 12% uninsured motorist rate. The Grand Canyon State also has a significant number of traffic accidents due to its highways and major interstate roadways, especially in cities like Phoenix, Scottsdale and Tucson. These roadways have a fatality rate that’s significantly higher than the national average.

The state also has its own unique extreme weather to deal with. Arizona’s monsoon season, which runs from June through September, brings dust storms that can lower driving visibility along with heavy rains, high winds and flash floods — all of which can drive up the risk of auto accidents. 

Typically, Arizona drivers pay $155 monthly for minimum coverage, according to a Jerry analysis. The average cost of full coverage insurance is $298 monthly. This rate is 13% lower than the national average of $340. 

What are Arizona’s minimum requirements for car insurance?

Arizona law mandates that all drivers carry minimum liability insurance coverage to legally drive. Even drivers of golf carts, mopeds, and/or motorcycles have to get the minimum coverage. 

The required minimums of this coverage, which helps pay for the costs of injuries or property damage if you end up causing an accident, have limits of “25/50/15.” Let’s take a closer look at what the minimum requirements are and their coverage limits:

  • $25,000 per person for bodily injury liability.
  • $50,000 for bodily injury per accident for multiple persons injured.
  • $15,000 for property damage liability per accident.

Cheapest minimum coverage insurance in Arizona

Check out the quotes for state minimum coverage in Arizona.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $88 $1,051
Nationwide $91 $1,089
Safeco $94 $1,127
Mercury $97 $1,168
Aspire Advantage $108 $1,293
State Auto $111 $1,329
Progressive $121 $1,457
Clearcover $123 $1,482
Kemper $124 $1,491
Mendota $130 $1,555
Last Updated Jan 13, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Arizona

Full coverage in Arizona is more expensive than state minimum coverage, but it can be worth considering, whether it’s required or simply for the added peace of mind and financial protection. Take a look at quotes from different insurance providers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Plymouth Rock $150 $1,799
First American $163 $1,952
Embark General $176 $2,115
Nationwide $183 $2,201
Mercury $189 $2,262
Safeco $203 $2,434
Progressive $205 $2,457
Allstate $206 $2,468
AAA $206 $2,472
Clearcover $206 $2,474
Last Updated Jan 12, 2025

Cheapest car insurance for young drivers in Arizona

Young drivers tend to pay the highest insurance rates throughout the United States, and young Arizonans in a similar boat.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $402 $4,824
21-24 $297 $3,564
Last Updated Jan 12, 2025

Cheapest liability-only policy in Arizona for a 20 year old

Check out the cheapest policies for a 20-year-old driver in Arizona.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 20 $201 $2,415
Mercury 20 $203 $2,438
Aspire Advantage 20 $205 $2,460
Mendota 20 $253 $3,032
Trexis 20 $280 $3,363
Last Updated Jan 12, 2025

Cheapest full coverage policy in Arizona for a 20 year old

Check out the quotes for full coverage in Arizona for a 20-year-old driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Kemper 20 $363 $4,354
Trexis 20 $386 $4,635
Progressive 20 $466 $5,587
Mendota 20 $481 $5,767
Dairyland 20 $496 $5,956
Commonwealth Insurance 20 $679 $8,147
The General 20 $730 $8,754
Bristol West 20 $794 $9,527
Assurance America 20 $912 $10,939
Gainsco 20 $4,445 $53,338
Last Updated Jan 12, 2025

Average car insurance for mature drivers in Arizona (25-54 years old)

As you get deeper into adulthood, auto insurance quotes drop. Check out some of the quotes for various age groups of Arizona drivers.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $213 $2,556
35-44 $185 $2,218
45-54 $172 $2,068
Last Updated Jan 12, 2025

Cheapest liability-only policy in Arizona for a 36 year old

Jerry’s customer’s average age is 36. For Arizonans, the cheapest quotes for a 36-year-old come from a variety of providers.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
State Auto 36 $59 $707
Bluefire 36 $70 $837
Mercury 36 $79 $946
Safeco 36 $89 $1,064
Kemper 36 $90 $1,078
Last Updated Jan 13, 2025

Cheapest full coverage policy in Arizona for a 36 year old

If you’re seeking full coverage, these are the quotes, ranked from the cheapest to more expensive quotes.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 36 $146 $1,752
Allstate 36 $157 $1,887
Travelers 36 $166 $1,997
Nationwide 36 $172 $2,061
Mercury 36 $172 $2,063
Progressive 36 $186 $2,227
Kemper 36 $191 $2,291
Safeco 36 $198 $2,374
Aspire Advantage 36 $234 $2,810
Assurance America 36 $236 $2,828
Last Updated Jan 12, 2025

Average car insurance for older drivers (55+ years old)

Older drivers in the United States tend to see their quotes continue to drop until they hit a certain age in their senior years where rates start increasing.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $154 $1,853
65+ $154 $1,854
Last Updated Jan 12, 2025

Cheapest liability-only policy in Arizona for a 65 year old

Rates continue to hover in the double-digits with many insurers for a 65-year-old Arizonan:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
State Auto 65 $36 $437
Bluefire 65 $45 $544
Safeco 65 $58 $693
Infinity 65 $62 $748
Mendota 65 $65 $781
Last Updated Jan 12, 2025

Cheapest full coverage policy in Arizona for a 65 year old

Check out the cheapest full coverage policies in Arizona for a 65-year-old driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Nationwide 65 $118 $1,412
Mercury 65 $135 $1,614
Progressive 65 $145 $1,745
National General 65 $164 $1,964
Bluefire 65 $165 $1,980
Travelers 65 $185 $2,222
Safeco 65 $189 $2,273
Encompass 65 $193 $2,321
Infinity 65 $196 $2,353
Dairyland 65 $215 $2,582
Last Updated Jan 13, 2025

Average car insurance for drivers with clean records in Arizona

A clean record with no violations or claims will generally get you a favorable quote. Check out the average quotes and also the cheapest insurers for Arizonans with clean driving records.

Avg Monthly Quote
Avg Annual Quote
$183 $2,197
Last Updated Jan 13, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $81 $968
Aspire Advantage $107 $1,282
Anchor General $123 $1,472
Bluefire $130 $1,559
Mercury $140 $1,680
Progressive $158 $1,891
Plymouth Rock $158 $1,902
First American $163 $1,952
Allstate $164 $1,970
Safeco $165 $1,975
Last Updated Jan 12, 2025

Average car insurance for drivers with low credit scores in Arizona

Arizonans with better credit scores tend to see a better price for car insurance as Jerry’s data shows:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $230 $2,762
660-750 $215 $2,583
<550 $242 $2,907
750+ $167 $2,004
Last Updated Jan 13, 2025

If you have a lower credit score, check out these insurance companies who may offer a more favorable rate.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Embark General <550 $53 $642
Aspire Advantage <550 $110 $1,317
Anchor General <550 $119 $1,430
Bluefire <550 $157 $1,884
Mercury <550 $160 $1,920
Last Updated Jan 12, 2025

Cheapest car insurance for drivers with at-fault accidents in Arizona

Getting involved in an accident will lead to higher insurance rates, as illustrated by the averages from Jerry customers.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $262 $3,148
At Fault With No Injury $242 $2,902
Not At Fault $212 $2,538
$188 $2,261
Last Updated Jan 12, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Arizona

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With No Injury $120 $1,439
Anchor General At Fault With No Injury $123 $1,481
Mapfre At Fault With No Injury $124 $1,493
Plymouth Rock At Fault With No Injury $131 $1,571
Bluefire At Fault With No Injury $156 $1,876
Last Updated Jan 12, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Arizona

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With Injury $135 $1,623
Safeco At Fault With Injury $182 $2,189
Nationwide At Fault With Injury $195 $2,346
Travelers At Fault With Injury $208 $2,501
National General At Fault With Injury $209 $2,503
Last Updated Jan 12, 2025

Cheapest car insurance for drivers with speeding tickets in Arizona

If you have a speeding ticket on your record, your insurance rates will go up — and the higher your speed when you were caught speeding, the more costly your car insurance is likely to be.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding under 15 $234 $2,810
Speeding over 15 $303 $3,637
Last Updated Jan 12, 2025

While having a speeding ticket will likely influence your premiums, check out these quotes to see which insurance companies might give you the best quotes.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Ready Insurance $115 $1,374
Aspire Advantage $120 $1,437
Embark General $122 $1,468
Bluefire $157 $1,884
AAA $177 $2,125
Mercury $181 $2,169
Nationwide $205 $2,462
Clearcover $210 $2,525
National General $214 $2,566
Progressive $215 $2,575
Last Updated Jan 14, 2025

Cheapest car insurance for drivers with a DUI in Arizona

Getting caught driving after you’ve had a few too many drinks will result in an increased average price quote.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $221 $2,650
$196 $2,353
Last Updated Jan 13, 2025

Nonetheless, shopping around for insurance even if you have a DUI on your record could result in some savings. Here are some of the lowest priced insurers in Arizona.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $75 $900
Nationwide $147 $1,759
Metlife $171 $2,049
State Auto $178 $2,134
Bluefire $180 $2,155
Progressive $180 $2,165
Mercury $181 $2,169
Trexis $193 $2,316
Mendota $202 $2,424
Kemper $212 $2,540
Last Updated Jan 12, 2025

Average car insurance for drivers with other violations in Arizona

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $255 $3,065
Cell Phone $263 $3,156
Defective Equipment $196 $2,350
Driving on Sus. License $229 $2,751
Eluding Police $379 $4,543
Failure to Obey Traffic Sign $255 $3,065
Illegal Turn $250 $3,001
Improper Passing $277 $3,327
Leaving scene of an Accident/Hit and Run $163 $1,962
Open Container $314 $3,765
Other $241 $2,893
Passing School Bus $207 $2,480
Racing/Drag Racing $273 $3,273
Reckless Driving $194 $2,329
Seat Belt $193 $2,315
Suspension $238 $2,852
Vehicle Theft $66 $791
Wrong Way/Wrong Lane $233 $2,791
Last Updated Jan 13, 2025

Is uninsured/underinsured (UM/UIM) motorists coverage required in Arizona?

Arizona does not require drivers to carry uninsured/underinsured motorists coverage, but it can be beneficial to add both to your policy for added financial protection. There’s no guarantee that all drivers on the roadways have adequate coverage.

If you get into an accident or a hit-and-run with an uninsured person who causes the collision, UM coverage helps pay for injuries to you and your passengers, plus other losses.

UIM, or underinsured motorist coverage, takes effect when the at-fault driver of an accident has insurance but does not have adequate coverage for the incident. 

What is full coverage car insurance in Arizona?

Drivers with full coverage have broader protection than what Arizona’s minimum requirements provide. A full coverage car insurance policy in Arizona includes:

  • Liability insurance: Covers injuries or damage you cause to someone else in an accident.
  • Collision coverage: Helps pay for repairs to your vehicle that result from an accident regardless of who is found responsible. This coverage typically has a deductible. 
  • Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.

How are car insurance premiums determined in Arizona?

Drivers pay different rates across the state because insurance carriers base premiums on numerous factors, which may include:

  • Driving record.
  • Traffic tickets and violations history.
  • Claims history.
  • Age and marital status.
  • Where you live. 
  • The vehicle you drive.
  • Policy deductibles.
  • Credit score.
  • Annual mileage.

How can you find the best cheap car insurance rates in Arizona?

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

There are a few things you can do to help reduce what you pay for car insurance:

  • Be a defensive driver and maintain a safe driving record by avoiding traffic violations.
  • Shop around to compare quotes from multiple insurers. This is the ideal way to find the best cheap car insurance in Arizona and you should do it multiple times per year. 
  • Your credit score is a major factor influencing what you pay for car insurance, so take a look at your credit score and devise a plan to boost it. Why?  People with low (300-579) and average (580-669) credit scores pay an average of double the rate for their premiums than drivers with great credit. 
  • Try to bundle your policies for home and auto insurance from the same insurer for a discount. 

In general, comparing quotes from multiple insurers is key to finding the best cheap premium. It’s a good rule of thumb to compare quotes a few times a year to make sure you get the best cheap rate possible. 

Jerry, America’s first and only AllCar™ app, can take the hassle out of having to do this yourself. As a licensed broker, Jerry finds the best deal for you in minutes, as our app’s PriceProtect™ searches for insurance rates from many insurance companies. 

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.