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
Aspire Advantage $107 $1,280
Bluefire $108 $1,302
Safeco $118 $1,420
Mendota $130 $1,555
National General $130 $1,563
Assurance America $147 $1,765
Progressive $148 $1,772
Trexis $151 $1,816
Commonwealth Insurance $152 $1,827
Dairyland $169 $2,033
Last Updated Apr 30, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, 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
Anchor General $179 $2,147
Progressive $218 $2,615
Safeco $218 $2,618
Assurance America $226 $2,712
Aspire Advantage $242 $2,903
Bluefire $257 $3,089
National General $262 $3,146
Mendota $265 $3,184
Commonwealth Insurance $301 $3,612
Kemper $326 $3,918
Last Updated May 1, 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 $323 $3,877
Last Updated Apr 29, 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
Aspire Advantage 20 $210 $2,517
Commonwealth Insurance 20 $221 $2,657
National General 20 $230 $2,758
Dairyland 20 $240 $2,883
Trexis 20 $244 $2,924
Last Updated Apr 29, 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
Bluefire 20 $459 $5,503
Progressive 20 $491 $5,893
Trexis 20 $494 $5,926
Mendota 20 $495 $5,945
Dairyland 20 $510 $6,118
National General 20 $527 $6,319
Root 20 $543 $6,515
Commonwealth Insurance 20 $609 $7,303
Bristol West 20 $768 $9,221
The General 20 $780 $9,354
Last Updated Apr 29, 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 $223 $2,680
35-44 $188 $2,260
45-54 $174 $2,093
Last Updated Apr 28, 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
Bluefire 36 $86 $1,033
Aspire Advantage 36 $91 $1,088
National General 36 $111 $1,328
Commonwealth Insurance 36 $114 $1,365
Progressive 36 $121 $1,455
Last Updated Apr 29, 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
Progressive 36 $191 $2,290
Assurance America 36 $219 $2,629
National General 36 $226 $2,709
Mendota 36 $237 $2,841
Commonwealth Insurance 36 $238 $2,850
Bluefire 36 $238 $2,855
Trexis 36 $244 $2,933
Bristol West 36 $267 $3,206
The General 36 $282 $3,386
Root 36 $283 $3,397
Last Updated May 1, 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 $163 $1,958
65+ $153 $1,836
Last Updated Apr 29, 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
Commonwealth Insurance 65 $44 $532
Dairyland 65 $76 $912
Aspire Advantage 65 $81 $972
Mendota 65 $86 $1,028
Progressive 65 $94 $1,127
Last Updated Apr 28, 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
Dairyland 65 $120 $1,439
Commonwealth Insurance 65 $140 $1,676
Progressive 65 $160 $1,917
Assurance America 65 $183 $2,191
Bristol West 65 $194 $2,332
Mendota 65 $196 $2,356
Safeco 65 $216 $2,595
National General 65 $235 $2,818
Trexis 65 $260 $3,121
The General 65 $303 $3,639
Last Updated May 1, 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
$186 $2,236
Last Updated Apr 29, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $83 $998
Aspire Advantage $106 $1,271
Anchor General $121 $1,453
Mercury $140 $1,682
Bluefire $144 $1,726
Plymouth Rock $158 $1,902
Progressive $160 $1,915
First American $163 $1,952
Allstate $165 $1,974
Safeco $165 $1,981
Last Updated May 1, 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 $235 $2,814
660-750 $220 $2,637
<550 $244 $2,930
750+ $168 $2,019
Last Updated Apr 29, 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 $76 $914
Anchor General <550 $96 $1,154
Aspire Advantage <550 $112 $1,343
Mercury <550 $149 $1,788
Bluefire <550 $167 $1,999
Last Updated May 1, 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 $260 $3,117
At Fault With No Injury $255 $3,054
Not At Fault $242 $2,901
$211 $2,533
Last Updated May 1, 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 $114 $1,366
Anchor General At Fault With No Injury $131 $1,568
National General At Fault With No Injury $178 $2,139
Bluefire At Fault With No Injury $199 $2,387
Progressive At Fault With No Injury $211 $2,532
Last Updated Apr 29, 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 $129 $1,549
Assurance America At Fault With Injury $163 $1,951
Mendota At Fault With Injury $192 $2,308
National General At Fault With Injury $193 $2,313
Gainsco At Fault With Injury $205 $2,455
Last Updated May 1, 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 over 15 $291 $3,495
Speeding under 15 $233 $2,794
Last Updated Apr 29, 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
Aspire Advantage $113 $1,360
National General $195 $2,335
Progressive $214 $2,572
Bluefire $217 $2,601
Safeco $225 $2,696
Commonwealth Insurance $262 $3,140
Mendota $262 $3,149
Assurance America $271 $3,253
Trexis $277 $3,318
Gainsco $315 $3,781
Last Updated Apr 29, 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 $2,653
$199 $2,390
Last Updated Apr 30, 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 $68 $821
Safeco $73 $875
Assurance America $175 $2,100
Progressive $183 $2,198
Bluefire $194 $2,326
Trexis $199 $2,393
Mendota $218 $2,616
National General $225 $2,695
Commonwealth Insurance $249 $2,983
Gainsco $254 $3,048
Last Updated May 1, 2025

Average car insurance for drivers with other violations in Arizona

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $259 $3,105
Cell Phone $286 $3,433
Defective Equipment $231 $2,774
Driving on Sus. License $239 $2,868
Eluding Police $379 $4,543
Failure to Obey Traffic Sign $260 $3,118
Illegal Turn $249 $2,994
Improper Passing $280 $3,355
Leaving scene of an Accident/Hit and Run $152 $1,824
Open Container $451 $5,413
Other $241 $2,896
Passing School Bus $207 $2,480
Racing/Drag Racing $282 $3,387
Reckless Driving $168 $2,013
Seat Belt $148 $1,780
Suspension $256 $3,071
Vehicle Theft $66 $791
Wrong Way/Wrong Lane $233 $2,791
Last Updated May 1, 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 within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

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