Cheapest Arizona Car Insurance Rates in 2025 (Find Savings With These 10 Companies!)
Geico, USAA, and State Farm stand out for offering the cheapest Arizona car insurance rates, starting at $25 monthly. These companies excel in affordability, customer satisfaction, and coverage options, making them the top choices for Arizona drivers seeking reliable and cost-effective insurance solutions.
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Table of Contents
Table of Contents
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Updated September 2024
19,116 reviewsCompany Facts
Min. Coverage for Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
6,590 reviewsCompany Facts
Min. Coverage for Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
6,590 reviews
18,157 reviewsCompany Facts
Min. Coverage for Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
18,157 reviewsThe top picks for the cheapest Arizona car insurance rates are Geico, USAA, and State Farm. Explore the strengths of each provider, focusing on their affordability, customer satisfaction, and full coverage car insurance.
These companies excel in offering cost-effective solutions and comprehensive protection, making them ideal choices for Arizona drivers.
Our Top 10 Company Picks: Cheapest Arizona Car Insurance Rates
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $25 | A++ | Online Tools | Geico |
 | #2 | $26 | A++ | Military Benefits | USAA |
 | #3 | $30 | B | Comprehensive Discounts | State Farm |
 | #4 | $32 | A+ | Snapshot Program | Progressive |
 | #5 | $39 | A++ | Hybrid Discounts | Travelers |
 | #6 | $43 | A | Loyal Customer | American Family |
 | #7 | $44 | A+ | Vanishing Deductible | Nationwide |
 | #8 | $51 | A | Customizable Policies | Farmers |
 | #9 | $67 | A | Flexible Policies | Liberty Mutual |
 | #10 | $68 | A+ | Claim Satisfaction | Allstate |
By comparing quotes and evaluating coverage options, drivers can find the best insurance to suit their needs and budget.
Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico is known for offering some of the most affordable rates, particularly advantageous for drivers with good credit or clean driving records.
- High Customer Satisfaction: Explore our Geico car insurance review to see why it ranks high in customer satisfaction.
- Comprehensive Online Tools: Geico provides an easy-to-use online platform for managing policies, making payments, and filing claims.
Cons
- Rate Increases: Some customers report significant rate increases over time, which can be a concern for long-term affordability.
- Limited Local Agents: Geico primarily operates online, which may be inconvenient for customers who prefer in-person service.
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#2 – USAA: Best for Military Families
Pros
- Exclusive Military Focus: USAA specializes in serving military members and their families, offering tailored services and discounts.
- Excellent Customer Service: View our USAA car insurance review highlighting their exceptional customer service.
- Comprehensive Coverage Options: USAA provides a wide range of coverage options and add-ons, allowing for highly customizable policies.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, limiting accessibility to the general public.
- Higher Premiums for Non-Members: Non-members may face higher premiums compared to military members.
#3 – State Farm: Best for Customer Satisfaction
Pros
- Extensive Family Discounts: Offers a variety of family discounts, including multi-car, good student, and policy bundling for additional savings.
- Nationwide Availability: See our State Farm car insurance review for its wide availability and family-friendly options.
- Strong Financial Stability: A large and financially stable insurance company, reassuring policyholders of its ability to fulfill claims.
Cons
- Potentially Higher Rates: While it offers various discounts, some customers may find that their base rates are higher compared to other insurers.
- Limited Online Interaction: The online experience with State Farm may be less intuitive due to its traditional focus on in-person agent interactions.
#4 – Progressive: Best for Usage-Based Insurance
Pros
- Snapshot Program: Offers usage-based insurance through its Snapshot program, potentially leading to significant savings for safe drivers.
- Wide Range of Discounts: Explore our Progressive car insurance review to learn about their numerous discounts.
- Comprehensive Online Resources: Strong online presence with comprehensive tools and resources for policy management.
Cons
- Customer Service Issues: Some customers report issues with customer service, particularly regarding claims handling.
- Rate Increases: Progressive may have higher rate increases at renewal compared to other insurers.
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#5 – Travelers: Best for Flexible Coverage Options
Pros
- Flexible Coverage Options: Delve into our Travelers car insurance review for customizable coverage options.
- Strong Financial Ratings: Travelers has strong financial ratings, indicating stability and reliability.
- Good Discount Programs: Provides numerous discount opportunities, including multi-policy and good student discounts.
Cons
- Average Customer Satisfaction: Customer satisfaction ratings are average, with some complaints about claims processing.
- Higher Premiums: Some customers may find Travelers’ premiums to be higher compared to other companies.
#6 – American Family: Best for Personalized Service
Pros
- Personalized Service: Known for its personalized customer service and dedicated local agents.
- Strong Financial Stability: Take a look at our American Family car insurance review for insights on financial stability.
- Good Range of Discounts: Offers a variety of discounts, including multi-policy, good student, and safe driver discounts.
Cons
- Limited Availability: Not available in all states, limiting accessibility for some customers.
- Average Online Experience: Online tools and resources are average compared to some competitors.
#7 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Offers the Vanishing Deductible program, which reduces deductibles for safe driving.
- Strong Financial Stability: Nationwide is financially stable, providing confidence in its ability to handle claims.
- Comprehensive Coverage Options: Offers a wide range of coverage options and add-ons. See our Nationwide car insurance discounts.
Cons
- Higher Rates: Some customers report higher base rates compared to other insurers.
- Customer Service Variability: Customer service experiences can vary, with some customers reporting issues.
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#8 – Farmers: Best for Customizable Policies
Pros
- Customizable Coverage: Offers highly customizable policies with a variety of coverage options and endorsements.
- Strong Customer Service: Discover our Farmers car insurance review emphasizing strong customer service.
- Good Discounts: Provides a variety of discounts, including multi-policy and good student discounts.
Cons
- Higher Premiums: Premiums can be higher compared to other insurance providers.
- Limited Online Tools: Online tools and resources may not be as comprehensive as some competitors.
#9 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Offers accident forgiveness to prevent rate increases after the first accident.
- Comprehensive Coverage Options: Based on our Liberty Mutual car insurance review, find out about their varied coverage options.
- Discount Opportunities: Offers various discounts, including multi-policy and good student discounts.
Cons
- Rate Increases: Some customers report significant rate increases over time.
- Average Customer Satisfaction: Customer satisfaction ratings are average, with some complaints about claims handling.
#10 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Offers a wide range of coverage options and customizable policies.
- Strong Financial Stability: Following our Allstate car insurance review, learn about their financial stability and claims handling.
- Good Discount Programs: Provides numerous discounts, including safe driver and multi-policy discounts.
Cons
- Higher Premiums: Some customers may find Allstate’s premiums to be higher compared to other companies.
- Mixed Customer Service Reviews: Customer service experiences can vary, with some customers reporting issues.
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Arizona Vehicle Insurance: Proof and Alternatives
In Arizona, drivers must always have proof of financial responsibility. Acceptable forms of proof include a liability insurance coverage policy, a bond worth $40,000, a certificate of deposit worth $40,000, or $40,000 in cash. Motorists must carry one of these proofs whenever they drive.
Geico stands out as the top provider for the cheapest Arizona car insurance rates, combining unbeatable affordability with top-notch customer service.
Dani Best Licensed Insurance Producer
Arizona can cancel your insurance for reckless driving, non-payment, fraud, license issues, permanent disability without a physician’s certificate, criminal negligence, DUI, hit-and-run, false statements on an application, insurer issues, using a private vehicle commercially, or if continuation violates state laws.
Arizona Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $68 $180
American Family $43 $114
Farmers $51 $135
Geico $25 $65
Liberty Mutual $67 $178
Nationwide $44 $116
Progressive $32 $84
State Farm $30 $81
Travelers $39 $104
USAA $26
$63
This table compares monthly car insurance rates in Arizona for minimum and full coverage across various providers. Geico offers the lowest rates at $25 for minimum coverage and $65 for full coverage. USAA follows with $26 for minimum coverage and $63 for full coverage. State Farm offers $30 for minimum and $81 for full coverage, while Progressive offers $32 for minimum and $84 for full coverage.
American Family, Farmers, Nationwide, Travelers, and Liberty Mutual offer a range of rates, with Liberty Mutual being the highest at $67 for minimum coverage and $178 for full coverage. Allstate’s rates are $68 for minimum coverage and $180 for full coverage. This comparison helps Arizona drivers find the best insurance options tailored to their coverage needs and budgets.
Arizona Auto Insurance Costs Relative to Income
In 2017, Arizona’s monthly per capita disposable personal income (DPI) was $2,860, which represents the money available to an individual after taxes. The average monthly car insurance cost in Arizona is $80, approximately 3 percent of the average DPI.
With an average monthly DPI of $2,806, Arizona residents spend nearly $100 per month on car insurance, potentially higher for those with car insurance for bad driving records. American Consumer Credit Counseling recommends saving 20 percent of each paycheck, translating to $561 monthly savings based on Arizona’s DPI.
The table highlights various car insurance discounts available from leading insurance companies in Arizona. It lists the providers along with the specific discounts they offer, ranging from multi-policy and safe driver discounts to those for good students and military members. This provides a comprehensive overview to help Arizona drivers identify which insurance companies offer discounts that might suit their needs.
Understanding Arizona Car Insurance Requirements
If you’re drawn to Arizona for its Western charm and outstanding Mexican cuisine, it’s important to know the costs associated with owning and operating a vehicle in the state. While Arizona ranks 24th in the U.S. for uninsured drivers, with about 12 percent of motorists uninsured, it’s crucial to have at least the minimum required liability insurance.
The minimum coverage includes $15,000 per person and $30,000 per accident for bodily injury liability, $10,000 for property damage liability, $15,000 per person and $30,000 per accident for uninsured motorist bodily injury, and $10,000 for uninsured motorist property damage.
Arizona is an “at-fault” state, meaning if you’re responsible for an accident, you must cover personal injury and property claims.
The required liability insurance covers $25,000 per person for injury or death, $50,000 for total injuries or death per person, and $15,000 for property damage per accident. These are just minimum requirements by state, and additional coverage options are available.
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Arizona Car Insurance Rates and Coverage Recommendations
The average monthly costs for core car insurance in Arizona are as follows: liability $43, collision $23, comprehensive $16, with a combined total of $81. These figures, sourced from the National Association of Insurance Commissioners, indicate that car insurance rates in Arizona are expected to rise significantly from 2019 onwards.
Arizona, an “at-fault” state, has minimum liability coverage requirements, but experts recommend purchasing more coverage than the state mandates. The attorneys at Begam, Marks, and Traulsen highlight that medical expenses, such as an MRI costing up to $3,000, can quickly surpass these minimum limits.
Therefore, they advise carrying underinsured and uninsured policies above the minimum required amounts. While basic car insurance has its pros and cons, there are many options to customize your coverage. While there are pros and cons to purchasing basic car insurance—such as affordability and meeting legal requirements versus potential coverage gaps—there are many options to customize your coverage.
When it comes to car insurance in Arizona, rates can vary significantly depending on your location. This guide will help you navigate the top car insurance companies in the Grand Canyon State, providing insights into the best providers and their average monthly rates.
By comparing car insurance rates by ZIP code, you can find the best deals and make informed decisions. Many factors influence these rates, including your driving history and the type of coverage you select. Always consider getting quotes from multiple providers to ensure you’re getting the best rate possible.
Top 25 Cheapest Arizona ZIP Codes for Full Coverage Car Insurance by Provider
| ZIP Code | City | Monthly Rate | Most Expensive Company | Most Expensive Monthly Rate | Cheapest Company | Cheapest Monthly Rate |
|---|---|---|---|---|---|---|
| 86403 | Lake Havasu | $240 | Farmers | $309 | Geico | $152 |
| 86404 | Lake Havasu | $241 | Farmers | $312 | Geico | $152 |
| 86409 | Kingman | $246 | Farmers | $313 | Geico | $152 |
| 86436 | Topock | $246 | Allstate | $322 | Geico | $149 |
| 86431 | Chloride | $248 | Farmers | $351 | Geico | $152 |
| 86438 | Yucca | $249 | State Farm | $308 | Geico | $152 |
| 85607 | Douglas | $249 | Farmers | $324 | Geico | $156 |
| 86401 | Kingman | $250 | Farmers | $355 | Geico | $152 |
| 85610 | Elfrida | $251 | Allstate | $296 | Geico | $156 |
| 86444 | Meadview | $251 | Farmers | $338 | Geico | $152 |
| 85533 | Clifton | $251 | State Farm | $309 | Geico | $157 |
| 86429 | Bullhead | $252 | State Farm | $325 | Geico | $149 |
| 86406 | Lake Havasu | $252 | Allstate | $352 | Geico | $152 |
| 86442 | Bullhead | $253 | State Farm | $323 | Geico | $149 |
| 85540 | Morenci | $253 | Allstate | $348 | Geico | $157 |
| 86437 | Valentine | $253 | Farmers | $396 | Geico | $152 |
| 85635 | Sierra Vista | $254 | Farmers | $315 | Geico | $146 |
| 85534 | Duncan | $254 | Farmers | $348 | Geico | $157 |
| 86443 | Temple Bar Marina | $254 | Farmers | $371 | Geico | $152 |
| 86411 | Hackberry | $254 | Farmers | $352 | Geico | $152 |
| 85552 | Thatcher | $254 | Allstate | $320 | Geico | $157 |
| 85616 | Huachuca | $255 | Allstate | $320 | Geico | $150 |
| 85615 | Hereford | $255 | Allstate | $348 | Geico | $148 |
| 86413 | Golden Valley | $255 | Farmers | $345 | Geico | $152 |
| 85643 | Willcox | $255 | Allstate | $320 | Geico | $159 |
Understanding the differences in car insurance rates by ZIP code can help you save money and choose the right provider for your needs.
Top 25 Most Expensive Arizona ZIP Codes for Full Coverage Car Insurance by Provider
| ZIP Code | City | Monthly Rate | Most Expensive Company | Most Expensive Monthly Rate | Cheapest Company | Cheapest Monthly Rate |
|---|---|---|---|---|---|---|
| 85009 | Phoenix | $457 | State Farm | $672 | Geico | $253 |
| 85017 | Phoenix | $453 | State Farm | $679 | Geico | $258 |
| 85019 | Phoenix | $448 | State Farm | $653 | Geico | $257 |
| 85031 | Phoenix | $445 | State Farm | $642 | Geico | $258 |
| 85035 | Phoenix | $435 | Farmers | $612 | Geico | $256 |
| 85033 | Phoenix | $435 | State Farm | $651 | Geico | $247 |
| 85015 | Phoenix | $431 | Farmers | $605 | Geico | $247 |
| 85051 | Phoenix | $427 | Farmers | $574 | Geico | $256 |
| 85040 | Phoenix | $426 | Allstate | $596 | Geico | $254 |
| 85041 | Phoenix | $425 | Farmers | $586 | Geico | $251 |
| 85021 | Phoenix | $424 | Farmers | $600 | Geico | $252 |
| 85006 | Phoenix | $423 | Farmers | $603 | Geico | $254 |
| 85034 | Phoenix | $422 | Farmers | $572 | Geico | $256 |
| 85013 | Phoenix | $420 | Farmers | $591 | Geico | $244 |
| 85043 | Phoenix | $419 | Farmers | $592 | Geico | $247 |
| 85004 | Phoenix | $418 | Farmers | $573 | Geico | $254 |
| 85012 | Phoenix | $417 | Farmers | $588 | Geico | $243 |
| 85007 | Phoenix | $417 | Farmers | $589 | Geico | $247 |
| 85003 | Phoenix | $416 | Farmers | $599 | Geico | $244 |
| 85301 | Glendale | $416 | Farmers | $585 | Geico | $247 |
| 85303 | Glendale | $415 | Allstate | $596 | Geico | $247 |
| 85029 | Phoenix | $415 | Farmers | $583 | Geico | $252 |
| 85025 | Phoenix | $415 | Farmers | $600 | Geico | $254 |
| 85042 | Phoenix | $407 | Farmers | $573 | Geico | $254 |
| 85020 | Phoenix | $403 | Allstate | $596 | Geico | $251 |
Whether you’re looking for the most affordable rates in Lake Havasu City or trying to avoid the high costs in Phoenix, this guide offers valuable insights. Take the time to compare and explore your options to ensure you’re getting the best coverage at the best price.
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Comparing Car Insurance Rates Across Arizona Cities
Car insurance rates in Arizona can vary widely by city. Comparing the average monthly rates and identifying the most and least expensive companies in different cities can help you make informed decisions and save money. Compare car insurance by coverage type to ensure you get the best rates for the coverage you need.
Arizona Full Coverage Car Insurance Monthly Rates by City & Provider
| City | Monthly Rate | Most Expensive Company | Most Expensive Monthly Rate | Cheapest Company | Cheapest Monthly Rate |
|---|---|---|---|---|---|
| Bullhead City | $252 | State Farm | $324 | Geico | $149 |
| Chloride | $248 | Farmers | $351 | Geico | $152 |
| Clifton | $252 | Allstate | $326 | Geico | $157 |
| Desert Hills | $241 | Farmers | $312 | Geico | $152 |
| Douglas | $249 | Farmers | $324 | Geico | $156 |
| Duncan | $254 | Farmers | $348 | Geico | $157 |
| Elfrida | $251 | Allstate | $296 | Geico | $156 |
| Fort Mohave | $256 | State Farm | $331 | Geico | $149 |
| Golden Valley | $255 | Farmers | $346 | Geico | $152 |
| Hackberry | $254 | Farmers | $352 | Geico | $152 |
| Hereford | $255 | Allstate | $348 | Geico | $148 |
| Huachuca City | $255 | Allstate | $320 | Geico | $150 |
| Kingman | $252 | Farmers | $356 | Geico | $152 |
| Lake Havasu City | $246 | Farmers | $328 | Geico | $152 |
| Meadview | $251 | Farmers | $338 | Geico | $152 |
| Pearce | $256 | Farmers | $299 | Geico | $154 |
| Pima | $258 | Farmers | $326 | Geico | $159 |
| Portal | $256 | USAA | $305 | Geico | $157 |
| Sierra Vista | $255 | Allstate | $320 | Geico | $147 |
| Temple Bar Marina | $254 | Farmers | $371 | Geico | $152 |
| Thatcher | $254 | Allstate | $320 | Geico | $157 |
| Tombstone | $258 | Allstate | $349 | Geico | $156 |
| Topock | $246 | Allstate | $322 | Geico | $149 |
| Willcox | $255 | Allstate | $320 | Geico | $159 |
| Yucca | $249 | State Farm | $308 | Geico | $152 |
This guide provides a comprehensive comparison of car insurance rates across various cities in Arizona. Understanding the variations in car insurance rates across different cities in Arizona can help you find the most cost-effective options for your location.
Top 25 Most Expensive Arizona Cities for Full Coverage Car Insurance by Provider
| City | Monthly Rate | Most Expensive Company | Most Expensive Monthly Rate | Cheapest Company | Cheapest Monthly Rate |
|---|---|---|---|---|---|
| Avondale | $369 | State Farm | $501 | Geico | $225 |
| Cashion | $340 | Farmers | $476 | Geico | $191 |
| Cave Creek | $345 | Farmers | $483 | Geico | $202 |
| Citrus Park | $343 | Allstate | $444 | Geico | $216 |
| El Mirage | $364 | Farmers | $504 | Geico | $220 |
| Flowing Wells | $345 | Farmers | $501 | Geico | $193 |
| Fort McDowell | $341 | Farmers | $551 | Geico | $183 |
| Gilbert | $344 | Allstate | $453 | Geico | $208 |
| Glendale | $380 | Farmers | $527 | Geico | $227 |
| Guadalupe | $362 | Farmers | $508 | Geico | $204 |
| Higley | $348 | Allstate | $452 | Geico | $216 |
| Laveen | $382 | State Farm | $556 | USAA | $232 |
| Mesa | $350 | Allstate | $460 | Geico | $200 |
| New River | $343 | Allstate | $460 | Geico | $197 |
| Paradise Valley | $361 | Allstate | $479 | Geico | $201 |
| Peoria | $350 | Farmers | $497 | Geico | $209 |
| Phoenix | $400 | Farmers | $551 | Geico | $239 |
| San Tan Valley | $345 | Allstate | $453 | Geico | $187 |
| Scottsdale | $349 | Farmers | $458 | Geico | $196 |
| Sells | $341 | Allstate | $461 | Geico | $175 |
| South Tucson | $341 | State Farm | $489 | Geico | $191 |
| Tempe | $350 | Farmers | $520 | Geico | $203 |
| Tortilla Flat | $341 | Farmers | $451 | Geico | $216 |
| Waddell | $354 | Allstate | $460 | Geico | $197 |
| Youngtown | $348 | Farmers | $550 | Geico | $220 |
Whether you reside in a city with cheaper rates like Lake Havasu City or face higher premiums in Phoenix, this guide will help you navigate the market and secure the best coverage at the most competitive price.
Top Arizona Car Insurance Companies: A Quick Guide
Choosing the right car insurance company in Arizona can be challenging with so many options available. The average monthly costs for core car insurance in Arizona are as follows: liability $43, collision $23, comprehensive $16, with a combined total of $81.
These figures, sourced from the National Association of Insurance Commissioners, indicate that car insurance rates in Arizona are expected to rise significantly from 2019 onwards.
This guide will help you navigate the top car insurance companies in the Grand Canyon State, providing insights into the best providers and their average monthly rates.
By comparing the rates and reputations of the top car insurance companies in Arizona, you can make an informed decision that suits your needs and budget. This guide offers valuable information to help you find the best car insurance in Arizona.
Arizona’s Car Insurance Companies With the Best Customer Ratings
By considering customer satisfaction rankings and J.D. Power Power Circle Ratings™, you can make an informed decision when choosing a car insurance provider. How do customer satisfaction ratings affect car insurance companies as these factors will help you find a company that offers competitive rates and excellent service.
J.D. Power Car Insurance Customer Satisfaction Score by Provider
| Insurance Company | Points (out of 1,000) |
|---|---|
| Allstate | 815 |
| American Family | 819 |
| CSAA | 839 |
| Farmers | 797 |
| Geico | 798 |
| Liberty Mutual | 811 |
| Nationwide | 805 |
| Progressive | 812 |
| Safeco | 792 |
| State Farm | 829 |
| The Hartford | 838 |
| Travelers | 809 |
| USAA | 887 |
By considering customer satisfaction rankings and J.D. Power Power Circle Ratings™, you can make an informed decision when choosing a car insurance provider. These factors will help you find a company that offers competitive rates and excellent service.
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Arizona’s Car Insurance Companies With the Most Customer Complaints
A bad review and complaint every now and again is par for the course for any business. But when there are multiple bad reviews and complaints, the time has come to start paying attention. Here are the companies in Arizona with the most customer complaints:
Total Complaints From the Top Arizona Car Insurance Providers in 2023
| Insurance Company | Total Complaints |
|---|---|
| Allstate | 163 |
| American Family | 73 |
| CSAA | 6 |
| Farmers | 0 |
| Liberty Mutual | 222 |
| Progressive | 120 |
| State Farm | 73 |
| The Hartford | 9 |
| USAA | 296 |
Sometimes complaints are balanced by overall car insurance company customer satisfaction ratings. Be sure to account for all factors as you’re shopping around.
Comparing Arizona Car Insurance Rates: The Impact of Commute Distance
For companies such as Farmers and Allstate, and most other companies on this list, the cost is the same no matter the length of the commute. However, commute times are just one of the factors that can affect your rates. How much does mileage affect car insurance rates is another important consideration.
Arizona Car Insurance Monthly Rates by Commute & Provider
| Insurance Company | 10-Mile Commute | 25-Mile Commute |
|---|---|---|
| Allstate | $408 | $408 |
| American Family | $343 | $349 |
| Farmers | $416 | $416 |
| Geico | $185 | $192 |
| Nationwide | $291 | $291 |
| Progressive | $298 | $298 |
| State Farm | $386 | $406 |
| Travelers | $257 | $257 |
| USAA | $254 | $260 |
Car insurance rates in Arizona differ based on commute distance. Providers like Geico and USAA offer competitive rates, while others like Allstate and Farmers have consistent rates regardless of distance. Use this information to choose the best provider for your needs.
Interestingly enough, State Farm does not offer a high level of coverage. The company that offers a high level of coverage at the most reasonable price is Geico.
Compare Arizona Car Insurance Rates by Credit History
Your credit score can work for you or against you when it comes to the cost of your car insurance in Arizona. Let’s see which companies have the best rates, no matter your credit history:
Arizona Car Insurance Monthly Rates by Credit Score & Provider
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| Allstate | $522 | $372 | $331 |
| American Family | $435 | $324 | $279 |
| Farmers | $474 | $397 | $378 |
| Geico | $259 | $170 | $137 |
| Nationwide | $350 | $279 | $244 |
| Progressive | $332 | $290 | $271 |
| State Farm | $728 | $282 | $177 |
| Travelers | $313 | $255 | $203 |
| USAA | $338 | $236 | $196 |
Looks like Geico wins out again, having the best rates no matter your credit history. Compare monthly car insurance rates to see how other companies measure up.
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Compare Arizona Car Insurance Rates by Driving Record
Much like credit history, your driving record can work for you or against you when it comes to the cost of your car insurance in Arizona. Take a look at how monthly rates differ based on your driving record.
Arizona Car Insurance Monthly Rates by Driving Record & Provider
| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| Allstate | $327 | $414 | $423 | $469 |
| American Family | $245 | $381 | $284 | $473 |
| Farmers | $352 | $454 | $417 | $443 |
| Geico | $146 | $198 | $146 | $264 |
| Nationwide | $246 | $259 | $276 | $384 |
| Progressive | $263 | $346 | $305 | $277 |
| State Farm | $360 | $432 | $396 | $396 |
| Travelers | $205 | $268 | $256 | $298 |
| USAA | $187 | $268 | $220 | $353 |
Geico’s rates are the same regardless of your record. USAA offers the lowest rates when it comes to having a clean driving record. Do all car insurance companies check your driving records as part of their rate assessment.
Arizona Car Insurance Providers by Market Share
| Rank | Market Share | Insurance Company |
|---|---|---|
| #1 | 16.87% | State Farm |
| #2 | 14.91% | Geico |
| #3 | 10.58% | Progressive |
| #4 | 8.10% | Farmers |
| #5 | 7.61% | Allstate |
| #6 | 7.47% | USAA |
| #7 | 5.76% | Liberty Mutual |
| #8 | 5.70% | American Family |
| #9 | 2.25% | The Hartford |
| #10 | 2.06% | CSAA |
In Arizona, the car insurance market is dominated by a few key players. Understanding the car insurance market value and market share of these companies can provide insight into their presence and influence in the state. Here’s a breakdown of the largest car insurance companies in Arizona by market share.
The car insurance market in Arizona is led by State Farm, Geico, and Progressive, with State Farm holding the largest market share. Whether you’re looking for the most popular providers or exploring alternatives, this information can guide you in choosing a car insurance company that fits your needs.
Arizona Car Insurance Cost by City
Explore the discrepancies in car insurance rates across metropolitan areas in Arizona. Quickly assess and compare rates in different cities using the table below to make informed decisions tailored to your location.
By comparing car insurance rates in different Arizona cities, you can find the best deals and ensure you’re getting the most cost-effective coverage. Use this information to make informed choices and secure the best policy for your needs.
Essential Arizona Auto Insurance Laws and Requirements
Arizona has several unique laws that new residents and visitors should be aware of. There is no uninsured motorist coverage unless you purchase additional liability protection, which could lead to financial issues if injured by an uninsured driver.
High-risk drivers in Arizona must file an SR-22 form with their insurance, and if they cannot find coverage through the free market, they can use the Arizona Automobile Insurance Plan. Knowing how do you file for SR-22 insurance is crucial for high-risk drivers to ensure they remain compliant with state laws.
For windshield repairs, insurers are only required to pay if you have optional “full glass” or “safety equipment coverage,” and they can use aftermarket parts if you agree. Additionally, Arizona’s statute of limitations laws set time limits for filing civil claims to ensure timely and relevant evidence.
Arizona Statute of Limitations
| Limitations | Years |
|---|---|
| Personal Injury | Two years |
| Property Damage | Two years |
Understanding Arizona’s specific auto insurance laws and requirements, including the two-year statute of limitations for personal injury and property damage claims, can help you stay informed and protected.
Automobile Insurance Fraud in Arizona
Arizona takes auto insurance fraud very seriously, with an entire division dedicated to it called the Arizona Department of Insurance Fraud Unit. Insurance fraud is divided into hard fraud and soft fraud.
Arizona and Insurance Fraud
| Insurance Fraud | Yes/No |
|---|---|
| Classified as a Crime | Yes |
| Immunity Statutes | Yes |
| Fraud Bureau | Yes |
| Mandatory Insurance Fraud Plan | No |
| Mandatory Auto Photo Inspection | No |
Hard fraud involves deliberately faking an accident, injury, theft, arson, or other loss to illegally collect money from insurance companies, often involving organized crime rings staging large schemes. Soft fraud occurs when normally honest people tell “little white lies” to their insurance company, thinking it’s harmless, but it is still a crime that raises everyone’s insurance costs.
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Arizona’s Vehicle Licensing Laws
To drive a car in Arizona, you must have a license and adhere to the state’s mandatory licensing laws. Penalties for driving without insurance increase with each offense:
Arizona Teen Driving Laws
| Laws | Requirements |
|---|---|
| To get a learners license you must: | Have a minimum age of 15 years, six months |
| Before getting a license or restricted license you must: | Have a mandatory holding period of six months Have a minimum supervised driving time of 30 hours, 10 of which must be at night (none with driver education) Have a minimum age of 16 |
| Nighttime restrictions midnight-5 a.m. secondary enforcement | Passenger restrictions (family members excepted unless otherwise noted) No more than one passenger younger than 18 (secondary enforcement) |
A first offense results in a fine of $500 or more and a three-month suspension of your license, registration, and license plate, while a second offense within 36 months leads to a fine of $750 or more and a six-month suspension. Arizona law mandates that every vehicle on the road must have liability insurance from an authorized company.
Teen driver restrictions are lifted after six months or at age 18. License renewal for those 65 and older occurs every five years and requires proof of vision, with no mail or online renewal permitted. New residents must register their cars and obtain insurance promptly, as previous state coverage levels may not meet Arizona’s requirements.
There is no statewide ban on handheld phones or texting, nor are there keep-right laws, but slower drivers are advised to keep right. Whether you’re new to Arizona or just visiting, it’s crucial to familiarize yourself with these rules.
Key Arizona Driving Laws and Safety Regulations
Arizona is an at-fault state, meaning you will be held liable for damages in an accident where you are at fault, so having a good liability policy is crucial. Arizona has strict impaired-driving laws, with 278 alcohol-related driving deaths in 2017 and a zero-tolerance policy for THC while driving. enforcement was previously up to individual cities.
Arizona DUI Laws
| Law | Details |
|---|---|
| BAC Limit | 0.08 |
| High BAC Limit | 0.15–0.2; 0.2+ |
| Criminal Status by Offense | First and second offense – Class 1 misdemeanor Third and subsequent offense – Class 4 felony |
| Formal Name for Offense | Driving Under the Influence (DUI) |
| Look Back Period/Washout Period | Seven years |
The state has no keep-right laws but advises slower drivers to keep right, and speed limits are 75 mph on rural interstates and 65 mph on other roads. Additionally, it is important to have liability car insurance to cover any potential damages or injuries you may cause while driving.
Arizona DUI Penalties
| Penalty Type | First Offense | Second Offense | Third and Subsequent Offenses |
|---|---|---|---|
| Revoked License | 30–60 days | One year | One year |
| Imprisonment | Minimum one to 10 days | Minimum 30–90 days | Minimum four months |
| Fine | $250 | $500 | $750 |
Child safety laws mandate restraints for children under eight or shorter than 57 inches, and ridesharing companies must carry at least $1 million in insurance coverage.
Arizona DUI Fatalities by County
| County | Fatalities |
|---|---|
| Apache | 14 |
| Cochise | 8 |
| Coconino | 18 |
| Gila | 9 |
| Graham | 2 |
| Greenlee | 1 |
| La Paz | 3 |
| Maricopa | 131 |
| Mohave | 14 |
| Navajo | 14 |
| Pima | 33 |
| Pinal | 14 |
| Santa Cruz | 1 |
| Yavapai | 9 |
| Yuma | 6 |
Arizona allows autonomous vehicles on the road with specific insurance requirements. Safety laws include strict DUI penalties, ranging from misdemeanors to felonies, depending on the offense, and a zero-tolerance law for marijuana. Distracted driving laws banning cellphone use took effect on January 1, 2021, though
Arizona Most Stolen Vehicle Model in 2023
| Vehicle Model | Year | Thefts |
|---|---|---|
| Honda Accord | 2016 | 1,072 |
| Honda Civic | 2017 | 1,016 |
| Chevrolet Pickup (Full Size) | 2018 | 850 |
| Ford Pickup (Full Size) | 2017 | 772 |
| Dodge Pickup (Full Size) | 2018 | 428 |
| Nissan Altima | 2019 | 269 |
| GMC Pickup (Full Size) | 2020 | 246 |
| Toyota Camry | 2021 | 210 |
| Jeep Cherokee/Grand Cherokee | 2022 | 207 |
| Nissan Sentra | 2023 | 200 |
The table lists the most stolen vehicles in Arizona. The 1997 Honda Accord leads with 1,072 thefts, followed by the 1998 Honda Civic with 1,016. Full-size pickups from Chevrolet, Ford, and Dodge are also frequent targets. Common ways cars are stolen include key cloning, relay attacks, and traditional theft techniques.
Newer models like the 2015 Nissan Altima and GMC Pickup appear as well. The list includes the 1999 Toyota Camry, 1994 Jeep Cherokee/Grand Cherokee, and 2014 Nissan Sentra. Understanding which vehicles are most frequently stolen can help you take preventive measures to protect your car and avoid becoming a victim of auto theft in Arizona.
Analyzing Traffic Fatalities in Arizona
To stay safe on the roads, it’s crucial to drive defensively and be aware of common issues in your state. In 2017, Arizona, known for having some of the worst drivers, recorded significant traffic fatalities. Phoenix had the highest numbers with 221 total fatalities and 88 pedestrian fatalities, resulting in a total fatality rate of 13.68 per 100,000 population.
Arizona Traffic Fatalities by City
| City | Total Killed | Pedestrians Killed | Population | Fatality Rate per 100k | Pedestrian Fatality Rate per 100k |
|---|---|---|---|---|---|
| Chandler | 17 | 3 | 247,477 | 6.87 | 1.21 |
| Gilbert | 9 | 0 | 237,133 | 3.8 | 0 |
| Glendale | 32 | 7 | 245,895 | 13.01 | 2.85 |
| Mesa | 45 | 10 | 484,587 | 9.29 | 2.06 |
| Peoria | 12 | 2 | 164,173 | 7.31 | 1.22 |
| Phoenix | 221 | 88 | 1,615,017 | 13.68 | 5.45 |
| Scottsdale | 16 | 6 | 246,645 | 6.49 | 2.43 |
| Tempe | 24 | 3 | 182,498 | 13.15 | 1.64 |
| Tucson | 59 | 16 | 530,706 | 11.12 | 3.01 |
Other cities like Chandler, Gilbert, Glendale, Mesa, Peoria, Scottsdale, Tempe, and Tucson reported various fatality rates, with Gilbert having the lowest pedestrian fatalities at zero. The state saw nearly equal fatalities in rural (352) and urban areas (347). Defensive driver car insurance discounts can encourage safer driving practices.
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Breakdown of Traffic Fatalities by Person Type
The table presents the number of fatalities by person type, highlighting the different categories of traffic-related deaths. There were a total of 1,000 traffic fatalities, with 490 passenger vehicle occupant fatalities across all seat positions.
Risky & Harmful Behavior in Arizona
| Person Type | Number of Fatalities |
|---|---|
| Traffic Fatalities | 1,000 |
| Passenger Vehicle Occupant Fatalities (All Seat Positions) | 490 |
| Pedestrian Fatalities | 216 |
| Motorcyclist Fatalities | 163 |
| Bicyclist and Other Cyclist Fatalities | 32 |
Pedestrian fatalities accounted for 216 deaths, motorcyclist fatalities numbered 163, and there were 32 fatalities involving bicyclists and other cyclists. This data highlights why Arizona is among the most dangerous states for pedestrians.
Pima County showed an increase from 96 fatalities in 2013 to 114 in 2017. Other counties, such as Apache, Coconino, and Mohave, exhibited fluctuating fatality numbers over the years. Gila and Yuma counties generally had lower fatality counts, with Gila ranging from 17 to 31 and Yuma from 16 to 33 over the five-year period.
Fatalities in Crashes Involving Speeding by County
The table presents the number of traffic fatalities by county, with Maricopa County recording the highest at 128 fatalities. Pima County follows with 36 fatalities, while Navajo and Pinal counties each report 21 fatalities. Yavapai County has 25 fatalities, and Mohave County reports 17 fatalities.
Arizona Traffic Fatalities by County
| County | Fatalities |
|---|---|
| Apache | 6 |
| Cochise | 4 |
| Coconino | 10 |
| Gila | 8 |
| Graham | 4 |
| Greenlee | 0 |
| La Paz | 8 |
| Maricopa | 128 |
| Mohave | 17 |
| Navajo | 21 |
| Pima | 36 |
| Pinal | 21 |
| Santa Cruz | 2 |
| Yavapai | 25 |
| Yuma | 9 |
Coconino County has 10 fatalities, Yuma County 9, La Paz and Gila counties 8 each, Cochise and Graham counties 4 each, Apache County 6, Santa Cruz 2, and Greenlee County none. Understanding car accidents helps highlight these statistics and their implications.
Arizona DUI Fatalities by County
| County | Fatalities |
|---|---|
| Apache | 14 |
| Cochise | 8 |
| Coconino | 18 |
| Gila | 9 |
| Graham | 2 |
| Greenlee | 1 |
| La Paz | 3 |
| Maricopa | 131 |
| Mohave | 14 |
| Navajo | 14 |
| Pima | 33 |
| Pinal | 14 |
| Santa Cruz | 1 |
| Yavapai | 9 |
| Yuma | 6 |
The table displays the number of traffic fatalities by county, with Maricopa County experiencing the highest number at 131 fatalities. Pima County follows with 33 fatalities. Coconino County reports 18 fatalities, while Apache, Mohave, Navajo, and Pinal counties each have 14 fatalities.
Gila and Yavapai counties both report 9 fatalities, and Cochise County has 8 fatalities. Yuma County records 6 fatalities, La Paz has 3, Graham reports 2, and both Greenlee and Santa Cruz counties each have 1 fatality. Most dangerous states for drunk driving highlights these statistics and their implications.
Arizona Drunk Driving Statistics
| Data | Details |
|---|---|
| Alcohol-Impaired Driving Fatalities Per one million people | 1.6 |
| Higher/Lower Than National Average (1.2) | Higher |
| DUI Arrests (Under 18 years old) | 211 |
| DUI Arrests (Under 18 years old) Total per Million People | 129.33 |
Teenage drunk driving is a serious problem in a lot of states and one that each parent must take seriously. The table highlights the severity of teenage drunk driving, noting that alcohol-impaired driving fatalities among teens are 1.6 per million people, which is higher than the national average of 1.2.
There were 211 DUI arrests of individuals under 18, equating to 129.33 arrests per million people. Teen driver car insurance rates can be significantly impacted by these statistics, emphasizing the importance of safe driving habits.
Arizona EMS Response Times: Rural vs Urban
| Time of Crash to Notification | Arrival | Arrival at Scene to Hospital | Time of Crash to Hospital |
|---|---|---|---|
| 4 minutes | 17 minutes, 14 seconds | 57 minutes | 72 minutes |
The table compares the response and transport times for rural and urban crashes. In rural areas, the time from crash to notification is 4 minutes, with an arrival time of 17 minutes and 14 seconds, and it takes 57 minutes from arrival at the scene to the hospital, totaling 72 minutes from crash to hospital.
In urban areas, the notification time is quicker at 2 minutes, arrival time is 6 minutes, and the time from scene to hospital is 24 minutes, totaling 30 minutes from crash to hospital. Car insurance by coverage type can influence the speed and quality of response in such scenarios. This highlights the significant disparity in emergency response and transport times between rural and urban areas.
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Arizona Commute: Solo Drives and Two-Car Households
If you live in Arizona, you likely live in a two-car household, drive alone to work, and have a commute of 27.3 minutes, surpassing the national average of 25.7 minutes. With 76.5 percent of the population driving alone, Arizona’s carbon emissions highlight the need for eco-friendly car insurance options.
Most households, 40.7 percent, own two cars, aligning with the national average of 40.3 percent. Additionally, 76 percent of Arizonians drive alone to work, 11 percent carpool, and 6.76 percent work from home, with some facing a “super commute” of over 90 minutes.
Top Five Cities for Traffic Congestion
If you don’t like traffic, you might want to avoid living in Phoenix. In 2017, a study found Phoenix to be the 15th highest city in the nation for traffic congestion and in the top 100 list of worst traffic cities n 2017, sitting at number 96.
But if traffic violations don’t bother you, there are plenty of reasons to live in Phoenix — both as a travel and living destination.
Case Studies: Securing Affordable Car Insurance in Arizona
Explore how top car insurers provide tailored solutions for various drivers. We present three case studies demonstrating the advantages of choosing the right insurance partner, from affordability to customer satisfaction.
- Case Study #1 – Maximizing Savings: Alex, a 26-year-old professional in Phoenix, chose Geico for its unmatched rates starting at $25 monthly. With Geico’s exceptional customer service and affordable coverage, Alex found a policy that fit his budget without sacrificing quality. The ease of managing his policy online and the reliable support gave Alex peace of mind on the road.
- Case Study #2 – Supporting Military Families: The Thompsons, a military family in Tucson, chose USAA for its stellar customer service and specialized military benefits. USAA’s competitive rates and comprehensive car insurance options provided the security and support they needed, making it the perfect choice for their circumstances.
- Case Study #3 – Ensuring Family Safety: The Rodriguez family, residing in Flagstaff, chose State Farm for its excellent customer satisfaction ratings and wide range of coverage options. With two teenage drivers, State Farm’s discounts for good grades and multiple vehicles offered the Rodriguez family substantial savings while ensuring comprehensive protection for every family member.
These case studies illustrate how selecting the right car insurance provider can lead to significant savings and peace of mind.
Geico stands out with a 95% customer satisfaction rating, offering unbeatable affordability and top-notch service for Arizona drivers.
Brad Larson Licensed Insurance Agent
By evaluating individual needs and comparing top insurers, drivers can find the best coverage tailored to their unique situations.
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Finding Affordable Car Insurance in Arizona: A Comprehensive Guide
This highlights the top providers of the cheapest car insurance rates in Arizona, focusing on affordability, customer satisfaction, and comprehensive coverage options.
It encourages drivers to compare quotes to find the best insurance for their needs and budget, analyzing factors like driving records, credit history, and commute distances. It emphasizes informed decision-making for securing cost-effective car insurance.
Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
Frequently Asked Questions
How much should car insurance cost in AZ?
In Arizona, the average cost for state minimum car insurance is about $65 per month, while a full coverage policy averages around $81 per month.
To broaden your understanding, explore our comprehensive resource on insurance coverage titled “Compare Monthly Car Insurance” for valuable insights.
What is the minimum car insurance for Arizona?
Minimum levels of financial responsibility are: $25,000 bodily injury liability for one person and $50,000 for two or more persons. $15,000 property damage liability.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
What is the cheapest form of car insurance?
The cheapest type of car insurance is liability insurance, with an average cost of $780 per year.
For a comprehensive analysis, refer to our detailed guide titled “Minimum Car Insurance Requirements by State” for complete insights.
Who typically has the cheapest insurance?
The best and cheapest car insurance State Farm is the cheapest national car insurance company, at $50 per month for liability-only coverage. American Family and Geico also have affordable quotes, averaging $61 per month. USAA has the cheapest rates overall, charging $26 per month.
Can I have out of state car insurance in Arizona?
No. All vehicles registered in Arizona must be insured by a company licensed to do business in this state.
What is full coverage car insurance in AZ?
Sometimes, a complete package of car insurance is called “full coverage,” but what does that mean in Arizona? Here’s the word from our lawyers. Full coverage is a shorthand for a combination of liability, collision, and comprehensive insurance.
For detailed information, refer to our comprehensive report titled “Compare Car Insurance by Coverage Type” for full details.
What is full coverage insurance in AZ?
If you have an accident and are at fault, this policy covers the costs of both you and the other party. Full coverage includes numerous options, such as rental reimbursement, additional medical coverage, life insurance, towing fees, and uninsured/underinsured motorist..
Is it cheaper to register a car in Arizona or California?
Arizona is the cheapest state to register a car in, with a base registration fee of $8.
Ready to find affordable car insurance? Use our free comparison tool below to get started.
What age is insurance cheapest?
Age and car insurance As a general rule of thumb, you can expect to pay the most for your car insurance when you’re under 25. Once people are over 25, they tend to find that the cost of their car insurance starts to fall. The price usually declines gradually between the ages of 25 and 60.
What are the insurance laws in Arizona?
Arizona law requires all drivers to carry a minimum level of liability coverage. Every driver has to carry at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $15,000 in property damage liability coverage per accident.
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