Key Takeaways
- State Farm has the cheapest car insurance for most Arizona drivers.
- The average cost of full-coverage car insurance in Arizona is 21% higher than the national average.
- Arizona drivers with poor credit pay more than twice as much for car insurance as those with good credit.
In this article
Arizona’s minimum auto insurance requirements
Arizona requires drivers to have car insurance with at least 25/50/15 liability coverage, which includes the following:
| Coverage | Minimum required limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $15,000 |
| Source: Arizona Department of Insurance and Financial Institutions | |
If the costs of treating injuries or repairing damage you cause exceed your liability limits, you may have to tap into your savings or other assets to cover the shortfall. This is the main reason to consider liability limits that exceed the state’s minimum requirements.
Most Arizona car insurance companies also offer these optional coverages.
- Uninsured/underinsured motorist: Covers injuries you and/or your passengers suffer in an accident caused by a driver with no insurance or not enough insurance to cover your medical costs.
- Collision: Pays to repair damage to your vehicle from a collision with a vehicle or object, or if your car overturns.
- Comprehensive: Covers your vehicle for theft or damage from most non-collision causes, including flood, fire, vandalism and falling objects.
- Medical payments: Pays to treat injuries you and/or your passengers suffer in a car accident, regardless of fault.
Although collision and comprehensive are not required by law, they typically are required for a car loan or lease.
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Cheapest car insurance companies in Arizona
- Cheapest overall: State Farm
- Cheapest for drivers with bad credit: American Family
- Cheapest for military families: USAA
State Farm has the lowest average car insurance rates for a variety of Arizona drivers, including teens, seniors and those with a prior incident. State Farm’s rates for full-coverage car insurance are 28% cheaper than the state average.
American Family has the cheapest car insurance for drivers with bad credit, charging less than half the average rate available to drivers in this situation. American Family’s rates for other drivers are also below state averages.
USAA's rates for Arizonans with a clean driving record are lower than those available from most other insurance companies. However, USAA is only available to current and former members of the military and their families.
Since the rates auto insurance companies charge vary by customer, it’s best to compare quotes from multiple companies when you shop.
Cheapest minimum-coverage auto insurance in Arizona: State Farm
State Farm offers Arizona’s cheapest minimum-coverage auto insurance, which is sometimes called minimum-liability insurance.
State Farm’s minimum-coverage rates average $62 a month for a typical adult with a clean driving record. This amount is 37% less than the state average of $98 a month.
The average cost of minimum-coverage car insurance in Arizona is 21% higher than the national average of $81 a month.
Minimum-coverage car insurance covers injuries or property damage you cause to others in a car accident, but it does not cover your own injuries or damage to your own car.
| Company | Monthly rate |
|---|---|
| State Farm | $62 |
| Progressive | $88 |
| American Family | $96 |
| Allstate | $96 |
| State average | $98 |
| AAA | $105 |
| GEICO | $113 |
| The Hartford | $128 |
| Farmers | $137 |
| USAA* | $54 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest full-coverage car insurance in Arizona: State Farm
State Farm offers the cheapest full-coverage car insurance in Arizona, charging rates that average $123 a month.
Full-coverage car insurance includes higher liability limits than minimum coverage, along with collision and comprehensive coverage for your vehicle.
| Company | Monthly rate |
|---|---|
| State Farm | $123 |
| American Family | $150 |
| Progressive | $151 |
| State average | $171 |
| AAA | $178 |
| Allstate | $190 |
| GEICO | $191 |
| Hartford | $214 |
| Farmers | $232 |
| USAA* | $112 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for Arizona drivers with bad credit: American Family
American Family offers the cheapest car insurance in Arizona to drivers with bad credit, charging rates that average $226 a month for full coverage.
From an insurance company’s point of view, your credit is an indicator of how likely you are to get into an accident or file a claim for some other reason.
Claims cost insurance companies money. Insurance companies pass these costs along to customers in the form of higher rates for risky drivers, or those seen as most likely to have a claim.
The average cost of car insurance for a driver with poor credit in Arizona is $497 a month for full coverage. This is more than double the average rate available to drivers with good credit.
| Company | Monthly rate |
|---|---|
| American Family | $226 |
| Progressive | $238 |
| Allstate | $273 |
| GEICO | $289 |
| Farmers | $378 |
| The Hartford | $417 |
| State average | $497 |
| State Farm | $615 |
| AAA | $1,790 |
| USAA* | $249 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
The impact a prior ticket or accident may have on your car insurance rate depends largely on the severity of the incident. Minor incidents tend to cause smaller rate increases than major ones.
Most insurance companies have a three- to five-year look-back period for violations and accidents. However, severe violations such as DUI may impact your rates for up to seven years.
Cheapest car insurance for Arizona drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance for Arizona drivers with a speeding ticket, $131 a month, followed by American Family, $182 a month, and Progressive, $200 a month.
In Arizona, a speeding ticket raises the average price of car insurance by 31% to $224 a month for full coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $131 |
| American Family | $182 |
| Progressive | $200 |
| AAA | $224 |
| State average | $224 |
| GEICO | $232 |
| Allstate | $285 |
| The Hartford | $291 |
| Farmers | $325 |
| USAA* | $144 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for Arizona drivers with an at-fault accident: State Farm
State Farm has the cheapest car insurance rates for Arizona drivers with a prior at-fault accident, $143 a month, followed by Progressive, $227 a month.
A prior accident raises the average price of auto insurance in Arizona by 54% to $264 a month.
However, State Farm’s rate only goes up by 16% for drivers with an accident.
| Company | Monthly rate |
|---|---|
| State Farm | $143 |
| Progressive | $227 |
| State average | $264 |
| American Family | $279 |
| AAA | $280 |
| Allstate | $283 |
| GEICO | $309 |
| The Hartford | $339 |
| Farmers | $349 |
| USAA* | $164 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for Arizona drivers with a DUI: State Farm
Arizona drivers with a DUI can find the cheapest rates on full-coverage car insurance from State Farm, $143 a month, and Progressive, $180 a month.
A DUI raises the average price of car insurance in Arizona by 60% to $273 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $131 |
| Progressive | $180 |
| State average | $273 |
| American Family | $280 |
| AAA | $298 |
| Farmers | $314 |
| Allstate | $315 |
| The Hartford | $335 |
| GEICO | $341 |
| USAA* | $265 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for senior drivers: State Farm
State Farm offers the cheapest car insurance to seniors in Arizona, charging 65-year-olds an average of $114 a month for full coverage.
Progressive and American Family have the next-best rates, charging 65-year-olds nearly identical rates of $135 a month and $136 a month, respectively.
| Company | Monthly rate |
|---|---|
| State Farm | $114 |
| Progressive | $135 |
| American Family | $136 |
| AAA | $152 |
| State average | $163 |
| The Hartford | $179 |
| GEICO | $191 |
| Allstate | $204 |
| Farmers | $251 |
| USAA* | $108 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: State Farm
State Farm offers the cheapest car insurance to young drivers in Arizona, charging 18-year-olds $195 a month for minimum coverage and $388 a month for full coverage.
In Arizona, the average cost of minimum-coverage car insurance for an 18-year-old is $305 a month, which is more than triple the rate available to drivers in their mid-30s.
Teens have higher crash rates than other age groups, and this is the main reason why teens are charged such high rates for car insurance.
Teens typically get lower rates on car insurance when added to a parent’s policy than they do on their own.
Many companies offer discounts to teens who maintain a B average or better in school and/or complete an approved driver education program.
| Company | Minimum coverage (monthly) | Full coverage (monthly) |
|---|---|---|
| State Farm | $195 | $388 |
| Allstate | $244 | $542 |
| GEICO | $264 | $463 |
| AAA | $291 | $483 |
| The Hartford | $299 | $621 |
| State average | $305 | $569 |
| Progressive | $342 | $723 |
| American Family | $351 | $522 |
| Farmers | $605 | $1,043 |
| USAA* | $154 | $335 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers
State Farm offers the cheapest car insurance to married drivers, $123 a month, but Progressive’s rate of $127 a month is only slightly higher.
Insurance companies view married individuals as being less risky to insure than those who are single.
In Arizona, married drivers pay an average of 5% less for car insurance than unmarried drivers.
| Company | Monthly rate |
|---|---|
| State Farm | $123 |
| Progressive | $127 |
| American Family | $150 |
| State average | $162 |
| CSAA | $172 |
| Allstate | $182 |
| Hartford | $183 |
| GEICO | $193 |
| Farmers | $227 |
| USAA* | $99 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Find cheap car insurance in Arizona
Arizona car insurance laws
In Arizona, you are financially responsible for injuries and/or property damage you cause in a car accident, and the state’s insurance requirements apply to any vehicle driven on a public road, including a motorcycle, moped or golf cart.
Penalties for driving without insurance
The penalties for driving without insurance in Arizona include a possible suspension of your driver’s license and/or vehicle registration, reinstatement fees and SR-22 filing requirements.
The state uses an electronic verification system to monitor the insurance status of registered vehicles. If the system can’t find insurance records for your vehicle, it sends you a letter requesting proof of insurance, which you can submit online.
You can also be asked to provide proof of insurance by law enforcement during a traffic stop or if you are involved in an accident.
SR-22 insurance in Arizona
If you are convicted of certain driving offenses in Arizona, including driving without insurance and DUI, you typically need to file an SR-22 certificate to reinstate your driver’s license and/or registration.
An SR-22 is a form that your insurance company files with the state to confirm that you have auto insurance. If you don’t own a vehicle, you can obtain non-owners SR-22 insurance.
When you shop for SR-22 car insurance, it’s best to let the companies you contact for a quote know about your filing requirement.
Some companies don’t insure drivers with an SR-22 requirement. Many that do add a small filing fee to your rate, usually in the neighborhood of $20 to $40.
The exact price you pay for SR-22 insurance, in addition to the filing fee, depends largely on the offense that led to the filing requirement. If you are reinstating your license after a DUI, you can expect to pay more for auto insurance than you will if your SR-22 requirement stems from driving without insurance.
Arizona car insurance: FAQs
Arizona has at-fault accident laws. A driver who causes an accident is financially responsible for injuries and/or property damage to others. If you cause an accident, your liability costs may be reduced if the other driver is partially at fault.
State Farm has the cheapest car insurance for most drivers in Arizona, with minimum-coverage rates averaging $62 a month. Although USAA’s rates are cheaper for many driver profiles, USAA is only available to the military community.
In Arizona, you are required to have auto insurance that covers liability for injuries or property damage you may cause to others. The minimum limits required for bodily injury liability are $25,000 per person and $50,000 per accident, and you have to have at least $15,000 in property damage liability.
Auto insurance is more expensive in Arizona than it is in many other states. The average cost of minimum-coverage car insurance in Arizona is 21% higher than the national average. However, full-coverage auto insurance rates in Arizona are only 6% higher than the national average.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Arizona.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting Arizona’s 25/50/15 liability requirements.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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