Cheapest Auto Insurance in Arizona (2025)
Mile Auto offers the cheapest car insurance quotes in Arizona, with liability-only coverage as low as $64 per month.
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Arizona drivers pay an average of $156 per month for a full-coverage policy and $93 for liability-only coverage, according to Insurify data. By comparison, the national average costs for full coverage and liability are $177 and $100, respectively.
The state’s relatively low population density and low rate of traffic fatalities likely contribute to its lower car insurance rates. Arizona drivers may find even lower rates from Mile Auto, Auto-Owners, or Sun Coast, three of the cheapest car insurance companies in the state.
Comparing car insurance quotes from multiple companies can help ensure you find the best rates for your unique needs and driver profile.
Quick Facts
In Phoenix, the state’s most-populated city, drivers pay a monthly average of $194 for full coverage and $123 for liability-only coverage, Insurify data shows.
Arizona recorded 119,991 traffic accidents in 2022, and less than 1% were fatal, according to Arizona Department of Transportation data.
Senior drivers in Arizona pay an average of $131 per month for full-coverage car insurance.
3 of the cheapest car insurance companies in Arizona
The right car insurance for you will depend on your situation. Whether you’re looking for a company that offers the best rates for your teenager or an insurer that gives you the best bang for your buck on short-term car insurance, assessing your specific needs can aid you in your search for car insurance.
Here are the cheapest car insurance companies in Arizona.
Auto-Owners
Mile Auto
State Farm
Estimate your Arizona car insurance cost
Factors like your age, driving history, the type of vehicle you drive, and more affect your car insurance premium. Our car insurance calculator can help you get an idea of how much you might pay for car insurance compared to other drivers with similar rating factors.
How to get the cheapest car insurance in Arizona
Your age, gender, driving record, claim history, vehicle type, credit history, and location can influence your policy costs.[?] You may carry additional risk in one area, causing your insurance premiums to increase, but show low-risk characteristics in another.
Fortunately, you can reduce your costs without compromising coverage in the following ways:
Shop around. Researching insurers and comparing quotes from different companies can help you find an affordable policy that checks all your boxes.
Raise your deductible. A higher collision and comprehensive deductible usually means lower monthly premiums. But you want to ensure you can afford the deductible if you file a claim.
Look for discounts. Discounts exist for car safety features, bundling multiple insurance products such as home and auto, and even putting your policy on automatic payments. Stacking discounts can help you reduce your costs significantly.
Maintain good credit. Many states, including Arizona, allow insurance companies to use a policyholder’s credit history to generate a credit-based insurance score that helps determine premiums.[?] Improving or maintaining a high credit score can keep your insurance expenses low.
Low-cost car insurance in Arizona
Arizona doesn’t have a state program geared toward connecting low-income drivers with a cheaper car insurance policy. If you’re looking for a low-cost car insurance policy in Arizona, you should shop around for car insurance quotes from three to five insurance companies to ensure you’re always with the cheapest insurer in your area. Companies routinely revise their rates, and a company that gave you the best deal six months ago may not have the best deal for you today.
Cheapest liability-only car insurance quotes in Arizona: Mile Auto
Liability-only car insurance only pays for the other driver’s expenses related to bodily injury and property damages if you cause a car accident. Like most states, Arizona requires its drivers to have minimum liability coverage. While liability-only insurance is the most affordable option, it won’t cover your medical bills or vehicle repairs.
The table below shows the cheapest car insurance companies for liability-only coverage in Arizona.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| Mile Auto | $64 |
| Auto-Owners | $76 |
| Sun Coast | $85 |
| Mercury | $90 |
| National General | $90 |
| Dairyland | $92 |
| Progressive | $94 |
| State Farm | $94 |
| The General | $103 |
| USAA | $105 |
| Bristol West | $106 |
| Safeco | $108 |
| Direct Auto | $111 |
| Root | $113 |
| GEICO | $119 |
| GAINSCO | $131 |
| Clearcover | $134 |
| AssuranceAmerica | $135 |
| Commonwealth Casualty | $138 |
| Allstate | $157 |
| Hugo | $161 |
| Travelers | $162 |
| COUNTRY Financial | $183 |
| American Family | $184 |
| Liberty Mutual | $184 |
| The Hartford | $189 |
| Farmers | $190 |
| Nationwide | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Arizona: Auto-Owners
While liability-only insurance covers damages to other people and their property if you’re at fault in an accident, with a full-coverage policy, you get liability, collision, and comprehensive coverage. Collision coverage pays for your car repairs during an accident regardless of who’s at fault, while comprehensive coverage protects against non-collision events like theft and natural disasters.
If you have a loan or lease on your vehicle, live in a high-risk area, or use your car frequently, you may benefit from having full-coverage insurance. The table below illustrates full-coverage rates from top insurers in Arizona.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $105 |
| Mile Auto | $107 |
| State Farm | $129 |
| Sun Coast | $145 |
| USAA | $145 |
| Safeco | $151 |
| GEICO | $159 |
| Mercury | $161 |
| Progressive | $165 |
| Root | $170 |
| Clearcover | $190 |
| National General | $198 |
| Bristol West | $204 |
| The General | $211 |
| Allstate | $215 |
| Liberty Mutual | $222 |
| Travelers | $223 |
| Direct Auto | $226 |
| COUNTRY Financial | $252 |
| American Family | $253 |
| The Hartford | $260 |
| AssuranceAmerica | $261 |
| Farmers | $262 |
| Dairyland | $273 |
| Nationwide | $292 |
| GAINSCO | $295 |
| Commonwealth Casualty | $327 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age affects how much you pay for car insurance. Teenagers and other young drivers pay the highest average car insurance premiums by age due to a lack of driving experience and higher chances of car accidents. Drivers between 35 and 70 typically have lower rates as they age, but senior drivers 70 and older tend to pay slightly higher rates due to aging-related risk factors.
Below, you can see the average monthly quotes for liability and full-coverage insurance for Arizona teen, adult, and senior drivers.
Age GroupAverage Quote: Liability OnlyAverage Quote: Full CoverageTeen drivers $202 $339 Adult drivers $92 $155 Senior drivers $78 $131
Car insurance requirements in Arizona
If you’re a driver in Arizona, it’s essential to know that the state follows the tort system, which holds the at-fault driver financially responsible for the damages and injuries resulting from the accident. Here are the minimum liability coverages that drivers in Arizona must carry.[?]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
While the state of Arizona doesn’t legally require the following insurance, consider these coverages to strengthen your policy:
Cheapest car insurance companies in Arizona by driving record
If you have driving incidents in Arizona, such as at-fault accidents, speeding tickets, DUIs, or other moving violations, you may see an increase in your insurance rates. Insurance companies may charge you more for coverage because they consider you a high-risk driver, and your likelihood of having another traffic violation is higher than someone with a clean driving record.
For example, the average cost of liability insurance for Arizona drivers with a clean record is $93 per month, but the average is $185 per month for people with an incident.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Avg. Quote With Speeding Ticket | Avg. Quote With At-Fault Accident | Avg. Quote With DUI/DWI |
|---|---|---|---|
| Mile Auto | $78 | $86 | $92 |
| Auto-Owners | $98 | $99 | $109 |
| Sun Coast | $108 | $113 | $119 |
| National General | $113 | $119 | $129 |
| Dairyland | $115 | $121 | $132 |
| State Farm | $118 | $123 | $135 |
| Progressive | $119 | $125 | $131 |
| Mercury | $126 | $133 | $135 |
| Bristol West | $133 | $139 | $152 |
| USAA | $135 | $139 | $151 |
| The General | $137 | $141 | $148 |
| Direct Auto | $140 | $151 | $159 |
| Safeco | $143 | $151 | $165 |
| Root | $150 | $147 | $161 |
| GEICO | $155 | $151 | $167 |
| GAINSCO | $158 | $168 | $188 |
| AssuranceAmerica | $160 | $179 | $194 |
| Commonwealth Casualty | $164 | $182 | $198 |
| Clearcover | $177 | $198 | $192 |
| Allstate | $202 | $207 | $225 |
| Travelers | $209 | $215 | $232 |
| Hugo | $221 | $216 | $231 |
| Liberty Mutual | $234 | $244 | $264 |
| American Family | $237 | $243 | $264 |
| Farmers | $242 | $250 | $273 |
| COUNTRY Financial | $248 | $246 | $263 |
| The Hartford | $261 | $255 | $278 |
| Nationwide | $274 | $282 | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance rates across Arizona cities
The city you live in affects your car insurance rate. This is because your city, down to the neighborhood you live in, affects the probability of you filing a claim. Check out the table below to have a closer look at the average car insurance quote across Arizona.
- CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Casa Grande $87 $157 Flagstaff $74 $121 Glendale $120 $193 Lake Havasu City $65 $102 Mesa $104 $162 Phoenix $123 $194 Scottsdale $99 $152 Tempe $105 $174 Tucson $91 $143 Yuma $77 $126 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Arizona car insurance FAQs
Check out Insurify’s guide on how to lower your car insurance rates to get cheaper insurance in Arizona. Here are answers to common questions about auto insurance in the state.
How much is car insurance in Arizona?
Car insurance in Arizona costs an average of $93 per month for liability-only coverage and $156 for full-coverage insurance, according to Insurify data. By comparison, the national averages are $100 and $177, respectively.
Which company has the cheapest car insurance in Arizona?
Mile Auto offers the lowest car insurance rates in Arizona, with liability-only policies that start at $64 per month. Arizona drivers can also find cheap car insurance with the state’s second- and third-cheapest insurers, Auto-Owners and Sun Coast. Their monthly liability rates average $76 and $85, respectively.
What are the best car insurance companies in Arizona?
Auto-Owners, GEICO, and State Farm are among the best car insurance companies in Arizona because they have high IQ Scores, low average rates, strong AM Best ratings, and solid J.D. Power customer satisfaction ratings.
Can you get no-deposit car insurance in Arizona?
Most insurers require at least the first month’s premium up front for your policy to go into effect. But you can look into coverage with Hugo, a pay-as-you-go car insurance company that lets you buy as little as three days of coverage at a time. Keep in mind that Hugo only offers state-minimum liability insurance, so if you need full-coverage car insurance or higher liability limits, Hugo won’t be an option for you.
Is Arizona a no-fault state?
No. Arizona is an at-fault state. Drivers at fault for accidents are responsible for paying for damages and injuries they cause to other parties, which the at-fault driver’s liability policy provides.[?]
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