Cheapest Auto Insurance in Arizona (2025)

Arizona drivers pay an average of $160 per month for a full-coverage policy and $94 for liability-only coverage, according to Insurify data. By comparison, the national average costs for full coverage and liability are $184 and $104, 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 National General, 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.

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

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.1 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.2 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.

Cheapest full-coverage car insurance quotes in Arizona: Mile Auto

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.

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.3

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 $94 per month, but the average is $187 per month for people with an incident.

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.