Compare Cheap Auto Insurance in Arizona

On average, Travelers and USAA offer the cheapest full coverage auto insurance in Arizona. Travelers has an edge, with an average annual cost of $1,708 — about 36 percent cheaper than the statewide annual average of $2,676. USAA is also an affordable option for Arizona drivers, and customers rate this insurer more highly than Travelers.

Auto-Owners is the cheapest, on average, for minimum coverage. At $609 per year, its rates are well below the Arizona average and lower than the national average. Travelers and USAA also have rates below the Arizona average. Note that USAA is available only to military members, veterans and their families.

Travelers has the lowest average rates for drivers with a speeding ticket in Arizona, at $2,214 annually. State Farm ($2,353 annually), USAA ($2,409 annually) and Progressive ($2,473 annually) also have rates below the state average.

Arizona households with teen drivers will find the cheapest insurance with Travelers, at $5,362 annually, on average. USAA ($5,467 annually) and GEICO ($5,504 annually) are not far behind.

State Farm offers the lowest average rates in Arizona for drivers with an at-fault accident, at $2,208 per year. Travelers ($2,358 annually) and Progressive ($2,713 annually) also have rates well below the state average.

For drivers in Arizona with low credit, Travelers offers the cheapest insurance, with an average annual premium of $2,378. Progressive ($2,499 annually) and GEICO ($2,746) also have rates below the state average for drivers with low credit.

For Arizona drivers with a DUI, Travelers has the lowest average rate: $2,573, or 33 percent less than the statewide average. The average rates from Progressive ($3,030 annually) and Allstate ($3,228 annually) are also lower than the Arizona average.

When it comes to customer and claims satisfaction, USAA and CSAA Insurance Group (AAA) have some of the highest ratings in Arizona. While USAA is only available to military-affiliated drivers, CSAA offers comparable customer service ratings. Average rates for CSAA aren’t available, so it’s worth getting a quote to see if it’s competitive.

Nationwide also has strong satisfaction scores, so you can expect a good balance of value and service.

• Avoid traffic violations. Maintaining a clean driving record is one of the best ways to keep your insurance rates low. Insurance companies often offer rewards and discounts for drivers with clean records. DUIs and accidents are particularly costly in Arizona. If you do have a violation or claim but generally drive safely, consider enrolling in a telematics program.
• Bundle policies. Many insurers offer a significant discount when you buy multiple policies, also known as bundling. One of the most common bundles is for auto and home or renters insurance.
• Look for young-driver discounts. While teens and young adults pay some of the highest rates for insurance due to their lack of experience, many companies offer discounts for young and teen drivers to help offset the cost. If you have a young driver in your household, ask about discounts for taking a driver education course, maintaining good grades, or leaving the car at home while attending college.
• Improve your credit. In Arizona, low credit can increase your auto insurance premiums as much as a DUI can. Insurance companies often view low credit scores as an indicator of higher risk. Focus on paying bills on time, reducing outstanding debt, and monitoring your credit report for errors. While it may take time, these efforts can lead to lower insurance rates in the future.

The average cost of insurance in Arizona varies by city. With an average annual rate of $3,240, Phoenix is the most expensive Arizona city, on average, for auto insurance. Rates are more moderate in Tucson, Surprise, and Mesa, which come in below the state average.

Drivers in Arizona are required to purchase a minimum liability auto insurance to drive legally, with the following limits:

• Body injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $15,000 per accident⁴

Liability insurance pays for property damage and bodily injury you cause in an accident, but only for the other party. This ensures basic liability coverage for Arizona drivers. That said, it’s wise to increase your limits above the state required minimum and purchase additional coverages (like comprehensive and collision) to protect yourself financially in the event of an accident. If you financed or leased your car in Arizona, your lender will most likely require you to obtain a full coverage plan.

We analyzed average premiums in Arizona for full and minimum coverage for drivers with clean records and good credit. We also looked at different driver profiles, including drivers with speeding tickets, at-fault accidents, DUIs or low credit, as well as households with teen drivers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible