Cheapest Car Insurance in Arizona

Read on for the cheapest auto insurance companies in Arizona. Which offers the cheapest car insurance for you? The cheapest car insurance company depends on your demographics. Get car insurance quotes from multiple companies to find cheap auto insurance for you.

Coverage

• Minimum coverage (state car insurance requirements only): Travelers, $468
• Full coverage: State Farm, $1,128

Cheapest Auto Insurance Companies

• GEICO: $909
• Mercury: $1,194
• Progressive: $1,966
• State Farm: $1,661
• Travelers: $1,301
• USAA: $1,617

Driving Record

• Clean driving record: GEICO, $806
• Speeding ticket: State Farm, $1,459
• At-fault accident: State Farm, $1,674
• DUI conviction: Progressive, $1,452

Credit

• Good: $1,465
• Average: $1,803
• Poor: $2,214

• Allstate
• USAA
• State Farm
• Acceptance

Explore the many ways to lower your annual car insurance premiums below.

1. Enroll in a defensive driving course: Many companies offer savings to drivers who complete defensive driving courses.
2. Bundle your policies: You’ll get cheaper rates for your auto insurance if you bundle it with other types of policies, like life insurance. In Arizona, some companies like State Farm and Allstate offer many different types of insurance that you can bundle together to save on your premiums.
3. Raise your deductible: If you can afford to increase your deductible, you can reduce your overall cost of auto insurance.
4. Improve your credit: If you want lower auto insurance rates, prioritize improving your credit score by paying your bills on time, paying back your debt and outstanding payments, and disputing any credit errors you notice.

In Arizona, drivers must have the following minimum coverages:

• $25,000 in bodily injury liability insurance per person
• $50,000 in bodily injury liability insurance per accident
• $15,000 in property damage liability insurance

However, we recommend all drivers have more coverage than these minimum requirements because they only cover the expenses of the other party if you cause an accident. Consider adding the optional coverages to your policy for better protection.

• Comprehensive coverage: This type of policy pays for damage to your car after unforeseen events like theft, vandalism, or fire.
• Collision coverage: Collision coverage covers the costs of damage to your car after colliding with an object or another vehicle, regardless of who is at fault.
• Uninsured/underinsured motorist coverage: Uninsured motorist coverage pays for damage expenses after an accident with a driver who lacks any, or insufficient, insurance.
• Medical payments coverage: Medical payments coverage protects you and your passengers if you sustain injuries after an accident, no matter who is at fault.
• Gap insurance: Though Arizona law does not require drivers to have gap coverage, some people find it helpful to invest in. Gap insurance covers theft of your entire vehicle or damage from an accident, and it’s required for those who buy their cars using leases or loans, typically. Read about gap insurance in Arizona to decide whether this coverage is right for you.

Self-Insurance

If you own more than 10 vehicles in Arizona, you are eligible to apply for self-insurance.² You’ll have to pay the minimum collateral amount of $90,000 to certify you are financially capable of insuring your own cars.

Alternate Methods of Proof

As an alternate method of proof of insurance, Arizona drivers may submit a certification of a deposit or cash of $40,000 to the state treasurer.

• Mail:
  • Motor Vehicle Division (MVD) Inquiries
  • P.O. Box 2100, MD 555M
  • Phoenix, AZ 8500
• Phone: 602-255-0072
• URL: https://azdot.gov/contact

Recap

Generally speaking, car insurance in Arizona is slightly less expensive than the national average annual rate of $1,047. The yearly average cost of car insurance in Arizona is $1,042 as of 2020.³ However, certain factors lead to increased auto insurance rates. Among these factors include the state’s mandatory coverage amounts and its higher-than-average motor vehicle fatality rate of 16.2 deaths per 100,000 people, compared to the national average of 12.9 deaths per 100,000 people.⁴

Given these factors, you may want to consider the many ways you can save on your yearly premium, like with the plentiful discount opportunities Arizona insurance companies offer. Review our frequently asked questions below for more information on car insurance in Arizona.