Cheap Car Insurance in Arizona (2024)

Auto-Owners offers the cheapest car insurance in Arizona, with liability-only rates as low as $47 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 30, 2024

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Cheapest recent rates in Arizona

Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $49/mo for full coverage in Arizona.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Arizona drivers pay, on average, $186 per month for a full-coverage policy and $92 for liability-only coverage, according to Insurify data. By comparison, the national average costs for full coverage and liability are $211 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 Auto-Owners, Mile Auto, or State Farm, the three 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 $227 for full coverage, and $117 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 $138 per month for full-coverage car insurance.

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.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners8.5$79$47Drivers with DUIs
Mile Auto7.5$84$50Teen drivers
State Farm9.3$98$58Customer service
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurance for a history of DUIs: Auto Owners

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo

If you have a DUI on record, you can expect to see your insurance rates skyrocket, as you become more of a liability to insurers. However, Auto-Owners provides competitive liability-only insurance rates to drivers with a DUI violation.

Pros
  • Low National Association of Insurance Commissioners (NAIC) complaint index

  • Variety of insurance product bundles available

Cons
  • Below-average J.D. Power customer satisfaction rating in Southwest region[1]

  • Must contact an independent agent to obtain a quote

Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified

They Cancelled Our Home Insurance

We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.

Martha - October 28, 2024
Verified

Good

The premiums keep increasing.

Lawrence - October 24, 2024
Verified

Honest Answers to Questions

Please refer to my answers to the previous questions.

Best insurance for teen drivers: Mile Auto

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo

New and young drivers tend to see lofty rates on their insurance policy. However, Mile Auto is a superior option for teen drivers looking for an affordable and flexible way to get coverage. Low-mileage teen drivers in Arizona may pay lower rates than their peers, depending on how much they drive. 

Pros
  • Offers the legal minimum coverage with the option to add additional coverage as needed

  • Doesn’t use telematics devices

Cons
  • No discounts or bundling available 

  • Exclusively sells pay-per-mile policies


Read more driver reviews of Mile Auto
Cookie - October 15, 2024
Verified

Excellent

Low mileage rate.

Tasha - October 10, 2024
Verified

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.

Thomas - October 8, 2024
Verified

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.

Best for customer service: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo

State Farm offers some of the lowest rates for Arizona drivers, and has a strong reputation for customer service excellence. The insurer earned the highest customer satisfaction and insurance shopping experience ratings from consumer insights agency J.D. Power in 2023. Widely available throughout the U.S., State Farm also has a below-average number of complaints in the National Association of Insurance Commissioners' Consumer Complaint Index.

Pros
  • Competitive prices for Arizona drivers

  • Offers rideshare insurance

Cons
  • Gap insurance not available

  • May not be the cheapest option for drivers with motor vehicle violations

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

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.[2] 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. However, 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 significantly reduce your costs.

  • Maintain a good credit score. 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.[3] Improving or maintaining a high credit score can keep your insurance expenses low.

Cheapest liability-only car insurance in Arizona: Auto-Owners

Liability-only car insurance only pays for the other driver’s expenses related to bodily injury and property damages if you cause an 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: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Auto-Owners$47
Mile Auto$50
State Farm$58
GEICO$60
USAA$65
Root$75
Sun Coast$77
Metromile$78
National General$84
Allstate$97
Safeco$100
Progressive$100
Travelers$101
Mercury$103
Direct Auto$105
Dairyland$107
COUNTRY Financial$114
Clearcover$115
American Family$115
The Hartford$117
Farmers$118
The General$119
GAINSCO$126
Bristol West$131
Nationwide$132
AssuranceAmerica$158
Liberty Mutual$159
Commonwealth Casualty$162
Hugo$167
Infinity$173
Foremost$215
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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 disaster.

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 illustrated full-coverage rates from top insurers in Arizona.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
Auto-Owners$79
Mile Auto$84
State Farm$98
GEICO$101
USAA$110
Root$129
Metromile$130
Safeco$153
Sun Coast$158
Allstate$163
Travelers$169
Mercury$176
Progressive$176
Clearcover$189
COUNTRY Financial$191
American Family$192
The Hartford$197
Farmers$198
National General$198
Infinity$214
Nationwide$232
Direct Auto$232
Liberty Mutual$256
Bristol West$256
Dairyland$261
AssuranceAmerica$263
The General$271
GAINSCO$294
Foremost$374
Commonwealth Casualty$391
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates in Arizona

Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $49/mo for full coverage in Arizona.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.[4]

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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

    “Arizona does have a high rate of uninsured drivers,” says Nicole Lamanes, insurance and marketing agent at Insurance Brokers of Arizona. “It’s important to carry uninsured/underinsured motorist coverage to help cover any injuries if a driver is involved in an accident with an uninsured motorist.”

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments insurance (MedPay)

    This coverage steps in if you need to pay for your or your passenger’s medical expenses from a vehicular accident but your health insurance doesn’t cover all the expenses.

Learn More: What is Full-Coverage Car Insurance?

Learn More: What is Full-Coverage Car Insurance?

Cheapest car insurance for drivers with an incident

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 record.

For example, a DUI conviction can stay on your record indefinitely in Arizona and result in a nearly 100% increase in car insurance premiums.[5] On average, Arizona drivers with a DUI pay $303 per month for a full-coverage car insurance policy.

Find Arizona Car Insurance

Liability policies start at $47/mo. in Arizona

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets usually stay on your record for three to five years and may result in an uptick in your insurance premiums. The following insurance companies offer the most affordable rates to drivers who have received speeding tickets. In Arizona, drivers with speeding infractions have average monthly rates of $260 for full coverage and $128 for liability-only coverage.

The following table shows average monthly rates from top insurers for Arizona drivers with speeding tickets on their motor vehicle records.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
Auto-Owners$61$103
Mile Auto$66$112
State Farm$74$125
GEICO$77$130
USAA$84$142
Root$103$178
Metromile$106$177
Sun Coast$108$221
National General$109$257
Allstate$125$210
Progressive$129$227
Travelers$131$220
Safeco$131$200
Direct Auto$135$299
Dairyland$138$337
Mercury$142$243
American Family$148$247
Clearcover$151$248
COUNTRY Financial$151$253
Farmers$151$254
The General$155$354
The Hartford$167$281
Bristol West$169$330
Nationwide$172$302
GAINSCO$176$410
AssuranceAmerica$206$343
Liberty Mutual$222$357
Commonwealth Casualty$226$546
Infinity$232$287
Foremost$300$522
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Any accident, even if you weren’t at fault, can cause your insurance rates to go up. However, at-fault accidents can certainly increase your insurance rates, depending on the accident’s severity.[6] If you have a good driving record with no recent at-fault accidents, you may be eligible to buy accident forgiveness. This optional coverage holds your car insurance premium steady following your first at-fault accident.

An at-fault accident pushes the average monthly rate for full coverage in Arizona to $266, while liability climbs to $131 per month. The table below lists auto insurers that offer the lowest monthly rates to Arizona drivers with at-fault accidents on their driving record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
Auto-Owners$63$106
Mile Auto$71$119
State Farm$77$131
GEICO$81$136
USAA$87$148
Root$108$185
Metromile$110$184
Sun Coast$110$226
National General$114$268
Allstate$130$219
Safeco$131$201
Progressive$136$239
Travelers$137$229
Dairyland$143$349
Direct Auto$144$318
Mercury$148$253
American Family$154$258
Farmers$158$265
COUNTRY Financial$159$267
GAINSCO$162$379
The General$163$370
Clearcover$166$273
The Hartford$173$292
Bristol West$175$342
Nationwide$179$315
AssuranceAmerica$211$351
Commonwealth Casualty$213$514
Infinity$229$283
Liberty Mutual$229$369
Foremost$310$538
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

A DUI conviction will almost always result in an insurance rate hike, and you will have to file an SR-22 certificate to drive legally. Insurance companies file SR-22s with the state on your behalf to verify you meet the state’s minimum coverages after certain violations, including DUIs.

Fortunately, the insurance companies below provide affordable coverage if you have a DUI conviction on your record. Here are their monthly rates for Arizona drivers with DUIs.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
Auto-Owners$77$130
Mile Auto$82$138
State Farm$95$161
GEICO$98$166
USAA$107$180
Root$123$212
Sun Coast$125$257
Metromile$128$213
National General$138$325
Mercury$154$264
Allstate$159$267
Safeco$164$251
Progressive$164$289
Travelers$166$277
Direct Auto$172$380
The Hartford$175$294
Dairyland$175$428
COUNTRY Financial$187$313
Clearcover$189$310
American Family$189$315
Farmers$193$325
The General$195$444
GAINSCO$207$482
Bristol West$215$420
Nationwide$216$380
AssuranceAmerica$259$431
Liberty Mutual$261$420
Commonwealth Casualty$266$641
Infinity$284$351
Foremost$353$613
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

If you’re a senior, you’ll likely benefit from lower rates than teen drivers. However, insurance premiums may start to rise in your 70s, as age-related conditions may create extra risk on the road.[7]

On average, Arizona seniors pay $138 per month for full coverage, and $68 for liability only. The following table shows monthly rates for senior drivers from top insurers in Arizona.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
Auto-Owners$35$59
Mile Auto$36$60
State Farm$43$72
GEICO$45$76
USAA$49$83
Sun Coast$57$117
Metromile$59$99
Root$59$102
National General$61$144
Progressive$67$119
Allstate$74$124
Travelers$75$125
Mercury$75$129
Direct Auto$78$171
The Hartford$78$131
Safeco$80$122
Dairyland$81$197
American Family$85$142
COUNTRY Financial$86$144
Farmers$87$146
Clearcover$91$149
The General$92$209
Nationwide$93$164
Bristol West$99$194
GAINSCO$100$234
AssuranceAmerica$113$188
Commonwealth Casualty$122$296
Infinity$124$154
Liberty Mutual$126$203
Foremost$162$281
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teen drivers may see higher rates than older drivers due to their lack of experience on the road, increasing the likelihood of an accident.[2] The cost of an insurance policy will start to wane once you turn 25. However, young drivers can lower their insurance rates in a few ways.

For instance, they can stay under their parents’ insurance policy, opt for a safe car, or take advantage of their insurer’s available savings, like a good student discount or by completing a defensive driver’s course discount. And minor teens can't legally buy their own car insurance policy without written consent from a parent or guardian.

Car insurance for teen drivers in Arizona costs a monthly average of $382 for full coverage and $189 for liability-only policies. The following table shows top insurers' rates for Arizona teens.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Liability Only
Full Coverage
Auto-Owners$87$146
GEICO$104$176
Mile Auto$105$176
State Farm$108$182
USAA$118$200
Root$125$214
Metromile$141$236
Sun Coast$158$324
National General$178$421
COUNTRY Financial$183$307
Allstate$186$313
Dairyland$192$468
Progressive$193$340
Travelers$198$331
Mercury$201$343
Direct Auto$207$458
The General$208$474
Safeco$215$329
American Family$217$363
Farmers$225$377
Clearcover$238$392
GAINSCO$239$558
The Hartford$241$406
Bristol West$242$472
Nationwide$248$436
Liberty Mutual$306$493
Commonwealth Casualty$308$744
AssuranceAmerica$315$525
Infinity$341$422
Foremost$415$722
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Arizona car insurance quotes by credit tier

Arizona allows insurance companies to check your credit history to assess your likelihood of filing a claim in the future and subsequently assess your rates. An excellent or good credit score means cheaper premiums, and a poor credit score could cause an increase in your rates.

Quotes by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. 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 $92 for liability-only coverage and $186 for full-coverage insurance per month, according to Insurify data. By comparison, the national averages are $104 and $211, respectively.

  • Who has the cheapest car insurance in Arizona?

    Auto-Owners offers the lowest car insurance rates in Arizona, with liability-only policies that start at $47 per month. Arizona drivers can also find cheap car insurance with the state's second- and third-cheapest insurers, Mile Auto and State Farm. Their monthly liability rates average $50 and $58, 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. However, 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, though, 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.[8]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "2023 U.S. Auto Insurance Study."
  2. III. "What determines the price of an auto insurance policy?."
  3. Arizona Department of Insurance: Consumer Protection Division. "How Insurance Companies Use Credit Information."
  4. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
  5. Arizona Department of Transportation. "Driving Under the Influence (DUI)."
  6. III. "Do auto insurance premiums go up after a claim?."
  7. III. "Senior driving safety and insurance tips."
  8. Nolo. "Arizona Car Insurance Requirements and Laws."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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