Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Compare car insurance in Arizona

Get the cheapest car insurance in Arizona for 2020

Updated

If you plan to drive in Arizona, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road. Shopping around may allow you to find insurance cheaper than Arizona’s average annual car insurance cost of around $1,300.

Arizona

Car insurance quick facts

15/30/10

Minimum liability requirements

$1,300

Average annual car insurance cost

Immediately

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Arizona car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
loading

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$829,42215.7%
State Farm$817,36315.5%
Progressive$632,44112.0%
USAA$420,5138.0%
Farmers$410,3797.8%
Allstate$400,7707.6%
American Family$302,0365.7%
Liberty Mutual$290,7195.5%
Hartford$107,2642.0%
AAA$104,5732.0%

Average cost of car insurance in Arizona

If you live in Arizona, you can expect to pay about the average cost nationwide. Your individual cost is likely to range between $1,000 and $1,300 annually, according to rates quoted for a single man between 30 and 35 years old.

While it’s likely your costs will fall within that average range, a whole host of factors could play into the equation, giving you a much higher or lower rate than what the average driver in Arizona pays.

Cheapest car insurance rates in Arizona

Cheap car insurance quotes in Arizona

CompanyAverage annual rateLearn more
$1,162Get a quote Read review
$1,864
$2,251
$2,625Get a quote Read review
$3,026Get a quote

Cheap car insurance quotes in Phoenix

CompanyAverage annual rateLearn more
$1,285Get a quote Read review
$2,121
$2,251
$2,709Get a quote Read review
$2,939Get a quote

Which city has the cheapest car insurance in Arizona?

Of Arizona’s largest cities, Yuma has the cheapest rates and Phoenix has the most expensive car insurance rates. Phoenix drivers could face rates 5 times more than Yuma drivers.

Car insurance quotes in Yuma

CompanyAnnual car insurance rate
Allstate$1806
Esurance$1425
Progressive$891
Mercury$1124
Geico$644

Car insurance quotes in Glendale

CompanyAnnual car insurance rate
Allstate$2589
Esurance$1731
Progressive$1165
Mercury$1526
Geico$844

Car insurance quotes in Chandler

CompanyAnnual car insurance rate
Allstate$2558
Esurance$1869
Progressive$1104
Mercury$1503
Geico$795

Car insurance quotes in Phoenix

CompanyAnnual car insurance rate
Allstate$2685
Esurance$1707
Progressive$1238
Mercury$1457
Geico$877

Car insurance quotes in Tucson

CompanyAnnual car insurance rate
Allstate$2302
Esurance$1510
Progressive$979
Mercury$1223
Geico$693

State minimum car insurance requirements in Arizona

State minimum requirements for car insurance vary by state. Nearly all states require registered drivers to carry specified minimum liability insurance. And if you’re financing or leasing your car, you could be required to buy additional collision and comprehensive coverage as part of your finance agreement.

You can’t legally drive in Arizona unless you carry liability insurance that includes at least:

  • $15,000 bodily injury liability coverage per person
  • $30,000 bodily injury liability coverage per accident
  • $10,000 property damage liability coverage per accident

When shopping for car insurance, you may see these liability limits written as 15/30/10.

A few states mandate that its drivers carry uninsured/underinsured (UM/UIM) motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by a car insurance policy. Arizona is not one of those states.

Car insurance for high-risk drivers in Arizona

Finding affordable coverage or getting denied for coverage because you’re considered a high-risk driver isn’t fun. With WAAIP, you can find options through the Western Association of Automobile Insurance Plans (WAAIP). You’ll be assigned an affordable provider through the WAAIP network of insurers. Any extra risk you pose to the insurance provider is spread across the network of companies.

Can I get SR-22 insurance in Arizona?

Yes, you can file for SR-22 insurance in Arizona. You may need an SR-22 form if you’ve been convicted of a severe moving violation, such as DUI/DWI or reckless driving, or if you’ve accumulated too many violation points on your drivers license in the past three years. An SR-22 form lets the state know that you’re carrying at least the minimum for auto liability insurance so you can legally drive again.

How to file an SR-22 in Florida

Bottom line

To drive in Arizona, you’ll need to purchase liability insurance or set up alternative means that can cost you at least $40,000. Research your car insurance options to find the cheapest coverage for your needs when driving in this sunny state.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about car insurance in Arizona

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site