Best cheap car insurance in Arizona for 2021 |

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Get the cheapest car insurance in Arizona for 2021


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Sunset over Cape Royal Arizona
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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Compare Arizona car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$817,36315.5%
American Family$302,0365.7%
Liberty Mutual$290,7195.5%

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
$2,251Get a quote Read review
$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
$2,251Get a quote Read review
$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

Car insurance quotes in Glendale

CompanyAnnual car insurance rate

Car insurance quotes in Chandler

CompanyAnnual car insurance rate

Car insurance quotes in Phoenix

CompanyAnnual car insurance rate

Car insurance quotes in Tucson

CompanyAnnual car insurance rate

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

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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.

Frequently asked questions about car insurance in Arizona

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