Cheap car insurance in Arizona | finder.com

Cheap car insurance in Arizona

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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.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support
Promoted

Compare Arizona car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.

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
$1,162
$1,864
$2,251
$2,625
$3,026

Cheap car insurance quotes in Phoenix

CompanyAverage annual rateLearn more
$1,285
$2,121
$2,251
$2,709
$2,939

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 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.

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.

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Frequently asked questions about car insurance in Arizona

Which car insurance provider is best for me?

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