The Cheapest Car Insurance in Arizona for June 2024
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Auto insurance is an important purchase, but finding cheap car insurance in Arizona isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Arizona is QBE at $1,167 per year on average, or $97 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Arizona. Meanwhile, the average cost of full coverage car insurance in Arizona is $2,085 per year, or about $174 per month.
Did your rates go up? Auto insurance prices are on the rise in Arizona. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Arizona is $636 per year on average, but we found you can likely get a cheaper policy. For example, QBE offers the cheapest rates in Arizona at $392 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.If you're looking for affordable car insurance in your city, check out NerdWallet's analysis of some of the largest Arizona cities, including:
How we chose the cheapest companies in Arizona
NerdWallet’s editorial team analyzed car insurance rates from 21 auto insurers in Arizona and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Arizona. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Arizona for 20-year-olds
Drivers in Arizona with clean driving records may want to consider the following companies, which had the lowest average rates:
- QBE: $1,851 per year, or about $154 per month.
- Root: $2,028 per year, or about $169 per month.
- Farm Bureau Financial Services: $2,482 per year, or about $207 per month.
- Travelers: $2,489 per year, or about $207 per month.
- Geico: $2,864 per year, or about $239 per month.
Cheapest minimum coverage car insurance in Arizona for 20-year-olds
Drivers in Arizona who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- QBE: $582 per year, or about $49 per month.
- Travelers: $753 per year, or about $63 per month.
- Root: $819 per year, or about $68 per month.
- Farm Bureau Financial Services: $864 per year, or about $72 per month.
- Auto-Owners: $949 per year, or about $79 per month.
Cheapest auto insurance in Arizona for 20-year-olds with poor credit
Drivers with poor credit in Arizona should look at the following insurers with the lowest average rates for minimum coverage:
- Root: $1,026 per year, or about $86 per month.
- Travelers: $1,060 per year, or about $88 per month.
- QBE: $1,121 per year, or about $93 per month.
- Farm Bureau Financial Services: $1,360 per year, or about $113 per month.
- Geico: $1,412 per year, or about $118 per month.
Cheapest auto insurance in Arizona for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
- QBE: $816 per year, or about $68 per month.
- Root: $896 per year, or about $75 per month.
- Travelers: $901 per year, or about $75 per month.
- Farm Bureau Financial Services: $1,045 per year, or about $87 per month.
- Geico: $1,098 per year, or about $91 per month.
Cheapest auto insurance in Arizona for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Arizona, here are the companies with the lowest average rates for minimum coverage:
- QBE: $816 per year, or about $68 per month.
- Root: $932 per year, or about $78 per month.
- Travelers: $946 per year, or about $79 per month.
- Geico: $1,354 per year, or about $113 per month.
- Progressive: $1,394 per year, or about $116 per month.
Cheapest auto insurance in Arizona for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Root: $879 per year, or about $73 per month.
- Travelers: $1,063 per year, or about $89 per month.
- QBE: $1,117 per year, or about $93 per month.
- Progressive: $1,235 per year, or about $103 per month.
- Country Financial: $1,647 per year, or about $137 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Arizona for 30-year-olds
Drivers in Arizona who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- QBE: $1,158 per year, or about $97 per month.
- Root: $1,287 per year, or about $107 per month.
- Farm Bureau Financial Services: $1,453 per year, or about $121 per month.
- Travelers: $1,513 per year, or about $126 per month.
- Auto-Owners: $1,558 per year, or about $130 per month.
Cheapest minimum coverage car insurance in Arizona for 30-year-olds
Drivers in Arizona who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- QBE: $371 per year, or about $31 per month.
- Auto-Owners: $420 per year, or about $35 per month.
- Farm Bureau Financial Services: $454 per year, or about $38 per month.
- Travelers: $484 per year, or about $40 per month.
- State Farm: $516 per year, or about $43 per month.
Cheapest auto insurance in Arizona for 30-year-olds with poor credit
Drivers with poor credit in Arizona should consider the following companies with the lowest average rates for full coverage:
- Root: $1,637 per year, or about $136 per month.
- QBE: $1,993 per year, or about $166 per month.
- Geico: $2,126 per year, or about $177 per month.
- Travelers: $2,307 per year, or about $192 per month.
- Farm Bureau Financial Services: $2,489 per year, or about $207 per month.
Cheapest auto insurance in Arizona for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
- Geico: $546 per year, or about $46 per month.
- Farm Bureau Financial Services: $552 per year, or about $46 per month.
- Travelers: $567 per year, or about $47 per month.
- QBE: $569 per year, or about $47 per month.
- State Farm: $585 per year, or about $49 per month.
Cheapest auto insurance in Arizona for 30-year-old drivers with one at-fault crash
For drivers in Arizona with a recent accident, here are the lowest average rate options for full coverage:
- QBE: $1,661 per year, or about $138 per month.
- Root: $1,698 per year, or about $142 per month.
- Travelers: $1,974 per year, or about $165 per month.
- Auto-Owners: $2,154 per year, or about $180 per month.
- Farm Bureau Financial Services: $2,437 per year, or about $203 per month.
Cheapest auto insurance in Arizona for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- Root: $1,398 per year, or about $117 per month.
- Progressive: $1,841 per year, or about $153 per month.
- Travelers: $2,140 per year, or about $178 per month.
- QBE: $2,369 per year, or about $197 per month.
- Auto-Owners: $2,749 per year, or about $229 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Arizona for 40-year-olds
Drivers in Arizona with clean driving records may want to think about the following companies, which had the lowest average rates:
- QBE: $1,187 per year, or about $99 per month.
- Geico: $1,251 per year, or about $104 per month.
- Root: $1,320 per year, or about $110 per month.
- Travelers: $1,350 per year, or about $113 per month.
- Farm Bureau Financial Services: $1,415 per year, or about $118 per month.
Cheapest minimum coverage car insurance in Arizona for 40-year-olds
Drivers in Arizona who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- Geico: $362 per year, or about $30 per month.
- Auto-Owners: $389 per year, or about $32 per month.
- QBE: $397 per year, or about $33 per month.
- Farm Bureau Financial Services: $442 per year, or about $37 per month.
- Travelers: $443 per year, or about $37 per month.
Cheapest auto insurance in Arizona for 40-year-olds with poor credit
Drivers with poor credit in Arizona can check out the following insurers with the lowest average rates for full coverage:
- Geico: $1,604 per year, or about $134 per month.
- Root: $1,683 per year, or about $140 per month.
- QBE: $1,923 per year, or about $160 per month.
- Travelers: $2,077 per year, or about $173 per month.
- Progressive: $2,384 per year, or about $199 per month.
Cheapest auto insurance in Arizona for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
- Geico: $396 per year, or about $33 per month.
- Farm Bureau Financial Services: $538 per year, or about $45 per month.
- Travelers: $548 per year, or about $46 per month.
- State Farm: $592 per year, or about $49 per month.
- Root: $595 per year, or about $50 per month.
Cheapest auto insurance in Arizona for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Arizona, here are the companies with the lowest average rates for full coverage:
- Root: $1,751 per year, or about $146 per month.
- QBE: $1,776 per year, or about $148 per month.
- Travelers: $1,865 per year, or about $155 per month.
- Auto-Owners: $2,042 per year, or about $170 per month.
- Farm Bureau Financial Services: $2,374 per year, or about $198 per month.
Cheapest auto insurance in Arizona for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- Root: $1,433 per year, or about $119 per month.
- Progressive: $1,710 per year, or about $143 per month.
- Travelers: $2,023 per year, or about $169 per month.
- QBE: $2,517 per year, or about $210 per month.
- The Hartford: $2,526 per year, or about $211 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Arizona for 50-year-olds
Drivers in Arizona with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Geico: $1,192 per year, or about $99 per month.
- QBE: $1,224 per year, or about $102 per month.
- Progressive: $1,286 per year, or about $107 per month.
- Farm Bureau Financial Services: $1,293 per year, or about $108 per month.
- Root: $1,314 per year, or about $110 per month.
Cheapest minimum coverage car insurance in Arizona for 50-year-olds
Drivers in Arizona who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- Geico: $352 per year, or about $29 per month.
- Auto-Owners: $364 per year, or about $30 per month.
- Farm Bureau Financial Services: $392 per year, or about $33 per month.
- QBE: $413 per year, or about $34 per month.
- Travelers: $443 per year, or about $37 per month.
Cheapest auto insurance in Arizona for 50-year-olds with poor credit
Drivers with poor credit in Arizona can check with the following companies, which showed the lowest average rates for full coverage:
- Geico: $1,580 per year, or about $132 per month.
- Root: $1,671 per year, or about $139 per month.
- QBE: $1,941 per year, or about $162 per month.
- Travelers: $2,046 per year, or about $171 per month.
- Progressive: $2,119 per year, or about $177 per month.
Cheapest auto insurance in Arizona for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
- Geico: $391 per year, or about $33 per month.
- Farm Bureau Financial Services: $477 per year, or about $40 per month.
- Travelers: $548 per year, or about $46 per month.
- State Farm: $585 per year, or about $49 per month.
- Root: $587 per year, or about $49 per month.
Cheapest auto insurance in Arizona for 50-year-old drivers with one at-fault crash
For drivers living in Arizona with a recent accident, here are the insurers with the lowest average full coverage rates:
- Root: $1,738 per year, or about $145 per month.
- Travelers: $1,838 per year, or about $153 per month.
- Auto-Owners: $1,927 per year, or about $161 per month.
- QBE: $1,936 per year, or about $161 per month.
- The Hartford: $2,028 per year, or about $169 per month.
Cheapest auto insurance in Arizona for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- Root: $1,425 per year, or about $119 per month.
- Progressive: $1,557 per year, or about $130 per month.
- Travelers: $1,995 per year, or about $166 per month.
- The Hartford: $2,054 per year, or about $171 per month.
- Auto-Owners: $2,441 per year, or about $203 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Arizona for 60-year-olds
Drivers in Arizona with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- QBE: $1,199 per year, or about $100 per month.
- Geico: $1,204 per year, or about $100 per month.
- Progressive: $1,223 per year, or about $102 per month.
- Travelers: $1,229 per year, or about $102 per month.
- Farm Bureau Financial Services: $1,278 per year, or about $107 per month.
Cheapest minimum coverage car insurance in Arizona for 60-year-olds
Drivers in Arizona who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Auto-Owners: $353 per year, or about $29 per month.
- Geico: $358 per year, or about $30 per month.
- Farm Bureau Financial Services: $394 per year, or about $33 per month.
- Travelers: $426 per year, or about $35 per month.
- QBE: $437 per year, or about $36 per month.
Cheapest auto insurance in Arizona for 60-year-olds with poor credit
Drivers with poor credit in Arizona can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,587 per year, or about $132 per month.
- Root: $1,665 per year, or about $139 per month.
- QBE: $1,818 per year, or about $152 per month.
- Travelers: $1,927 per year, or about $161 per month.
- Progressive: $2,013 per year, or about $168 per month.
Cheapest auto insurance in Arizona for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
- Geico: $397 per year, or about $33 per month.
- Farm Bureau Financial Services: $479 per year, or about $40 per month.
- State Farm: $541 per year, or about $45 per month.
- Travelers: $548 per year, or about $46 per month.
- The Hartford: $584 per year, or about $49 per month.
Cheapest auto insurance in Arizona for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Arizona, here are the companies with the lowest average rates for full coverage:
- Root: $1,733 per year, or about $144 per month.
- Travelers: $1,781 per year, or about $148 per month.
- The Hartford: $1,884 per year, or about $157 per month.
- Auto-Owners: $1,888 per year, or about $157 per month.
- QBE: $1,934 per year, or about $161 per month.
Cheapest auto insurance in Arizona for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Root: $1,418 per year, or about $118 per month.
- Progressive: $1,492 per year, or about $124 per month.
- The Hartford: $1,910 per year, or about $159 per month.
- Travelers: $1,930 per year, or about $161 per month.
- Auto-Owners: $2,390 per year, or about $199 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Arizona for 70-year-olds
Drivers in Arizona with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- QBE: $1,248 per year, or about $104 per month.
- Geico: $1,330 per year, or about $111 per month.
- Progressive: $1,353 per year, or about $113 per month.
- Travelers: $1,365 per year, or about $114 per month.
- Farm Bureau Financial Services: $1,392 per year, or about $116 per month.
Cheapest minimum coverage car insurance in Arizona for 70-year-olds
Drivers in Arizona who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Geico: $412 per year, or about $34 per month.
- Auto-Owners: $441 per year, or about $37 per month.
- Farm Bureau Financial Services: $445 per year, or about $37 per month.
- Travelers: $485 per year, or about $40 per month.
- Progressive: $509 per year, or about $42 per month.
Cheapest auto insurance in Arizona for 70-year-olds with poor credit
Drivers with poor credit in Arizona can look at the following companies with the lowest average rates for full coverage:
- QBE: $1,836 per year, or about $153 per month.
- Root: $1,970 per year, or about $164 per month.
- Geico: $2,111 per year, or about $176 per month.
- Travelers: $2,200 per year, or about $183 per month.
- Progressive: $2,223 per year, or about $185 per month.
Cheapest auto insurance in Arizona for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Arizona, here are the companies with the lowest average rates for minimum coverage:
- Geico: $467 per year, or about $39 per month.
- Farm Bureau Financial Services: $543 per year, or about $45 per month.
- State Farm: $584 per year, or about $49 per month.
- Travelers: $643 per year, or about $54 per month.
- Progressive: $698 per year, or about $58 per month.
Cheapest auto insurance in Arizona for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Arizona, here are the companies with the lowest average rates for full coverage:
- Travelers: $2,023 per year, or about $169 per month.
- Root: $2,069 per year, or about $172 per month.
- QBE: $2,185 per year, or about $182 per month.
- Auto-Owners: $2,189 per year, or about $182 per month.
- The Hartford: $2,261 per year, or about $188 per month.
Cheapest auto insurance in Arizona for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Progressive: $1,648 per year, or about $137 per month.
- Root: $1,679 per year, or about $140 per month.
- Travelers: $2,199 per year, or about $183 per month.
- The Hartford: $2,266 per year, or about $189 per month.
- State Farm: $2,789 per year, or about $232 per month.
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 42 of the 70 driver profiles we examined.
Minimum required auto insurance in Arizona
Arizona drivers must carry liability insurance, which pays out if you’re at fault in a crash to help cover others’ property damage and injury treatment.
The minimum liability limits you must select to drive legally in Arizona are:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per accident.
$15,000 property damage liability per accident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Keep in mind, a severe accident could easily leave you owing more than, say, $15,000 in repairs to another driver’s car. In that case, the remaining amount would have to come out of your hard-earned savings. For that reason, experts recommend getting more than the bare minimum, as well as common optional features such as collision, comprehensive and uninsured motorist coverage.
Check out NerdWallet’s guide to state car insurance requirements for help understanding and improving your Arizona policy.
Alternative car insurance in Arizona
High-risk drivers who are denied coverage through the open market can seek car insurance through the Arizona Automobile Insurance Plan.
Try our handy car insurance comparison tool to view rates from top companies side by side and possibly save hundreds on your premium.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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