The Cheapest Car Insurance in Arizona for February 2025
QBE offers the cheapest car insurance in Arizona, according to NerdWallet's analysis.
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QBE has the cheapest auto insurance in Arizona, with an average rate of $35 per month for liability coverage, according to NerdWallet's February 2025 analysis. QBE offers the cheapest full coverage car insurance in Arizona, with an average rate of $122 per month.
Your own rate may differ based on factors like your driving record, age and credit score. We generated more estimates in common categories to help you find the cheapest rate for you.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Who has the cheapest liability insurance in Arizona?
Here are the cheapest car insurance companies in Arizona for state minimum liability coverage, according to NerdWallet's February 2025 analysis. Rates below are for a 35-year-old driver with a good driving record.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| QBE | $417 | $35 |
| Geico | $494 | $41 |
| Auto-Owners | $574 | $48 |
| State Farm | $587 | $49 |
| Progressive | $610 | $51 |
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.
Who has the cheapest full coverage insurance in Arizona?
If you’re looking for more coverage, consider these companies. Here are the cheapest insurers for full coverage in Arizona, assuming a 35-year-old-driver with a good driving record. Rates are from NerdWallet's February 2025 analysis.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| QBE | $1,458 | $122 |
| Progressive | $1,629 | $136 |
| Geico | $1,933 | $161 |
| Auto-Owners | $2,042 | $170 |
| Root | $2,077 | $173 |
Cheapest car insurance in Arizona by driving record
Here's the cheapest full coverage car insurance in Arizona for 35-year-old drivers with different driving records, as of our February 2025 analysis.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | QBE | $1,458 |
| After a DUI | Progressive | $2,078 |
| After an accident | QBE | $2,196 |
| After a speeding ticket | Geico | $2,001 |
| Having poor credit | QBE | $2,388 |
Cheapest car insurance in Arizona for drivers with poor credit
In Arizona, many insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim. Your credit score is likely a good indicator of your credit-based insurance score.
In February 2025, NerdWallet found the companies offering the lowest liability car insurance rates for 35-year-old Arizona drivers with poor credit.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| QBE | $646 | $54 |
| Geico | $676 | $56 |
| Progressive | $888 | $74 |
| Travelers | $935 | $78 |
| Root | $968 | $81 |
The cheapest auto insurance in Arizona by city
If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for three of the largest Arizona cities:
- Mesa
Below are the cheapest insurers in Mesa for a 35-year-old driver as of our February 2025 analysis. To see the full list, read NerdWallet's analysis of car insurance in Mesa.
Category Cheapest company Median annual rate Clean driving history QBE $1,539 After a DUI Progressive $2,254 After an accident QBE $2,317 After a speeding ticket Geico $2,048 Having poor credit QBE $2,508 - Phoenix
Below are the cheapest insurers in Phoenix for a 35-year-old driver as of our February 2025 analysis. To see the full list, read NerdWallet's analysis of car insurance in Phoenix.
Category Cheapest company Median annual rate Clean driving history QBE $1,755 After a DUI Progressive $2,686 After an accident QBE $2,624 After a speeding ticket Geico $2,459 Having poor credit QBE $2,875 - Tucson
Below are the cheapest insurers in Tucson for a 35-year-old driver as of our February 2025 analysis. To see the full list, read NerdWallet's analysis of car insurance in Tucson.
Category Cheapest company Median annual rate Clean driving history Progressive $1,663 After a DUI Progressive $2,099 After an accident QBE $2,501 After a speeding ticket Geico $1,928 Having poor credit Geico $2,579
- Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Arizona where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Cheap auto insurance in Arizona by age
Skip ahead to see rates for:
Cheapest full coverage car insurance in Arizona for 20-year-olds
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.
Drivers in Arizona with clean driving records may want to consider the following companies, which had the lowest average rates as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| QBE | $2,355 | $196 |
| Progressive | $3,221 | $268 |
| Root | $3,267 | $272 |
| Geico | $3,331 | $278 |
| Farm Bureau Financial Services | $3,652 | $304 |
Cheapest liability 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 as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| QBE | $613 | $51 |
| Geico | $962 | $80 |
| Travelers | $1,085 | $90 |
| Progressive | $1,192 | $99 |
| Root | $1,225 | $102 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheapest full coverage car insurance in Arizona for 50-year-olds
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.
Drivers in Arizona with clean driving records may want to get quotes from these insurers, which had the lowest average rates as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $1,343 | $112 |
| QBE | $1,511 | $126 |
| Geico | $1,613 | $134 |
| The Hartford | $1,793 | $149 |
| Travelers | $1,865 | $155 |
Cheapest liability car insurance in Arizona for 50-year-olds
Drivers in Arizona who opt for the state minimum limits for liability coverage may want to consider the following companies, with the lowest average rates as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $419 | $35 |
| QBE | $443 | $37 |
| Auto-Owners | $527 | $44 |
| Progressive | $528 | $44 |
| Travelers | $590 | $49 |
Cheapest full coverage car insurance in Arizona for senior 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 savings to senior drivers who take a defensive driving course.
Senior drivers in Arizona with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-old drivers as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $1,346 | $112 |
| QBE | $1,547 | $129 |
| Geico | $1,843 | $154 |
| The Hartford | $1,908 | $159 |
| Travelers | $1,956 | $163 |
Cheapest liability car insurance in Arizona for senior drivers
Drivers in Arizona who want just the state minimum liability coverage may want to check with these insurers, which had the lowest average rates for 70-year-old drivers as of our February 2025 analysis:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $505 | $42 |
| Progressive | $561 | $47 |
| QBE | $570 | $48 |
| State Farm | $590 | $49 |
| Auto-Owners | $638 | $53 |
Cheapest car insurance for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company whose rates aren'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 58 of the 70 driver profiles we examined.
Minimum auto insurance limits required 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.
We nerd out on car insurance
NerdWallet’s editorial team takes pride in providing highly-researched resources that empower our readers to make informed decisions about their car insurance.
Here’s why you can trust NerdWallet:
We do our homework. All of our auto insurance content is diligently fact-checked before publication. Additionally, our editorial team regularly evaluates and reviews many of the auto insurance companies we write about. This means the star ratings you see on our company reviews remain up-to-date.
We analyze the data. NerdWallet updates our published car insurance rate averages once a month. To do that, we rigorously analyze more than 500 million auto insurance rates from across the country provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is solely editorial, and is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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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