Low-cost car insurance in Arizona

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Drivers in Arizona can find the cheapest average premium with Travelers, at $1,707 per year. By comparison, the statewide average monthly cost is $194. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Arizona requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $15,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Arizona, depending on your situation.

Key Takeaways

Travelers has the cheapest average premium in Arizona, coming in at $1,707 per year – about $626 compared to the state average.
For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $2,429.
The 86403 ZIP code is the least expensive area in Arizona for car insurance, with an average yearly premium of $1,748.

Low-cost car insurance companies in Arizona

Travelers offers the lowest car insurance rates in Arizona, with an average annual premium of $1,707 per year. It’s $626 less expensive than the average car insurance cost in Arizona. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Travelers	$1,707
GEICO	$1,796
Progressive	$2,114
Auto-Owners	$2,258
Nationwide	$2,636
Allstate	$2,846
Farmers	$2,865
State Farm	$2,883
CSAA Insurance (AAA)	$4,965
USAA*	$1,880

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Arizona

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Arizona

In Arizona, drivers living in the 86403 ZIP code enjoy the lowest average annual premium at $1,748. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
86403	Lake Havasu City	$1,748
86404	Lake Havasu City	$1,781
86406	Lake Havasu City	$1,802
86409	New Kingman-Butler	$1,844
86436	Topock	$1,853
86431	Chloride	$1,860
85360	Wikieup	$1,865
86438	Yucca	$1,865
86401	Kingman	$1,870
86429	Bullhead City	$1,874

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Arizona by city

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Low-cost car insurance in Arizona by age

Teen drivers in Arizona pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $9,259 more than a 40-year-old driver in Arizona.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$8,882
Young Adults (20-24)	$3,759
Adults (25-60)	$2,329
Seniors (65-75)	$2,376

Low-cost car insurance in Arizona by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Arizona

A single speeding ticket in Arizona can push your rates up by 37%, or about $871. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,707	$2,503	47%	$796
Progressive	$2,114	$2,951	40%	$837
State Farm	$2,883	$3,066	6%	$183
GEICO	$1,796	$3,286	83%	$1,490
Farmers	$2,865	$3,691	29%	$825
Nationwide	$2,636	$3,921	49%	$1,285
Auto-Owners	$2,258	$4,025	78%	$1,767
Allstate	$2,846	$4,286	51%	$1,440
CSAA Insurance (AAA)	$4,965	$6,210	25%	$1,245
USAA*	$1,880	$2,431	29%	$551

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Arizona

Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $2,429 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,707	$2,429	42%	$722
GEICO	$1,796	$2,778	55%	$981
Auto-Owners	$2,258	$3,141	39%	$884
State Farm	$2,883	$3,312	15%	$428
Progressive	$2,114	$3,456	63%	$1,342
Nationwide	$2,636	$3,759	43%	$1,123
Allstate	$2,846	$4,038	42%	$1,192
Farmers	$2,865	$4,573	60%	$1,707
CSAA Insurance (AAA)	$4,965	$7,888	59%	$2,923
USAA*	$1,880	$2,894	54%	$1,014

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Arizona

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Arizona are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,114	$2,577	$463	22%
Travelers	$1,707	$2,613	$906	53%
State Farm	$2,883	$3,066	$183	6%
GEICO	$1,796	$3,816	$2,020	112%
Auto-Owners	$2,258	$4,025	$1,767	78%
Allstate	$2,846	$4,688	$1,842	65%
Farmers	$2,865	$5,383	$2,517	88%
Nationwide	$2,636	$5,426	$2,790	106%
CSAA Insurance (AAA)	$4,965	$8,355	$3,390	68%
USAA*	$1,880	$4,483	$2,603	138%

*USAA is only available to military community members and their families.

Average cost of car insurance Arizona

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Arizona, the average cost of full coverage is $180 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Arizona, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Arizona.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Arizona. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.