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Last updated: April 18, 2025
Compare Cheap Auto Insurance in Arizona
Depending on your chosen coverage and driving profile, the cheapest auto insurance rates in Arizona are usually from Travelers and Nationwide. USAA and GEICO also offer competitive rates.
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In Arizona, Travelers and Nationwide offer some of the cheapest auto insurance policies for both full and minimum coverage. The cost of full coverage in Arizona is on a par with the national average, at $2,398 annually. Minimum coverage is more expensive, at an average of $814 annually, which is 28 percent higher than the national average.
Arizona’s at-fault laws mean that the driver responsible for an accident is required to pay for injuries and damages. Drivers in larger cities, like Tempe and Phoenix, tend to have higher rates due to the increased likelihood of accidents caused by the denser population.
Overview:
- In Arizona, the average cost of auto insurance is $2,398 for full coverage and $814 for minimum coverage.
- Travelers is the cheapest insurance provider for many drivers in Arizona.
- Nationwide and GEICO also have lower-than-average rates. USAA is a good option for military members, veterans and their families.
Jump to:
- Cheapest full coverage auto insurance in Arizona: Travelers ($1,520 annually) and USAA ($1,718 annually)
- Cheapest minimum coverage: USAA ($592 annually) and Travelers ($604 annually)
- Cheapest with a speeding ticket: Travelers ($1,956 annually) and Nationwide ($2,200 annually)
- Cheapest with a teen driver: Travelers ($4,519 annually) and GEICO ($4,604 annually)
- Cheapest with an at-fault accident: Travelers ($1,972 annually) and Nationwide ($1,975 annually)
- Cheapest with low credit: Nationwide ($2,117 annually) and Travelers ($2,430 annually)
- Cheapest with a DUI: Travelers ($2,217 annually) and Progressive ($2,259 annually)
Cheapest Car Insurance in Arizona for Full Coverage: Travelers
On average, Travelers and USAA offer the cheapest full coverage auto insurance in Arizona. Travelers has an edge, with an average annual cost of $1,520 — about 37 percent cheaper than the statewide annual average of $2,398. USAA is also an affordable option for Arizona drivers, and customers rate this insurer more highly than Travelers.
| Provider | Annual full coverage | Monthly full coverage |
|---|---|---|
| Travelers | $1,520 | $127 |
| USAA | $1,718 | $143 |
| GEICO | $1,783 | $149 |
| Nationwide | $1,868 | $156 |
| Progressive | $1,927 | $161 |
| State Farm | $2,097 | $175 |
| Allstate | $2,968 | $247 |
| Arizona average | $2,398 | $200 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Arizona for Minimum Coverage: USAA and Travelers
USAA and Travelers are also the cheapest, on average, for minimum coverage. At $592 and $604, respectively, these rates are well below the Arizona average and lower than the national average. Note that USAA is available only to military members, veterans and their families. GEICO and Progressive also have rates below the Arizona average.
| Provider | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| USAA | $592 | $49 |
| Travelers | $604 | $50 |
| GEICO | $688 | $57 |
| Progressive | $719 | $60 |
| State Farm | $801 | $67 |
| Nationwide | $921 | $77 |
| Allstate | $1,156 | $96 |
| Arizona average | $814 | $68 |
| National average | $635 | $53 |
Cheapest Car Insurance in Arizona With a Speeding Ticket: Travelers
Travelers has the lowest average rates for drivers with a speeding ticket in Arizona, at $1,956 annually. Nationwide ($2,200 annually), USAA ($2,206 annually) and State Farm (2,262) also have rates below the state average.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| Travelers | $1,956 | $163 |
| Nationwide | $2,200 | $183 |
| USAA | $2,206 | $184 |
| State Farm | $2,262 | $189 |
| Progressive | $2,631 | $219 |
| GEICO | $3,117 | $260 |
| Allstate | $4,374 | $365 |
| Arizona average | $2,483 | $207 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Arizona for Teens: Travelers
Arizona households with teen drivers will find the cheapest insurance with Travelers, at $4,519 annually, on average. GEICO ($4,604 annually) is not far behind.
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| Travelers | $4,519 | $377 |
| GEICO | $4,604 | $384 |
| USAA | $5,429 | $452 |
| State Farm | $5,770 | $481 |
| Nationwide | $6,133 | $511 |
| Allstate | $8,012 | $668 |
| Progressive | $9,102 | $759 |
| Arizona average | $5,991 | $499 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Arizona With an At-Fault Accident: Travelers and Nationwide
Travelers and Nationwide are virtually tied for the lowest average rates in Arizona for drivers with an at-fault accident, at $1,972 and $1,975, respectively. State Farm ($2,106 annually) also has rates well below the state average.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| Travelers | $1,972 | $164 |
| Nationwide | $1,975 | $165 |
| State Farm | $2,106 | $176 |
| USAA | $2,524 | $210 |
| GEICO | $2,651 | $221 |
| Progressive | $2,904 | $242 |
| Allstate | $4,168 | $347 |
| Arizona average | $3,159 | $263 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Arizona With Low Credit: Nationwide
For drivers in Arizona with low credit, Nationwide offers the cheapest insurance, with an average annual premium of $2,117. That’s about half the statewide average of $4,220. Travelers ($2,430 annually) and GEICO ($2,860 annually) also have rates below the state average for drivers with low credit.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| Nationwide | $2,117 | $176 |
| Travelers | $2,430 | $203 |
| GEICO | $2,860 | $238 |
| Progressive | $3,031 | $253 |
| USAA | $3,319 | $277 |
| Allstate | $3,982 | $332 |
| State Farm | $8,047 | $671 |
| Arizona average | $4,220 | $352 |
| National average | $3,377 | $281 |
FYI:
As in most states, insurance companies in Arizona can look at your credit history when determining your premiums. Having poor credit can increase your premiums as much as a DUI conviction can.
Cheapest Car Insurance in Arizona With a DUI: Travelers
For Arizona drivers with a DUI, Travelers has the lowest average rate: $2,217, or 40 percent less than the statewide average. The average rates from Progressive ($2,259 annually) are also lower than the Arizona average.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| Travelers | $2,217 | $185 |
| Progressive | $2,259 | $188 |
| USAA | $3,245 | $270 |
| Allstate | $3,297 | $275 |
| Nationwide | $3,378 | $282 |
| State Farm | $3,829 | $319 |
| GEICO | $4,435 | $370 |
| Arizona average | $3,666 | $305 |
| National average | $3,305 | $275 |
Best Claims and Customer Satisfaction in Arizona: CSAA Insurance
When it comes to customer and claims satisfaction, CSAA Insurance Group (AAA) has some of the highest ratings in Arizona. Average rates aren’t available, so it’s worth getting a quote to see if it’s competitive. USAA and State Farm also have strong satisfaction scores, so these insurers provide a good balance of value and service.
| Provider | Southwest customer satisfaction (J.D. Power)1 | Claims satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| USAA | 743 | 726 | D+ |
| CSAA Insurance Group (AAA) | 683 | 704 | B- (honor roll) |
| State Farm | 646 | 710 | C- |
| Allstate | 633 | 691 | D |
| GEICO | 618 | 692 | C- |
| Nationwide | 618 | 728 | C |
| Progressive | 614 | 672 | C |
| Travelers | 565 | 684 | C |
| Average | 635 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Arizona
- Avoid traffic violations. Maintaining a clean driving record is one of the best ways to keep your insurance rates low. Insurance companies often offer rewards and discounts for drivers with clean records. DUIs and accidents are particularly costly in Arizona. If you do have a violation or claim but generally drive safely, consider enrolling in a telematics program.
- Bundle policies. Many insurers offer a significant discount when you buy multiple policies, also known as bundling. One of the most common bundles is for auto and home or renters insurance.
- Look for young-driver discounts. While teens and young adults pay some of the highest rates for insurance due to their lack of experience, many companies offer discounts for young and teen drivers to help offset the cost. If you have a young driver in your household, ask about discounts for taking a driver education course, maintaining good grades, or leaving the car at home while attending college.
- Improve your credit. In Arizona, low credit can increase your auto insurance premiums as much as a DUI can. Insurance companies often view low credit scores as an indicator of higher risk. Focus on paying bills on time, reducing outstanding debt, and monitoring your credit report for errors. While it may take time, these efforts can lead to lower insurance rates in the future.
Average Auto Insurance Cost in Arizona by City
The average cost of insurance in Arizona varies by city. With an average annual rate of $2,834, Phoenix is the most expensive Arizona city, on average, for auto insurance. Rates are more moderate in Tucson ($2,311 annually) and Surprise ($2,301), both of which come in slightly below the state average.
| City | Annual full coverage | Monthly full coverage |
|---|---|---|
| Phoenix | $2,834 | $236 |
| Peoria | $2,440 | $203 |
| Tempe | $2,425 | $202 |
| Scottsdale | $2,423 | $202 |
| Tucson | $2,311 | $193 |
| Surprise | $2,301 | $192 |
| Arizona average | $2,398 | $200 |
Minimum Car Insurance Requirements in Arizona
Drivers in Arizona are required to purchase a minimum liability auto insurance to drive legally, with the following limits:
- Body injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $15,000 per accident4
Liability insurance pays for property damage and bodily injury you cause in an accident, but only for the other party. This ensures basic liability coverage for Arizona drivers. That said, it’s wise to increase your limits above the state required minimum and purchase additional coverages (like comprehensive and collision) to protect yourself financially in the event of an accident. If you financed or leased your car in Arizona, your lender will most likely require you to obtain a full coverage plan.
Frequently Asked Questions
Who has the cheapest car insurance in Arizona?
In Arizona, Travelers and USAA typically have the cheapest car insurance. Travelers has the lowest average rates for full coverage, at $1,520 annually, while USAA is the cheapest for minimum coverage, at $592 annually. Note that USAA is available only to military members, veterans and their families. GEICO, Nationwide and Progressive also have low insurance rates, on average.
However, auto insurance rates depend on a number of factors, like your driving history, vehicle and ZIP code. To find the best rate and plan for you, compare quotes from at least three insurers.
What are the best discounts available for car insurance in Arizona?
Although the discounts for auto insurance vary from company to company, these are some of the most common and best options:
| Discount type | Potential savings | Details |
|---|---|---|
| Safe-driver discount | Up to 30% | If you maintain a record that’s free of claims and violations for at least three years, you can earn substantial savings. |
| Usage-based insurance (telematics) discount | Up to 30% | There are many programs that can reward you by tracking your safe driving. A few such programs include State Farm Drive Safe & Save, GEICO DriveEasy and USAA SafePilot. |
| Bundling discount | 10-25% | Buying multiple policies from the same company — for example, home and auto insurance — can give you better discounts. |
| Good-student discount | 10-20% | If your teen or young adult driver maintains a B average (3.0 GPA) or higher, they can qualify for discounts. |
| Low-mileage discount | 25-30% | Many insurers offer lower rates for those who drive fewer miles than average, usually less than 7,500 miles annually. |
| Multivehicle discount | 10-25% | Often, insurers offer discounts for customers who have multiple vehicles under one policy. |
| Paid-in-full discount | 9-14% | If you pay your whole auto policy upfront, you may get a lower premium. |
| Defensive driving course discount | 5-10% | Voluntarily taking a state-approved safety course can earn you a discount. |
| Military or affiliation discount | Up to 15% | Some insurers, like GEICO, offer special discounts for active-duty and retired military members. While USAA doesn’t offer specific military discounts, it’s available only to the military community and tends to have low rates. |
Consider different providers’ available discounts when you’re shopping for insurance. If you already have a policy, reach out to your agent to ensure all potential discounts are being applied to your policy.
How does GEICO compare with Progressive, on average?
On average, GEICO is cheaper than Progressive for drivers in Arizona, particularly drivers with clean records or drivers with infractions such as speeding tickets or at-fault accidents. However, Progressive tends to be cheaper, on average, for drivers who have DUIs, as well as for seniors. Read our guide that compares GEICO vs. Progressive.
What are the average rates for auto insurance in Arizona for drivers with previous infractions?
These are the average auto insurance rates in Arizona for drivers with infractions:
| Violation type | Annual average rate | Monthly average rate |
|---|---|---|
| Speeding ticket | $2,483 | $207 |
| At-fault accident | $3,159 | $263 |
| DUI | $3,666 | $306 |
| Clean record | $2,398 | $200 |
How do rates for young drivers compare with those of older drivers in Arizona?
In Arizona, rates for policies with teen drivers are more than twice as high as they are for policies without teens. A full coverage policy with a teen costs $5,991 annually, on average, compared with $2,398 without a teen. Rates for young drivers steadily decrease as they gain more experience behind the wheel, at $6,279 annually for 16-year-olds, $4,938 annually for 18-year-olds and $2,516 annually for 25-year-olds. Taking a driver education course, maintaining good grades, and leaving the car at home when away at college can help households with young drivers save on insurance.
Methodology
We analyzed average premiums in Arizona for full and minimum coverage for drivers with clean records and good credit. We also looked at different driver profiles, including drivers with speeding tickets, at-fault accidents, DUIs or low credit, as well as households with teen drivers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/Vehicle Insurance Information. Arizona Department of Transportation. (2024).
https://azdot.gov/mvd/services/vehicle-services/vehicle-insurance-information
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