Get the cheapest Arizona car insurance by comparing multiple companies in seconds. We find the lowest AZ rates from top-rated carriers by shopping for the best prices, whether you need full coverage or just liability on your vehicles. Instantly you can view the most competitive offers, and easily choose the policy that fits within your budget. We specialize in researching and comparing property and casualty products in Maricopa and Pima Counties, and all other areas of the state.
Whether you live in Phoenix, Tucson, Mesa, Glendale, or any other city, we shop multiple companies in your area, so you can quickly find the most affordable auto insurance options for your cars, trucks, or any additional on or off-road vehicles. High-risk and preferred policies are both available along with same-day coverage and low down-payments, if needed. Vehicles traveling to and from Mexico are also covered.
By bundling policies, you may further reduce the premium. For example, if you need coverage on a motorcycle, rental property, mobile home, motor home, or boat, discounted premiums may be available. Non-insurance options, including investment or legal-aid coverage, generally do not generate rate reductions. The average cost of coverage is less than most other states, including nearby Nevada and California.
Our free quote section at the top of the page requires only your zip code to view your best options. View customized options for comprehensive or basic policies that reduce your premiums. Our money-saving discounts will also help reduce premiums. Your policy will always meet AZ state requirements and all applicable discounts will be applied. Your premium is further reduced since Arizona has the third-fewest drunk-driver convictions of any state.
How Are Rates Calculated?
Married? Your Car Insurance Rates Will Be Lower
Although the number of factors involved in the rating process varies from one carrier to another, typically, the following criteria is used by most AZ companies to ultimately determine your premium.
Age -- Younger drivers pay higher rates, until they reach age 75. However, once you reach 21, prices start to quickly reduce. At age 25, most carriers offer additional reductions. Ages 16-18 are the most expensive ages for all drivers. The number of years of driving experience is also a major factor if the applicant was licensed after age 16. License suspensions have a major negative impact on rates. Multiple suspensions may result in the permanent forfeiture of a driver's license.
MVR Report -- A clean driving record (or just one violation) can substantially reduce your premium. If you have more than three speeding tickets, please slow down! Major violations (DUI, DWI, Hit And Run) are likely to raise premiums by more than 20%. Non-speeding moving violations (stop-sign, failure-to-yield, and driving through a red light), will also impact your premium when shopping for a new policy. Non-moving violations (parking) have no impact on your premium.
Vehicle Type And Model Year -- Newer and sporty vehicles cost more to cover. Older and less expensive vehicles cost less. Cars or trucks with safety devices help save you money. Electronic Stability Control (EBS), Tire pressure monitoring systems, back-up cameras and sensors, blind spot and lane departure warning, adaptive cruise control and park assist are desirable features, and several will qualify for discounts on your coverage. Classic and antique vehicles can typically be covered for their appraised value. However, limitations may be placed on how often the vehicles can be driven.
Zip Code Or County -- Areas that experience more claims and accidents will have higher rates. Often, this includes urban areas as opposed to rural areas. It's not unusual for rates to differ as much as 20% in neighboring counties. Rating areas can change yearly, and prices may be impacted. Moving from one area of the state to another will also likely result in a rate change. Villages and towns that are incorporated into a nearby city may also impact premiums.
Marital Status -- At ages below 30, typically, if you are married, your premium will be lower. At older ages, it does not make a significant difference. There is no underwriting guideline that results in higher rates for persons that are divorced or widowed. Youthful driving children will be assigned to one household only. The "good student" discount will reduce young driver rates, especially for newer vehicles. However, the discount may not apply to graduate school students.
Credit History -- Although not all carriers consider credit, it's still a good idea to monitor your activities. You are entitled to check your credit score each year at no cost or obligation. A combined score above 700 could result in a slight discount. More carriers are beginning to offer discounted prices for applicants with excellent credit. A free annual credit report is available to consumers.
Usage Of Vehicle -- Pleasure, driven to work, or used for or in your business. Distance traveled and how many days driven may be a factor with some carrier underwriters. Once you retire, always contact your carrier since you will qualify for a reduction. If youthful drivers no longer reside in your home, an additional reduction may apply.
Repair Costs -- Many high-performance vehicles have higher repair costs which can impact the cost of coverage. Also, numerous makes and models have body designs that absorb impacts better, which helps lower premiums. Vehicles with fiberglass frames will cost more to insure since the risk of significant body damage is so high.
Who Are The Best Auto Insurance Companies In Arizona?
Of course, that depends how you define "best?" Our definition considers many factors including safety ratings from Agencies such as A.M. Best Company and Moody's, the carrier's ability to pay claims on a timely basis, competitiveness and stability of their rates, volume of complaints they receive and how they are handled, and customer service.
It is important to understand that our "Top 25" list below could easily be expanded to 30 or 40. There are many reputable companies in Arizona that offer competitive prices. And just because a specific carrier is not on this list, does not mean they are not worth considering. So...Here they are:
USAA
Esurance
American Family
Geico (Berkshire Hathaway)
Farmers
Allstate
State Farm
Allied
Liberty Mutual
AAA
Nationwide
Progressive
Amica
Auto Owners
Pekin
State Auto
21st Century
Ameriprise Group
Titan
Encompass
Metropolitan
United
American National
Twin City
Freedom National
Which AZ Cities Have The Least Expensive Rates?
Flagstaff Has Very Affordable Car Insurance Prices
Once again, depending on your age and the types of vehicles you drive, results can widely vary. However, we have listed below another "Top 20" list of car-insurance-rate/friendly cities.
Douglas
Flagstaff
Kingman
Camp Verde
Prescott Valley
Lake Havasu City
Bullhead City
Sedona
Cottonwood
Payson
Safford
Wickenburg
Winsloma
Yuma
Nogales
Casa Grande
Oro Valley
Globe
Show Low
Sierra Vista
What Are The State Requirements?
"Financial responsibility" is the legal and mandatory requirement which means that your minimum allowed policy liability limits are $25,000 per person, $50,000 per accident and $15,000 of additional property damage. These limits were raised in 2020, although consumers are still highly encouraged to consider amounts of $50,000 per person, $100,000 per accident, and $25,000 of property damage. Levels of $100,000 and $300,000 (an additional $50,000 of property damage) are required if you lease a vehicle. These benefits do not cover physical damage to your car or truck.
When pulling a trailer, generally, your liability benefits extend to the trailer. However, collision and comprehensive coverage (if applicable) are not extended without a rider or separate policy. If you loan your vehicle to a licensed driver, typically, coverage extends to the vehicle. If your vehicle is used for business purposes, a rider may be able to added to cover the increased risk. It's also possible that a commercial policy may be needed. Driving in Canada will probably not require any additional additions to the policy.
However, driving in Mexico is treated differently.
A separate contract must be written before driving in Mexico. The Republic of Mexico provides specific minimum requirements that must be contained in the policy. Although the existing US policy may provide limited coverage close to the border, driving without the required policy is never recommended. A large fine and/or a trip to jail could be the result if proper coverage is not active and compliant.
NOTE: In lieu of a personal car policy, you may also transfer a $40,000 certificate of deposit to the State Treasurer's Office. Although legal, selecting this option is very unusual. Also, medical payments and uninsured motorist protection are optional benefits that are typically offered by most carriers. The Arizona Department of Insurance provides additional details.
Since obtaining coverage is mandatory, any lapse in coverage could result in a suspension and/or revocation of your driver's license and registration. The reinstatement process will involve several forms to be filed, possibly including an SR-22 Bond, which is an extra cost and must be maintained for three years.
You can "de-insure" a vehicle by terminating the required coverage on the car or truck that is not being driven. The Motor Vehicle Division must be notified to avoid a penalty and possible license suspension. An online certificate can be easily completed. Vehicle and operator information will be required.
During a traffic-stop or inspection, you will likely be asked to show proof of compliance. If you are operating your vehicle without coverage, once again, a suspension could result. NOTE: If you recently moved to the state and are covered by a company that is not approved or licensed to write AZ policies, you also are not compliant.
Arizona Car Insurance Rates (Sample Monthly Prices)
40-45 year-old female driving 10,000-15,000 miles per year. Clean driving record and vehicle insured is a 2014 Honda Accord EX 4-door. Coverage is $40,000 single limit with medical payments and uninsured and underinsured protection included. Collision and comprehensive deductibles are $500 and $250. Random cities were chosen.
Phoenix Rates
$41 -- Civil Service Employees
$43 -- State Auto
$44 -- American Family
$45 -- Mutual Of Enumclaw
$47 -- USAA
$48 -- Employers Mutual
$51 -- Geico Casualty
$53 -- Badger Mutual
$54 -- RLI Insurance
$56 -- Secura
$59 -- Acuity
$68 -- Encompass
Flagstaff Rates
$30 -- Mutual Of Enumclaw
$32 -- State Auto
$32 -- American Family
$35 -- Badger Mutual
$38 -- Civil Service Employees
$38 -- USAA
$38 -- Geico
$41 -- RLI Insurance
$46 -- General Casualty
$46 -- IDS
$49 -- Encompass
$51 -- American National
Tucson Rates
$34 -- Mutual Of Enumclaw
$36 -- State Auto
$37 -- American Family
$39 -- USAA
$40 -- Badger Mutual
$42 -- IDS
$44 -- Geico
$45 -- Civil Service Employees
$46 -- RLI Insurance
$46 -- Secura Supreme Insurance
$47 -- Employer's Mutual
$54 -- Horace Mann
Yuma Rates
$29 -- American Family
$33 -- Mutual Of Enumclaw
$35 -- Badger Mutual
$37 -- Geico
$41 -- RLI Insurance
$43 -- USAA
$44 -- Hartford
$45 -- American National
$47 -- IDS
$47 -- Employer's Mutual
$52 -- Progressive Advanced
$52 -- Austin Mutual
Arizona Auto Insurance Complaint Ratios
The DOI published the number of complaints each carrier receives and assigns a ratio based on the size of the company. A lower ratio means, less complaints per customer are filed and received.
.002 -- Farm Bureau
.003 -- United Insurance
.005 -- Progressive Preferred
.005 -- American Hallmark
.006 -- USAA
.008 -- State Farm Mutual
.008 -- California Casualty
.010 -- Geico Casualty
.010 -- American National
.010 -- National General
.010 -- Progressive Advanced
.011 -- American Family
.011 -- IDS
.012 -- USAA General Indemnity
.014 -- Esurance
.014 -- Garrison Property And Casualty
.016 -- Nationwide Mutual
.023 -- USAA Casualty
.029 -- Central Mutual
.035 -- Country Mutual
.040 -- Safe Auto
.045 -- State Auto
Ride-Sharing
Transportation Network Companies (TNC) provide the opportunity for individuals to use their vehicles for hire and income opportunities. Uber and Lyft are the largest ride-share companies, although GRAB, GoCatch, GetAround, and ZipCar are viable options in other areas. Generally, when a driver is compensated for transporting a passenger, the personal auto policy does not provide coverage. Thus, incidents that occur during the travel to and from picking up the passenger are likely not covered. However, TNC companies that conduct business in the state, must provide coverage during this process.
The minimum required limits begin when the operator logs into the company operating system, and benefits are $25,000 per person, $50,000 per accident, and $20,000 for property damage. Once the ride request has been confirmed, or transportation is provided, the required limits increase to a total of $250,000 for bodily injury and property damage, and $250,000 of UM (uninsured motorist) protection.
Arizona Revised Statuses (28-4838), the driver, and/or TNC must provide the minimum limits shown above. A private or commercial company may be utilized. Higher limits are available and are highly-recommended.
Personal Umbrella Liability Policy
Typically, $100,000/$300,000/$100,000 are the minimum allowed limits if you consider purchasing a separate personal umbrella rider, designed to protect your assets from losing a lawsuit. The monthly cost of the rider is approximately $15-$25 for individuals and families. Business owners can obtain commercial versions, although prices are more expensive to cover employees who drive automobiles and perhaps operate machinery. If multiple boats or rental properties are owned, the premium will likely increase. Youthful drivers in the household may also impact the premium.
Although there is no "perfect candidate" for purchasing this type of contract, if you have a substantial 401k, rental properties, multiple CDs, sizable investment accounts, or other assets, an umbrella should be considered. You can protect yourself from a judgment that awards money for death, long-term disability, extended hospital confinement, and rehabilitation expenses that continue for years. Libel and slander are also typically covered. A deductible applies to all claims, typically $500-$2,500. Legal defense is provided, if needed. An out-of-court settlement is possible to avoid lengthy and expensive litigation.
AZ High Risk Coverage?
If you have been convicted of multiple moving violations, including a DUI, and/or have been involved in several at-fault accidents, there's a very good chance you are considered a "high risk." Although several companies will offer a policy, it is possible that you will not meet the underwriting criteria of most other carriers, and may be forced to look elsewhere. However, cheap high risk auto insurance rates can be found. Often, they are not the carriers you have previously utilized for covering other vehicles or your home and personal property.
After your policy has been active for 60 days, your policy can be terminated for many reasons, including misrepresentation, non-payment of bill, license suspension, vehicle is now used commercially, and major violations. A large number of minor violations (speeding, rolling through stop sign, driving through red light, etc...) can also result in a cancellation. A lengthy lapse in coverage may force a driver to seek coverage different than the company that previously issued the policy. If an accident occurs while driving without coverage, a license suspension is likely.
The State "Assigned Risk Plan" (AAIP) was created to offer guaranteed coverage from the insurers that do business in the state. The minimum required liability limits are available, even if you have been declined by one or more companies. Plans are written by the companies that are licensed to do business in the state. Each year, there may be slight changes to the list.
Arizona participates in the Western Association Of Automobile Insurance Plans (WAAIP), which helps consumers find coverage for their vehicles after their policy has been cancelled. Rates are moderately-competitive, although continuous driving without tickets or accidents provides many more low-cost options. Once there are no incidents on your MVR, many additional carriers will offer their preferred rates, along with discounts you may have been previously ineligible for. Other family members may also be able to take advantage of the lower prices.
Certified Ignition Interlock After License Suspension
When your AZ driver's license is suspended or subject to revocation, you may be required to have an ignition interlock system installed. Proof of installation from a company approved by the Department of Motor Vehicle Services is required. It's also possible that a duplicate driver's license will indicate the presence of the device. However, an active license is required for the installation.
This breath-analyzing device can be found on the dashboard, and is electronically monitored by the ignition system. The driver (and vehicle owner) must exhale into the device to start the engine. When a trace of alcohol is detected, the engine "locks up' and will not start. Once the vehicle starts, additional exhale tests must be performed showing a "no-alcohol" reading. If the test can not be completed, or the driver tests positive for alcohol, fair warning will be provided with flashing lights. At that point, the driver must shut the engine off or complete a successful test. Passengers, of course, can not complete or participate in the test.
Affordable Phoenix Car Insurance Rates Are Available
What About Phoenix Car Insurance Rates?
Typically, the largest cities in any state have the highest premiums, and Arizona is not an exception. Although zip codes vary, prices in Phoenix are about 15%-30% higher than most other areas. The main reasons are the larger number of drivers without coverage, more thefts per square mile than most other areas, fairly expensive repair costs, and higher collection and claim costs for carriers that do business in Maricopa County and the surrounding area.
Some of the lowest rates in the Phoenix area can be found in the following zip codes: 85709, 85392, 85383, 85353, 85339, 85331, 85310, 85308, 85307, 85281, 85254, 85253, 85251, 85098, 85097, 85087, 85086, 85085, and 85083.
Like most larger metropolitan areas, prices inside the city limits tend to be where the highest premiums occur. However, as you slowly move outside the city, more competitive prices begin to appear. Examples include Cave Creek, Maricopa, Litchfield Park, Wickenburg, and Sun Cities.
NOTE: Other expensive cities in the state include Mesa, Peoria, Scottsdale, El Mirage, Avondale, Tempe, Gilbert, and Tolleson.
Additional Rules And Regulations From ADOT (Arizona Department Of Transportation)
De-Insurance -- If your vehicle is not available to be driven on the road, you can obtain a De-Insured Certificate, which involves completing a form. Typically, within two days, it is approved and you do not have to cover the vehicle.
Insurance Information Request -- Suppose you were hit by another driver and they received a citation. Unfortunately they could not prove that they had compliant insurance. For $3 and a policy accident report, you can obtain specific policy details by submitting the Information Request.
Ordering your MVR (Motor Vehicle Record) -- If you have "permissible use," you can purchase a copy online and print a copy. Three and five-year records are available at a cost of $3 and $5 respectively. A notarized signature is required unless completed in-person at the BMV.
Vanity License Plates -- Purchasing personalized plates online is the quickest and most efficient option. After they are approved (no profanity allowed!), the cost is $25 for an application fee and an additional $25 renewal fee. Depending on the type of plate, you may need either one or two (front and/or back). You must be the owner of the vehicle to buy vanity plates.
Vehicle Inspection -- There are three "Levels" of inspection. Level 1 is very basic and utilizes the serial number of the vehicle. There is no cost to the consumer when completed at BMV location. Level 2 costs $20 and is conducted if additional information may be needed. Level 3 costs $50 and is used for vehicles that are considered "salvaged."
Disability Symbol -- If you are a disabled driver or passenger of a vehicle, you are entitled to park in a specially-marked spot. An application is required, and both businesses and individuals are eligible. Sorry campers...You can't get a sticker for your trailer.
Commercial License (CDL) -- There are three types of licenses available (Classic A, B, and C). A road test is required if you have never had a CDL license, or are upgrading classes. The maximum cost of the road test is $25 and you have three chances to pass the exam.
Past News:
Utilizing credit data for the purposes of underwriting auto insurance policies in Arizona is legal. However, AZ DOI spokesman Stephen Clutter stated that medical history must be excluded if it appears on the credit report and results in a premium increase. However, other credit factors may be used, if companies choose to consider the data.
Getting your picture taken in Scottsdale may cost you more money than you thought. Photo enforcement programs are growing across the US, and Scottsdale is leading the way. If you are speeding, go through a red light, or don't come to a complete stop, you may be ticketed even if a police officer is not in the vicinity of the infraction.
Typically, your ticket is sent through the mail, or actually delivered personally. If you are not at home, the ticket is left at your residence, and you must respond or possibly face a license suspension. Scottsdale is the only Arizona city that utilizes the "alternative service" delivery method. Of course, if you receive a notice and you were not driving the vehicle, the police should be notified immediately.
Are you a bad driver? Compared to most other states, you probably are! According to C-Comparison, Grand Canyon State drivers are the sixth-worst in the US. Although we disagree, careless driving and refusal to obey traffic codes and violations are quite prevalent. Neighbor Wyoming's ranking was even worse (second place).Crash statistics data from the National Highway Traffic Safety Administration (NHTSA) helped in the formulation of the report.