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Get Cheap Car Insurance in Arizona
We monitor insurance prices, helping the average driver in Arizona save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in Arizona
The chart below shows the cheapest car insurance company in Arizona for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Mile Auto, and MetLife.
| Arizona Insurer | Monthly Cost |
|---|---|
| Metromile | $75 |
| State Farm | $76 |
| Mile Auto | $95 |
| MetLife | $95 |
Savings for Every Kind of Arizona Driver
Based on our extensive insurance data, we know the average Arizona driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $849 per year by choosing the right vehicle insurance company. Some Arizona residents are paying out over $2,196 extra every year for auto insurance in Arizona. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Arizona Savings / Yr. |
|---|---|
$849 |
|
$754 |
|
$459 |
|
$771 |
|
$2,447 |
|
$432 |
|
$1,213 |
Arizona Car Insurance vs. the United States
People living in Arizona pay an average of 21.06% more than the typical driver in the nation. The average driver in Arizona can expect to pay about $1,157 per year, or $2,196 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Arizona for most people.
Car Insurance Prices by Arizona Neighborhood
Insurance Prices
Where is insurance cheapest within Arizona?
The map shows insurance prices in and around Arizona, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $829 per year within the state boundaries, with insurance premiums ranging from a high of $2,303 to a low of $1,474. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of Arizona.Pick the Best Car Insurance Company for You in Arizona
The best car insurance provider for most drivers in Arizona
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $849 over the average Arizona car insurance company.
The best car insurance provider for Arizona drivers with accidents on their records
In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $754 over the competition.
The best car insurance company for Arizona drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $459 better than other car insurance companies.
The best auto insurance for Arizona drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $771 less each year.
The least expensive car insurance company for new and young drivers in Arizona
In Arizona, Geico costs young drivers $2,447 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Arizona
State Farm gave the largest car insurance discounts to married couples, averaging $432 saved each year compared to an average Arizona couple's premiums.
The cheapest car insurance in Arizona for drivers with bad credit
The best Arizona car insurance company for customer service
Recent price drops
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The cheapest large national provider in Arizona
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Arizona driver can expect to pay about $130 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Arizona, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Arizona
What Influences the Cost of Car Insurance in Arizona?
On average, car insurance in Arizona is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Arizona is 33 minutes, which is a little more than average for a driver in the nation.
- Arizona state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Arizona are lower than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Arizona is a fairly densely populated area in the nation. The state’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Arizona is $96 per month for minimum coverage and $183 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- New Mexico: Insurance costs 31.42% less
- Utah: Insurance costs 38.48% less
- Nevada: Insurance costs 54.14% more
- California: Insurance costs 22.54% more
- Colorado: Insurance costs 8.56% more
- Wyoming: Insurance costs 25.87% less
- Idaho: Insurance costs 61.11% less
- Texas: Insurance costs 16.03% more
- Oklahoma: Insurance costs 7.56% less
- Kansas: Insurance costs 25.55% less
States with Similar Populations
- Alaska: Insurance costs 42.53% less
- Hawaii: Insurance costs 43.62% less
- Florida: Insurance costs 112.11% more
- Maine: Insurance costs 72.81% less
- North Dakota: Insurance costs 38.48% less
- Wisconsin: Insurance costs 60.38% less
- Washington: Insurance costs 40.07% less
- Vermont: Insurance costs 54.78% less
- Texas: Insurance costs 16.03% more
- Oregon: Insurance costs 30.87% less