Good news for Arizona drivers: Jerry’s latest data show that liability coverage averages just $300 per month in the Grand Canyon State. In the last year, we have helped 15,387 Arizonans find affordable car insurance, and drivers who buy with Jerry save an average of $691 each year without sacrificing important protection.
Jerry compares quotes from up to 15 trusted insurers in Arizona to build your policy and find the best price in minutes.
Save on Arizona insurance with Jerry.
What Arizona drivers are paying right now
Car insurance prices in Arizona change constantly, and rates can look very different from one driver to the next. Seeing what others pay helps you understand whether your rate is competitive.
Jerry tracks live quotes across Arizona to give you a real-world snapshot of current prices. Here are some recent examples of drivers who bought a full coverage policy in Arizona through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check rates often. Small market shifts, seasonal changes and adjustments to your own driver profile can make a difference in your next renewal.
4 easy ways Jerry helps Arizona drivers save on car insurance
If you’re looking to cut your car insurance costs in Arizona, you’re in good company — but the answer isn’t always the cheapest quote. The smartest move is understanding what actually drives your rate. Jerry makes that simple, helping you compare real offers, spot hidden discounts, and see where you can save without sacrificing coverage.
Here are our best tips to help you spend less and worry even less.
| How to save | Average Arizona driver savings |
|---|---|
| Compare quotes | 28% to 47% |
| Stack discounts | 10% to 33% |
| Pick the right deductible | 16% to 71%* |
| Avoid lapses in coverage | 16%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices coverage differently, which means the same policy can cost hundreds more (or less) depending on who you’re with. Comparing quotes side-by-side with Jerry is the fastest, most effective way to lock in a better rate.
Here’s where Arizona drivers who saved the most often switched last year after comparing rates with Jerry:
| Insurance carrier | Arizona drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 28% | 26% |
| Bristol West | 12% | 15% |
| National General Value Program | 8% | 19% |
| Alpine Rio | 7% | 41% |
| Trexis | 7% | 24% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters, and two drivers in Arizona with the same car and a similar driving record can still pay very different rates. Jerry shows you how those prices stack up and helps you find coverage that fits your life and your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
From bundling home and auto to safe-driver rewards, most drivers qualify for at least a few discounts. But insurers don’t always apply them automatically.
Jerry finds the ones you’re eligible for, so no savings slip through the cracks.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can drop your premium. Just be sure you can comfortably cover that cost if you need to file a claim.
Here’s a look at the deductibles Jerry drivers choose:
To find the sweet spot with your own deductible:
-
Check your car’s value (Jerry tracks this for you monthly).
-
Choose what you could afford out-of-pocket.
-
See how deductibles change your rate in real time.
The Jerry difference: Jerry shows drivers various deductible options and savings in real time, making it easy to choose the right deductible.
Jerry Agent Tip 4: Pick the right coverage for your budget
A lapse in coverage can cause your rates to spike. On average, Jerry drivers see premiums jump by 16% after a gap in insurance. The key is choosing coverage you can comfortably maintain, even during tight months.
If you’re trying to balance savings and protection, tools like Jerry’s DriveShield can help. It tracks your driving habits, scores your performance and automatically shops for better rates when you qualify. We’ll only share your drive score with insurers if it could earn you a discount, and the average Jerry driver saves between 14% and 26% with DriveShield.
Get personalized car insurance rates now.
How to get better coverage without overpaying
For Arizona drivers, the right mix of coverage can save money over time while protecting you when it counts. Here are the coverages Arizona drivers can choose from when shopping for the best policy and premium:
Minimum
$80 – $153/mo
Meets Arizona’s 25/50/15 liability requirements to keep costs low, but doesn’t cover damage to your own car.
Full
$144 – $288/mo
Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.
Standard
$192 – $369/mo
Includes uninsured motorist and medical payments coverage, which is especially valuable since nearly 11% of Arizona drivers are uninsured.
Preferred
$206 – $376/mo
Offers higher liability, lower deductibles and extras like towing and rental reimbursement for maximum protection.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
The cheapest policy in Arizona is liability-only, but a few affordable add-ons can make a big difference when it matters most. Here’s a quick look at what each type of coverage offers.
-
Coverage definitions
Arizona insurance factors at a glance
From desert dust storms to Phoenix gridlock, where and how you drive in Arizona plays a big role in what you pay. Here’s what stands out most and how to stay protected.
Extreme weather
Monsoon storms and flash floods can cause sudden damage, even to parked cars. Keeping comprehensive coverage is a smart move, especially if you park outside.
Heavy traffic
Congestion on I-10 and in metro areas like Phoenix and Tucson raises the risk of accidents. Safe driving habits and telematics tools like Jerry DriveShield can help offset those costs.
Uninsured drivers
About 1 in 9 Arizona drivers are uninsured. Protect yourself by matching your uninsured and underinsured motorist limits to your own liability coverage.
Comparative negligence law
In Arizona, fault can be shared between drivers, which means you could still collect partial damages even if you’re partly to blame. Still, keeping collision coverage ensures your own car is protected no matter what.
Arizona Insurance After a Ticket, Accident or SR-22
Life happens, but Jerry helps ensure that one mistake doesn’t cost you forever.
You can still land a solid rate even if your driving record isn’t spotless. Jerry partners with top insurers that are more forgiving about past tickets or claims, and automatically re-shops your policy as your record improves.
If you got a ticket
A speeding ticket in Arizona adds three points to your driving record — rack up eight points in a 12-month period and you could face a license suspension. That’s not counting other citations like rolling through stop signs or failing to yield, either.
Beyond the points, even a single ticket can bump your insurance rate by 15% to 30%, and the impact can last up to three years. Avoiding citations is the best way to keep your rates low, but if you do get one, taking a defensive driving course can help offset both the points and the premium increase.
Once you’re signed up in the app, Jerry keeps an eye on your driving record and automatically shops for lower rates as soon as your violation clears. That way, you’re not stuck paying more than you should, for longer.
These are the average rate increases we’ve seen for Jerry drivers in Arizona after receiving a ticket:
-
Speeding under 15: 28%
-
Speeding over 15: 21%
-
Failure to obey traffic sign: 2%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash will increase Arizona drivers’ premiums by an average of 12% and rates stay higher for three to five years. Jerry will find you the best rates now so you don’t overpay. We’ll also automatically re-shop your coverage once the accident comes off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $304 |
| At Fault With Injury | $347 |
| At Fault With No Injury | $356 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no real way around it: Your rates will likely go up after a DUI and stay elevated for about three to five years. In fact, drivers will see their premiums initially rise by about 24%after a DUI conviction.
But that doesn’t mean you have to overpay. Jerry connects you with top carriers that specialize in fair rates and reliable protection today, then re-shops your policy later on to continue the savings.
Here are the 5 most competitive carriers that cover Arizona drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $222 | Yes | |
| $223 | Yes | |
| $245 | Yes | |
| $261 | Yes | |
| $269 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Arizona
In Arizona, an SR-22 certificate may be required if you’re convicted of certain moving violations, have a lapse in insurance, or are involved in an accident while uninsured.
If you need one, just check the SR-22 box in the Jerry app, and we’ll show you only insurers that handle the filing. Some carriers charge a small fee to submit the SR-22 on your behalf, typically around $25 per year.
Car Insurance with Bad Credit
Credit scores can affect insurance rates in Arizona, but that doesn’t mean you’re locked into high prices. Keeping continuous coverage and comparing quotes regularly can help offset the impact, and Jerry makes the process feel effortless.
Average rates in Arizona by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Arizona’s mix of monsoon storms, mountain highways and sprawling city traffic means there’s no one-size-fits-all insurance plan. The key is finding coverage that matches your life behind the wheel, not just your budget. Jerry makes that easy, pairing you with strong, affordable policies built around how you actually drive.
Get Arizona coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
