Cheap Car Insurance in Arizona (July 2025)

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Cheap Car Insurance in Arizona (July 2025)

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Key Takeaways
  • Arizona has a 12% uninsured motorist rate and roadways have a 33% higher fatality rate than the national average.
  • However, Arizonans pay 13% less than the national average.
  • State minimum insurance in Arizona requires $25,000/$50,000/$15,000 coverage.

Drivers in Arizona pay moderately lower car insurance premiums compared to the rest of the country in spite of the the state having a nearly 12% uninsured motorist rate. The Grand Canyon State also has a significant number of traffic accidents due to its highways and major interstate roadways, especially in cities like Phoenix, Scottsdale and Tucson. These roadways have a fatality rate that’s significantly higher than the national average.

The state also has its own unique extreme weather to deal with. Arizona’s monsoon season, which runs from June through September, brings dust storms that can lower driving visibility along with heavy rains, high winds and flash floods — all of which can drive up the risk of auto accidents.

Typically, Arizona drivers pay $155 monthly for minimum coverage, according to a Jerry analysis. The average cost of full coverage insurance is $298 monthly. This rate is 13% lower than the national average of $340.

To find the best car insurance in Arizona, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Arizona.

What are Arizona’s minimum requirements for car insurance?

Arizona law mandates that all drivers carry minimum liability insurance coverage to legally drive. Even drivers of golf carts, mopeds, and/or motorcycles have to get the minimum coverage. 

The required minimums of this coverage, which helps pay for the costs of injuries or property damage if you end up causing an accident, have limits of “25/50/15.” Let’s take a closer look at what the minimum requirements are and their coverage limits:

  • $25,000 for bodily injury per person in an accident.
  • $50,000 for bodily injury to two or more people in an accident.
  • $15,000 for damage to other peoples’ property.

Cheapest minimum coverage insurance in Arizona

Check out the quotes for state minimum coverage in Arizona.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $109 $1,312
Aspire Advantage $109 $1,314
Bluefire $116 $1,397
National General $130 $1,565
Mendota $132 $1,581
Assurance America $147 $1,768
Progressive $149 $1,794
Trexis $152 $1,822
Commonwealth Insurance $155 $1,854
Dairyland $171 $2,055
Last Updated Jul 2, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Arizona

Full coverage in Arizona is more expensive than state minimum coverage, but it can be worth considering, whether it’s required or simply for the added peace of mind and financial protection. Take a look at quotes from different insurance providers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $210 $2,518
Progressive $219 $2,630
Assurance America $228 $2,731
Aspire Advantage $231 $2,773
Anchor General $241 $2,891
Bluefire $264 $3,172
Mendota $265 $3,184
National General $267 $3,199
Commonwealth Insurance $306 $3,669
Kemper $326 $3,918
Last Updated Jul 2, 2025

Cheapest car insurance for young drivers in Arizona

Young drivers tend to pay the highest insurance rates throughout the United States, and young Arizonans in a similar boat.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $420 $5,040
21-24 $324 $3,882
Last Updated Jul 2, 2025

Cheapest liability-only policy in Arizona for a 20 year old

Check out the cheapest policies for a 20-year-old driver in Arizona.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage 20 $216 $2,594
Commonwealth Insurance 20 $227 $2,721
National General 20 $230 $2,757
Mendota 20 $239 $2,867
Trexis 20 $241 $2,894
Last Updated Jul 2, 2025

Cheapest full coverage policy in Arizona for a 20 year old

Check out the quotes for full coverage in Arizona for a 20-year-old driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage 20 $411 $4,931
Progressive 20 $459 $5,513
Mendota 20 $483 $5,794
Trexis 20 $518 $6,210
Dairyland 20 $526 $6,314
ROOT 20 $531 $6,376
National General 20 $552 $6,629
Commonwealth Insurance 20 $590 $7,085
Bluefire 20 $613 $7,355
Gainsco 20 $763 $9,151
Last Updated Jul 2, 2025

Average car insurance for mature drivers in Arizona (25-54 years old)

As you get deeper into adulthood, auto insurance quotes drop. Check out some of the quotes for various age groups of Arizona drivers.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $225 $2,703
35-44 $191 $2,287
45-54 $177 $2,122
Last Updated Jul 2, 2025

Cheapest liability-only policy in Arizona for a 36 year old

Jerry’s customer’s average age is 36. For Arizonans, the cheapest quotes for a 36-year-old come from a variety of providers.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 36 $70 $845
Aspire Advantage 36 $102 $1,225
Bluefire 36 $103 $1,234
National General 36 $112 $1,343
Commonwealth Insurance 36 $113 $1,357
Last Updated Jul 2, 2025

Cheapest full coverage policy in Arizona for a 36 year old

If you’re seeking full coverage, these are the quotes, ranked from the cheapest to more expensive quotes.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 36 $111 $1,335
Aspire Advantage 36 $195 $2,335
Progressive 36 $196 $2,355
Commonwealth Insurance 36 $239 $2,866
Mendota 36 $242 $2,909
Assurance America 36 $245 $2,936
Bluefire 36 $250 $3,004
Trexis 36 $254 $3,052
National General 36 $260 $3,125
Dairyland 36 $307 $3,680
Last Updated Jul 4, 2025

Average car insurance for older drivers (55+ years old)

Older drivers in the United States tend to see their quotes continue to drop until they hit a certain age in their senior years where rates start increasing.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $165 $1,980
65+ $153 $1,832
Last Updated Jul 2, 2025

Cheapest liability-only policy in Arizona for a 65 year old

Rates continue to hover in the double-digits with many insurers for a 65-year-old Arizonan:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage 65 $81 $972
Mendota 65 $83 $995
Trexis 65 $100 $1,195
Dairyland 65 $103 $1,239
Progressive 65 $105 $1,261
Last Updated Jul 1, 2025

Cheapest full coverage policy in Arizona for a 65 year old

Check out the cheapest full coverage policies in Arizona for a 65-year-old driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Dairyland 65 $120 $1,439
Aspire Advantage 65 $125 $1,500
Commonwealth Insurance 65 $140 $1,676
Progressive 65 $169 $2,031
Assurance America 65 $177 $2,118
Mendota 65 $191 $2,289
Safeco 65 $210 $2,514
Bristol West 65 $220 $2,640
National General 65 $235 $2,821
Trexis 65 $260 $3,121
Last Updated Jul 4, 2025

Average car insurance for drivers with clean records in Arizona

A clean record with no violations or claims will generally get you a favorable quote. Check out the average quotes and also the cheapest insurers for Arizonans with clean driving records.

Avg Monthly Quote
Avg Annual Quote
$189 $2,270
Last Updated Jul 2, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $83 $998
Aspire Advantage $115 $1,375
Mercury $140 $1,682
Anchor General $142 $1,706
Bluefire $151 $1,815
Plymouth Rock $158 $1,902
Progressive $161 $1,930
First American $163 $1,952
Safeco $164 $1,973
Allstate $165 $1,977
Last Updated Jul 2, 2025

Average car insurance for drivers with low credit scores in Arizona

Arizonans with better credit scores tend to see a better price for car insurance as Jerry’s data shows:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $237 $2,845
660-750 $221 $2,651
<550 $248 $2,976
750+ $175 $2,106
Last Updated Jul 2, 2025

If you have a lower credit score, check out these insurance companies who may offer a more favorable rate.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Embark General <550 $76 $914
Aspire Advantage <550 $126 $1,509
Mercury <550 $149 $1,790
Travelers <550 $172 $2,063
Kemper <550 $173 $2,076
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with at-fault accidents in Arizona

Getting involved in an accident will lead to higher insurance rates, as illustrated by the averages from Jerry customers.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $290 $3,483
At Fault With No Injury $266 $3,186
Not At Fault $238 $2,857
$216 $2,589
Last Updated Jul 4, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Arizona

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With No Injury $128 $1,541
Anchor General At Fault With No Injury $131 $1,568
National General At Fault With No Injury $188 $2,253
Bluefire At Fault With No Injury $210 $2,525
Progressive At Fault With No Injury $218 $2,610
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Arizona

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With Injury $125 $1,495
Gainsco At Fault With Injury $157 $1,887
National General At Fault With Injury $182 $2,187
Mendota At Fault With Injury $219 $2,626
Bluefire At Fault With Injury $227 $2,727
Last Updated Jul 5, 2025

Cheapest car insurance for drivers with speeding tickets in Arizona

If you have a speeding ticket on your record, your insurance rates will go up — and the higher your speed when you were caught speeding, the more costly your car insurance is likely to be.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding over 15 $304 $3,646
Speeding under 15 $248 $2,977
Last Updated Jul 2, 2025

While having a speeding ticket will likely influence your premiums, check out these quotes to see which insurance companies might give you the best quotes.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $140 $1,680
National General $208 $2,496
Safeco $215 $2,580
Progressive $222 $2,660
Bluefire $222 $2,665
Assurance America $264 $3,171
Mendota $269 $3,225
Trexis $284 $3,406
Commonwealth Insurance $287 $3,442
Gainsco $316 $3,788
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with a DUI in Arizona

Getting caught driving after you’ve had a few too many drinks will result in an increased average price quote.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $224 $2,689
$201 $2,416
Last Updated Jul 2, 2025

Nonetheless, shopping around for insurance even if you have a DUI on your record could result in some savings. Here are some of the lowest priced insurers in Arizona.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $55 $655
Aspire Advantage $84 $1,010
Progressive $180 $2,156
Assurance America $193 $2,314
Trexis $206 $2,471
Bluefire $208 $2,491
National General $208 $2,497
Mendota $224 $2,690
Gainsco $253 $3,031
Commonwealth Insurance $265 $3,177
Last Updated Jul 2, 2025

Average car insurance for drivers with other violations in Arizona

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $241 $2,888
Cell Phone $313 $3,759
Defective Equipment $250 $2,999
Driving on Sus. License $230 $2,760
Eluding Police $272 $3,260
Failure to Obey Traffic Sign $263 $3,155
Illegal Turn $265 $3,176
Improper Passing $274 $3,290
Leaving scene of an Accident/Hit and Run $152 $1,824
Open Container $361 $4,336
Other $245 $2,945
Passing School Bus $188 $2,261
Racing/Drag Racing $282 $3,387
Reckless Driving $168 $2,013
Seat Belt $148 $1,780
Suspension $258 $3,093
Vehicle Theft $66 $791
Wrong Way/Wrong Lane $244 $2,928
Last Updated Jul 5, 2025

Is uninsured/underinsured (UM/UIM) motorists coverage required in Arizona?

Arizona does not require drivers to carry uninsured/underinsured motorist coverage, but it can be beneficial to add both to your policy for added financial protection. There’s no guarantee that all drivers on the roadways have adequate coverage.

If you get into an accident or a hit-and-run with an uninsured person who causes the collision, UM coverage helps pay for injuries to you and your passengers, plus other losses.

UIM, or underinsured motorist coverage, takes effect when the at-fault driver of an accident has insurance but does not have adequate coverage for the incident. 

What is full coverage car insurance in Arizona?

Drivers with full coverage have broader protection than what Arizona’s minimum requirements provide. A full coverage car insurance policy in Arizona includes:

  • Liability insurance: Covers injuries or damage you cause to someone else in an accident.
  • Collision coverage: Helps pay for repairs to your vehicle that result from an accident regardless of who is found responsible. This coverage typically has a deductible. 
  • Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.

How are car insurance premiums determined in Arizona?

Drivers pay different rates across the state because insurance carriers base premiums on numerous factors, which may include:

  • Driving record.
  • Traffic tickets and violations history.
  • Claims history.
  • Age and marital status.
  • Where you live. 
  • The vehicle you drive.
  • Policy deductibles.
  • Credit score.
  • Annual mileage.

How can you find the best cheap car insurance rates in Arizona?

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

There are a few things you can do to help reduce what you pay for car insurance:

  • Be a defensive driver and maintain a safe driving record by avoiding traffic violations.
  • Shop around to compare quotes from multiple insurers. This is the ideal way to find the best cheap car insurance in Arizona and you should do it multiple times per year. 
  • Your credit score is a major factor influencing what you pay for car insurance, so take a look at your credit score and devise a plan to boost it. Why? People with low (300-579) and average (580-669) credit scores pay an average of double the rate for their premiums than drivers with great credit.
  • Try to bundle your policies for home and auto insurance from the same insurer for a discount. 

In general, comparing quotes from multiple insurers is key to finding the best cheap premium. It’s a good rule of thumb to compare quotes a few times a year to make sure you get the best cheap rate possible. 

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.