Cheap Car Insurance in Arizona (September 2025)

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Cheap Car Insurance in Arizona (September 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 $78 $936
Geico $90 $1,085
Progressive $92 $1,102
Aspire Advantage $96 $1,150
Liberty Mutual $97 $1,162
National General $103 $1,241
Bristol West $105 $1,259
Embark General $110 $1,316
Trexis $118 $1,412
The General $119 $1,429
Last Updated Sept. 5, 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
Embark General $156 $1,874
Safeco $187 $2,240
Aspire Advantage $187 $2,247
First Acceptance $189 $2,267
Geico $214 $2,566
Progressive $220 $2,635
ROOT $229 $2,744
Anchor General $237 $2,843
Clearcover $238 $2,855
Bristol West $243 $2,911
Last Updated Sept. 5, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $483 $5,792
21-24 $299 $3,586
$187 $2,247
$189 $2,267
$214 $2,566
$220 $2,635
$229 $2,744
$237 $2,843
$238 $2,855
$243 $2,911
Last Updated Sept. 5, 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
Geico 20 $142 $1,705
Liberty Mutual 20 $152 $1,828
ROOT 20 $170 $2,039
Safeco 20 $186 $2,229
Progressive 20 $189 $2,269
Progressive $220 $2,635
ROOT $229 $2,744
Anchor General $237 $2,843
Clearcover $238 $2,855
Bristol West $243 $2,911
Last Updated Sept. 6, 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
ROOT 20 $323 $3,881
Aspire Advantage 20 $360 $4,320
Geico 20 $367 $4,407
Safeco 20 $432 $5,180
Progressive 20 $454 $5,445
The General 20 $457 $5,490
Bristol West 20 $478 $5,733
Gainsco 20 $499 $5,990
Liberty Mutual 20 $529 $6,350
Dairyland 20 $538 $6,453
Last Updated Sept. 5, 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 $230 $2,759
35-44 $185 $2,224
45-54 $169 $2,033
$432 $5,180
$454 $5,445
$457 $5,490
$478 $5,733
$499 $5,990
$529 $6,350
$538 $6,453
Last Updated Sept. 7, 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 $78 $938
Progressive 36 $81 $975
Geico 36 $83 $992
Liberty Mutual 36 $84 $1,005
National General 36 $85 $1,018
The General 20 $457 $5,490
Bristol West 20 $478 $5,733
Gainsco 20 $499 $5,990
Liberty Mutual 20 $529 $6,350
Dairyland 20 $538 $6,453
Last Updated Sept. 5, 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
Aspire Advantage 36 $175 $2,098
Safeco 36 $202 $2,422
Progressive 36 $206 $2,473
ROOT 36 $221 $2,647
Assurance America 36 $224 $2,689
Bristol West 36 $227 $2,719
The General 36 $235 $2,815
Gainsco 36 $235 $2,823
Geico 36 $237 $2,847
National General 36 $243 $2,913
Last Updated Sept. 6, 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 $160 $1,922
65+ $157 $1,884
45-54 $206 $2,473
$221 $2,647
$224 $2,689
$227 $2,719
$235 $2,815
$235 $2,823
$237 $2,847
$243 $2,913
Last Updated Sept. 5, 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
Liberty Mutual 65 $58 $692
Progressive 65 $64 $766
Aspire Advantage 65 $67 $801
National General 65 $73 $870
Bristol West 65 $75 $897
Bristol West 36 $227 $2,719
The General 36 $235 $2,815
Gainsco 36 $235 $2,823
Geico 36 $237 $2,847
National General 36 $243 $2,913
Last Updated Sept. 5, 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
Aspire Advantage 65 $125 $1,505
Progressive 65 $149 $1,785
Bristol West 65 $168 $2,021
National General 65 $174 $2,093
The General 65 $175 $2,105
Assurance America 65 $180 $2,160
Safeco 65 $185 $2,216
Mendota 65 $210 $2,521
ROOT 65 $214 $2,565
Geico 65 $219 $2,623
Last Updated Sept. 7, 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
$217 $2,604
$149 $1,785
$168 $2,021
$174 $2,093
$175 $2,105
$180 $2,160
$185 $2,216
$210 $2,521
$214 $2,565
$219 $2,623
Last Updated Sept. 5, 2025
Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $127 $1,522
Aspire Advantage $139 $1,667
Safeco $161 $1,936
First Acceptance $162 $1,938
Anchor General $172 $2,062
Geico $176 $2,107
The General $187 $2,248
Progressive $187 $2,249
ROOT $202 $2,424
Bristol West $208 $2,494
Last Updated Sept. 6, 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 $238 $2,852
660-750 $224 $2,693
<550 $247 $2,963
750+ $187 $2,249
$172 $2,062
$176 $2,107
$187 $2,248
$187 $2,249
$202 $2,424
$208 $2,494
Last Updated Sept. 5, 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
Anchor General <550 $119 $1,430
Aspire Advantage <550 $140 $1,678
Mercury <550 $149 $1,782
Travelers <550 $150 $1,804
Geico $176 $2,107
The General $187 $2,248
Progressive $187 $2,249
ROOT $202 $2,424
Bristol West $208 $2,494
Last Updated Sept. 4, 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 $233 $2,796
At Fault With No Injury $274 $3,291
Not At Fault $248 $2,977
$214 $2,572
$150 $1,804
$176 $2,107
$187 $2,248
$187 $2,249
$202 $2,424
$208 $2,494
Last Updated Sept. 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
Anchor General At Fault With No Injury $118 $1,418
Aspire Advantage At Fault With No Injury $159 $1,906
Safeco At Fault With No Injury $190 $2,275
Bluefire At Fault With No Injury $198 $2,377
National General At Fault With No Injury $203 $2,442
Geico $176 $2,107
The General $187 $2,248
Progressive $187 $2,249
ROOT $202 $2,424
Bristol West $208 $2,494
Last Updated Sept. 4, 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 $105 $1,263
Assurance America At Fault With Injury $139 $1,667
Trexis At Fault With Injury $161 $1,929
Commonwealth Insurance At Fault With Injury $177 $2,124
National General At Fault With Injury $182 $2,187
Geico $176 $2,107
The General $187 $2,248
Progressive $187 $2,249
ROOT $202 $2,424
Bristol West $208 $2,494
Last Updated Sept. 1, 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 $306 $3,674
Speeding under 15 $237 $2,842
$161 $1,929
$177 $2,124
$182 $2,187
$176 $2,107
$187 $2,248
$187 $2,249
$202 $2,424
$208 $2,494
Last Updated Sept. 4, 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 $162 $1,944
Safeco $192 $2,306
Bluefire $206 $2,477
National General $208 $2,491
Progressive $234 $2,810
Commonwealth Insurance $267 $3,203
Mendota $269 $3,225
Trexis $276 $3,314
Assurance America $306 $3,668
Gainsco $326 $3,911
Last Updated Sept. 5, 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 $231 $2,773
$203 $2,438
$206 $2,477
$208 $2,491
$234 $2,810
$267 $3,203
$269 $3,225
$276 $3,314
$306 $3,668
$326 $3,911
Last Updated Sept. 4, 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 $133 $1,592
Bluefire $180 $2,158
Trexis $193 $2,322
National General $195 $2,340
Assurance America $207 $2,488
Mendota $213 $2,553
Progressive $216 $2,589
Gainsco $237 $2,840
Commonwealth Insurance $263 $3,161
Last Updated Sept. 5, 2025

Average car insurance for drivers with other violations in Arizona

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $283 $3,401
Cell Phone $293 $3,522
Defective Equipment $269 $3,229
Driving on Sus. License $243 $2,915
Eluding Police $195 $2,344
Failure to Obey Traffic Sign $264 $3,167
Illegal Turn $248 $2,977
Improper Passing $278 $3,337
Leaving scene of an Accident/Hit and Run $149 $1,785
Open Container $342 $4,108
Other $242 $2,902
Passing School Bus $188 $2,261
Racing/Drag Racing $303 $3,635
Reckless Driving $145 $1,739
Seat Belt $148 $1,780
Suspension $259 $3,106
Vehicle Theft $66 $791
Wrong Way/Wrong Lane $220 $2,644
Last Updated Sept. 4, 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. 

Cheapest car insurance data 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.

On this page

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

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Andrea Richard

Andrea Richard is a writer and editor with nearly 15 years of experience crafting content for a variety of industries. In writing for Jerry, Andrea’s mission is to deliver relatable and informative content so readers can better understand the costs associated with car ownership and car leasing. A native Floridian and a road trip enthusiast, Andrea first learned to drive on a Honda Accord when CDs were still a thing. She has served on the Society of Professional Journalists Florida board of directors and volunteers as a judge for national journalism contests. Her work has earned several awards for feature writing, investigative reporting and branded content campaigns.

meet-experts-thumbnail
Kevin Berry

Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.

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.