In a NutshellThe cost of car insurance in Arizona varies based on individual circumstances, such as credit, age, driving history, the value of your vehicle and coverage. We compared data from several insurers for different driver profiles. Read on to learn about some of the lowest-cost insurers for basic coverage in Arizona.
Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Whether you’re driving through the Phoenix metropolitan area or visiting the Grand Canyon, there are plenty of places to explore by car in Arizona. But you shouldn’t have to overpay for insurance to protect your ride.
We looked at estimated car insurance rates from various Arizona car insurance companies to find the average cost of insurance and which insurer offers the cheapest estimated rates on basic coverage for various driver needs.
Unless otherwise noted, the calculations below are based on a driver with no accidents, tickets or claims. That helps us get a baseline to compare insurers’ rates (see our full methodology). If that’s not you, your rates could be higher or lower. Insurance cost is calculated based on several factors, like your age, vehicle type, mileage and coverage options, so we also looked at the cheapest car insurance for young drivers, drivers with multiple claims and drivers with different credit outlooks, all at minimum coverage costs.
Read on to learn about Arizona’s average car insurance rates and our findings for the cheapest options for basic coverage in the state.
- Cost of car insurance in Arizona
- 5 cheapest car insurance companies in Arizona
- Cheapest state-minimum car insurance in Arizona
- Cheapest car insurance for good credit in Arizona
- Cheapest car insurance for poor credit in Arizona
- Cheapest car insurance for drivers with multiple claims in Arizona
- Cheapest car insurance for young drivers in Arizona
- Arizona auto insurance requirements
- Is usage-based insurance available in Arizona?
- FAQs about the cheapest car insurance rates in Arizona
Cost of car insurance in Arizona
Average monthly premiums for car insurance in Arizona range from just over $75 up to almost $130, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Arizona
|Driver or coverage||Avg. monthly cost|
|State-minimum car insurance in Arizona||$76.55|
|Drivers with poor credit in Arizona||$144.45|
|Drivers with multiple claims in Arizona||$166.17|
|Young drivers in Arizona||$128.19|
5 cheapest car insurance companies in Arizona
We found that for several different Arizona driver profiles, Noblr Reciprocal Exchange was the cheapest insurer on basic coverage. We’ve made these calculations based on a specific driver profile to get a sense of the costs for an average driver. That means your rates may be different. Unless otherwise noted, our Arizona driver is between 36 and 45 years old, is driving a car worth $20,000 to $30,000, and has a credit score between 680 and 719.
1. Noblr Reciprocal Exchange
The cheapest car insurance for our Arizona driver is Noblr Reciprocal Exchange, which offers basic car insurance to somebody who fits our Arizona driver profile for as little as $10.54 per month. Noblr, a USAA company, largely determines your rate using an app to track your safe-driving habits. Noblr offers a full range of standard coverage options, rental car coverage and roadside assistance. To purchase Noblr insurance, you must either be a USAA member or be eligible to be one, meaning you must be part of a military family.
2. Root Insurance
Like Noblr, Root determines the cost of your auto insurance based on your driving habits, which it tracks through its app. Root customers who fit our Arizona driver profile could see rates on basic coverage for as low as $37.77 per month. Root also offers all the standard liability coverage, comprehensive and collision car coverage, and medical payments coverage options, plus rental car insurance and roadside assistance.Read our full review of Root Insurance.
Our Arizona driver profile could get car insurance from Geico for as little as $40.17 per month on basic coverage. In addition to a wide range of coverage options and available discounts, Geico offers 24/7 customer service and claims support and a robust mobile app that lets users view their IDs, request roadside assistance, get a photo estimate for a claim and more.Read our full review of Geico.
Mercury sells car insurance directly through agents, and it could offer our Arizona driver profile basic coverage at a rate of $51.21 per month. Mercury offers all the standard insurance options, plus roadside assistance and ride-hailing coverage for drivers who work for a ride-sharing company like Uber or Lyft. Plus, if you get a repair at a Mercury-authorized repair shop, your repair is guaranteed for as long as you own the car.Read our full review of Mercury Insurance.
Military members, veterans, and children or spouses of a military member or veteran in Arizona could qualify for basic coverage through USAA for as little as $57.18 per month. USAA also offers a range of standard auto insurance coverage options plus a wide selection of car insurance discounts, including mileage, storage and legacy discounts.Read reviews of USAA
Cheapest state-minimum insurance in Arizona
One factor that determines the cost of your coverage is the type of coverage you select. State-minimum car insurance, which is usually a combination of liability and bodily injury insurance, is often the least expensive type of coverage you can buy.
Here are the cheapest car insurance companies for Arizona drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Arizona for state-minimum coverage
|1||Noblr Reciprocal Exchange||$10.54/month|
Cheapest car insurance for good credit in Arizona
Insurance companies also consider your credit to calculate your car insurance premiums, with better credit scores or credit histories generally translating to lower rates on your insurance. Noblr wins again, with the cheapest car insurance on basic coverage for our Arizona driver with good credit.
5 cheapest car insurance companies in Arizona for those with good credit
|1||Noblr Reciprocal Exchange||$9.93/month|
Cheapest car insurance for poor credit in Arizona
Your credit isn’t the only factor insurance companies look at when determining the cost of your coverage, but it does play a role. For example, a record of safe driving or low mileage could still help you save money on your car insurance, even if your credit isn’t great. The companies in the table that follows offer the cheapest car insurance on basic coverage for Arizona drivers with poor credit, according to our calculations.
5 cheapest car insurance companies in Arizona for those with poor credit
|1||Noblr Reciprocal Exchange||$11.60/month|
Cheapest car insurance for drivers with multiple claims in Arizona
Have you filed a lot of insurance claims in the past few years? That claim history can also affect how much you’ll pay for car insurance. According to our research, insurers in the table that follows offer the lowest prices on basic coverage for drivers with multiple claims.
5 cheapest car insurance companies in Arizona for multiple claims
|1||Noblr Reciprocal Exchange||$18.50/month|
Cheapest car insurance for young drivers in Arizona
Insurers base their prices on perceived risk — and younger drivers are generally assumed to be riskier to insure than older drivers. The good news is that as you build a history of safe driving, your rates should decrease as you age. The following companies have the lowest estimated rates on minimum coverage for drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Arizona for young drivers
|1||Noblr Reciprocal Exchange||$13.29/month|
Arizona auto insurance requirements
Arizona law requires $15,000 for property damage liability. It also requires $25,000 per person and $50,000 per accident for bodily injury liability. You may have additional coverage responsibilities if you have a loan or lease.
Is usage-based insurance available in Arizona?
Usage-based insurance, or UBI, is vehicle insurance that allows customers to pay premiums based on their driving behavior. In Arizona, drivers may save money on their insurance by taking advantage of usage-based insurance programs.
FAQs about the cheapest car insurance rates in Arizona
Average monthly premiums for car insurance in Arizona range from just over $75 to almost $130, depending on the type of coverage and driver profile.
We found that for several different Arizona driver profiles, Noblr Reciprocal Exchange was the cheapest insurer in the state.
Arizona drivers who fit our profile could qualify for insurance for around $10 a month, even if they’re young or don’t have great credit.
This article’s estimated rates are the lowest based on the specific profile of a driver age 36 to 45 living in Arizona. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims. Estimated rates for insurance for good credit apply to scores 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579.
Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rate may vary depending on a range of factors that affect car insurance, such as your age, vehicle driving habits and history. Note that the rates are provided every six months by Quadrant Information services.
Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Arizona-mandated 25/50/15 insurance policy.