The best cheap car insurance in Arizona

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards.

Car insurance rates in Arizona average $890 per year. This is lower than the US national average of $935, according to the Insurance Information Institute.

Car insurance companies will examine your location, age, gender, and driving record to calculate rates for premiums. Your credit score, marital status, vehicle style, previous coverage, and miles driven are also considered when calculating the amount you'll pay for coverage.

To get the best insurance policy for your money, you'll want to get quotes and compare coverages from several different insurance companies. 

Minimum car liability insurance requirements in Arizona 

Liability coverage is required by law. If you're involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and its passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage. 

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage, to protect you when an at-fault driver hits you and they have no coverage, or not enough coverage.

Arizona requires bodily and property coverage, according to the Insurance Information Institute. Arizona's minimum liability requirements are 15/30/10, which means up to $15,000 of injury protection for each person involved in an accident, up to $30,000 worth of injuries per incident, and up to $10,000 of property damages per incident. 

Best cheap car insurance in Arizona based on credit score

While everyone's rates will vary based on a variety of factors, there are a few companies that offer lower rates than others for Arizona residents. Consumer Reports compiled every car insurance company's pricing formulas for each state, and found that in Arizona, GEICO has the best rates for drivers at every credit level. 

Best car insurance for Arizona drivers with a clean record

For a driver in Arizona age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

*USAA is only available to military, veterans, and their family members

Above data obtained from Savvy, based on 2,405 policyholders in the state of Arizona

Best car insurance for Arizona drivers with one or more accidents

For a driver in Arizona age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Above data obtained from Savvy, based on 2,405 policyholders in the state of Arizona

Average premiums for seniors and teen drivers in Arizona

The table below shows the average senior and teen drivers can expect to pay in Arizona. Because teen drivers are new drivers with little driving history and more prone to accidents, their rates are high. Most insurance companies offer discounts to teen drivers for good grades or taking driving safety classes.

Senior drivers typically see an uptick in car insurance premiums as they age, but not as much of an increase as new or teen drivers. If you're still driving in your 60s and 70s, there are ways to negotiate cheaper auto insurance rates, like pay-per-mile usage.

Data provided by Goosehead Insurance

Arizona car insurance rates by metro area

Below is the estimated average annual premium of auto insurance policies per household in Arizona's metro areas:

Best car insurance in Arizona based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. Customer satisfaction is defined by five factors: billing process and policy information; claims; interaction; policy offerings; and price. According to a 2021 survey by J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southwest region (which includes Arizona):

Most popular car insurance companies in Arizona based on market share

The following are the most popular car insurance companies in Arizona, based on the percentage of insured Arizona drivers who use them:

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

Who gets the best car insurance rates in Arizona?

Car insurance companies use many factors to determine the premium a particular driver will pay. Things like where in Arizona you live, your age, and your credit score can all have an impact. Generally, those who get the best auto insurance rates in Arizona are those who have the best driving records, the best credit scores, and live in lesser-populated areas. 

Another way to save is to shop around — every insurance company prices policies differently, and no two policies are the same. Prices vary greatly depending on whether you get liability, comprehensive, or collision coverage.

Consider the amount of coverage and the types of coverage listed on your quote. Remember, you're looking for the most coverage for your money. Don't forget to look at the deductible, or the amount you'll pay out of pocket if you get into an accident.