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The Cheapest Car Insurance for Arizona Drivers
The Cheapest Car Insurance for Arizona Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Arizona.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Alessandra Forero, Insurance writer
Edited by Aimee Lynn Everett, Licensed Agent
What's on this page?
- How to find the cheapest car insurance quotes in Arizona
- Cheapest car insurance companies in Arizona
- Arizona Car Insurance Coverage Requirements
- Arizona Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Arizona?
- Car Insurance for High-Risk Arizona Drivers
- Car Insurance for Arizona Drivers With DUI
- Car Insurance for Arizona Drivers With a Coverage Lapse
- Car Insurance for Arizona Drivers With a Low Credit Score
- Arizona Car Insurance Cost by Age
- How to find car insurance discounts in Arizona for your motor vehicle
- Is it cheaper to insure a new car or a used car?
- How to find cheap car insurance in Arizona in your city
- How to lower the cost of car insurance in Arizona
- Why is car insurance so expensive in Arizona?
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Arizona
When
shopping for car insurance
, there’s one burning question on most consumers’ minds: what’s the best? What are the best rates available? Which policies have the best car insurance
coverage? Who’s the best auto insurance provider in Arizona?We’d add one caveat to these important questions: start asking what’s best for you.
Our research shows there’s no single best car insurance company in Arizona. Instead, you need to find a provider that works for you among hundreds of companies and thousands of products.
Read on to discover how
Jerry
has helped thousands of customers answer that question with complete satisfaction.| Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 30, 2025 | Progressive | $129 | Elijah, 54 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
January 28, 2025 | AAA | $132 | Kenneth, 25 | Chevrolet Silverado C1500 LTZ | • State Minimum Liability • Comp / Collision |
January 26, 2025 | Nationwide | $98 | Frederick, 43 | Honda Pilot LX | • 100,000/300,000 Liability • Comp / Collision |
January 17, 2025 | Travelers | $162 | Katie, 28 | Ford Fusion SE | • 50,000/100,000 Liability • Comp / Collision |
January 17, 2025 | Allstate | $154 | Amelia, 27 | Alfa Romeo Stelvio | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest car insurance companies in Arizona
So, what kind of “best” is best for you? Are you looking for the best customer service, the best policies for young drivers, or the cheapest rates in your area? We asked these questions of 15,000 drivers and got hundreds of different answers.
| Insurance company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| AAA | January 24, 2025 | Tucson, AZ | 5 | "I aboustly love this company it has cheap rates track my driving to help me see where I need approving. N they res...(read more)" -Charlie |
| Nationwide | January 23, 2025 | Tucson, AZ | 5 | "I researched for months before I switched carriers from a major company. I always kept coming back to clear cover. I ...(read more)" -Maggie |
| Allstate | January 22, 2025 | Scottsdale, AZ | 4 | "Just a regular insurance company nothing special, expensive as usual but hay at least they have friendly staff. Or at...(read more)" -Edna |
| Allstate | January 21, 2025 | Phoenix, AZ | 5 | "Clear cover have good price , especially when you have a 17 years old son , other company’s want $500 to $600 a month...(read more)" -Jennie |
| Allstate | January 17, 2025 | Glendale, AZ | 5 | "Best insurance I’ve ever had. I’ve got qualified real quick and customer service was great and I am insured with good...(read more)" -Hilda |
Last Updated Jan 24, 2025
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Military members love the discounts from
USAA
. Customers with clean driving records recommend GEICO
. And drivers who need flexible plans shop at Allstate
. In Arizona, the five largest insurers are State Farm
, Berkshire Hathaway (i.e. GEICO), Progressive
, Farmers
, and Liberty Mutual
1
—but biggest doesn’t always mean best. In fact, in Jerry’s customer satisfaction survey, smaller insurers got the highest ratings from Arizona drivers: companies like American Family, Auto-Owners, Gainsco, Commonwealth, and The Hartford.
If you’re looking for a car insurance company worth raving about, try the quote comparison app with thousands of five-star reviews. After a quick sign-up process, Jerry finds and compares prices for you. With fast,
free quotes
, you can find a deal just as great as the examples below.Minimum requirements for liability and full coverage Arizona auto insurance
Per
Arizona’s car insurance laws
, every driver must carry liability car insurance
. Liability car insurance covers treatment for bodily injuries and repairs and replacements for damaged property. However, it’s important to note that it only benefits those you injure in a car accident where you’re at fault.Cheapest state minimum liability coverage in Arizona
Liability car insurance in Arizona must meet the minimum coverage limits of 25/50/15, which means at least:
- $50,000 of bodily injury liability coverage per accident
Auto insurance policies that follow the lowest minimum coverage requirements typically have the lowest rates. In Arizona, here’s what you can expect to pay:
National General
Herbert (39 years old)
$176
per month
Do you need more than the minimum liability insurance coverage in Arizona?
Legally, you don’t need more than the minimum liability insurance coverage in Arizona—that’s why it’s called the minimum! However, you might later find yourself wishing you had increased your coverage level when you had the chance.
Let’s say you get into a serious car accident and cause an injury that costs more than $25,000 to treat, or wreck a fancy car that costs more than $15,000 to replace. Since you’ve hit your liability coverage limits, your auto insurance policy won’t pay anymore. Who pays for the rest? Well, if the injured party sues and wins, you do. Out of pocket.
The bottom line: Consider raising your coverage level if you can afford it—a 50/100/30 liability insurance policy offers better financial protection than the minimum.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Arizona auto insurance quotes
Liability insurance demonstrates your financial responsibility to other drivers on the road. However,
full coverage car insurance
lets you show some love for your car.A full-coverage car insurance policy usually includes liability coverage,
collision coverage
, and comprehensive coverage
. If your car collides with another vehicle or a stationary object, collision coverage pays to repair it. If your car is vandalized, stolen, or damaged by a falling tree, comprehensive coverage pays to repair or replace it. Lease and financing agreements
often require you to carry both collision and comprehensive coverage. And while full coverage is more expensive than the minimum car insurance requirements, it doesn’t have to break the bank. Jerry helped these Arizona drivers protect their assets with affordable plans:| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $147 | Joseph, 35 | Volkswagen Passat R-Line |
• State Minimum Liability • Comp / Collision | AAA | $132 | Kenneth, 25 | Chevrolet Silverado C1500 LTZ |
• State Minimum Liability • Comp / Collision | Infinity | $141 | Alma, 38 | KIA Optima SX |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $180 | Jerry, 25 | Honda Accord LX |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $76 | Ruby, 25 | Chevrolet Corvette |
Last Updated Jan 28, 2025Average rates for minimum liability coverage and full coverage car insurance in Arizona
In May 2023, the average cost of a full coverage car insurance policy in Alabama was $3,370 per year. If you stuck with the minimum requirements for liability car insurance in Alabama, you’d pay about $1,834 per year or about $153per month.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $127 | $1,525 |
Full coverage | $144 | $1,727 |
Other types of Arizona auto insurance
Take these estimates with a grain of salt. Car insurance companies look at
many different factors
when they calculate your annual premiums, including age, driving record
, and discount eligibility. Your actual costs may vary significantly from the state average.Give it some thought and you’ll realize that the minimum liability coverage, and even full-coverage car insurance, leave a lot of expenses unresolved. What about injuries? What about lost wages? What about towing?
For your peace of mind, consider investing in additional coverage options like:
- Gap insurance: Covers the remaining debt if the insurance payout after an accident doesn’t cut it.
- MedPay: Provides ongoing medical treatments, physical therapy, and more for you and your passengers.
- Non-owner car insurance: Offers liability insurance coverage when you borrow somebody else’s car.
- Personal injury protection (PIP): Covers injuries, surgical costs, and lost wages for you and your passengers, regardless of fault.
- Rental reimbursement coverage: Provides a rental car while your primary vehicle is being repaired.
- Towing and labor coverage: Pays for emergency services like towing, tire replacements, and battery boosts.
- Uninsured/underinsured motorist coverage: Covers the medical and repair bills usually left unresolved in an accident with an underinsured or uninsured motorist.
How Do Different Factors Impact Your Car Insurance Costs in Arizona?
How Do Different Factors Impact Your Car Insurance Costs in Arizona?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Arizona currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Arizona:
How to find cheap Arizona car insurance if you’re a high-risk driver
Driver violation points harm your car insurance rates.
They drive up the cost of your annual premiums, especially if you have serious violations like reckless driving
. Bring them back down with free quotes for the best deals in Arizona for high-risk drivers:How to find cheap car insurance in Arizona after a speeding ticket
Speeding tickets in Arizona
have different consequences depending on which speeding law you've broken. There are three kinds:- The absolute speed limit law applies to drivers who break the posted speed limit.
- The basic speeding law applies to drivers who fail to drive at a speed appropriate to the road conditions. For example, if you take a rain-washed corner quickly, you might be ticketed, even if you obeyed the posted speed limit.
- The prima facie speed limit law applies to drivers who exceed the posted speed limit by 15 mph near a school crossing, 25 mph in a residential or business district, or 65 mph anywhere else in the state.
Regardless of which law you’ve broken, each speeding ticket adds at least three demerit points to your driving history. A civil traffic offense allows you to pay a fine to skip an arranged court date. However, if you exceed the speed limit by 35-85 mph in certain zones, you’ll be ticketed for a criminal offense and required to make a court appearance.
Criminal traffic tickets incur more fuss and bigger fines than civil ones, not to mention the dollars they add to your annual premiums. Arizona drivers with speeding tickets still manage to find affordable rates through Jerry:
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $144 | Sallie, 49 | • State Minimum Liability • Comp / Collision |
Speeding 11-15 | Travelers | $179 | Violet, 56 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | Clearcover | $227 | Ralph, 30 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Gainsco | $190 | Emma, 32 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 24, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Great rates offered and quality customer service
Angela
Great experience definitely recommend
Adrian
Great prices and easy to use, what more do you want?
Osvaldo
Happy with my rate!
Andrea
How to find affordable Arizona auto insurance coverage after a DUI
Driving with a blood-alcohol level of 0.08% or more violates
Arizona’s DUI laws
. A conviction comes with a maximum of $1,480 in fines, 10 consecutive days in jail, a driver’s license suspension of 90 days, and more. Your auto insurance rates will be similarly affected. These drivers brought the cost of car insurance back down by using Jerry to find a company that works with high-risk drivers:
Travelers
Roger (30 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$195
per month
Clearcover
Effie (30 years old)
$107
per month
Bristol West
Luke (27 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$215
per month
State Auto
Julian (31 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$178
per month
The cheapest Arizona car insurance companies for SR-22 insurance
If you're convicted of DUI, receive multiple traffic tickets, or cause an accident that results in serious injury or death, you're considered a high-risk driver. For three years, high-risk drivers must file an
SR-22 in Arizona
to prove they’re maintaining liability car insurance. Your auto insurance company will file the certificate directly with the DMV and if you fail to pay or renew it, your driver’s license could be at risk.An SR-22 requirement severely restricts your choice of insurance companies. Get quotes from many car insurance companies to find the cheapest one that meets your needs.
How to find cheap car insurance in Arizona after an at-fault accident
It takes a few mistakes to become a good driver. An at-fault accident might tarnish your
clean driving record
, but it’ll clear up eventually. In the meantime, don’t feel you have to stick with a car insurance company that penalizes you needlessly with sky-high insurance rates.Jerry users found companies willing to work with them and their driving history while offering them savings
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $114 | Madge, 56 | • State Minimum Liability |
At Fault With No Injury | Nationwide | $146 | Troy, 39 Sedona, AZ | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Allstate | $124 | Hester, 62 Littlefield, AZ | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $135 | Albert, 38 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Mercury | $152 | Chester, 38 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025FAQs
Is Arizona a no-fault state?
No, the state of Arizona is not a
no-fault state
. Rather, Arizona car accident laws
allow everyone involved in a car accident to claim damages following the rule of pure comparative negligence
. So if you’re 40% at fault for causing an accident and the other driver is 60% at fault, you pay 40% of their damages and they pay 60% of yours.The bottom line: AZ drivers must pay for a share of the damages resulting from a car accident equal to their percentage of fault.
What is the minimum car insurance coverage in Arizona?
A 25/50/15 liability-only car insurance policy is the minimum requirement set out by Arizona’s car insurance laws.
What is the lowest form of car insurance?
The lowest form of car insurance is a liability-only policy that meets your state’s minimum legal requirements with no additional coverage. It’s the cheapest way to stay insured, but it also leaves you open to significant risks.
The most affordable auto insurance in Arizona for other high-risk drivers
Car insurance premiums are sensitive to any mistake, big or small, whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry helped other Arizona drivers with checkered driving histories find cheap car insurance.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $140 | Charles, 28 | Honda CR-V EX | • State Minimum Liability • Comp / Collision |
Cell Phone | Nationwide | $129 | Aiden, 29 | Tesla Model 3 | • 100,000/300,000 Liability • Comp / Collision |
Defective Equipment | Safeco | $161 | Hester, 21 | Dodge Charger SE | • State Minimum Liability |
Driving on Sus. License | Mercury | $88 | Marc, 47 | KIA Sorento L | • State Minimum Liability • Comp / Collision |
DUI | Allstate | $319 | Beulah, 25 | Dodge Challenger SXT | • State Minimum Liability • Comp / Collision |
Eluding Police | Progressive | $226 | Ophelia, 30 | Jeep Cherokee Sport | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | National General | $70 | Leroy, 38 | Chevrolet Camaro 2SS | • 15,000/30,000 Liability |
Illegal Turn | Gainsco | $214 | Nellie, 33 | Chevrolet Camaro LS | • State Minimum Liability |
Improper Passing | Travelers | $92 | Lettie, 28 | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Clearcover | $240 | Warren, 22 | Volkswagen Jetta S | • State Minimum Liability • Comp / Collision |
Open Container | Progressive | $77 | Eva, 34 | Jeep Commander Limited | • State Minimum Liability |
Racing/Drag Racing | Mercury | $173 | Gary, 22 | Ford Mustang GT | • State Minimum Liability • Comp / Collision |
Reckless Driving | Commonwealth Insurance | $95 | Maria, 22 | Dodge RAM 1500 ST | • State Minimum Liability |
Seat Belt | Mercury | $123 | Amy, 28 | Chevrolet Spark LS | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | State Auto | $229 | Cory, 28 | Honda FIT EX | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | Nationwide | $194 | John, 56 | Lincoln MKC | • 50,000/100,000 Liability • Comp / Collision |
Suspension | Bristol West | $137 | Ora, 42 | Hyundai Sonata SE | • State Minimum Liability |
Wrong Way/Wrong Lane | Allstate | $261 | Justin, 27 | Mazda CX-3 Grand Touring | • State Minimum Liability • Comp / Collision |
Other Minor | Plymouth Rock | $123 | Myrtie, 30 | Volkswagen Jetta S | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025How to find cheap Arizona car insurance after a car insurance lapse
Insurance providers consider you a high-risk driver if you had a car insurance lapse in the past. At some point in time, you were an uninsured motorist. Needless to say, a
car insurance lapse can also raise your rates
.Jerry can help you find a fresh start at a new company and remember your payments with automatic reminders. When it's time to renew, you'll get a detailed price comparison so you can see if you still have the best rates.
Eric (46 years old)
$179
per month
Franklin (27 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$309
per month
Clayton (34 years old)
$128
per month
State Auto
Lou (24 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$180
per month
Mercury
Sylvia (40 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$180
per month
How to find cheap Arizona car insurance with a low credit score
Making good on payment deadlines is just as important to auto insurance companies as driving safely. With a credit score of 550 or less, even good drivers can see their insurance rates go up. Compared with their poor credit counterparts, Arizona drivers with a high credit score (750 or more) enjoy car insurance discounts of up to 20%!
Some auto insurance companies tolerate these risks; others don't. You can find the ones that do on the Jerry app, where you can switch on automatic payment and renewal reminders so you never miss another deadline.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $210 | Lettie, 38 | Ford Expedition MAX Limited | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Safeco | $143 | Sue, 35 | Toyota Tacoma Double Cab | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Nationwide | $133 | Adam, 35 | Chevrolet Malibu 1LT | • State Minimum Liability • Comp / Collision |
< 550 | Nationwide | $164 | Cordelia, 35 Joseph City, AZ | Buick Encore Preferred | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 27, 2025How to find affordable car insurance in Arizona for your age
In terms of car insurance rates, the golden years are between 25 and 75. By that time, teen drivers have gained the experience they need to drive safely—and the income to pay their bills.
If you’re on either side of the sweet spot, here’s how to find the best rate for your age group.
The best car insurance companies in Arizona for young drivers
No experience? No credit history? No problem! Some auto insurance companies offer great discount programs to new drivers who need to get their feet wet.
Drivers between the ages of 16-19 are most likely to be involved in a car accident, so teen drivers pay the highest premiums of any age group. And since it’s illegal for anyone to sign a car insurance contract before turning 18, they’ll need to be added to someone else's policy.
When you're just learning the rules of the road, a full coverage policy (or at least collision coverage) is a wise investment. This customer used Jerry to find the
cheapest car insurance for young drivers
in Arizona and beat high rates:Leila (21 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$113
per month
Barry (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Honda CR-V LX$145
per month
Polly (24 years old)
$335
per month
The best car insurance companies for senior drivers in Arizona
Good drivers can reap the benefits of a clean driving record right up until their mid-70s, when hearing and vision losses begin to make safe driving a bigger challenge. Furthermore, old drivers are more likely to suffer severe injuries in a car accident that cost a lot of money to treat.
Companies like
AARP
provide some of the best senior car insurance
because their customers have tons of experience and don't have to commute. Call Jerry's customer service team for help finding a new car insurance policy, and find out how their plans compare.Maurice (75 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$122
per month
Mercury
Craig (67 years old)
$99
per month
Clearcover
Lily (76 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Honda CR-V EX-L$133
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Best insurance yet thank you!
Mark
Great rates and an easy to use app!
Bryce
Amazing service always
Alissia
Never had a problem with them when I needed help they helped me!
Cody
How to find car insurance discounts in Arizona for your motor vehicle
The kind of car you drive plays a central role in determining your annual premiums. High safety ratings and robust
vehicle anti-theft security systems
make your car safer to drive, harder to steal, and cheaper to insure. But a luxury interior, rare badges, or sophisticated technology cost more to repair, so auto insurance companies charge you more to insure.As for which motor vehicle gets the best rates, Arizona drivers seem to prefer these five:
- Chevrolet Silverado:$2,185 per year
- RAM 1500 Limited: $2,948 per year
- Ford F-150: $2,166 per year
- Toyota Tacoma: $1,976 per year
- Toyota RAV 4: $2,228 per year
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 XLE Premium | Progressive | $147 | Daniel, 26 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Is it cheaper to insure a new car or a used car?
Generally, new cars cost more to insure than old cars. On the one hand, new cars have higher safety ratings, better driver-assistive technology, and more reliability. On the other hand, they’re more expensive to repair, especially in the wake of computer chip supply chain issues.
Whether your tastes run more toward classic or cutting-edge, Jerry can help you find the best rate for your ride.
Travelers
Estella (35 years old)
2001 Ford F250 Super Duty
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$221
per month
Clearcover
Ellen (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$174
per month
Bristol West
Sylvia (62 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Benson, AZ$149
per month
State Auto
Adeline (25 years old)
$180
per month
How to find cheap car insurance in Arizona in your city
The average annual premium for a
Phoenix
resident in 2023 was $2,093. Those who lived in Kingman
, however, paid only $1,771 per year. Living in a big city has a price premium: more congestion, crime, and car accidents add up to higher monthly bills. Don’t even get us started on the traffic in Tucson
.Here's an example of the free quotes Arizona drivers received from Jerry in different cities across the state:
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Phoenix, AZ | Philip, 61 | Safeco | $118 | Dodge Charger SXT | • State Minimum Liability |
| Maricopa, AZ | George, 43 | Nationwide | $98 | Honda Pilot LX | • 100,000/300,000 Liability • Comp / Collision |
| Peoria, AZ | Shawn, 25 | AAA | $132 | Chevrolet Silverado C1500 LTZ | • State Minimum Liability • Comp / Collision |
| Arizona City, AZ | Derrick, 22 | Gainsco | $234 | Hyundai Elantra Limited | • State Minimum Liability |
| Phoenix, AZ | Gregory, 29 | Bristol West | $105 | Hyundai Elantra Limited | • State Minimum Liability |
| Chandler, AZ | Keith, 40 | National General | $192 | KIA Sorento L | • 50,000/100,000 Liability • Comp / Collision |
| Phoenix, AZ | Micheal, 25 | Clearcover | $186 | Lexus IS 250 | • State Minimum Liability • Comp / Collision |
| Vail, AZ | Cory, 22 | Trexis | $116 | Toyota Camry | • State Minimum Liability |
| Mesa, AZ | Justin, 54 | Commonwealth Insurance | $121 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
| Apache Junction, AZ | Nettie, 39 | Bluefire | $143 | Toyota Corolla CE | • State Minimum Liability |
| Camp Verde, AZ | Juan, 66 | Assurance America | $110 | Jeep Grand Cherokee Overl | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025How to lower the cost of car insurance in Arizona
The calculations that create car insurance premiums are mind-boggling, but the solutions to reduce said premiums are pretty simple. Here are the top seven tips from Jerry’s licensed insurance agents:
- Shop around to find the auto insurance company with the best rates for you.
- Bundle your car and homeowners insuranceto get a discount on both products.
- Increase your deductible and what you pay out of pocket so your monthly bills go down.
- Change your payment and billing methods to save by making lump-sum payments and receiving electronic bills.
- Take a defensive driving courseto remove demerit points from your driving record and lower your car insurance rates.
Why is car insurance so expensive in Arizona?
Even if you stuck with the state minimum coverage, you’d still see your insurance premiums rise year after year. Here’s why:
- Auto insurance is the fastest-rising vehicle-related expense, increasing by as much as 47% in two years.
- Arizona has higher-than-average motor vehicle fatality rates, which incur millions of dollars of medical, funeral, and repair expenses.
- The cost of medical care is rising. And thanks to road rage anddistracted driving, the incidence of severe crash injuries is too.
FAQs
Is car insurance required in Arizona?
Liability car insurance is required for every registered motor vehicle in Arizona. The minimum car insurance requirements include $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability coverage per accident. You’ll often see the minimum coverage limits abbreviated as 25/50/15.
How much is car insurance in Arizona?
It depends on the company, but you’ll generally enjoy the cheapest car insurance rates between 25 and 75. Throw in a good driving record, good credit, and one of
the cheapest cars to insure
and you’ve probably got better rates than the state and national average. However, if you have a checkered driving history, bad credit, or spotty insurance history, you’re probably paying extremely high auto insurance rates. Do you need insurance to register a car in Arizona?
Yes, you need car insurance to register a car in Arizona. If you don’t maintain proper insurance, your registration could be suspended. You must apply for a title within 15 days of purchase. The
Arizona Department of Transportation
now issues titles electronically and only provides paper copies on request for $4.Who has the best car insurance rates in Arizona?
The best car insurance covers what matters most to you, whether it’s you, your passengers, or your brand-new, high-end car. The cheapest car insurance policy is with the provider that best fits you and your driving history, age, and credit score. To find the best and cheapest car insurance in Arizona, you’ll need to compare a lot of cheap car insurance quotes.
Can you insure a salvage title car in Arizona?
Yes, you can insure a salvage title car in Arizona, but only if it passes a Level III inspection. A salvage title car becomes restored salvage if the inspector finds that the major components work and it can be driven safely on the road, at which point you can register it as normal. A Level III inspection costs $50 and must be scheduled in advance.
What is the best place to get car insurance?
The best place to find car insurance is through an independent broker like Jerry. As
a licensed broker
backed by a team of 100+ licensed agents, Jerry brings the unbiased industry expertise you need to narrow down the best coverage and quotes—without any added cost to you! Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.