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Who has the cheapest auto insurance in Arizona?

Author

James Holden

Published Mar 08, 2026

Who has the cheapest auto insurance in Arizona?

Find Cheap Auto Insurance Quotes in Arizona
RankCompanyAverage annual rate
1GEICO$887
2Progressive$910
3State Farm$950
4CSAA$991

Hereof, what is the average cost of car insurance in Arizona?

The average cost of insurance coverage in Phoenix is $1,126 a year for men and $1,178 for women. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year. Prices may vary depending on many factors: your driving record and the number of claims filed in your zip code.

Also Know, why is car insurance so expensive in Arizona? Car insurance in Arizona is expensive because the state has higher than average traffic fatalities, with 1.4 deaths per 100 million miles driven (compared to the national average of 1.1). As the cost of providing insurance goes up, the premiums insurers charge also rise.

Simply so, who really has the cheapest car insurance?

Cheapest Car Insurance Companies

  • USAA is the cheapest car insurance company, and it offers the lowest car insurance rates in the country, according to our analysis.
  • Geico is the second-cheapest car insurance company, with a study rate of $1,168 annually.
  • State Farm is the third-cheapest car insurance company in our study.

What is the minimum car insurance in AZ?

The new law requires car and truck owners to have at least $25,000 of liability insurance for a single person's injury or death and $50,000 for multiple, up from $15,000 and $30,000 respectively. They'd also need $15,000 in coverage for property damage instead of $10,000.

Is it mandatory to have car insurance in Arizona?

Mandatory Insurance

Arizona requires that every motor vehicle operated on roads in the state be covered by liability insurance through a company that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.

Is Arizona a no fault car insurance state?

No, Arizona is not a no-fault state. Arizona is an at-fault (or “tort”) state. That means the driver who causes an accident uses their insurance to pay for the other driver's bills from the collision. Then the at-fault driver's insurance pays to cover the other driver's damages.

What is the best car insurance in Arizona?

The best car insurance companies in Arizona
Car Insurance CompanyJ.D. Power Score (out of 1,000)Average Full Coverage Rate
Geico834/1,000$892
Allstate830/1,000$1,599
The Hartford829/1,000$1,193
State Farm826/1,000$1,194

What is a fair price for car insurance?

The national average cost of car insurance is $1,427 per year, according to NerdWallet's 2020 rate analysis. That works out to an average car insurance rate of about $119 per month for 40-year-old drivers with good credit and a clean driving record. But average costs vary widely for other types of drivers.

What is full coverage insurance in Arizona?

Permalink Report. Full coverage insurance in Arizona is usually defined as a policy that provides more than the state's minimum liability coverage, which is 25000 in bodily injury coverage per person, up to 50000 per accident, and 15000 in property damage coverage.

Is auto insurance cheaper in Arizona?

The cheapest car insurance companies in Arizona are Noblr, Root, and Geico because they tend to offer rates lower than the state average. Arizona drivers pay a little over $1,400 per year for full coverage and just under $600 per year for state minimum coverage, on average.

Is Geico a good insurance?

Yes, Geico is a good insurance company. Geico is one of the best auto insurance companies for drivers of all types, as well as one of the best insurance companies overall. Geico offers home insurance, life insurance and other types of coverage, to go along with commercial and personal auto insurance policies.

Is AAA car insurance good?

AAA Auto Insurance has an "A+" rating with A.M. Best insurance rating organization. The company ranked third in a 2016 J.D. Power & Associates Purchase Experience Customer Satisfaction survey. The Better Business Association's (BBB) rating varies by association.

Why is Progressive Insurance so cheap?

Progressive is cheap because it offers a variety of discounts and equips consumers with advanced tools to get the best rates. Progressive's price comparison tool allows shoppers to compare their Progressive quote against competitors' rates all in one place, for example.

How is Geico so cheap?

GEICO is cheap because it sells insurance directly to consumers and offers a lot of discounts. Most consumers qualify for more than one discount, which helps to lower the overall cost of their premiums. The fact that it sells insurance directly to consumers is another big reason why GEICO is so cheap.

What are the worst insurance companies?

What Are the Worst Insurance Companies in the US?
  1. Allstate. This giant insurer took the top spot in the AAJ report because of its confrontational stance to its own policyholders.
  2. State Farm. This insurer located in Bloomington, Illinois ranked #4 on AAJ's list for worst insurance companies.
  3. Farmers.
  4. Liberty Mutual.

How can I lower my car insurance rates?

One of the best ways to keep your auto insurance costs down is to have a good driving record.
  1. Shop around.
  2. Before you buy a car, compare insurance costs.
  3. Ask for higher deductibles.
  4. Reduce coverage on older cars.
  5. Buy your homeowners and auto coverage from the same insurer.
  6. Maintain a good credit record.

How can I get cheaper car insurance?

10 tips on how to save money on car insurance:
  1. Young drivers increase the car insurance premiums.
  2. Car modifications can increase your car insurance premiums.
  3. More cylinders can increase your car insurance costs.
  4. Shop around – because prices really do vary.
  5. Buy online and save.
  6. Urban areas translate to higher insurance costs.

Is Gabi com safe?

Is Gabi legit? Yes, Gabi is a legitimate service. The website allows users to upload their policy information or connect their existing insurance account, and Gabi's technology searches for a better price than what you're currently paying.

Is Progressive or Geico better?

The short answer is that Geico is a better choice for most drivers, based on a combination of factors. We found Geico's rates to be more affordable than Progressive for almost all demographic groups in our study, regardless of age.

Is it cheaper to live in Arizona than California?

The cost of housing, utilities, transportation, and health care are drastically cheaper in Arizona. Furthermore, California has some of the highest income tax rates in the country, nearly double the state income tax of Arizona.

Is Arizona a PIP state?

Arizona is one of the 38 “fault” states where Personal injury protection (PIP insurance), also known as med pay coverage, is considered additional optional coverage rather than mandatory.

How much is car insurance in AZ for a 16 year old?

Average Auto Insurance Premiums in Arizona by Age

Generally, car insurance is more expensive for teenage drivers, as insurers see inexperienced motorists as riskier. In Arizona, car coverage runs $6,279 per year for a 16-year-old driver, versus $1,025 annually for a driver between 50 and 59 years of age.

Is clear cover good insurance?

The most compelling thing about Clearcover is its extremely affordable auto insurance quotes. It offered great prices across the board to California drivers—about a third lower than the average rates we found among competitors. Clearcover's affordability makes it a worthwhile option for most eligible drivers.

Is Arizona expensive?

An amount below 100 means Arizona is cheaper than the US average. A cost of living index above 100 means Arizona, Arizona is more expensive.

Arizona cost of living is 102.2.

COST OF LIVINGArizonaUnited States
Overall102.2100
Grocery96.1100
Health95.2100
Housing107.8100

How much is car registration in Arizona?

$2.80 per $100 of assessed value for new vehicles and $2.89 per $100 for used vehicles. Vehicles registered as commercial will pay additional fees. You can always visit for additional details. How are my AZ vehicle registration fees calculated?

How much is health insurance in Arizona?

Arizona residents can expect to pay an average of $454 per person* for a major medical individual health insurance plan. Prices will vary and premiums can be lower if you are in good health.

Is root a good insurance company?

Within the app, you can check how long is remaining on your test drive. Some customers reported receiving quotes within a week or two, although it depends on how much you drive during that period. Root auto insurance is a legitimate company, although not all drivers will qualify for a policy.

Can you register a car without insurance in AZ?

You cannot register a car without insurance in Arizona. Proof of insurance is required at the time of registration.. You have 15 days from the date of purchase to register a vehicle in the state of Arizona, but you can't drive the car without insurance.

Can you get car insurance without a license in Arizona?

No Problem! Whether you have a proper driver's license or not, you should have auto insurance for the security it offers. While driving a car in the U.S. without a valid state-issued driver's license is illegal, we will still issue you a policy insuring your vehicle.

Does insurance follow the car or the driver in Arizona?

“Generally speaking, in Arizona, automobile insurance follows the car, not the driver.” Most auto insurance policies will cover someone else driving your vehicle as long as they have a valid driver's license.

What is my ADOT insurance code?

Your ADOT code should be listed on your ID card from Travelers. If you don't see it listed there, contact Travelers Customer service. The ADOT code identifies your insurance company to the state. If you need more information, please contact your insurance company.

Is state minimum insurance enough?

State minimums are, well, minimums. It's the cheapest, bottom-of-the-barrel insurance you can get. It likely won't be enough if you get into an accident. You'll be responsible for expenses state minimum car insurance doesn't cover.