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The Best Cheap Arizona Car Insurance for 2022

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To drive legally in Arizona, you must have auto insurance. But if you're low on funds, finding the cheapest car insurance in Arizona can be a challenge. Here, we'll share the best car insurance companies for affordably priced auto insurance.

  • Cheapest for typical drivers: Geico
  • Cheapest for military members: Geico
  • Cheapest for teen drivers: Geico
  • Cheapest for drivers with one speeding ticket: Geico
  • Cheapest for drivers looking for minimum coverage: Geico

Cheapest for typical drivers

When it comes to cheap auto insurance in Arizona, Geico is the big winner across the board. For example, with an average annual rate of just $838 for drivers with a clean record, Geico is hard to beat.

Geico

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While there isn't a "close second," these companies are competitive with one another:

  • Progressive, with an average rate of $1,355
  • Nationwide, coming in with an average rate of $1,415
  • USAA, offering an average rate of $1,604 to military members and their families

Cheapest for military members

One way insurance companies thank military members for their service is by offering affordable car insurance. The cheapest average annual rate for members of the military is $754, from Geico.

In second and third place are:

  • Progressive, with an average rate of $1,127
  • Nationwide, with an average rate of $1,423

Cheapest for young drivers

You may feel like your heart is on the road when your teen is behind the wheel of a car. There's no denying that it's expensive to insure a teenager, due to their lack of driving experience. Once again, the best car insurance in Arizona for drivers looking for a low rate is Geico. While its average annual rate of $2,000 (or $167 per month) may seem expensive, this is considerably more affordable than the rates offered by other Arizona auto insurance carriers.

Following Geico are:

  • Farm Bureau, with a rate of $3,706
  • American Family, coming in with an average rate of $4,073

Cheapest for drivers with one speeding ticket

A single speeding ticket can ding your record enough to send your rates up. With an average annual rate of $976, Geico is relatively forgiving.

While they're more expensive than Geico's, second and third place car insurance quotes for Arizona drivers with one speeding ticket come from these companies:

  • Nationwide, with an average rate of $1,735
  • Progressive, with an average rate of $1,826

Cheapest for drivers looking for minimum coverage

If you're asking how much is car insurance in Arizona for minimum coverage, Geico is the winner for cheap liability car insurance, too. With an average annual rate of $395, Geico makes it possible to get on the road with legally mandated Arizona minimum car insurance coverage.

Other contenders include:

  • USAA, with an average rate of $544
  • Auto-Owners, offering an average annual rate of $564
  • Progressive, with an average rate of $594

Average car insurance cost in Arizona compared to the national average

Arizona's overall average car insurance rate is $2,668, nearly the same as the national average of $2,646. The best car insurance companies in Arizona tend to keep their rates near or below the national average.

Average Rate Category Arizona National Average
Overall $2,668 $2,646
Young drivers $6,047 $5,988
1 accident on driving record $3.024 $3,092
1 speeding ticket on driving record $2,846 $2,766
What drivers in Arizona can expect to pay for car insurance compared to the national average

Arizona auto insurance laws

Arizona car insurance laws are clear. Any driver caught driving without insurance faces:

  • First offense: $500 fine; 3-month suspension of driver's license, registration, and license plate; and must carry an SR-22 certificate (see below) for two years.
  • Second offense: $750 fine; 6-month suspension of driver's license, registration, and license plate; and must carry an SR-22 certificate for two years.
  • Third and subsequent offenses: $1,000 fine; 1-year suspension of driver's license, registration, and license plate; and must carry an SR-22 certificate for two years.

An SR-22 certificate is sometimes referred to as "SR-22 insurance." Here's how it works: The Court mandates that a driver prove they have purchased an auto insurance policy. Once that policy purchase is complete, the insurance carrier files an SR-22 certificate with the Arizona Department of Motor Vehicles (DMV). The filing fee for an SR-22 -- currently between $15 and $35 -- is tacked onto the insurance policy price.

Arizona minimum coverage requirements

To drive legally in Arizona, drivers must carry a minimum of:

  • Bodily injury liability coverage of $15,000 per person and $30,000 per accident
  • Property damage liability coverage of $10,000

Coverage is required not only for automobiles, but also golf carts, mopeds, and motorcycles.

How to get cheap auto insurance in Arizona

High credit score

While it may not seem to make sense at first glance, insurers base your rate quote in part on your credit score. Drivers with low credit scores can sometimes lower their auto insurance rates if they raise their credit scores.

Clean record

Naturally, drivers with cleaner records often receive lower Arizona auto insurance quotes.

Discounts

When looking for low-cost car insurance, it can pay to identify any discounts you may be eligible for. Here's a sampling of the kinds of discounts carried by the top insurance companies:

  1. Good student discount
  2. Defensive driver discount
  3. Pay in full discount
  4. Away at school discount
  5. Occupational discount
  6. Alumni discount
  7. Professional organization discount
  8. Safety feature discount
  9. Usage-based discount
  10. Multi-car discount
  11. Multi-policy discount
  12. New car discount

Other things to consider when looking for car insurance in Arizona

Drivers may find that the best place to look for a cheap auto insurance rate is with the insurance company they currently count on to provide other types of coverage, including life and homeowners insurance. That's because most insurers provide "bundling rates" in an attempt to keep a customer's business in one place. Bundling is typically available no matter which type of car insurance coverage a driver seeks.

Ask the experts

Teresa Murray

Teresa Murray

Consumer Watchdog, Arizona Public Interest Research Group

What additional coverage do you recommend specifically for Arizona drivers?

For any driver who owns a home, has other significant assets, or has a teenage driver, I would recommend that they consider an umbrella policy. This would protect the consumer if they had an at-fault wreck with liability claims that exceeded their coverage limits.

For Arizona drivers who don’t have a clean driving record, what can they do to improve their insurance rate?

Drivers who don't have a clean driving record can try a few strategies to reduce their insurance premium:

  1. Maintain a good credit score. Many insurance companies rely on a person's driving record AND their credit score. Their reasoning is that a low credit score can be an indicator of irresponsible behavior that could carry over to the roads. A handful of states prohibit the use of credit scores to set auto insurance premiums, but Arizona is not one of those states. So consumers with low credit scores can expect to pay more for auto insurance in Arizona.
  2. Get quotes from companies that offer telematics, which is technology that monitors your driving and records safe driving habits (assuming you drive safely without speeding, slamming on the brakes, or turning sharply).
  3. Scrutinize your policy for extras you don't need, such as rental coverage if you have other vehicles in your household, towing if you already have AAA coverage, and gap insurance if you've paid off your vehicle. Also, make sure your policy is underwritten properly. For example, if you now work remotely, make sure your policy doesn't say you commute to work. If you have young drivers in your home, make sure they're getting any discount available for being a good student.
  4. Consider raising your deductibles. The higher your deductible, the lower your premium. Maybe instead of a $500 deductible, you decide on a $1,000 deductible. Just make sure you choose a deductible you can afford to pay out of pocket if you have an at-fault wreck and need to get your vehicle repaired.

How do auto insurance laws in Arizona impact drivers without insurance?

Liability coverage is mandatory for every motor vehicle operated on Arizona roads. This requirement goes beyond cars and trucks; it also includes motorcycles, mopeds, and golf carts. The coverage must be with a company authorized to offer insurance in Arizona. Anyone who doesn't carry minimum coverage could get their driver's license and vehicle registration suspended.

The minimum level of financial responsibility required in Arizona is $25,000 bodily injury liability for one person, $50,000 for two or more people, and $15,000 property damage liability.

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