Cheap Auto Insurance in Arizona for 2024 (Save Big With These 10 Companies!)
For cheap auto insurance in Arizona, Geico is the leading choice, with a starting rate of $25 per month. This company offers excellent coverage options and outstanding customer assistance. Progressive and State Farm also deliver competitive rates and reliable auto insurance in Arizona.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 29, 2024
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Min. Coverage in Arizona
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Min. Coverage in Arizona
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Min. Coverage in Arizona
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13,128 reviewsThe top picks for cheap auto insurance in Arizona are Geico, State Farm, and Progressive, with the most affordable rates starting at $25/month.
Geico is the top choice overall for its balance of affordability, coverage options, and car insurance discounts tailored to Arizona drivers. State Farm is also a great option for drivers looking for dependable customer service, while Progressive delivers special discounts for those with safe driving habits.
Our Top 10 Company Picks: Cheap Auto Insurance in Arizona
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $25 | A++ | Special Discounts | Geico |
 | #2 | $30 | B | Good Student | State Farm |
 | #3 | $32 | A+ | Loyalty Programs | Progressive |
 | #4 | $39 | A++ | Reliability Focused | Auto-Owners |
 | #5 | $43 | A | Claims Service | American Family |
 | #6 | $44 | A+ | Accident Forgiveness | Nationwide |
 | #7 | $49 | A | Online Tools | Safeco |
 | #8 | $51 | A | High-Risk Coverage | The General |
 | #9 | $51 | A | Great Add-ons | Farmers |
 | #10 | $67 | A | Diverse Coverage | Liberty Mutual |
This article illustrates these companies based on affordability, coverage, and customer satisfaction. Explore the best options for affordable auto insurance in Arizona to find the right fit for you.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code above.
- Arizona drivers can find cheap insurance rates starting at just $25/month
- Geico is the top pick overall for affordable rates and variety of discounts
- State Farm and Progressive offer affordable rates with flexible coverage options
#1 – Geico: Overall Top Pick
Pros
- Affordable Rates for Arizona Drivers: Geico offers the cheapest auto insurance in Arizona, for as low as $25/month which is highlighted in our Geico auto insurance review.
- Extensive Discount Options: Geico provides multiple discounts, including bundling, defensive driving, and multi-vehicle, making it a top choice for cheap auto insurance in Arizona.
- Strong Online Tools: Geico’s app and online tools make managing cheap auto insurance in Arizona simple and efficient.
Cons
- Limited Local Agent Access: While rates are low, Geico’s focus on digital services may not appeal to those seeking personal agent support for cheap auto insurance in Arizona.
- Higher Rates for High-Risk Drivers: Geico’s affordable base rates may not apply to drivers with poor records, impacting the availability of cheap auto insurance in Arizona for this group.
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#2 – State Farm: Best for Good Student
Pros
- Student Savings: State Farm provides notable discounts for good students that can help them reduce the cost of their auto insurance in Arizona.
- Top-Tier Customer Service: Discover in our State Farm insurance review how reliable and excellent their customer assistance when you need it most.
- Reliable Coverage Options: State Farm make is simple for drivers to have broad coverage options at competitive prices, ensuring cheap auto insurance in Arizona with solid protection.
Cons
- Limited Discounts for Non-Students: The option of reducing insurance costs is limited for older customers and outside student discounts.
- Higher Rates for Low-Mileage Drivers: State Farm may not be the cheapest option for those who drive less, which affects cheap auto insurance in Arizona for this group.
#3 – Progressive: Best for Loyalty Programs
Pros
- Unique Savings Programs: Progressive offers loyalty programs like Snapshot, making it a leader in cheap auto insurance in Arizona for safe drivers.
- Rewards for Long-Term Customers: Progressive is giving rewards to their long-term policyholders as a way to keep customers with the company.
- Wide Range of Add-Ons: Progressive offers flexible add-ons like gap coverage for extra protection for every driver on the road, which you can explore more in our Progressive auto insurance review.
Cons
- Higher Rates for First-Time Drivers: Progressive may not always offer the cheapest auto insurance in Arizona for new policyholders without a loyalty history.
- Complicated Discount Qualifications: Some of Progressive’s discounts require specific conditions, which can limit savings on cheap auto insurance in Arizona for particular drivers.
#4 – Auto-Owners: Best for Reliability Focused
Pros
- Reliable Protection: Auto-Owners offers steady coverage w/out hidden charges, helping drivers to secure a cheap auto insurance in Arizona.
- Strong Customer Approval: This company excels as a strong choice for Arizona insurance due to its impressive customer satisfaction scores which is stated in our Auto-Owners insurance review.
- Cost-Effective Coverage Plans: Auto-Owners provides affordable insurance policies, making it a budget-friendly option for Arizona drivers.
Cons
- Limited Online Functionality: Auto-Owners insurance has limited access to online tools, which is a disadvantage to a user who prefers online policy management.
- Fewer Discount Opportunities: Auto-Owners might not provide as many discounts as other companies, which could impact its appeal as the cheapest auto insurance in Arizona.
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#5 – American Family: Best for Claims Service
Pros
- Outstanding Claims Experience: The American Family insurance review promotes easy and direct resolutions for claims handling giving every driver an impressive claims processing experience.
- Family-Friendly Coverage Choices: American Family customizes its coverage options for households with multiple vehicles.
- Flexible Policy Customization: American Family insurance has an adaptable way of allowing drivers to create their own coverage plans that will suit their specific needs.
Cons
- Higher Cost Without Bundling: American Family’s initial cost can be expensive unless customers opt for bundling their policies.
- Limited Discount Options: Although American Family delivers quality service, it only has few discounts available compared to other insurers.
#6 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness Option: Our Nationwide insurance review shows that the company has its special accident forgiveness feature w/out any additional rate after a minor accident.
- Safe Drivers Reward: Nationwide is offering rewards to drivers who have good driving behavior to secure cheap auto insurance in Arizona.
- Strong Financial Stability: Nationwide has a strong financial reputation that gives assurance to drivers when it come to the reliability of cheap auto insurance in Arizona.
Cons
- Higher Rates for High-Risk Drivers: Nationwide’s rates may not be as competitive for drivers with less-than-perfect records, limiting its cheap auto insurance in Arizona appeal.
- Discount Availability Varies by Location: Some discounts are only available in certain areas, which may reduce your options for cheap auto insurance in Arizona.
#7 – Safeco: Best for Online Tools
Pros
- User-Friendly Online Tooling: Our Safeco auto insurance review reveals that it has this excellent digital tooling helping drivers to easily manage their policies online.
- Comprehensive Coverage Options: Safeco offers various coverage types to ensure that cheap auto insurance in Arizona is accessible with comprehensive policies.
- Discounts for Online Policyholders: Safeco insurance has available discounts to those who purchase and manage their policies online.
Cons
- Less Competitive Rates for Older Drivers: Safeco rates can be higher for senior drivers, impacting its overall ranking scores as the most affordable auto insurance in Arizona.
- Limited Local Agent Support: Safeco’s reliance on digital tools means fewer in-person support options for those seeking cheap auto insurance in Arizona with personal service.
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#8 – The General: Best for High-Risk Coverage
Pros
- Affordable Rates for High-Risk Drivers: The General insurance review reveals that the company is giving consideration to those drivers who have past violations or bad credit scores.
- Flexible Payment Options: The General has flexible payment options for customers to easily maintain their insurance policies.
- No Credit Check Required: The General offers cheap auto insurance in Arizona without relying heavily on credit scores.
Cons
- Higher Rates for Low-Risk Drivers: The General may not be the best choice for drivers with clean records seeking the absolute cheapest auto insurance in Arizona.
- Limited Coverage Options: The General insurance may not be the first choice of drivers who want strong protection as it only focuses on basic coverage plans.
#9 – Farmers: Best for Great Add-ons
Pros
- Diverse Add-On Choices: Our Farmers auto insurance review stated that customer has a way to customize a certain policy based on their specific needs.
- Bundling Discounts: Farmers insurance incentivizes customers to combine multiple policies by offering lower rates.
- Excellent Customer Service: Farmers insurance has a strong reputation in terms of satisfying their client’s experience by providing outstanding customer support.
Cons
- Higher Premiums for Basic Plans: If you’re only looking for minimum coverage, Farmers may not be the most affordable option for auto insurance in Arizona.
- Costly for New Customers: Farmers’ starting rate might be costly for new customers which might make it less affordable for them.
#10 – Liberty Mutual: Best for Diverse Coverage
Pros
- Flexible Coverage Choices: Liberty Mutual allows customers to adjust their insurance policies to meet their specific needs.
- Attractive Group Discounts: The company offers discounts for various group affiliations, such as alumni and educators which is included in our Liberty Mutual insurance review.
- Easy Online Services: Liberty Mutual has online policy management for easier access to cheap auto insurance in Arizona.
Cons
- Higher Cost Without Discounts: Liberty Mutual’s base rates without applied discounts may not be as appealing for affordable auto insurance in Arizona.
- Less Local Agent Interaction: Since Liberty Mutual focuses mainly to online services, this may not provide the same level of customer support to customers who prefer in-person assistance.
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Comparing Monthly Auto Insurance Rates and Discounts in Arizona
It’s important to compare monthly rates and look for available discounts to find the best auto insurance in Arizona. This guide gives you a clear look at monthly costs for minimum and full coverage. It features providers such as Geico and State Farm that are known for their competitive prices and excellent value for drivers.
Arizona Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $43 | $114 |
| $39 | $116 |
| $51 | $135 |
| $25 | $65 |
| $67 | $178 |
| $44 | $116 |
| $32 | $84 |
| $49 | $128 |
| $30 | $81 |
| $51 | $135 |
Geico offers the lowest minimum coverage at $25 and full coverage starting at $65, along with affordable options from Progressive, State Farm, and Auto-Owners. Additionally, the article illustrates several discounts available from these providers, giving assurance to customers for affordable rates and maximized savings through programs like multi-car discounts, good driver incentives, and more.
Geico has the most affordable auto insurance rates in Arizona, making it a best choice for budget-conscious drivers.
Eric Stauffer Licensed Insurance Agent
Evaluating monthly insurance rates and discounts is important to significantly lower the costs. Companies like American Family and Progressive provide several savings opportunities that can significantly reduce your overall costs. By comparing rates and available discounts, you can make a smart choice that align within your budget and coverage needs.
Auto Insurance Discounts From the Top Providers in Arizona
| Insurance Company | Available Discounts |
|---|---|
| SR-22, Low Mileage, Good Driver, Defensive Driving, Homeowner, Multi-Car |
| Multi-Car, Continuous Insurance, Snapshot® (usage-based), Homeowner, Teen Driver, Pay-in-Full |
| SmartRide® (usage-based), Multi-Policy, Accident-Free, Paperless Billing, Family Plan, Defensive Driving |
| Good Driver, Multi-Vehicle, Military, Federal Employee, Defensive Driving, Anti-Theft System, Seat Belt Use |
| Homeowner, Good Student, New Vehicle, Bundled Policies, Accident Prevention Course, Telematics Discount |
| Multi-Policy, New Graduate, Military, Vehicle Safety Features, Accident Prevention Course, Alternative Energy Vehicle |
| Drive Safe & Save™, Good Student, Multi-Car, Steer Clear® for Young Drivers, Accident-Free |
| Low Mileage, Safe Driver, Good Student, Defensive Driving, Bundling, Early Signing |
| Safe Driver, Multi-Car, Distant Student, Good Student, Bundling, Homeowner |
| Paid-in-Full, Green Vehicle, Multi-Policy, Multi-Car, Safety Features, Good Student |
Being knowledgeable with Arizona auto insurance rates by provider and coverage level leads you to choose the right insurance coverage options. Using competitive prices with valuable discounts from Geico, State Farm, and Progressive, you can find affordable insurance that is best for your needs. This guide is here to help you explore more about Arizona’s auto insurance options.
Essential Liability Insurance Requirements for Arizona Motorists
In Arizona, having liability auto insurance is more than just a legal requirement; it serves as an essential safety net for all drivers. This coverage helps protect you by ensuring that if you cause an accident, you can compensate those who are affected, including other drivers, passengers, and pedestrians. It’s a vital step in being a responsible motorist.
Understanding the minimum liability coverage required by the state is essential for any driver to navigate potential risks on the road effectively. The basic coverage requirements in Arizona are designed to protect both the insured and those who may be harmed in a collision.
- Bodily Injury Liability: $15,000 per person and $30,000 per accident
- Property Damage Liability: $10,000 per accident
In summary, it’s essential for drivers in Arizona to be aware of and adhere to the state’s liability insurance requirements. This coverage goes beyond simply obeying the law; it protects you from potentially devastating financial consequences in the event of an accident. Understanding these regulations helps ensure you’re prepared and secure on the road.
Financial Responsibility in Arizona
Maintaining financial responsibility is a legal requirement and protects individuals from financial losses resulting from accidents. In reality, the average cost of car accidents can far exceed minimum coverage limits, that’s why having an adequate insurance is important.
Arizona law requires drivers to carry proof of financial responsibility at all times such as an insurance card, an insurance policy document, or a certificate of self-insurance. Failure to provide proof during a traffic stop can result to fines and vehicle impoundment.
Understanding and adhering to minimum car insurance requirements in Arizona ensures that drivers are not only compliant with state laws but also shielded from potential financial repercussions from accidents. Ensuring adequate insurance coverage provides peace of mind and contributes to safer roads for all.
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Essential Safety Road Rules in Arizona
In Arizona, following road safety rules is crucial for all drivers. These laws are designed to protect not just motorists, but also pedestrians and cyclists. By sticking to these guidelines, we can lower the chances of accidents and create a safer driving environment for everyone, whether you’re a longtime resident or just visiting.
- Hands-Free Device Law: Using mobile device while driving is not allowed to avoid distractions on the road.
- Move-Over Law: Drivers are required to move over one lane or slow down when emergency vehicles are present to ensure the safety of first responders.
- Right Turn on Red: Arizona allows right turns on red lights unless signage indicates otherwise. Drivers should stop completely and check for traffic before proceeding.
- Seat Belt Requirements: All front-seat passengers must wear seat belts. Children under 16 must be buckled up, and younger children should use the appropriate car seat.
- Speed Limits: Arizona drivers are required to adhere to posted signs, with steep fines for violators of speed limits.
Drivers play an important role in making Arizona’s roads safer. Though these guidelines, drivers can contribute to a safer environment for themselves and others on the road. For in-depth knowledge, consult our resource titled, “Driving Tips for Road Safety.”
Understanding Arizona Auto Insurance Landscape
The Arizona Auto Insurance Report Card gives you a clear picture of what affects insurance coverage, costs, and customer satisfaction in the state. It breaks down different coverage options and points out great discounts for safe driving and bundling policies.
Arizona Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Arizona offers options like liability and collision coverage. |
| Discounts Available | B | Providers offer discounts for safe driving and bundling. |
| Cost of Insurance | B | Average insurance cost is about $1,876 monthly. |
| Customer Satisfaction | C | Customer feedback shows mixed experiences with claims processing. |
Knowing facts like the 12% rate of uninsured drivers and how premiums jump after a DUI can help you make better choices. With these given details, drivers should take the time to think of what to consider with their options.
Arizona Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Average Annual Premium | $1,876 |
| Minimum Liability Requirement | $25K/person, $50K/accident, $15K/property |
| Percentage of Uninsured Drivers | 12% |
| Average Claim Filing Period | 2 years from the date of the accident |
| Average Rate Increase After a DUI | Approximately $876 |
Being aware of accident statistics and claims patterns can empower drivers to make better-informed decisions. To gain further insights, consult our comprehensive guide titled, “Auto Insurance Coverage: What events are and are not covered by your policy?”
Top Picks for Affordable Auto Insurance in Arizona
The article highlights the top 10 companies offering cheap auto insurance in Arizona, with Geico as the overall top pick due to its affordable rates starting at $25/month and comprehensive coverage options. Other top contenders include State Farm and Progressive, known for dependable service and discounts.
The article emphasizes the importance of comparing rates, exploring discounts like good driver incentives, and meeting Arizona’s legal liability coverage requirements. By comparing offerings from these providers, drivers can find the best deals while ensuring they meet state financial responsibility laws. To delve deeper, refer to our in-depth report titled, “Cheap Auto Insurance Companies.”
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
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Frequently Asked Questions
Who has the cheapest Arizona auto insurance rates?
Geico often has the cheapest auto insurance rates in Arizona, with prices starting as low as $25 per month, but it’s advisable to compare quotes from multiple providers. For additional details, explore our comprehensive resource titled, “Geico Safe Driver Discount.”
How much is average car insurance per month in Arizona?
On average, car insurance in Arizona costs about $90 to $150 per month, depending on factors like coverage type, driving history, and the insurance provider.
What is the minimum auto insurance coverage in Arizona?
The minimum auto insurance requirements in Arizona are $15,000 for injury or death of one person, $30,000 for injury or death of multiple people, and $10,000 for property damage.
Use our free comparison tool below to see what auto insurance quotes look like in your area.
Is Arizona car insurance expensive?
Car insurance rates in Arizona can vary, but they are generally considered moderate compared to the national average. Factors like location, driver history, and type of vehicle affect rates.
Is Arizona a no-fault state for car accidents?
No, Arizona is not a no-fault state. Drivers can file a claim against the at-fault driver’s insurance for damages after an accident. To broaden your understanding, explore our comprehensive resource titled, “No-Fault Auto Insurance.”
What is full coverage insurance in AZ?
Full coverage insurance in Arizona typically includes liability coverage, collision coverage, and comprehensive coverage, providing broader protection against various risks.
How to get car insurance in Arizona?
To get car insurance in Arizona, you can start by comparing quotes online, determining the coverage you need, and contacting insurance providers to finalize your policy.
How long can you go without an Arizona car insurance?
Arizona law requires drivers to maintain continuous insurance coverage. If you lapse in coverage, you may face fines or penalties if stopped by law enforcement.
Can I register a car in Arizona without insurance?
No, you cannot register a car in Arizona without providing proof of insurance that meets the state’s minimum coverage requirements. For a comprehensive overview, explore our detailed resource titled, “Is it a bad idea to just carry minimum coverage auto insurance?”
What is the best state insurance in Arizona?
The best state insurance in Arizona may vary based on individual needs, but popular providers include Geico, State Farm, and Progressive, known for their competitive rates and reliable coverage.
Get started on comparing full coverage auto insurance rates by entering your ZIP code below.