Best Car Insurance in Arizona for 2025

Arizona's population is growing quickly, with some cities like Maricopa seeing a 6.2% increase between 2021 and 2022. Thankfully, car insurance prices are still reasonably affordable in the Grand Canyon State, where full coverage costs an average of $160 per month. However, some drivers will pay more than that, depending on their age, location, and driving record, among other factors.

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Key takeaways

Some of the most affordable car insurance in Arizona is State Farm, which costs an average of $120 per month for full coverage.
Drivers with a clean driving record pay an average of $160 per month in Arizona for full coverage insurance.
High-risk drivers will pay an average of $182 per month in Arizona for full coverage.

Best car insurance companies in Arizona

The average cost of car insurance in Arizona is $160 per month for full coverage, compared to the national average of $193. Drivers looking for only the minimum coverage pay an average of $88 per month but may find coverage for less, depending on the carrier.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	879/1,000	$134	$96
State Farm	835/1,000	$120	$86
American Family	828/1,000	$235	$169
GEICO	804/1,000	$157	$125
Allstate	801/1,000	$199	$144
Farmers	781/1,000	$243	$174

USAA: Best for those with poor credit

Arizona Drivers with poor credit scores (550-649) may pay an average of $178 per month for car insurance. While each situation is different, USAA may offer the most affordable insurance rates for people with bad credit, but its policies are only available to current military members and veterans. USAA offers multiple standard policy options and high customer satisfaction ratings if you qualify.

Pros

USAA generally has lower insurance rates compared to the competition
It earned the highest customer satisfaction score in Arizona

Cons

Policies are only available to current and former military members and their families
You may be able to find more discount options with another carrier

Get a quote now | USAA review

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Drivers who switch their auto insurance and save with State Farm save $764 on average!

State Farm: Most affordable coverage

In Arizona, State Farm coverage averages about $120 per month for drivers with a good record. With multiple policy and discount options and a strong track record of paying claims, State Farm is a solid choice, although you'll have to work with an agent to complete a quote and policy purchase.

Pros

State Farm received the second-highest customer satisfaction rating in Arizona
It was the most affordable full-coverage carrier in Arizona

Cons

State Farm does not offer gap insurance
Users must complete a policy through an agent

Get a quote now | State Farm review

American Family: Best for ease of use

American Family has one of Arizona's lowest car insurance costs for full and minimum coverage. Its easy-to-use website lets you choose between receiving a quote online or working directly with an agent, and customers can complete most tasks online. American Family has multiple policy options, but some discounts, like defensive driving, may not be available in Arizona.

Pros

Customers can select quotes and coverages online or with an agent
American Family has some of the lowest full coverage cost in Arizona

Cons

Their defensive driver discount is not available in Arizona
Its minimum coverage policy has above-average costs

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GEICO: Best for new drivers

Drivers under 20 in Arizona will likely pay an average of $339 per month for full coverage car insurance. GEICO offers multiple policy options and discounts for teens and young adults, allowing parents to add a teen to a parent's policy or help them purchase their own policy.

Pros

GEICO offers multiple discounts, including 15% off for qualifying good students
It's a lower-cost option in Arizona for full and minimum coverage than some competitors

Cons

GEICO had a low customer satisfaction score, earning 804 out of 1,000
It only has agents in the Phoenix and Tucson areas

Get a quote now | GEICO review

Allstate: Best for multi-driver discounts

Allstate offers a variety of discounts to Arizona drivers, including up to 25% off when customers bundle a home and auto policy together. Additionally, Allstate offers discounts for new cars, safety features, and paying your policy in full. However, it was a more expensive option, charging an average of $199, compared to the state average of $160.

Pros

Allstate offers multiple policy add-ons, including a vanishing deductible program
It has multiple agents throughout Arizona

Cons

It was the second most expensive option in Arizona
Allstate earned a low customer satisfaction score (801 out of 1,000)

Get a quote now | Allstate review

Arizona auto insurance requirements

Arizona requires that all motor vehicles, including mopeds, motorcycles, and golf carts, have minimum liability insurance provided by a company licensed to do business in Arizona.

The minimum amount of car insurance that drivers are required to carry in Arizona is:

$25,000 bodily liability for one person
$50,000 bodily liability for two or more people
$15,000 in property damage liability

How to choose a car insurance provider in Arizona

If you're searching for a new auto insurance provider in Arizona, use the following tips:

Comfort level: All insurance companies have pros and cons, but make sure the company you select is easy to reach online or over the phone for questions or for filing a claim. Read customer reviews and ask for recommendations from people you trust before you sign up.
Check their financial stability: Before buying a policy, it's a good idea to check a company's financial stability on a site like AM Best or Standard & Poor's. You should also confirm the company is licensed to do business in Arizona by checking with the Arizona Department of Insurance and Financial Institutions.
Compare quotes and coverages: Request quotes from multiple companies to help you ensure you're getting the best car insurance, and pay attention to the types and amounts of coverage included. Comparing quotes from different insurance companies helps ensure you get the best price and coverage.

How much does car insurance cost in Arizona?

Although the national average cost for full car insurance is $193 per month, the average cost of car insurance in Arizona is $160 for full coverage and $88 per month for minimum coverage.

Phoenix residents pay the most for full coverage auto insurance ($194 per month on average), while Tucson drivers are likely to pay the least ($144 per month).

Arizona car insurance rates by city

Drivers in highly populated areas are likely to pay more for auto insurance since urban areas have a higher likelihood of theft and accidents compared to rural areas.

City	Avg. monthly full coverage premium
Phoenix	$194
Glendale	$193
Scottsdale	$153
Mesa	$158
Chandler	$156
Tucson	$144

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Arizona

What are the minimum car insurance coverage requirements in Arizona?

Arizona's minimum car insurance requirements are $25,000 bodily liability for one person, $50,000 for two or more people, and $15,000 in property damage liability.