Shopping for car insurance takes time and research to find the best rates. Across Arizona, the average auto insurance rate is $1,336, according to our annual study. When it comes to the least expensive rates, Geico has the cheapest rates for Arizona drivers, and Allstate has the most expensive rates. It is important to note these rates are based on study data, and may not be the same as what you actually pay for your car insurance.
COMPANY | AVERAGE ANNUAL RATE |
Geico | $931 |
USAA | $1,170 |
Nationwide | $1,202 |
State Farm | $1,202 |
Travelers | $1,243 |
Progressive | $1,272 |
American Family | $1,317 |
Statewide Average | $1,336 |
Farmers | $1,609 |
Allstate | $2,083 |
Auto insurers look at a number of individual factors for each driver to determine their risk, which, in turn, plays a role in how much your car insurance rates will be. These include age, gender, where you live, the type of car you drive, your driving history and even your credit score. In addition, the type and amount of coverage you purchase will affect how much you pay for auto insurance.
Arizona Rates for Teen Drivers
COMPANY | 17-YEAR-OLD FEMALES | 17-YEAR-OLD MALES |
Allstate | $5,450 | $6,982 |
American Family | $4,323 | $4,583 |
Farmers | $7,571 | $8,255 |
Geico | $1,762 | $1,828 |
Nationwide | $4,128 | $4,762 |
Progressive | $7,949 | $8,802 |
State Farm | $3,305 | $4,153 |
Travelers | $3,752 | $4,686 |
USAA | $5,161 | $5,845 |
Statewide Average | $4,822 | $5,544 |
Because they don’t have much experience driving, teen drivers usually are assigned the highest risk level, which translates to high car insurance rates. In Arizona, Geico offers the cheapest rates on average for teen drivers, and Progressive has the most expensive rates on average.
Arizona Rates for Young Adults
COMPANY | 25-YEAR-OLD FEMALES | 25-YEAR-OLD MALES |
Allstate | $2,213 | $2,392 |
American Family | $1,501 | $1,555 |
Farmers | $1,748 | $1,888 |
Geico | $971 | $885 |
Nationwide | $1,403 | $1,510 |
Progressive | $1,546 | $1,502 |
State Farm | $1,291 | $1,466 |
Travelers | $1,328 | $1,391 |
USAA | $1,380 | $1,469 |
Statewide Average | $1,487 | $1,562 |
As their experience behind the wheel increases, young adults typically see a decrease in their car insurance rates once they move beyond the teen years. For Arizona young adults, Geico has the cheapest car insurance rates on average, with Allstate offering the most expensive rates.
Arizona Rates for Seniors
COMPANY | 60-YEAR-OLD FEMALES | 60-YEAR-OLD MALES |
Allstate | $1,947 | $1,947 |
American Family | $1,155 | $1,159 |
Farmers | $1,404 | $1,517 |
Geico | $935 | $1,037 |
Nationwide | $981 | $1,078 |
Progressive | $1,082 | $1,066 |
State Farm | $1,072 | $1,072 |
Travelers | $1,052 | $1,111 |
USAA | $997 | $1,007 |
Statewide Average | $1,180 | $1,222 |
For senior drivers in Arizona, Geico offers the least expensive car insurance rates on average. Though USAA has lower rates for males in this age group, many consumers will not qualify. Allstate has the most expensive rates for this group.
Arizona Rates for Drivers With Poor Credit
COMPANY | AVERAGE ANNUAL RATE |
Geico | $1,425 |
Nationwide | $1,667 |
Travelers | $1,980 |
Progressive | $2,026 |
American Family | $2,234 |
USAA | $2,263 |
Farmers | $2,446 |
Statewide Average | $2,453 |
Allstate | $3,024 |
State Farm | $5,008 |
Auto insurers review drivers’ credit history and usually assign a higher risk to drivers with a low credit score. When shopping for car insurance with poor credit, Geico has the cheapest rates on average, while State Farm has the most expensive rates, according to our study data for Arizona.
Arizona Rates for Good Drivers
COMPANY | AVERAGE ANNUAL RATE |
Geico | $931 |
USAA | $1,170 |
Nationwide | $1,202 |
State Farm | $1,202 |
Travelers | $1,243 |
Progressive | $1,272 |
American Family | $1,317 |
Statewide Average | $1,336 |
Farmers | $1,610 |
Allstate | $2,083 |
If you have a clean driving record, your auto insurer often will assign you a lower risk than drivers with a poor driving history, which translates to cheaper rates. In Arizona, Geico offers the cheapest car insurance rates on average for good drivers, and Allstate has the most expensive rates.
Arizona Rates After a Speeding Ticket
COMPANY | AVERAGE ANNUAL RATE |
Geico | $1,129 |
State Farm | $1,313 |
Nationwide | $1,390 |
USAA | $1,507 |
Statewide Average | $1,641 |
Travelers | $1,644 |
American Family | $1,682 |
Progressive | $1,723 |
Farmers | $2,059 |
Allstate | $2,324 |
Having a speeding ticket on your driving record could result in higher car insurance rates. If you do have a speeding ticket, Geico has the least expensive rates in Arizona on average, while Allstate’s rates are the most expensive on average.
Arizona Rates After an Accident
COMPANY | AVERAGE ANNUAL RATE |
Nationwide | $1,262 |
Geico | $1,302 |
State Farm | $1,424 |
Travelers | $1,711 |
USAA | $1,771 |
American Family | $1,798 |
Statewide Average | $1,871 |
Progressive | $2,232 |
Farmers | $2,332 |
Allstate | $3,008 |
If you’ve been involved in an accident, your auto insurer may raise your car insurance rates. Even so, Nationwide has the least expensive rates for this group of drivers in Arizona on average, and Allstate has the most expensive.
Arizona Rates After a DUI
COMPANY | AVERAGE ANNUAL RATE |
State Farm | $1,313 |
Progressive | $1,473 |
American Family | $1,682 |
Geico | $1,843 |
Travelers | $1,882 |
Statewide Average | $2,000 |
Nationwide | $2,235 |
Farmers | $2,244 |
Allstate | $2,567 |
USAA | $2,765 |
A DUI on your driving record is likely to lead to higher car insurance rates, according to our analysis. For Arizona drivers with a DUI, State Farm offers the least expensive rates on average, with Allstate offering the most expensive rates.
How Much Is High Coverage Car Insurance in Arizona?
COMPANY | AVERAGE ANNUAL RATE |
Geico | $1,137 |
Nationwide | $1,214 |
USAA | $1,236 |
State Farm | $1,321 |
American Family | $1,332 |
Travelers | $1,334 |
Progressive | $1,364 |
Statewide Average | $1,441 |
Farmers | $1,779 |
Allstate | $2,255 |
Purchasing more car insurance coverage will increase how much you pay for that coverage. You will find that Geico has the least expensive rates on average for drivers with high coverage, and Allstate has the most expensive rates.
How Much Is Minimum Coverage Car Insurance in Arizona?
COMPANY | AVERAGE ANNUAL RATE |
Geico | $790 |
USAA | $1,054 |
Progressive | $1,079 |
State Farm | $1,098 |
Travelers | $1,153 |
Nationwide | $1,199 |
Statewide Average | $1,204 |
American Family | $1,222 |
Farmers | $1,340 |
Allstate | $1,897 |
You could potentially reduce your car insurance premiums by purchasing minimum coverage. In Arizona, Geico offers the least expensive rates on average for drivers with minimum coverage, with Allstate having the most expensive rates.
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Is Car Insurance Required in Arizona?
Yes, Arizona state law requires every vehicle operated on state roads to have liability insurance.
Which Cars Are Required To Be Insured in Arizona?
All motorized vehicles operated on roads, including cars, trucks, motorcycles, recreational vehicles, golf carts and mopeds, are required to be covered by liability insurance.
When Should I Get Car Insurance in Arizona?
You must have car insurance on your vehicle before you start to drive on Arizona roads.
How Much Car Insurance Do I Need in Arizona?
You must have the following minimum levels of liability insurance in Arizona:
- $25,000 bodily injury or death for one person
- $50,000 for two or more persons in the same accident
- $15,000 for property damage
How Much Is Car Insurance in My City in Arizona?
Car insurance rates vary based on where you live in Arizona. For instance, in Tempe, average car insurance rates are $1,481. In Phoenix, drivers pay an average of $1,646 for car insurance.
What Happens if My Car Is Not Properly Insured in Arizona?
If you do not have your car properly insured, your vehicle registration and/or driver license could be suspended.
Is Arizona a No-Fault State?
No, Arizona is not a no-fault state. This means the driver found at fault in an accident is legally responsible for paying for any injuries and property damage.
Do I Need Uninsured Motorist Coverage in Arizona?
No, uninsured motorist coverage is not required in Arizona.
Is Liability Insurance Required in Arizona?
Yes, you must have liability insurance for bodily injury and property damage in Arizona.
Does Arizona Accept Digital Insurance Cards?
Yes, Arizona accepts digital insurance cards.
How We Created This Arizona Car Insurance Review
At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.
Our Study Rates
To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 25, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes.
To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.
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