Who Has the Cheapest Car Insurance Quotes in Arizona?

Arizona Car Insurance | Cheap Car Insurance Quotes

CSAA has the cheapest car insurance rates in Arizona, according to our study of costs for a minimum coverage policy from the top insurers in the state.

A six-month CSAA policy cost an average of $280, or $560 per year, which is 43% less than the Arizona average of $980 per year.

Costs varied city by city in Arizona, as well as company by company. For example, the most expensive city, Phoenix, came in at 27% more than the state average. Rates for our sample driver at the most expensive company were more than four times the cost of the cheapest insurer's premiums.

Cheapest car insurance in Arizona

The cheapest insurance company in Arizona for minimum liability coverage is CSAA, according to our research of top companies in the state. For our profile driver, rates from CSAA were 43% less than the average in the state — a difference of $420 from the state average of $980 for that coverage.

Cheapest car insurance in Arizona Source: valuepenguin

However, if you're eligible, you should definitely get a quote with USAA. Policies are restricted to current and former military members, but for those who qualify it is one of the cheapest options available.

Having only the required liability insurance will drastically reduce the cost of premiums. The difference in annual premiums between these policies and those with full coverage is $1,719.

Drivers who are considering minimum liability auto insurance should know that they won't be covered for repairs to their car if it is stolen or damaged in an accident where they are at fault.

Rank	Company	Annual rate
1	CSAA	$560
2	Hartford	$729
3	GEICO	$750
4	Progressive	$765
5	American Family	$931
6	State Farm	$972
7	Allstate	$1,397
8	Farmers	$2,229
N/A	USAA*	$486
USAA is not included in the rankings as it is only available for current and former military members and their families.

Cheapest for company full coverage policies: GEICO

In Arizona, the cheapest car insurance company for a full coverage policy is GEICO, according to our survey of rates. We found that choosing this company could save $926 per year compared to the average cost of insurance in the state of $2,699.

Rank	Company	Annual rate
1	GEICO	$1,773
2	Hartford	$2,101
3	CSAA	$2,121
4	Progressive	$2,132
5	American Family	$2,179
6	State Farm	$2,308
7	Allstate	$4,492
8	Farmers	$5,597
NA*	USAA	$1,585
*USAA is not included in the rankings as it is only available for current and former military members and their families.

Auto insurance that includes liability as well as comprehensive and collision coverage is known as a full coverage policy. This policy is the best way to ensure that both you and your car are protected if you get into an accident or anything happens to your car.

Cheapest company for drivers with an accident record: CSAA

Drivers in Arizona that have been in an accident where they are considered to be at fault should get auto insurance from CSAA — which offered the cheapest quotes for these drivers, according to our research.

	$/year	$/month
CSAA	$2,760	$230
State Farm	$2,760	$230
GEICO	$2,769	$231

In Arizona, having an at-fault accident on your driving record could cause your auto insurance rates to increase by 46%. This translates to an extra $104 per month in premiums compared to the rate you would have with a driving record.

Best auto insurance companies in Arizona

We conducted a survey of current customers and found that USAA is the best auto insurance company in Arizona, when considering their claims and customer service satisfaction.

However, since not everyone will be eligible for USAA insurance — only military members, veterans and their family members can get insurance through them — American Family and State Farm are good choices, as well. These companies also received high marks from their policyholders that we surveyed.

Overall rank*	Group	% of respondents overall extremely satisfied with their most recent claim	% of respondents who rated customer service as "excellent"
1	USAA	78%	62%
2	American Family	86%	50%
3	State Farm	73%	46%
4	Allstate	72%	47%
5	Farmers	71%	38%
6	Progressive	74%	34%
7	GEICO	64%	42%
8	CSAA	44%	32%
NA	Hartford	NA	NA
* Overall rank takes both overall satisfaction and customer service rankings into account.

Cheapest auto insurance in Arizona: By city

How much you pay for auto insurance depends in large part on where you live and park your car in the Grand Canyon State.

Generally speaking, the price of auto insurance is cheaper in more rural and less populated areas and more expensive in big cities — where crime and accident rates are higher.

Below we've listed the three cheapest companies for a full coverage policy in the 50 biggest cities in the state.

City	Insurance company	Annual insurance rate
Phoenix	GEICO	$2,165
	Progressive	$2,488
	American Family	$2,629
Tucson	GEICO	$1,766
	CSAA	$2,041
	Progressive	$2,073
Mesa	GEICO	$1,870
	Progressive	$2,136
	Hartford	$2,353
Chandler	GEICO	$1,903
	Progressive	$2,019
	American Family	$2,304
Scottsdale	GEICO	$1,831
	CSAA	$2,076
	Progressive	$2,114
Glendale	GEICO	$2,073
	Progressive	$2,369
	CSAA	$2,606
Gilbert	GEICO	$1,920
	Progressive	$2,143
	Hartford	$2,200
Tempe	GEICO	$1,881
	Progressive	$2,089
	American Family	$2,341
Peoria	GEICO	$1,932
	Hartford	$2,097
	Progressive	$2,194
Surprise	GEICO	$1,850
	Progressive	$2,130
	Hartford	$2,186
Avondale	GEICO	$2,062
	Progressive	$2,323
	CSAA	$2,431
Goodyear	GEICO	$1,769
	Hartford	$1,964
	Progressive	$2,077
Buckeye	GEICO	$1,787
	Hartford	$1,954
	Progressive	$2,177
Flagstaff	GEICO	$1,648
	CSAA	$1,698
	Hartford	$1,792
Casa Grande	GEICO	$1,724
	Progressive	$1,957
	Hartford	$2,091
Lake Havasu City	CSAA	$1,466
	Progressive	$1,482
	GEICO	$1,483
Maricopa	GEICO	$1,700
	Progressive	$1,960
	Hartford	$2,029
Marana	GEICO	$1,713
	Hartford	$1,870
	CSAA	$2,003
Prescott Valley	GEICO	$1,622
	Hartford	$1,821
	Progressive	$1,840
Oro Valley	GEICO	$1,624
	CSAA	$1,856
	Progressive	$1,902
Sierra Vista	GEICO	$1,476
	CSAA	$1,559
	Progressive	$1,616
Prescott	GEICO	$1,667
	Progressive	$1,808
	Hartford	$1,844
Apache Junction	GEICO	$1,773
	Progressive	$1,998
	Hartford	$2,278
Bullhead City	GEICO	$1,462
	CSAA	$1,574
	American Family	$1,662
El Mirage	GEICO	$2,036
	Hartford	$2,166
	CSAA	$2,239
San Luis	GEICO	$1,667
	Progressive	$1,684
	Hartford	$1,829
Kingman	GEICO	$1,483
	CSAA	$1,532
	Progressive	$1,572
Sahuarita	GEICO	$1,462
	Hartford	$1,773
	Progressive	$1,853
Florence	GEICO	$1,700
	Hartford	$1,899
	Progressive	$1,905
Fountain Hills	GEICO	$1,674
	Hartford	$1,733
	Progressive	$1,981
Nogales	GEICO	$1,557
	Hartford	$1,717
	Progressive	$1,821
Eloy	GEICO	$1,745
	Progressive	$1,945
	Hartford	$2,016
Douglas	GEICO	$1,523
	Progressive	$1,568
	State Farm	$1,733
Paradise Valley	GEICO	$1,858
	Progressive	$2,130
	American Family	$2,285
Cottonwood	GEICO	$1,622
	Progressive	$1,790
	Hartford	$1,794
Chino Valley	GEICO	$1,684
	State Farm	$1,795
	Progressive	$1,854
Camp Verde	GEICO	$1,654
	Hartford	$1,809
	Progressive	$1,870
Sedona	GEICO	$1,638
	CSAA	$1,734
	Progressive	$1,879
Wickenburg	Progressive	$1,782
	GEICO	$1,787
	CSAA	$1,882
Page	GEICO	$1,660
	CSAA	$1,768
	Hartford	$1,792
Youngtown	GEICO	$2,036
	State Farm	$2,162
	Progressive	$2,165
Guadalupe	GEICO	$1,891
	Progressive	$2,107
	American Family	$2,387
Snowflake	GEICO	$1,583
	State Farm	$1,786
	Hartford	$1,856
Cave Creek	GEICO	$1,886
	Progressive	$2,085
	CSAA	$2,185
South Tucson	GEICO	$1,784
	Progressive	$2,094
	Hartford	$2,172
Bisbee	CSAA	$1,567
	GEICO	$1,569
	Progressive	$1,611
Thatcher	GEICO	$1,529
	Progressive	$1,564
	CSAA	$1,593
Holbrook	GEICO	$1,583
	Hartford	$1,873
	Progressive	$1,885
Eagar	GEICO	$1,565
	Progressive	$1,871
	Hartford	$1,893
Benson	GEICO	$1,535
	Progressive	$1,728
	CSAA	$1,775

To show how rates differ by city, we broke down car insurance prices in more detail the five biggest cities in Arizona: Phoenix, Tucson, Mesa, Chandler and Scottsdale.

Phoenix, AZ

Average annual car insurance rate = $3,424

27% higher than the Arizona average

Highest average insurance cost in the state

Nevertheless, cheap car insurance in Phoenix can be found if you know where to look. In our analysis, we found that GEICO, Progressive and American Family had the lowest rates for our drivers compared to other insurers in our sample. Quotes at these three companies averaged about 29% — or $997 — lower than the city mean.

Tucson, AZ

Average annual rate = $2,825

5% greater than the state average

$161 more expensive than the average car insurance cost in Marana

Drivers looking to get cheap insurance in Tucson should consider GEICO, CSAA and Progressive — which offered our profile drive the most affordable rates for a full coverage policy. Premiums from these companies were, on average, 31% less than the citywide mean.

Mesa, AZ

Average annual car insurance cost in Mesa = $2,973

10% greater than AZ mean

$274 more per year than the state average

To get the cheapest car insurance in Mesa, we recommend getting quotes from GEICO, Progressive and Hartford. These companies provided our profile driver with rates that averaged $2,120 per year for a full coverage policy, which is 29% less than the Mesa mean.

Chandler, AZ

Average annual car insurance cost = $2,909

8% greater than the statewide average

15% cheaper than the cost of car insurance in Phoenix

For cheap auto insurance in Chandler, drivers should consider GEICO, Progressive and American Family. The average annual cost of insurance premiums from these three companies was $2,075, according to our study — which is 29% less than the city average.

Scottsdale, AZ

Annual auto insurance rates = $2,772

8% higher than the average cost of auto insurance coverage across Arizona

$521 less per year than the mean car insurance cost in Phoenix

To make sure drivers are getting the best car insurance quotes, we recommend GEICO, CSAA and Progressive as three companies that are likely to offer you the cheapest rates. In our analysis, these companies quoted an average annual rate of $2,007 for our profile driver — 31% less than the Scottsdale city average.

Cost of car insurance: By city

Full coverage auto insurance costs in Arizona ranged from $2,096 to $3,424 across the 50 cities we included in our study.

The cheapest car insurance in the state can be found in Lake Havasu City, where our profile driver was quoted an average rate of $175 per month for full coverage auto insurance.

See below for a full list of average insurance prices for the cities included in our study:

Rank	City	Average annual car insurance rate
1	Lake Havasu City	$2,096
2	Bullhead City	$2,122
3	Thatcher	$2,141
4	Douglas	$2,154
5	Kingman	$2,166
6	Sierra Vista	$2,167
7	Prescott Valley	$2,208
8	Benson	$2,247
9	Cottonwood	$2,249
10	Chino Valley	$2,253
11	Prescott	$2,262
12	Bisbee	$2,263
13	Page	$2,315
14	Sedona	$2,346
15	San Luis	$2,367
16	Eagar	$2,381
17	Holbrook	$2,381
18	Flagstaff	$2,388
19	Camp Verde	$2,409
20	Wickenburg	$2,425
21	Snowflake	$2,443
22	Sahuarita	$2,480
23	Nogales	$2,494
24	Eloy	$2,573
25	Florence	$2,577
26	Oro Valley	$2,596
27	Marana	$2,663
28	Casa Grande	$2,666
29	Maricopa	$2,751
30	Goodyear	$2,756
31	Fountain Hills	$2,760
32	Apache Junction	$2,784
33	Tucson	$2,825
34	South Tucson	$2,840
35	Buckeye	$2,840
36	Surprise	$2,876
37	Gilbert	$2,883
38	Scottsdale	$2,903
39	Chandler	$2,909
40	Cave Creek	$2,939
41	Peoria	$2,965
42	Mesa	$2,973
43	Paradise Valley	$2,982
44	Tempe	$3,026
45	Youngtown	$3,053
46	El Mirage	$3,082
47	Guadalupe	$3,087
48	Avondale	$3,139
49	Glendale	$3,285
50	Phoenix	$3,424

Minimum auto insurance requirements in Arizona

Arizona drivers are required to carry a minimum amount of car insurance, though limits are lower than in most other states.

	Coverage	Minimum limit
In Arizona, you need to carry the following limits to be street legal:	Bodily injury liability	$15,000 per person / $30,000 per accident
	Property damage liability	$10,000

Source: Mark, valuepenguin