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Who Has the Cheapest Car Insurance Quotes in Arizona?

Who Has the Cheapest Car Insurance Quotes in Arizona?

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
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

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