Cheapest Car Insurance in Arizona (Updated Rates For 2022)


Cheapest Car Insurance in Arizona.

Car insurance is significantly less in Arizona when you compare prices to other states. You’re in the right place if you’re on a budget. Below, we compared and analyzed the cheapest car insurance in Arizona.

You will find information on cheap auto insurance for full coverage and minimum coverage. We also go over car insurance prices for AZ drivers with a speeding ticket, accident, or DUI.

Annual and monthly car insurance payments for drivers with poor credit is also listed. You will find the cheapest Arizona auto insurance rates no matter if you are 20, 25, 30, or 65+.

Table of Contents

Overview of the Cheapest Car Insurance in Arizona

For Minimum Coverage: GEICO offers cheap auto insurance for minimum coverage at $468 annually or $39 a month.

Cheapest Full Coverage: GEICO also offers the cheapest full coverage car insurance at $653 a year or $54.42 a month. 

For Drivers With One At-Fault Accident: GEICO is the best option for drivers with one at-fault accident. Going with GEICO will cost you $927 a year or $77.25 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1038 annually or $86.50 a month with Progressive.

For Drivers With a Speeding Ticket: GEICO offers the lowest priced auto insurance at $762 a year or $63.50 a month.

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Cheapest For Drivers With Poor Credit: If you have poor credit, GEICO is the cheapest option for auto insurance. Getting GEICO insurance will cost you $1326 a year or $110.50 per month.

We excluded USAA from these Arizona insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in Arizona

If you want the bare minimum coverage in Arizona, these are the lowest rates:

Insurance CompanyAnnual RateMonthly Rate
GEICO$468$39.00
USAA$489$40.75
Progressive$647$53.92
CSAA$690$57.50
Country Financial$730$60.83

Cheapest Full Coverage Car Insurance in Arizona

These are the rates you can expect in Arizona if you want to be fully covered when driving:

Insurance CompanyAnnual RateMonthly Rate
USAA$603$50.25
GEICO$653$54.42
Progressive$888$74.00
Country Financial$915$76.25
Nationwide$932$77.67

Cheap Car Insurance in Arizona For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in AZ may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Arizona Car Insurance With a Speeding Ticket

Here are the cheapest car insurance in AZ for a driver with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
GEICO$762$63.50
USAA$773$64.42
CSAA$1,038$86.50
Nationwide$1,068$89.00
Country Financial$1,127$93.92

Cheap Arizona Auto Insurance With One At-Fault Accident

These are the cheapest options when it comes to car insurance for AZ drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
GEICO$927$77.25
USAA$952$79.33
CSAA$1,038$86.50
American Family$1,169$97.42
State Farm$1,241$103.42

Cheap Arizona Car Insurance With a DUI

These insurance companies each have cheap annual rates for AZ drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,038$86.50
State Farm$1,137$94.75
American Family$1,169$97.42
CSAA$1,237$103.08
Country Financial$1,279$106.58

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Cheapest Auto Insurance For Arizona Drivers With Poor Credit

If you’re located in Arizona and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,225$102.08
GEICO$1,326$110.50
Progressive$1,803$150.25
Country Financial$1,858$154.83
Nationwide$1,891$157.58

Cheapest Car Insurance For 20-Year-Old Drivers in Arizona

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in AZ.

Cheapest Full Coverage Car Insurance For 20-Year-Old Arizona Drivers

These companies have the cheapest full coverage auto insurance for 20-year-olds in AZ.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,357$113.08
GEICO$1,469$122.42
Progressive$1,998$166.50
Country Financial$2,059$171.58
Nationwide$2,096$174.67

Cheapest Minimum Coverage Car Insurance in Arizona For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds are these companies in AZ.

Insurance CompanyAnnual RateMonthly Rate
GEICO$1,052$87.67
USAA$1,101$91.75
Progressive$1,455$121.25
CSAA$1,553$129.42
Country Financial$1,642$136.83

Cheap Auto Insurance For 20-Year-Old Arizona Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old AZ drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,757$229.75
GEICO$2,984$248.67
Progressive$4,059$338.25
Country Financial$4,182$348.50
Nationwide$4,258$354.83

Cheap Car Insurance For 20-Year-Old Arizona Drivers With a Speeding Ticket

These insurers have the least expensive car insurance for 20-year-old AZ drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
GEICO$1,714$142.83
USAA$1,740$145.00
CSAA$2,335$194.58
Nationwide$2,404$200.33
Country Financial$2,536$211.33

Cheap Auto Insurance in Arizona For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

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Insurance CompanyAnnual RateMonthly Rate
Progressive$2,335$194.58
State Farm$2,559$213.25
American Family$2,631$219.25
CSAA$2,783$231.92
Country Financial$2,878$239.83

Cheap Car Insurance in Arizona For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in AZ with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
GEICO$2,085$173.75
USAA$2,142$178.50
CSAA$2,335$194.58
American Family$2,631$219.25
State Farm$2,792$232.67

Cheapest Car Insurance For 25-Year-Old Drivers in Arizona

25 is the age when AZ auto insurance premiums start to decline quicker. This means living in Arizona, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Arizona Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in AZ:

Insurance CompanyAnnual RateMonthly Rate
USAA$760$63.33
GEICO$823$68.58
Progressive$1,119$93.25
Country Financial$1,153$96.08
Nationwide$1,174$97.83

Cheapest Minimum Coverage Car Insurance in Arizona For 25-Year-Old Drivers

These auto insurers has the cheapest minimum coverage car insurance for AZ 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
GEICO$589$49.08
USAA$617$51.42
Progressive$815$67.92
CSAA$870$72.50
Country Financial$919$76.58

Cheap Auto Insurance For 25-Year-Old Arizona Drivers With Poor Credit

25-year-old drivers with poor credit can use these companies for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,544$128.67
GEICO$1,672$139.33
Progressive$2,274$189.50
Country Financial$2,343$195.25
Nationwide$2,385$198.75

Cheap Car Insurance For 25-Year-Old Arizona Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old AZ drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
GEICO$960$80.00
USAA$974$81.17
CSAA$1,308$109.00
Nationwide$1,346$112.17
Country Financial$1,420$118.33

Cheap Auto Insurance in Arizona For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,308$109.00
State Farm$1,433$119.42
American Family$1,473$122.75
CSAA$1,559$129.92
Country Financial$1,612$134.33

Cheap Car Insurance in Arizona For 25-Year-Old Drivers With One At-Fault Accident

These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in AZ with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
GEICO$1,167$97.25
USAA$1,200$100.00
CSAA$1,308$109.00
American Family$1,473$122.75
State Farm$1,564$130.33

Cheapest Car Insurance For 30-Year-Old Drivers in Arizona

Arizona auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Arizona Drivers

Here are the cheapest car insurance options for 30-year-olds in AZ that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$603$50.25
GEICO$653$54.42
Progressive$888$74.00
Country Financial$915$76.25
Nationwide$932$77.67

Cheapest Minimum Coverage Car Insurance in Arizona For 30-Year-Old Drivers

Here are the cheapest auto insurance rates for 30-year-olds in AZ that want minimum coverage:

Insurance CompanyAnnual RateMonthly Rate
GEICO$468$39.00
USAA$489$40.75
Progressive$647$53.92
CSAA$690$57.50
Country Financial$730$60.83

Cheap Auto Insurance For 30-Year-Old Arizona Drivers With Poor Credit

These are the least expensive annual and monthly rates for 30-year-old AZ drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,225$102.08
GEICO$1,326$110.50
Progressive$1,803$150.25
Country Financial$1,858$154.83
Nationwide$1,891$157.58

Cheap Car Insurance For 30-Year-Old Arizona Drivers With a Speeding Ticket

Check out these AZ insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
GEICO$762$63.50
USAA$773$64.42
CSAA$1,038$86.50
Nationwide$1,068$89.00
Country Financial$1,127$93.92

Cheap Auto Insurance in Arizona For 30-Year-Old Drivers With a DUI

These insurers have the cheapest auto insurance prices for AZ 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,038$86.50
State Farm$1,137$94.75
American Family$1,169$97.42
CSAA$1,237$103.08
Country Financial$1,279$106.58

Cheap Car Insurance in Arizona For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in AZ with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
GEICO$927$77.25
USAA$952$79.33
CSAA$1,038$86.50
American Family$1,169$97.42
State Farm$1,241$103.42

Cheapest Car Insurance For Arizona Drivers Over 65 Years Old

Auto insurance prices in AZ will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For Arizona Drivers Over 65 Years Old

The cheapest full coverage auto insurance for AZ drivers over 65 years old comes from these insurers.

Insurance CompanyAnnual RateMonthly Rate
USAA$686$57.17
GEICO$746$62.17
Country Financial$961$80.08
Nationwide$987$82.25
Progressive$1,026$85.50

Cheapest Minimum Coverage Car Insurance in Arizona For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in AZ when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
GEICO$538$44.83
USAA$557$46.42
Progressive$737$61.42
Country Financial$774$64.50
State Farm$791$65.92

Cheap Auto Insurance For Arizona Drivers Over 65 Years Old With Poor Credit

If you have poor credit in AZ and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,393$116.08
GEICO$1,515$126.25
Country Financial$1,951$162.58
Nationwide$2,003$166.92
Progressive$2,083$173.58

Cheap Car Insurance For Arizona Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in AZ:

Insurance CompanyAnnual RateMonthly Rate
GEICO$873$72.75
USAA$883$73.58
Nationwide$1,116$93.00
State Farm$1,137$94.75
Country Financial$1,189$99.08

Cheap Auto Insurance in Arizona For Drivers Over The Age of 65 With a DUI

These car insurers has the least expensive auto insurance for AZ drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,137$94.75
American Family$1,287$107.25
Progressive$1,292$107.67
Country Financial$1,343$111.92
CSAA$1,502$125.17

Cheap Car Insurance in Arizona For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
GEICO$1,099$91.58
USAA$1,209$100.75
State Farm$1,241$103.42
American Family$1,287$107.25
CSAA$1,298$108.17

Arizona Minimum Auto Insurance Requirements

The state of Arizona has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $25,000 bodily injury liability per person and $50,000 total.
  2. A total of $15,000 per crash for property damage caused by the vehicle.

Methodology For Choosing Cheapest Arizona Auto Insurance

We compared rates from Arizona auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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