Guide to Cheapest Car Insurance in Arizona
Car insurance rates in Arizona are generally lower than the national average, making it an attractive place for drivers looking to save on coverage. Whether you’re looking for minimum coverage or comprehensive policies, understanding the options available and knowing which companies offer the best rates is key. In this guide, we’ll walk you through the cheapest car insurance in Arizona for 2025, how much you’ll pay on average, and how you can save even more on your premiums.
Key Takeaways
- Cheapest company for minimum coverage: Geico
- Cheapest company for full coverage: Travelers
- Cheapest car insurance in Arizona for drivers with prior incidents: Geico and Travelers
- Cheapest car insurance in Arizona for young drivers: Geico and Travelers
Cheapest Car insurance in Arizona has its variations depending on factors like the level of coverage, driving record, age, and even the city you live in. Below, we break down the cheapest rates across various categories to help you make an informed decision for 2025.
How Much Does Car Insurance in Arizona Cost?
Arizonans pay an average of $827 annually for minimum coverage and $2,744 for full coverage. These numbers are less than the national averages, which are $767 for minimum coverage and $2,638 for full coverage. However, your premium depends on several factors, including your driving history, the car you drive, and your location.
Cheapest Car Insurance Companies in Arizona for Minimum Coverage
If you’re looking for the most affordable car insurance to meet Arizona’s minimum requirements, Geico is your best bet. Arizona law requires you to carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
These limits are the minimum you need, but they might not offer full protection in the event of an accident. If you’re only seeking basic coverage, here’s a breakdown of the cheapest car insurance providers for minimum coverage in Arizona:
| Insurance Company | Avg. Annual Premium | Avg. Monthly Premium | Savings vs. State Average |
|---|---|---|---|
| Geico | $421 | $35 | -$406 |
| Travelers | $492 | $41 | -$335 |
| USAA | $598 | $50 | -$229 |
| Progressive | $618 | $51 | -$209 |
| Mercury | $674 | $56 | -$153 |
Minimum Coverage Requirements in Arizona
Arizona requires the following minimum coverage for all drivers:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
While minimum coverage is the cheapest option, it’s important to note that it won’t cover your own vehicle in case of damage, such as from an accident you cause or vandalism.
Cheapest Car Insurance in Arizona for Full Coverage
While full coverage costs more, it provides comprehensive protection for both your vehicle and others. It typically includes collision and comprehensive coverage, which protect against accidents, theft, fire, vandalism, and more. Travelers offers the lowest rates for full coverage in Arizona.
| Insurance Company | Avg. Annual Premium | Avg. Monthly Premium | Savings vs. State Average |
|---|---|---|---|
| Travelers | $1,467 | $122 | -$1,277 |
| Geico | $1,505 | $125 | -$1,239 |
| USAA | $1,975 | $165 | -$769 |
| Nationwide | $2,060 | $172 | -$684 |
| Progressive | $2,184 | $182 | -$560 |
Cheapest Car Insurance for Drivers with Prior Incidents in Arizona
If you’ve had a speeding ticket, at-fault accident, or another violation on your driving record, your car insurance premiums will likely be higher. However, you can still find affordable options. Geico tends to offer lower rates for drivers with a speeding ticket, while Travelers is your best option if you’ve had an at-fault accident.
Cheapest for Drivers with a Speeding Ticket:
| Insurance Company | Avg. Annual Premium (Min) | Avg. Annual Premium (Full) |
|---|---|---|
| Geico | $481 | $1,757 |
| Travelers | $619 | $1,931 |
| USAA | $779 | $2,565 |
Cheapest for Drivers with an At-Fault Accident:
| Insurance Company | Avg. Annual Premium (Min) | Avg. Annual Premium (Full) |
|---|---|---|
| Travelers | $647 | $2,002 |
| Geico | $733 | $2,605 |
| USAA | $986 | $3,087 |
Cheapest for High-Risk Drivers:
| Insurance Company | Avg. Annual Premium (Min) | Avg. Annual Premium (Full) |
|---|---|---|
| Travelers | $722 | $2,191 |
| Progressive | $739 | $2,686 |
| Mercury | $1,038 | $3,480 |
Cheapest Car Insurance in Arizona for Young Drivers
Young drivers, especially teenagers, tend to pay significantly higher premiums due to their lack of experience and higher risk of accidents. In Arizona, Geico offers the lowest rates for teens on both minimum and full coverage.
| Insurance Company | Avg. Annual Premium (Min) | Avg. Annual Premium (Full) |
|---|---|---|
| Geico | $1,187 | $3,826 |
| Travelers | $1,273 | $3,496 |
| Nationwide | $1,564 | $3,218 |
Cheapest Car Insurance in Arizona for Teens with a Speeding Ticket:
| Insurance Company | Avg. Annual Premium (Min) | Avg. Annual Premium (Full) |
|---|---|---|
| Travelers | $1,759 | $5,347 |
| Geico | $1,883 | $6,031 |
Cheapest Car Insurance in Arizona Cities
Your location within Arizona plays a significant role in your car insurance premiums. Typically, drivers in rural areas with less risk of accidents and lower living costs can expect to pay less for their policies. Cities like Ganado and Chambers offer some of the lowest rates for both minimum and full coverage.
| City | Avg. Annual Premium (Min) | Avg. Annual Premium (Full) |
|---|---|---|
| Ganado | $632 | $290 |
| Chambers | $624 | $290 |
| Teec Nos Pos | $640 | $290 |
Discounts on Cheapest Car Insurance in Arizona
To further reduce your premiums, be sure to take advantage of discounts such as:
- Safe driver discounts for those with no accidents or violations
- Young driver discounts for teens or young adults
- Claims-free discounts for drivers who go without making claims for several years
- Vehicle-based discounts for cars with safety features like airbags or anti-lock brakes
- Bundling discounts for purchasing multiple policies from the same insurer
Frequently Asked Questions on Cheapest Car Insurance in Arizona
What is the best car insurance company in Arizona?
The best car insurance provider depends on your individual needs. If you have a clean driving record, Geico or Travelers are great options. For young drivers or those with prior incidents, Travelers may offer the most affordable rates.
How much does car insurance in Arizona cost?
On average, Arizona drivers pay $2,744 annually for full coverage and $827 for minimum coverage. However, rates will vary based on factors such as your driving record and vehicle type.
How do I get the cheapest car insurance in Arizona?
To find the cheapest car insurance in Arizona, shop around, compare quotes, and ask about available discounts. Ensure that your driving history and vehicle details are up-to-date to get accurate quotes.
Why is my car insurance so expensive in Arizona?
Several factors can cause your premiums to be higher, including accidents, violations on your record, and the type of car you drive. It’s also possible that you live in an area with higher accident rates.
By following these tips and exploring various companies, you can ensure that you’re getting the best possible deal on car insurance in Arizona for 2025. Start shopping for your next policy today and see how much you can save!
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