Cheap Car Insurance in Arizona

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Finding cheap car insurance in Arizona

Looking for cheap car insurance in Arizona? We've compiled average premiums by company and city so you can see how prices compare. 

Because rates can vary considerably by company, it's important to compare quotes if you're looking for cheap car insurance in Arizona. You can potentially save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in Arizona for large insurance companies. The prices below reflect rates for one driver with a clean record and insuring one vehicle. Your own rates will be different.

(Click to see reviews)
Average monthly premium
AAA Insurance $100
The Hartford $106
Farmers $117
American Family $119
State Farm $121
USAA $121
Geico $123
Allstate $123
Safeco $124.50
Progressive $127
Liberty Mutual $132
Source: EverQuote. See full methodology below.

Keep in mind that the cheapest car insurance company in Arizona for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims. If you've recently added problems to your driving record, don't be afraid to shop around.

Recent auto insurance rate changes approved by Arizona

Even if you have a good driving record, you could receive a car insurance rate increase at renewal time.

Car insurance companies often blame a rise in car accidents, higher car-repair costs and higher medical bills as reasons for rate increases.

Insurance companies must file their proposed rate increases and decreases with the state. Below are rate changes recently approved by the Arizona department of insurance. These rate changes may not affect all customers in the state. If you are affected by a rate change, you'll get a notice at renewal time. The effective dates below show when the rate changes will start rolling out.

Company Effective date Rate change % 

(   ) = decrease

Austin Mutual Insurance Co. 9/1/18 31.500
Economy Fire & Casualty Co.,

Metropolitan General Insurance Co.

8/21/18 26.900
Crestbrook Insurance Co. 7/1/18 25.600
Mutual of Enumclaw Insurance Co. 6/24/18 15.000
American Family Insurance Co. 6/1/18 6.100
American Standard Insurance Co. of Wisconsin 6/1/18 6.500
American Family Mutual Insurance Co. 6/1/18 5.000
IDS Property Casualty Insurance Co. 5/27/18 10.000
Metromile Insurance Co. 5/16/18 (14.800)
Arizona Automobile Insurance Co. 5/10/18 3.900
Electric Insurance Co. 5/6/18 7.500
Unitrin Direct Insurance Co. 4/29/18 4.500
MGA Insurance Co. 4/27/18 2.200
Encompass Property and Casualty Co. 4/26/18 0.010
Mercury Casualty Co. 4/25/18 2.170
Farmers Insurance Co. of Arizona 4/24/18 0.000
Mendota Insurance Co. 4/18/18 6.400
Farmers Insurance Co. of Arizona 4/16/18 0.000
Metropolitan Group Property and Casualty Insurance Co. 4/15/18 2.000
Midvale Indemnity Co. 4/15/18 28.700
Progressive Advanced Insurance Co.,

Progressive Preferred Insurance Co.

4/13/18 (0.740)
Main Street America Protection Insurance Co. 4/10/18 (2.000)
Nevada General Insurance Co. 4/1/18 16.100
Source: S&P Global Market Intelligence

Arizona car insurance rates after accidents & speeding tickets

We looked at premiums reported by EverQuote users in Arizona who had an accident or speeding ticket on their records compared to those with clean records. Here are the average rate differences in Arizona.

On driving record Average monthly premium difference vs. clean record in Arizona
Speeding ticket 30%
Accident 39%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s how much Arizona drivers are speeding and using their phones while driving.

Arizona car insurance rates by city

We also analyzed Arizona auto insurance rates reported by EverQuote users in various cities. Drivers in Tucson reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Tucson $116
Mesa $120
Chandler $121
Scottsdale $122
Gilbert $125
Peoria $125
Surprise $129
Tempe $129.50
Phoenix $131
Glendale $136
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Arizona

You'll typically find cheap car insurance by comparing prices and keeping a clean driving record.

Other ways to save generally include:

  • Ask your agent to review the possible auto insurance discounts. Get a "bundling" discount by buying auto and homeowners or renters insurance from the same company. 
  • Find out from your agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 30, 2018

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