Cheap Car Insurance in Arizona 2019

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Cheapest auto insurance companies in Arizona

Average Arizona auto insurance premiums by company

Company

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Average Arizona auto insurance premium

AAA Insurance/Auto Club

$1,515

Safeway Insurance

$1,529

The Hartford

$1,536

State Farm

$1,543

American Family

$1,554

Geico

$1,571

Allstate

$1,581

USAA

$1,607

Farmers Insurance

$1,610

Nationwide Insurance

$1,631

Safeco

$1,640

The General

$1,648

Progressive Insurance

$1,660

Travelers Insurance

$1,665

Liberty Mutual

$1,686

Esurance

$1,731

Infinity Insurance

$1,773


Average auto insurance premiums in Arizona

Arizona insurance increase after a speeding ticket

Arizona drivers who get a speeding ticket see an average insurance increase of 33%, which is more than the national average.

State Clean driving record Speeding ticket % increase
Arizona $1,584/year $2,111/year 33%
Nationwide average 26%

Insurance increase after an accident

Arizona drivers who cause an accident get an average insurance increase of 35%, which is close to the national average.

State Clean driving record Chargeable accident, no injury % increase
Arizona $1,939/year $2,133/year 35%
Nationwide average 36%

Average car insurance premiums in Arizona cities

City Average annual premium
Apache Junction

$1,464

Avondale

$1,701

Buckeye

$1,643

Bullhead City

$1,375

Casa Grande

$1,509

Chandler

$1,568

Flagstaff

$1,536

Gilbert

$1,607

Glendale

$1,773

Goodyear

$1,612

Kingman

$1,136

Lake Havasu City

$1,233

Laveen

$1,742

Maricopa

$1,570

Mesa

$1,581

Peoria

$1,578

Phoenix

$1,684

Prescott

$1,320

Prescott Valley

$1,418

Queen Creek

$1,606

Scottsdale

$1,660

Sun City

$1,428

Surprise

$1,622

Tempe

$1,661

Tucson

$1,536

Yuma

$1,436


Required auto insurance coverage in Arizona

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

You must show an insurance ID card (or other proof of financial responsibility) in Arizona if:

  • Law enforcement requests it
  • Your vehicle is involved in a car accident

Penalties for not having car insurance in Arizona

  • First offense: $500 fine and possible three-month license suspension
  • Second offense (within 36 months): $750 fine and possible six-month license suspension
  • Third offense (within 36 months): $1,000 fine and possible one-year license suspension

Source: Property Casualty Insurers Association of America

Updated Aug. 22, 2019

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