Find Cheaper Car Insurance Rates in Arizona 2024

Enter your Arizona Auto Insurance zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Cost and performance of the vehicle you are insuring is a significant factor in finding cheap car insurance in Arizona. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than more modest models. The information below presents car insurance costs for a selection of the most economical automobiles to insure.

Auto Insurance Rates for Popular Cars in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,038 $519 $87
Ford Focus SE 4-Dr Sedan $1,014 $507 $85
Honda Accord EX 2-Dr Coupe $1,166 $583 $97
Honda Civic LX-S 4-Dr Sedan $1,078 $539 $90
Hyundai Sonata GLS 4-Dr Sedan $1,102 $551 $92
Nissan Altima 2.5 S 4-Dr Sedan $1,102 $551 $92
Toyota Corolla LE $1,102 $551 $92
Volkswagen Jetta SEL 4-Dr Sedan $1,126 $563 $94
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can influence premium rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Hybrid 4WD $1,456 $728 $121
Chevrolet Traverse LTZ AWD $988 $494 $82
Ford Escape XLS 2WD $876 $438 $73
Ford Explorer Limited AWD $1,062 $531 $89
GMC Acadia SLE AWD $1,038 $519 $87
Honda CR-V EX 4WD $900 $450 $75
Honda Fit Sport VSA $936 $468 $78
Honda Pilot EX-L 2WD $1,062 $531 $89
Jeep Grand Cherokee SRT-8 4WD $1,126 $563 $94
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,098 $549 $92
Kia Sportage LX 4WD 4-Dr $1,038 $519 $87
Toyota 4Runner Limited 4WD $1,076 $538 $90
Toyota Highlander Limited 4WD $1,150 $575 $96
Toyota RAV4 Sport 2WD $1,038 $519 $87
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in vehicle location which can impact coverage prices considerably.

Car Insurance Rates for Popular Pickup Trucks in Arizona
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado LS Crew Cab 4WD $1,126 $563 $94
Dodge Ram 3500 Mega Cab SLT 4WD $1,550 $775 $129
Dodge Ram Quad Cab Laramie 2WD $1,214 $607 $101
Ford F-150 XLT Super Cab 4WD $998 $499 $83
Ford F-250 XL Crew Cab Harley Turbo Diesel 4WD $1,364 $682 $114
GMC Sierra 2500HD SLT Extended Cab 2WD $1,256 $628 $105
GMC Sierra 3500HD SLE Extended Cab 4WD $1,340 $670 $112
GMC Sierra SLT Crew Cab 4WD $1,216 $608 $101
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,062 $531 $89
Toyota Tundra SR/5 Crew Max 4WD $1,214 $607 $101
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Arizona location which can affect premium rates greatly.

Deciding which insurers offer the best car insurance rates in Arizona will require a little more effort in order to find a policy that fits your budget.

Each insurance company uses a different method to set policy rates, so let’s take a look at the most budget-friendly car insurance companies in Arizona. It’s important that readers know that Arizona car insurance rates are impacted by many things that control the price you pay. Simply having another birthday, buying a new vehicle, or getting a ticket for running a stop sign may cause policy rate changes that can cause some rates to be more affordable than the competition.

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Cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $811
2 Safeco $905
3 Auto-Owners $915
4 Travelers $1,119
5 USAA $1,124
6 GEICO $1,142
7 Progressive $1,152
8 CSAA $1,177
9 Ameriprise Group $1,184
10 Allied $1,245
11 Farm Bureau Mutual $1,247
12 Safe Auto $1,336
13 Unitrin $1,343
14 State Farm $1,364
15 Farmers $1,391
16 Amica $1,429
17 Titan $1,461
18 American Family $1,478
19 MetLife $1,567
20 California Casualty $1,568
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The Hartford may have some of the cheapest car insurance rates in Arizona at around $811 each year. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the cheapest Arizona car insurance companies.

In the above rates, if you currently have a policy with Auto-Owners and switched to The Hartford, you may see savings of upwards of $104. Customers with Travelers might save as much as $308 a year, and USAA policyholders might lower prices by up to $313 a year.

To find out how your current rates compare, click here to get quotes or click several companies below for low rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

These premium estimates are averaged across all ages of drivers and types of vehicles and are not factoring in a price decrease in Arizona. So the car insurance company that can offer the best rates for your situation may not even be in the above list. That points out the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

For drivers in Arizona, one of the more important criteria that are looked at to determine auto insurance rates is where you normally keep your vehicle in Arizona. Areas with more people or higher crime rates like Phoenix, San Tan Valley, and Tempe will most likely have higher rates, whereas areas with less congestion have the luxury of cheap car insurance in Arizona.

The next table ranks the highest-priced places in Arizona to purchase auto insurance in.

Car insurance prices in Arizona
Rank City Premium Per Year
1 Phoenix $1,218
2 Glendale $1,190
3 San Tan Valley $1,185
4 Avondale $1,174
5 Tempe $1,152
6 Mesa $1,147
7 Goodyear $1,131
8 Scottsdale $1,129
9 Chandler $1,126
10 Buckeye $1,122
11 Maricopa $1,118
12 Gilbert $1,108
13 Peoria $1,104
14 Surprise $1,090
15 Casas Adobes $1,082
16 Tucson $1,061
17 Casa Grande $1,057
18 Catalina Foothills $1,040
19 Oro Valley $1,020
20 Yuma $992
21 Flagstaff $969
22 Prescott $914
23 Bullhead City $905
24 Sierra Vista $872
25 Lake Havasu City $844
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Information shown are estimated as specific Arizona garaging address can affect coverage rates noticeably.

Car insurance companies ranked

Insuring your vehicle with a good quality car insurance provider is hard considering how many choices you have in Arizona. The rank data shown below may help you decide which providers to look at when comparing rates. These rankings are only made up of the largest companies in America, so companies without a large exposure are not factored into the list.

Top 10 Major Auto Insurance Providers in Arizona Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. State Farm
  7. AAA Insurance
  8. Mercury Insurance
  9. Nationwide
  10. Allstate

The information below shows how different deductible levels can impact insurance premiums when searching for cheap insurance in Arizona. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

A 30-year-old driver could cut expenses by $236 a year by switching from a $100 deductible to a $500 deductible, or save $358 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could potentially save $508 or even more by using a higher deductible. When choosing a higher deductible, it is essential to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Rate comparison of full coverage and liability-only

Finding cheap car insurance in Arizona is important to the majority of vehicle owners, and one easy way to buy cheap insurance is to not buy full coverage. The diagram below compares insurance rates when comparing full coverage to liability only. The premiums are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied.

Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,681 per year over having just liability coverage. That amount may make you wonder if buying full coverage is a waste of money. There is no definitive rule that is best for determining when to drop full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Why you should shop around

Arizona car insurance rates are determined by lots of factors that may substantially change the cost of your policy. Improving your credit rating, moving to a new city, or getting a driving violation can cause premium changes that can make some companies cheaper than competitors. Not only that, but insurers change their prices as often as every three months to ensure their profitability. Higher than normal claims can cause increased rates, while profitable underwriting can produce cheaper Arizona car insurance rates.

To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in Arizona for a 30-year-old female driver with a clean driving record, no accidents, and solid credit. When comparing rates based on her personal risk profile, The Hartford might offer the cheapest car insurance rates in Arizona at $836 a year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining top five cheapest Arizona auto insurance companies.

The example below compares rates after we give the driver in the first chart a couple of claims, slightly worse credit, and a traffic citation. Since each insurance company uses a different method to set their prices, comparing prices will most likely result in a substantially altered list of the cheapest car insurance companies in Arizona as shown below.

GEICO now has the lowest car insurance rate in Arizona with Allied, Ameriprise Group, CSAA, and Safeco now being in the top five. This example illustrates why it is so important to spend some time comparing rates when trying to find the best auto insurance quotes in Arizona. Prices can be altered by many different factors and can change without notice, so the most affordable company the last time you checked may now be quite expensive.

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Frequently Asked Questions

How can I find cheaper car insurance?

Finding cheaper car insurance involves a few key steps:

  1. Shop around: Compare quotes from multiple insurance providers to find the best rates and coverage options for your specific needs.
  2. Raise your deductible: Consider increasing your deductible amount, which is the portion you pay out of pocket in the event of a claim. A higher deductible usually results in lower premium payments.
  3. Opt for a lower coverage level: Evaluate your insurance coverage and determine if you can reduce certain types of coverage or coverage limits to lower your premium. However, ensure that you maintain the necessary coverage required by law and adequately protect yourself.
  4. Take advantage of discounts: Many insurance companies offer various discounts, such as safe driver discounts, multi-policy discounts, and discounts for anti-theft devices or safety features in your vehicle. Inquire about these discounts and see if you qualify for any.
  5. Maintain a good driving record: Avoid traffic violations and accidents, as insurance providers often offer better rates to drivers with clean records. Consider taking defensive driving courses to improve your driving skills and potentially qualify for additional discounts.
  6. Consider usage-based insurance: Some insurance companies offer programs where they monitor your driving habits using telematics devices or mobile apps. If you have safe driving habits, you could be rewarded with lower premiums.

Are online insurance comparison websites reliable for finding cheaper car insurance?

Online insurance comparison websites can be a valuable tool in your search for cheaper car insurance. These platforms allow you to compare quotes from multiple insurance companies conveniently. However, it’s important to exercise caution and consider the following:

  • Compare multiple websites: Use multiple comparison websites to ensure you get a comprehensive view of the available options. Some websites may have partnerships with specific insurance providers, so comparing across platforms will give you a broader perspective.
  • Verify the information: Double-check the details you provide when requesting quotes to ensure accuracy. Even a small error can lead to inaccurate quotes.
  • Research the insurance companies: Before finalizing your decision, research the insurance companies you are considering. Look into their reputation, customer reviews, and financial stability. It’s important to choose a reliable company that will be there for you in case of a claim.
  • Contact insurance providers directly: While comparison websites are convenient, consider reaching out to insurance providers directly as well. Sometimes they offer exclusive discounts or promotions that may not be available through comparison websites.

Does my credit score affect my car insurance rates?

Yes, in many cases, your credit score can affect your car insurance rates. Insurance companies often consider your credit score when calculating premiums. Studies have shown a correlation between credit history and insurance risk, with individuals who have lower credit scores being statistically more likely to file insurance claims.

To mitigate the impact of your credit score on car insurance rates, you can:

  • Improve your credit score: Take steps to improve your credit by paying bills on time, reducing debt, and monitoring your credit report for inaccuracies.
  • Seek insurance companies that use other rating factors: Not all insurance companies heavily rely on credit scores to determine rates. Some providers may place more emphasis on other factors such as driving record, age, or vehicle type. Consider shopping around and comparing quotes from various insurance companies to find the one that considers factors more aligned with your situation.

Can I negotiate with my insurance provider for lower car insurance rates?

While car insurance rates are typically based on predetermined factors such as your driving record, age, and vehicle type, it is possible to negotiate with your insurance provider for lower rates in certain cases. Here are some tips for negotiating:

  • Research and gather information: Before negotiating, research other insurance providers to find out what rates they offer for similar coverage. Having this information will give you a benchmark for negotiation.
  • Be prepared to switch providers: If your current provider is unwilling to lower your rates, be prepared to switch to a different company. This can serve as leverage during negotiations, as insurance companies may be more willing to offer discounts to retain customers.
  • Highlight your loyalty and clean driving record: If you have been a long-term customer with a good driving record, emphasize this during negotiations. Insurance companies may offer loyalty discounts or consider your track record when adjusting your rates.
  • Bundle policies: If you have multiple insurance policies, such as home and auto insurance, consider bundling them with the same provider. Insurance companies often offer discounts for bundling, which can lower your overall premiums.
  • Consider adjusting coverage: Discuss with your insurance provider whether adjusting certain types of coverage or coverage limits can result in lower rates. However, ensure that you maintain adequate coverage for your needs.

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