Cheapest Car Insurance in Arizona
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Insurers are ranked by price wherever Arizona publishes the figures, and you also get ways to cut your own bill.
- Legal minimum coverage costs $73 a month on average.
- Minimum liability limits are 25/50/15.
- Ranked 17th of 51 as the most expensive state (1st = highest).
Who offers the lowest price in Arizona?
Because Arizona doesn't publish a comparison of insurer prices, official figures can't rank every company in the state. On average, the least expensive legal policy costs $879 each year, or about $73 monthly (NAIC).
Get quotes for the same limits and deductibles from at least three insurers. Direct writers, local agents and regional companies often quote one driver very different prices.
Ways to spend less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $768 a year on the Arizona average.
- Raise your deductible; what you save in a year often beats the extra you'd pay for one claim.
- Ask by name for each discount: good student, bundling home and auto, multi-car, paying in full, safe-driving apps.
- At each renewal, compare prices again. If one price rises, that doesn't mean other companies increased theirs too.
Learn more about car insurance in Arizona
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