The best cheap car insurance in Arizona

  • Arizona drivers spend slightly less than the average American on car insurance, typically paying about $890 per year for premiums. 
  • GEICO offers Arizona drivers the lowest premiums at every credit level.
  • To find the right coverage for you, get quotes from several different insurance companies and compare them.
  • See Business Insider's picks for the best affordable car insurance companies » 

Car insurance rates in Arizona aren't incredibly high, though there are many factors other than where you live that could impact your premium, aka what you pay every year. 

Though there are lots of factors that go into how your premium is calculated, every auto insurance company looks at these factors differently, so what you'll pay to stay insured each year can vary pretty widely.

That said, it's important to shop around when you're looking for the best cheap car insurance in Arizona — you could be missing out on a much better policy from one company if you don't get multiple quotes. 

The most popular car insurance companies in Arizona

The following are the most popular car insurance companies in Arizona, based on the percentage of insured Arizona drivers who use them:

Company Market share (%)
GEICO 16.19
State Farm 14.84
Progressive 13.22
USAA* 8.16
Allstate 7.62
Farmers 7.50
American Family 5.70
Liberty Mutual 5.23
The Hartford 1.98
CSAA Insurance 1.89
Travelers 1.62
Kemper 1.03
Western National Insurance 0.91
Nationwide 0.88
MetLife 0.86
Sentry 0.84
Auto-Owners Insurance 0.81
Safeway 0.69
Farm Bureau 0.64
United Insurance Co. 0.61

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Arizona based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southwest region (which includes Arizona):

  1. American Family & GEICO (tie)
  2. Allstate
  3. The Hartford
  4. Region Average
  5. State Farm
  6. Farmers
  7. Liberty Mutual
  8. Safeco
  9. CSAA Insurance
  10. Travelers
  11.  Progressive
  12. Nationwide

The best cheap car insurance in Arizona based on credit score

While everyone's rates will vary based on a variety of factors, there are a few companies that offer lower rates than others for Arizona residents. Consumer Reports compiled every car insurance company's pricing formulas for each state, and found that in Arizona, GEICO has the best rates for drivers at every credit level. 

Here are the companies that offered the lowest rates in Arizona, and the average premium for a single adult driver. 

Drivers with excellent credit, FICO scores 800-850, will generally see some of the most affordable annual premiums.

  • GEICO car insurance: $653 per year
  • USAA car insurance: $963 per year
  • Farmers car insurance: $973 per year

For those with good credit, FICO scores 670-739, GEICO won by far.

  • GEICO car insurance: $769 per year
  • USAA car insurance: $1,114 per year
  • Farmers car insurance: $1,219

Those with poor credit, FICO scores 300-579, will pay more for their car insurance. However, GEICO still holds onto the top spot in Arizona in this credit category.

  • GEICO car insurance: $1,130 per year
  • American Family car insurance: $2,036 per year
  • State Farm car insurance: $2,314 per year.

The best car insurance for drivers with a clean record

For a driver in Arizona age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Root $105
Bristol West $112
State Farm $129
Esurance $150
GEICO $152
Progressive $155
Liberty Mutual $160
USAA* $180
Travelers $185
Allstate $199
Farmers $200
American Family $211

*USAA is only available to military, veterans, and their family members

Above data obtained from Savvy, based on 2,405 policyholders in the state of Arizona

Best car insurance for one or more accidents on record

For a driver in Arizona age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Bristol West $128
Esurance $154
GEICO $162
Progressive $166
Allstate $214
Farmers $294

Above data obtained from Savvy, based on 2,405 policyholders in the state of Arizona

Arizona car insurance rates by metro area

Below is the estimated average annual premium of auto insurance policies per household in Arizona's metro areas:

City Average annual insurance premium 
Phoenix $1,320
Tucson $1,198
Mesa $1,316
Chandler $1,466
Gilbert $1,531
Scottsdale $1,444
Glendale $1,289
Peoria $1,414
Tempe $1,293
Surprise $1,372
Yuma $1,282
San Tan Valley $1,386
Avondale $1,360
Goodyear $1,447
Flagstaff $1,286
Buckeye $1,380
Casas Adobes $1,308
Casa Grande $1,241
Lake Havasu $1,237
Maricopa $1,408
Catalina Foothills $1,407
Marana $1,442
Oro Valley $1,402
Prescott $1,274
Prescott Valley $1,277
Sierra Vista $1,240
Queen Creek $1,566
Bullhead $1,181
Sun City $1,135
Apache Junction $1,163
El Mirage $1,345
Sahuarita $1,407
Kingman $1,235
Drexel Heights $1,279
Fortuna Foothills $1,255
Florence $1,246
San Luis $1,223
Anthem $1,547
Fountain Hills $1,428
Sun City West $1,185

Who gets the best car insurance rates in Arizona?

Car insurance companies use many factors to determine the premium a particular driver will pay. Things like where in Arizona you live, your age, and your credit score can all have an impact. Generally, those who get the best auto insurance rates in Arizona are those who have the best driving records, the best credit scores, and live in lesser-populated areas. 

To get ready to shop, it might be worth doing some work to raise your credit score. 

While shopping, get quotes from several insurance companies and compare them. You'll want to look at more than just the premium — also consider the coverage types and liability limits, and things like the deductible, which you'll be responsible for paying if you get into an accident. 

The best policy is usually the one that gives you the most coverage for your money. And, the person who gets the best car insurance policy is going to be the one who shops around. 

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