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Geico offers the cheapest auto insurance rates in Arizona at about $1,033 a year or $86 monthly, on average. That’s below the average Arizona car insurance rate of $1,484 a year.

However, cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Auto-Owners to be the best insurance company in Arizona.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your average annual car insurance cost.

Read on to compare Arizona insurance rates by company, age and more.

Key takeaways

  • Auto-Owners is the best car insurance company in Arizona overall, with below-average rates and a low complaint ratio.
  • Geico is the cheapest car insurance company in Arizona at $1,033 per year.
  • Geico also has the cheapest rates for teens as well as drivers with a ticket or accident.

Average cost of car insurance in Arizona

The average car insurance rate in Arizona is $1,484 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Arizona is $452.

Best car insurance companies in Arizona

Auto-Owners is the best car insurance company in Arizona, based on a 2023 analysis by Insurance.com, with an overall rating of 4.68. Geico is the second-best auto insurance company in Arizona with an overall rating of 4.58.

Below is a full list of the top Arizona insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best car insurance companies in Arizona
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
State FarmA++$1,4880.524.15
Mercury InsuranceA$1,4070.673.7
The HartfordA+$1,4911.153.09
CSAA InsuranceA$2,1870.932.32

Cheapest car insurance companies in Arizona

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in Arizona and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Arizona with average rates of $1,033 annually or $86 a month, on average.

Cheapest car insurance companies in Arizona
CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Mercury Insurance$365$518$1,407
State Farm$473$624$1,488
The Hartford$472$677$1,491
CSAA Insurance$656$966$2,187

Auto insurance calculator

Average auto insurance rates in Alabama
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Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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Cheapest car insurance cost in Arizona by age

In Arizona, car insurance rates are higher for teenagers (16- to 19-year-olds) as they are more prone to accidents due to their lack of experience on the road.

Geico offers the cheapest car insurance for teen drivers in Arizona at $2,605 per year for full coverage policy.

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.

In Arizona, Geico offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,099 per year and $1,065 per year, respectively.

Cheapest car insurance by age in Arizona
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Geico$ 2,605
Teens (16-19)Auto-Owners$ 3,156
Teens (16-19)CSAA Insurance (AAA)$ 4,076
Teens (16-19)Nationwide$ 4,152
Teens (16-19)Travelers$ 4,257
Teens (16-19)State Farm$ 4,386
Teens (16-19)Allstate$ 5,754
Teens (16-19)The Hartford$ 5,896
Teens (16-19)USAA$ 6,133
Teens (16-19)Farmers$ 6,496
Teens (16-19)Mercury Insurance$ 7,976
Teens (16-19)Progressive$ 10,945
Young Adults (20-24)Geico$ 1,429
Young Adults (20-24)Auto-Owners$ 1,910
Young Adults (20-24)Nationwide$ 1,960
Young Adults (20-24)Travelers$ 2,009
Young Adults (20-24)USAA$ 2,369
Young Adults (20-24)State Farm$ 2,493
Young Adults (20-24)Farmers$ 2,685
Young Adults (20-24)Allstate$ 2,806
Young Adults (20-24)CSAA Insurance (AAA)$ 2,815
Young Adults (20-24)Mercury Insurance$ 3,133
Young Adults (20-24)Progressive$ 3,308
Young Adults (20-24)The Hartford$ 3,420
Adults (25-55)Geico$ 1,099
Adults (25-55)Nationwide$ 1,147
Adults (25-55)Auto-Owners$ 1,179
Adults (25-55)Travelers$ 1,328
Adults (25-55)USAA$ 1,363
Adults (25-55)Farmers$ 1,399
Adults (25-55)The Hartford$ 1,475
Adults (25-55)State Farm$ 1,516
Adults (25-55)Mercury Insurance$ 1,529
Adults (25-55)Progressive$ 1,916
Adults (25-55)Allstate$ 2,004
Adults (25-55)CSAA Insurance (AAA)$ 2,082
Seniors (60-75)Nationwide$ 1,065
Seniors (60-75)Geico$ 1,083
Seniors (60-75)Auto-Owners$ 1,206
Seniors (60-75)Travelers$ 1,304
Seniors (60-75)USAA$ 1,338
Seniors (60-75)Farmers$ 1,385
Seniors (60-75)The Hartford$ 1,415
Seniors (60-75)State Farm$ 1,437
Seniors (60-75)Mercury Insurance$ 1,484
Seniors (60-75)Progressive$ 1,786
Seniors (60-75)CSAA Insurance (AAA)$ 2,097
Seniors (60-75)Allstate$ 2,141

Cheapest car insurance companies in Arizona by driver profile

Accidents and tickets can negatively affect car insurance rates. Drivers who have accidents or tickets are considered a higher risk and will pay more.

However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.

Below are average Arizona rates by company for drivers with accidents and tickets on their driving record.

Cheapest car insurance companies for tickets and accidents in Arizona
CompanyClean recordAccidentTicket
State Farm$1,602$1,881$1,742

Compare auto insurance rates by city in Arizona

Auto insurance rates in your city can vary significantly due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers and consider these local factors to find the most competitive rates for your specific city in Arizona.

CityAnnual insurance premium

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident
  • Single vehicle accident


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit
  • Speeding ticket 11- 29 MPH over limit
  • Talking on cellphone ticket
  • Texting ticket

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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