Low-income car insurance in Arizona: What you need to know

Q: What is the cheapest car insurance company for low-income people?

In Arizona, the cheapest car insurance company is Geico . However, that’s based on average rates and may differ for you, so it’s important to shop around.

Arizona government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Arizona. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Arizona, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Arizona minimum car insurance requirements

The minimum car insurance requirements in Arizona are as follows:

Minimum liability coverage limits	Average annual premium	Other types of insurance required (if any)
25/50/15	$516	-

Data updated in 2024

Read our methodology

Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low income car insurance in Arizona

Auto-Owners came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Arizona and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Arizona.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
Auto-Owners	$374	808	A++	0.5	4.1
Travelers	$480	804	A++	0.49	3.47
Geico	$369	801	A++	0.91	3.46
State Farm	$613	783	A++	0.7	2.97
Allstate	$566	795	A+	0.65	2.93
Progressive	$639	828	A+	0.65	2.7
Nationwide	$662	808	A+	0.64	2.64
Farmers	$669	835	A	0.8	2.42

Data updated in 2024

Read our methodology

Cheap car insurance in Arizona for low-income individuals

Based on state-minimum coverage, we found that the cheapest car insurance company in Arizona is Geico at an average rate of $369 a year.

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Arizona to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
Geico	$369	$31
Auto-Owners	$374	$31
Travelers	$480	$40
Allstate	$566	$47
State Farm	$613	$51
Progressive	$639	$53
Nationwide	$662	$55
Farmers	$669	$56
USAA	$275	$23

Data updated in 2024

Read our methodology

Car insurance discounts in Arizona for low-income drivers

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Arizona can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Licensed	27%
Years Insured	22%
Loyalty - Years Renewal With Company	14%
Profession	11%
Telematics	9%
Multi Policy	9%
Days Advanced Purchase	8%
Marital Status	8%
Electronic Signature	8%
Payment Type	7%
Homeowner	6%
Primary Use	5%
Education	5%
Lower Annual Mileage	5%
Electronic Funds Transfer	4%
Paperless/Electornic Documents	4%
Safety Devices	3%
Anti-Theft Device	1%
Air Bags	1%

Data updated in 2024

Read our methodology

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Low-income car insurance in Arizona: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Arizona, the cheapest car insurance company is Geico. However, that’s based on average rates and may differ for you, so it’s important to shop around.