Car Insurance in Arizona: 2026 Rates & Guide
Arizona is a mid-range state for car insurance. The average driver pays $138/month ($1656/year). Here's how to find the best rate for your situation.
$138
Avg Monthly
$1656
Avg Annual
#18
Cost Rank (1=priciest)
$104
Cheapest Option/mo
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Cheapest Car Insurance Companies in Arizona (2026)
Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.
Top insurers in Arizona — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestGEICO | $104/mo | 4.3 | Get Quote |
| 2 | State Farm | $112/mo | 4.5 | Get Quote |
| 3 | Progressive | $124/mo | 4.1 | Get Quote |
| 4 | USAA | $88/mo | 4.9 | Get Quote |
| 5 | Farmers | $142/mo | 4 | Get Quote |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
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Arizona Car Insurance Requirements
Minimum Coverage: 25/50/15
Arizona is an at-fault state. The driver who causes an accident is financially responsible.
- 25/50/15 liability minimum
- Uninsured motorist must be offered
- SR-22 required after DUI
Arizona Insurance Facts
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How to Get Cheaper Car Insurance in Arizona
Compare at least 3–5 quotes
Rates vary by 40–60% between companies for the same driver profile.
Raise your deductible
Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.
Bundle home + auto
Multi-policy discounts average 15–25% across major insurers.
Try usage-based insurance
Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.
Ask about all discounts
Good student, military, professional association, and low-mileage discounts are often unclaimed.
Improve your credit score
In most states, a good credit score can lower premiums by 20–50%.
Car Insurance in Arizona — FAQs
What is the average cost of car insurance in Arizona?
What is the minimum car insurance required in Arizona?
Which company has the cheapest car insurance in Arizona?
Is Arizona a no-fault car insurance state?
How can I lower my car insurance in Arizona?
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