Arizona’s lowest car insurance 2023

Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

Arizona has many places you can explore by car, whether you are driving through the Phoenix metro area or the Grand Canyon. You don’t need to spend a lot on insurance to protect your vehicle.

We compared the estimated rates of Arizona car insurance companies in order to determine the average cost and the lowest estimated rates for basic coverage.

The calculations below assume that the driver has not been in an accident, received no tickets, or made any claims. This gives us a baseline from which to compare rates of different insurers (see our complete methodology). Your rates may be higher or lower if this is not the case. Insurance costs are calculated using many factors such as your age, vehicle type and mileage. We also considered the best car insurance for young drivers, drivers who have multiple claims, and drivers with different credit scores, all at minimal coverage costs.

Continue reading to find out about Arizona’s average car-insurance rates. We also reveal our findings regarding the most affordable basic coverage options in Arizona.

Arizona car insurance rates

The average monthly premium for Arizona car insurance is just over $75. It can go up to nearly $130 depending on what type of coverage you choose and who your driver profile is.

Arizona’s average monthly auto insurance premiums

Driver and coverage	Avg. Monthly cost
Arizona’s minimum state-required car insurance	$76.55
Arizona drivers with bad credit	$144.45
Arizona drivers with multiple claims	$166.17
Young drivers in Arizona	$128.19

Arizona’s cheapest car insurance companies

Noblr Reciprocal Exchange, which offered basic coverage for basic driver insurance, was the most affordable. We tested this with several Arizona drivers profiles. These calculations were based on an average driver profile in order to give you an idea of the cost for an average driver. Your rates could be different. Our Arizona driver is between 36-45 years old and drives a car valued at $20,000-$30,000. He also has 680 to 719 credit scores.

1. Noblr Reciprocal Exchange

Noblr Reciprocal Exchange is the cheapest Arizona car insurance. It offers basic car insurance for anyone who meets our Arizona driver profile starting at $10.54 per monthly. Noblr is a USAA company that determines your rate largely by using an app to monitor your safe driving habits. Noblr provides a wide range of coverage options including standard coverage, rental car coverage, and roadside assistance. You must be either a USAA member, or eligible to become one, in order to purchase Noblr Insurance. This means you must be a member of a military family.

2. Root Insurance

Root, like Noblr calculates your auto insurance cost based on your driving patterns, which it tracks via its app. Customers who meet our Arizona driver profile may be eligible for basic coverage rates as low as $37.77 per monthly. Root offers standard liability coverage, comprehensive, collision and medical car coverages, as well as rental car insurance and roadside assistance.

Check out our complete review of Root Insurance.

3. Geico

Geico could offer basic coverage for as low as $40.17 per monthly to an Arizona driver. Geico provides a variety of coverage options, available discounts, and 24/7 customer service and claims assistance. They also offer a mobile app that allows users to view their IDs and request roadside assistance.

Check out our complete review of Geico.

4. Mercury

Mercury offers car insurance through independent agents. It could provide basic coverage for our Arizona driver profile at a monthly rate of $51.21 Mercury provides all the standard options as well as roadside assistance and ride-hailing coverage to drivers who are employed by ride-sharing companies like Uber and Lyft. Mercury repairs are guaranteed for as long you own your car if they are authorized by Mercury.

Check out our complete review of Mercury Insurance.

5. USAA

Basic coverage from USAA can be obtained by military personnel, veterans, children, or spouses of military members or veterans in Arizona for as low as $57.18 per monthly. USAA offers standard auto insurance coverage as well as a variety of discounts such mileage, storage, and legacy.

USAA reviews

Arizona’s lowest-priced state-minimum coverage

The type of coverage that you choose will determine the cost of your coverage. The most affordable type of coverage is state-minimum auto insurance. It usually covers both liability and bodily injuries.

These are the best Arizona car insurance companies that provide state-minimum coverage.

The cheapest Arizona car insurance companies for state-minimum coverage

1	Noblr Reciprocal Exchange	$10.54/month
2	Root Insurance	$37.77/month
3	Geico	$40.17/month
4	Mercury	$51.21/month
5	USAA	$57.18/month

Best car insurance for people with good credit in Arizona

Your credit score is also considered by insurance companies when calculating your car insurance premiums. Higher credit scores and credit histories usually translate into lower rates. Noblr again wins, with the cheapest basic car insurance for Arizona drivers with good credit.

The cheapest Arizona car insurance companies for people with good credit

1	Noblr Reciprocal Exchange	$9.93/month
2	Root Insurance	$33.85/month
3	Geico	$36.79/month
4	Mercury	$41.94/month
5	Auto-Owners Insurance	$42.97/month

Lowest car insurance for people with poor credit in Arizona

Although credit isn’t the only thing insurance companies consider when determining the cost for your coverage, it can play an important role. Even if you have poor credit, having a history of safe driving and low mileage can still save you money on car insurance. According to our calculations, the companies listed in the following table offer basic coverage for Arizona drivers with low credit scores.

Arizona’s cheapest car insurance for people with bad credit

1	Noblr Reciprocal Exchange	$11.60/month
2	Root Insurance	$48.05/month
3	Geico	$55.97/month
4	Mercury	$67.96/month
5	Safeway	$88.17/month

Cheapest car Insurance for Drivers with Multiple Claims in Arizona

Are you a frequent filer of insurance claims? The amount you pay for car insurance can be affected by your claim history. Our research shows that the following table contains the most affordable basic coverage for drivers who have multiple claims.

5 Best Car Insurance Companies in Arizona for Multiple Claims

1	Noblr Reciprocal Exchange	$18.50/month
2	Root Insurance	$75.90/month
3	Travelers	$115.79/month
4	Nationwide	$122.60/month
5	Geico	$126.17/month

Cheapest insurance for young drivers in Arizona

Insurance companies base their rates on perceived risk. Younger drivers are more likely to be insurable than older drivers. Good news is that your rates will decrease as you get better driving records. These companies offer the lowest rates for minimum coverage for drivers aged 18-21.

Top 5 Cheapest Arizona Car Insurance Companies for Young Drivers

1	Noblr Reciprocal Exchange	$13.29/month
2	Root Insurance	$50.73/month
3	Geico	$61.30/month
4	Travelers	$90.63/month
5	Allstate	$92.94/month

Arizona auto insurance requirements

Arizona law requires that property damage liability be limited to $15,000 For bodily injury liability, it requires $25,000 per person as well as $50,000 per accident. If you are a borrower or a leasee, you may be subject to additional coverage.

Is there a usage-based insurance policy in Arizona

UBI (usage-based insurance) is vehicle insurance that allows customers the ability to pay premiums based upon their driving habits. Arizona drivers can save money by using usage-based insurance programs.

FAQs regarding the lowest car insurance rates for Arizona

Methodology

Based on the particular profile of an Arizona driver aged 36-45, the estimated rates in this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and is insured for between $20,000 and $30,000 Young drivers are those aged 18-21. Rates for multiple claims are based on two claims. Rates for insurance with good credit are based on scores of 720 or higher. Scores between 350 and 579 are eligible for estimates on insurance rates for poor credit.

Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison or basis for making decisions. Rates can vary depending on many factors, including your driving history, age, and vehicle driving habits. Quadrant Information services provides rates every six months.

The average monthly premium for full-coverage car insurance covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. The Arizona-mandated 25/50/15insurance policy is included in the average monthly premium for minimum state-minimum auto insurance.