Compare Car Insurance Quotes in Arizona (2026)
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Quick Answer — Arizona
- Minimum coverage required: 25/50/15 — $25K BI per person, $50K BI per accident, $15K property damage
- Avg full coverage cost: $220/month ($2,644/year)
- Cheapest carrier (minimum): Travelers — $45/mo avg
- Cheapest carrier (full coverage): Travelers (or USAA for military / Root for telematics-friendly drivers) — $86/mo avg
What's special about car insurance in Arizona
- Allows credit-based insurance pricing
- One of the largest carrier-to-carrier price gaps in any state ($181/mo difference between cheapest and most expensive)
- Phoenix metro pays significantly more than rural AZ — traffic + heat-related vehicle damage
- Root Insurance (telematics-only carrier) is competitive for Arizona drivers willing to be monitored
Arizona car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 25/50/15 — $25K BI per person, $50K BI per accident, $15K property damage | — | — |
| Avg minimum coverage cost | $71/mo | $849/yr | — |
| Avg full coverage cost | $220/mo | $2,644/yr | — |
| Cheapest carrier (minimum) | TravelersBest | $45/mo | $540/yr |
| Cheapest carrier (full coverage) | Travelers (or USAA for military / Root for telematics-friendly drivers)Best | $86/mo | $1,032/yr |
Which carrier should Arizona drivers pick?
Match your situation to the right carrier. Arizona-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverageTravelersCheapest in Arizona at $45/mo.
- You want full coverage at the lowest priceTravelers (or USAA for military / Root for telematics-friendly drivers)$86/mo full coverage in Arizona. Root $1,312/yr (47% below state avg) is cheapest if you opt into telematics; USAA $58/mo for military
- You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Verified by the WalletGrower Editorial Team — current as of October 2026. Rates, fees, and offers can change between our update cycles; confirm on the provider's site before applying.
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$45/mo
Cheapest minimum coverage
$220/mo
State avg full coverage
25/50/15
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
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Methodology & sources
All Arizona data on this page was WebSearch-verified May 2026 against the Arizona insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
Frequently asked questions about Arizona car insurance
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Car insurance for specific situations
Your premium changes a lot with your driver profile. If any of these apply to you, these guides show the verified cost impact and the cheapest carriers for each situation.
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