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Last Updated on January 2, 2026
Arizona is usually a middle-of-the-pack state for car insurance rates. It’s not typically the cheapest place to insure a vehicle, but it’s far from the most expensive.
Car insurance has gotten noticeably more expensive nationwide in the last few years. Currently, many drivers in Arizona are seeing full coverage land in the mid-$2,000s per year, while state-minimum coverage often comes in under $1,000 per year. Your price can be much higher or lower depending on your ZIP code, vehicle, driving record, and coverage choices.
Below, we’ll break down the best auto insurance options in Arizona, what coverage the state requires, and how to avoid common (and costly) mistakes—like driving without insurance.
There’s no single “best” insurer for every driver. Rates change by ZIP code, discounts vary by company, and claims experiences differ by region. That said, the companies below are consistently popular in Arizona and tend to offer a good mix of pricing, coverage options, and customer support. Use them as a strong starting point, then compare apples-to-apples quotes (same limits and deductibles) to find your best deal.
GEICO is often a go-to option for drivers who want a straightforward quote process and competitive pricing—especially for clean drivers and drivers shopping for affordable liability coverage. GEICO is also known for strong online tools, quick policy changes, and frequent discount opportunities (multi-vehicle, good driver, good student, military/employee affiliations, and more).
| GEICO | |
|---|---|
| Company Address | 5260 Western Avenue Chevy Chase, MD 20815 |
| Phone Number | 1-800-861-8380 |
| Website URL | https://www.geico.com/ |
Safeco (a Liberty Mutual company) is commonly sold through independent agents and can be a strong choice for drivers who like working with an agent—especially when bundling auto with home or renters insurance. Note: Liberty Mutual has announced a shift toward a single-brand strategy, so some customers may see changes to branding over time even if their coverage stays similar.
| Safeco Insurance | |
|---|---|
| Company Address | 175 Berkeley Street, Boston, MA 02116 |
| Phone Number | 1-800-332-3226 |
| Website URL | https://www.safeco.com/ |
American Family tends to be a strong option in the Southwest for drivers who want flexible coverage, a solid agent network, and plenty of ways to save. If you’re shopping AmFam, make sure you ask about stacking discounts (home + auto bundling, safe driving, multi-car, loyalty, and more), including car insurance discounts that may apply based on your household and driving habits.
| American Family | |
|---|---|
| Company Address | 6000 American Parkway Madison, WI 53783 |
| Phone Number | 1-800-692-6326 |
| Website URL | https://www.amfam.com/ |
CSAA (an AAA insurer) is worth a look if you value customer service and claims support. Availability can vary by county, and some AAA-related products may be bundled with (or marketed through) AAA membership benefits, depending on your location and the policy structure.
| CSAA Insurance | |
|---|---|
| Company Address | 3055 Oak Road Walnut Creek, CA 94597 |
| Phone Number | 1-925-279-2300 |
| Website URL | https://csaa-insurance.aaa.com |
Travelers is a long-standing national insurer with a wide set of coverage options, a strong reputation in many markets, and a discount list that can be surprisingly deep. Before you buy, review eligibility for common savings opportunities like bundling, safe driver programs, and auto insurance discounts based on how you drive and how you insure your household.
| Travelers | |
|---|---|
| Company Address | 485 Lexington Ave 10th Fl New York, NY 10017 |
| Phone Number | 1-866-218-5589 |
| Website URL | https://www.travelers.com/ |
The Hartford is often a good fit for drivers who want strong coverage options and are willing to pay for added service and perks. It’s also widely known for its AARP-related auto program, which can be appealing for older drivers or retirees who want enhanced benefits and tailored support.
| The Hartford | |
|---|---|
| Company Address | One Tower Square Hartford, CT 06183 |
| Phone Number | 1-800-413-8970 |
| Website URL | https://www.thehartford.com/ |
USAA is frequently one of the highest-rated auto insurers for customer satisfaction and claims—but eligibility is limited to military members, veterans, and qualifying family members. If you can qualify, it’s usually worth comparing USAA against other carriers. If you’re unsure what options are available to you, see our guide to auto insurance for active-duty military members.
| USAA | |
|---|---|
| Company Address | 9800 Fredericksburg Road San Antonio, TX 78288 |
| Phone Number | 1-210-531-USAA |
| Website URL | http://www.usaa.com/ |
Progressive is known for its flexible quoting tools and broad appetite for many driver profiles. If you like comparing coverage levels and prices quickly, Progressive’s online features can help—especially Snapshot (usage-based/telematics) and Name Your Price. It can be a strong option for drivers who want to customize deductibles and coverage while hunting for savings.
| Progressive | |
|---|---|
| Company Address | 6300 Wilson Mills Road Mayfield Village, OH 44143 |
| Phone Number | 1-800-776-4737 |
| Website URL | https://www.progressive.com/ |
Allstate is a large insurer with a strong agent network and plenty of add-ons, endorsements, and bundling opportunities. Rates can vary widely by ZIP code, so it’s best to treat Allstate as a comparison quote—especially if you value an in-person agent relationship and want to explore bundled savings.
| Allstate | |
|---|---|
| Company Address | 2775 Sanders Road Northbrook, IL 60062 |
| Phone Number | 1-800-255-7828 |
| Website URL | https://www.allstate.com/ |
State Farm is the largest auto insurer in the U.S. and is known for its local agent network, broad coverage offerings, and household bundling options. It’s a common “baseline quote” in Arizona because it competes across many driver types—new drivers, families, and long-time policyholders alike.
| State Farm | |
|---|---|
| Company Address | 1 State Farm Plaza Bloomington, IL 61701 |
| Phone Number | 1-309-766-2311 |
| Website URL | https://www.statefarm.com/ |
Arizona, like most states, requires drivers to carry insurance to legally drive on public roads. (If you’re comparing limits across the country, see our state-by-state auto insurance requirements guide.)
Arizona’s minimum liability limits are commonly shown as 25/50/15:
These minimums are only meant to keep you legal and provide a baseline level of protection. In real-world crashes, medical bills and vehicle repairs can exceed these limits quickly. Many drivers choose higher liability limits for better financial protection—especially households with savings, property, or higher incomes.
You can also add optional coverage for extra protection, such as uninsured/underinsured motorist coverage. And while the state doesn’t require protection for your own car, lenders often do: collision coverage typically pays for damage to your vehicle after a crash, while comprehensive coverage helps with non-collision losses like theft, vandalism, falling objects, weather damage, and animal strikes.
One quick terminology note: “Full coverage” is a casual term that usually means liability + comprehensive + collision—but full coverage is not the same as comprehensive coverage.
It is illegal to drive without insurance in Arizona. If you’re caught, you could face fines, license suspension, registration and plate suspension, and significantly higher future premiums.
Arizona’s penalties increase for repeat offenses within a 36-month window. In general, you can expect:
In many cases, a ticket can be dismissed if you prove you actually had valid insurance at the date and time of the stop, but you must follow the court’s instructions and deadlines. Also, Arizona allows you to show proof of insurance electronically, so a digital ID card on your phone is typically acceptable.
If your license or registration is suspended, the MVD may require you to file proof of future financial responsibility—often an SR-22. Drivers who need an SR-22 are typically pushed into high-risk auto insurance pricing until they rebuild a clean record.
A DUI can raise your premium sharply in Arizona. Some insurers treat a first offense more forgivingly than others, but nearly all carriers will view a DUI as a serious risk factor. For context on how big the jump can be, see how much insurance can go up after a DUI.
Arizona’s DUI rules are also strict, including an 84-month (7-year) “lookback” window for prior offenses in many situations. If you’re trying to understand how long it can follow you, read how long a DUI stays on your driving record.
Tip: After a DUI, don’t just renew out of habit. Compare multiple companies, ask about SR-22 filing support (if required), and consider safe-driving/telematics programs after you’ve stabilized your driving habits.
An at-fault crash can raise your rates for years, but the impact depends on the severity of the claim, your prior history, and how each insurer prices risk. If you’re unsure how claims work when you’re responsible, start with what happens if you’re at fault in an accident.
Some insurers offer accident forgiveness (usually for long-time customers with clean histories). Even if you don’t qualify, you can often reduce the increase by shopping around, choosing a higher deductible, and avoiding additional tickets/claims while the accident is on your record.
Speeding tickets can raise premiums in Arizona—especially repeat violations, higher speeds, or tickets that trigger points or court requirements. A first ticket might have a mild impact (or none at all) depending on the insurer, but it varies widely. For a general benchmark, see how much a single speeding ticket can increase your rates.
Tip: If your ticket is minor, compare a few carriers at renewal. Many drivers find that switching insurers after a ticket costs less than staying put—especially if your current carrier is strict about violations.
Young drivers are expensive to insure in every state—including Arizona—because insurers rate them as higher risk due to inexperience. If you’re shopping for a teen or early-20s driver, start with our guide to finding cheaper car insurance for young drivers and keep expectations realistic: full coverage can easily run several thousand dollars per year depending on the car and ZIP code.
Rates often improve with age and a longer clean driving record, but it isn’t a hard switch at a single birthday. For details, see whether rates really drop at age 25.
In Arizona, insurers can generally consider credit-based insurance factors when setting premiums. That means your price can change based on credit-related data—especially when you’re buying or renewing a policy. Learn more about how credit scores affect car insurance rates.
This is one area where Arizona differs from some neighbors. For example, California generally restricts the use of credit in auto insurance pricing, while Arizona does not. If your credit is currently rough, shopping around can make a big difference because some insurers price “credit tiers” more aggressively than others.
SR-22 isn’t a special type of car insurance—it’s a state-required filing that proves you carry at least the minimum liability coverage. Arizona drivers may need an SR-22 after serious violations, certain suspensions, or if you let car insurance lapse. If you’re required to file, many drivers can still find options by shopping for cheaper SR-22 insurance across multiple carriers.
SR-22 requirements commonly last for multiple years and can be extended if your policy lapses again. If you’re trying to plan ahead, read how long an SR-22 lasts and keep your coverage continuous until the state clears the requirement.
Tip: The SR-22 filing fee itself is usually small, but the reason you need it (like a lapse or serious violation) is what typically makes your premiums jump. Compare quotes, ask about payment plans, and avoid cancellations during the filing period.
Arizona auto insurance rates can vary dramatically by driver and ZIP code, and prices have risen in recent years across the country. The best way to find the right policy is to compare several reputable insurers, choose liability limits that protect your finances (not just the state minimum), and take advantage of every discount you qualify for.
