Cheapest Car Insurance Quotes in Arizona City

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Arizona City Car Insurance

^$ 42

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Arizona City

The car insurance rate in Arizona City is $980 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $492, making it a popular choice for budget-conscious drivers. Rates in Arizona City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Arizona City

$980

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Arizona City

1st place: Root Insurance Company

At $492 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $649 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $679 for six months, making it the third cheapest auto insurance company in Arizona City.

Arizona City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arizona City, AZ is Root Insurance Company, offering policies at just $492 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $649.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1141 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arizona City drivers find the best deals.

Cheap Car Insurance Companies in Arizona City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$492	$82
Auto-Owners Insurance Co	$649	$110
Farmers	$679	$113
Mercury	$698	$119
Hartford	$730	$122
Iowa Farm Bureau	$736	$125
Travelers	$780	$131
State Farm	$980	$165
Progressive	$1010	$170
USAA	$1016	$171
Auto-Owners	$1092	$184
Allstate	$1173	$197
The Hartford	$1398	$233
CSAA	$2121	$360
Nationwide	$1141	$190

Key Takeaways

Way's key takeaways about car insurance in Arizona City

The auto insurance costs in Arizona City fall around $492 for six months.
The cheapest auto insurance company in Arizona City is Mercury.
Teen drivers pay the highest rate in Arizona City at $923 per month.

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Cheapest Minimum Liability Car Insurance in Arizona City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Arizona City are given below.

Mercury provides the cheapest minimum car insurance coverage in Arizona City. Their Average 6 Month Premium is $250. Allstate is the most expensive at $437 for the same period.

Cheapest Liability Coverage in Arizona City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$250	$42
Travelers	$293	$49
Auto-Owners	$318	$54
Auto-Owners Insurance Co	$324	$56
Country Financial	$331	$55
USAA	$331	$56
Root Insurance Company	$337	$56
Farmers	$356	$61
Progressive	$362	$61
Iowa Farm Bureau	$374	$64
State Farm	$380	$64
Allstate	$437	$74

Cheapest Full Coverage Car Insurance in Arizona City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Arizona City is Root Insurance Company at $82 per month and $492 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arizona City, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$492	$82
Auto-Owners Insurance Co	$649	$110
Farmers	$679	$113
Mercury	$698	$119
Hartford	$730	$122
Iowa Farm Bureau	$736	$125
Travelers	$780	$131
State Farm	$980	$165
Progressive	$1010	$170
USAA	$1016	$171
Auto-Owners	$1092	$184
Allstate	$1173	$197
The Hartford	$1398	$233
CSAA	$2121	$360
Nationwide	$1141	$190

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Average Car Insurance in Arizona City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Arizona City, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Arizona City, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Arizona City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Arizona City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$566
40s	USAA	$516
50s	USAA	$488
60s	USAA	$502
70s	USAA	$593

Cheapest Car Insurance Rates for Teen Drivers in Arizona City,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Arizona City at $50 per month. At $5539 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$299	$50
Travelers	$299	$50
Root Insurance Company	$343	$59
Progressive	$356	$59
USAA	$362	$62
Country Financial	$386	$64
State Farm	$386	$65
Allstate	$437	$74
Farmers	$437	$75
Auto-Owners Insurance Co	$443	$74
Iowa Farm Bureau	$462	$79
Auto-Owners	$2620	$437
CSAA	$5539	$923

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Arizona City.

As young drivers face the highest rates in Arizona City, USAA offers the cheapest auto insurance rates at $566 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Arizona City, Mercury is the cheapest car insurance provider. At $287 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Arizona City is Hartford, offering rates of around $686 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$287	$48
Travelers	$362	$62
Root Insurance Company	$431	$71
Progressive	$437	$75
Country Financial	$462	$77
Farmers	$518	$88
Nationwide	$530	$88
Allstate	$592	$101
Iowa Farm Bureau	$674	$112
Hartford	$686	$117

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Car Insurance Rates with An Accident in Arizona City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Arizona City, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Arizona City

The cheapest car insurance companies after an at-fault accident in Arizona City include Root Insurance Company and Country Financial, offering $424 and $431, respectively. CSAA is an expensive provider with an average six-month premium of $3443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$424	$70
Country Financial	$431	$74
Auto-Owners Insurance Co	$505	$84
Travelers	$505	$85
State Farm	$674	$113
Noblr	$711	$121
Root	$774	$129
USAA	$817	$138
General Casualty	$967	$161
Progressive	$973	$164
Auto-Owners	$1385	$231
Farmers	$1428	$240
Mercury	$1485	$250
Allstate	$1515	$255
Farm Bureau Mutual (IA Group)	$1534	$256
Metromile	$1746	$297
General Agents Group	$1965	$328
Country	$2077	$353
The Hartford	$2202	$366
Encompass	$2258	$384
Nationwide	$2427	$404
Safeway	$2763	$469
Permanent General	$2987	$498
MetLife	$3405	$579
CSAA	$3443	$573

Arizona City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arizona City AZ. For example, the car insurance in Arizona City after a DUI increases to $1266 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.

Arizona City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1229	$205
One Med/PIP claim	$1229	$209
Not-at-fault accident	$1235	$206
One comp claim	$1285	$218
Two Med/PIP claims	$1285	$214
Two comp claims	$1335	$227
Failure to wear a seat belt	$1404	$234
Child safety restraint	$1460	$248
Driving without lights	$1460	$244
Failure to show documents	$1460	$248
Speeding 6 - 10 MPH over limit	$1485	$248
Driving too slowly	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Speeding in school zone	$1540	$261
Driving with expired registration	$1553	$259
Speeding 16 - 20 MPH over limit	$1553	$264
Cell phone violation	$1559	$260
Failure to stop at a red light	$1559	$266
Failure to yield	$1559	$260
Following too closely	$1559	$266
Illegal turn	$1559	$260
Texting while driving	$1559	$266
Wrong way/wrong lane	$1559	$260
Improper passing	$1584	$270
Speeding 21 - 25 MPH over limit	$1603	$267
In 65 MPH zone	$1628	$277
Passing school bus	$1646	$274
At-fault accident - less than $1000	$1691	$288
Operating a vehicle without permission	$1778	$296
At-fault accident - $1000-$2000	$1827	$311
At-fault accident - greater than $2000	$1852	$309
Open container	$1946	$331
Reckless driving	$2158	$360
Driving with a suspended license	$2227	$379
DUI	$2495	$416
Refusal to submit to a chemical test	$2495	$424
Racing	$2550	$425
Leaving scene of an accident/hit and run	$2563	$436

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Arizona City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Arizona City.

The cheapest car insurance premiums in Arizona City are offered by Mercury at $331 for a six-month policy. However, it can be as expensive as $1877 with companies like Nationwide.

Arizona City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$331	$57
Root Insurance Company	$374	$62
Country Financial	$468	$80
Travelers	$573	$97
Progressive	$580	$98
Hartford	$586	$98
State Farm	$617	$104
Farmers	$942	$159
USAA	$1254	$211
Allstate	$1859	$310
Nationwide	$1877	$319

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Arizona City are offered by AutoOwners Insurance Co at $324. However, it can be as expensive as $437 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Arizona City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$324	$56
State Farm	$331	$55
Travelers	$331	$57
Mercury	$356	$59
Progressive	$380	$65
Country Financial	$386	$64
Root Insurance Company	$424	$72
Farmers	$437	$72

Car Insurance Price Trends in Arizona City, Arizona

Car insurance rates in Arizona City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Arizona City rose by $127 in December compared to $124 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Arizona City rose to $57 in December, compared to $55 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Arizona City?

The car insurance in Arizona City is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Arizona City?

The cheapest car insurance in Arizona City is $82 per month for full coverage.

How much is car insurance in Arizona City for teenagers?

Car insurance for teenagers costs $299 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Arizona City?

The average cost of car insurance is $933 for a six-month policy. It will cost around $165 per month to insure your car in Arizona City.

Is car insurance expensive in Arizona City?

Car insurance can be expensive in Arizona City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Arizona City can be affordable.

What is the best car insurance in Arizona City, AZ?

The best car insurance company in Arizona City AZ is Root Insurance Company, offering $492 for a six-month policy.