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Getting auto insurance in Arizona is mandatory if you want to drive, but finding the right insurance company isn’t always easy. Some companies try to sell expensive, overpriced policies that many people simply can’t afford. However, it doesn’t have to be that way. There are plenty of companies in Arizona who provide auto insurance at reasonable rates. The key is simply knowing how to look for the best rate possible.

What Determines Your Insurance Rate?

Before you begin your search, you should know that there are a variety of factors that are taken into account by the insurance companies when deciding what rate to charge. Some of these factors include: job status, gender, marital status, credit score, and what type of vehicle you drive. This means that regardless of which company you end up with, an unmarried 19 year old male with no credit history is going to have to pay more than a 40 year old married female with an positive credit history.

Companies with the Cheapest Auto Insurance in Arizona

In addition to the factors mentioned above, your rates will depend on where you live. Companies will charge different rates in Phoenix than they do in Tucson. That’s why we’ve put together a list of the cheapest auto insurance companies for each of the top five cities in Arizona. The companies are listed in order starting with the cheapest. So for example, Farmers and Ameriprise are the two cheapest providers in Phoenix.

Phoenix, AZ

  • Farmers
  • Ameriprise
  • State Farm
  • Arizona Farm Bureau
  • Titan

Farmers and Ameriprise actually ended up tied with the two cheapest average rates, each one at $507 annually. For a comparison, the average rate of insurance for Phoenix overall is $728 per year. Perhaps unsurprisingly, it is one of the most expensive places in the state to get your vehicle insured, with only Glendale being more expensive.

Tucson, AZ

  • Auto-Owners
  • Farmers
  • Ameriprise
  • State Farm
  • Arizona Farm Bureau

Although Tucson is the second biggest city in Arizona, auto insurance there is actually quite inexpensive. In fact, it’s the third cheapest city in the state to get auto insurance, with only Surprise and Chandler offering better bargains. Auto Owners customers pay an average of only $348 yearly, a substantial discount on the city’s already reasonable average of $599 per year.

Mesa, AZ

  • Auto-Owners
  • Ameriprise
  • State Farm
  • Farmers
  • Titan

The rates for auto insurance in Mesa fall right in line with the overall average for the state, with most people getting insured for about $628 per year. However, people who opt for one of these companies can find cheaper deals, with Auto-Owners giving the most affordable insurance in this city at only $408 per year on average.

Chandler, AZ

  • Auto-Owners
  • Farmers
  • Ameriprise
  • State Farm
  • California Casualty

Chandler, one of the major suburbs of Phoenix, features some of the cheapest auto insurance rates in Arizona. Residents here pay an annual average of $588 for their insurance. Interestingly, the cheapest companies don’t offer quite the same level of discount here as in Mesa.

For example, Auto-Owners, the cheapest insurance company in Chandler, offers average rates of $459 per year. Meanwhile, the same company offers rates of only $408 per year in Mesa, despite the average overall cost of insurance being higher in Mesa. Even so, you can’t still save a decent amount in Chandler by using the companies with the lowest rates.

Glendale, AZ

  • Ameriprise
  • State Farm
  • Farmers
  • Auto-Owners
  • California-Casualty

Glendale is the fifth largest city in Arizona. It’s a beautiful location, but the auto insurance rates here are the highest in the state. The average resident of Glendale pays $735 per year to have their vehicle insured. The above companies offer significant savings potential, with Ameriprise being the cheapest at an average of $546 per year.