Cheapest Car Insurance For College Students in Arizona 2025
State Farm is one of the best car insurance companies for college students in Arizona. Travelers is the cheapest provider, with an average annual rate of $2,124.
We’ve saved shoppers an average of $600 per year on their car insurance.
In some of the priciest states, full coverage can reach nearly $4,000 per year, but college students in Arizona generally pay closer to $3,000 annually, depending on their policy choices and available discounts.
Major cities such as Tucson face elevated risks of both accidents and vehicle theft, which can drive premiums higher for young drivers. Fortunately, small steps—like installing anti‑theft devices, maintaining good grades, or opting for usage‑based insurance programs—can help Arizona college students reduce costs and keep their coverage more affordable.
Key Takeaways
Student drivers in Arizona must have car insurance that meets the state’s minimum requirements.
Travelers offers the cheapest insurance policy for students in Arizona, at an average annual rate of $2,124.
There are multiple ways to reduce the cost of car insurance for students in Arizona.
Best Car Insurance Companies For College Students In Arizona
When selecting car insurance for college students in Arizona, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.
Use the table below to see our picks for the best auto insurers for students in Arizona.
| Company | Average Rate Per Year |
| GEICO | $2,520 |
| Allstate | $2,376 |
| Travelers | $2,124 |
| State Farm | $2,220 |
| Progressive | $2,460 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Liability-Only Car Insurance For College Students In Arizona
Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.
Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.
As you can see from the table below, Progressive is the cheapest average option at $744 per year.
| Company | Average Rate Per Year |
| GEICO | $804 |
| State Farm | $876 |
| Progressive | $744 |
| Frankenmuth | $912 |
| Auto‑Owners | $840 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Full Coverage Car Insurance For College Students In Arizona
College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.
While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.
GEICO is the cheapest full coverage car insurance policy for students in Arizona, at an average annual rate of $1,320.
| Company | Average Rate Per Year |
| Auto‑Owners | $1,620 |
| Mercury | $1,860 |
| GEICO | $1,320 |
| Progressive | $1,800 |
| Travelers | $1,500 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Low-Mileage In Arizona
If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.
The limit will vary between insurance companies but is usually around 7,500 to 10,000 miles annually.
Use the table below to view the cheapest low-mileage rates for college drivers in Arizona.
| Company | Average Rate Per Year |
| Progressive | $900 |
| Lemonade | $540 |
| GEICO | $960 |
| Allstate | $720 |
| State Farm | $1,020 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Driving Violations In Arizona
Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.
One way to mitigate the damage of a driving violation is to work with a company like State Farm that specializes in insuring motorists with a history of tickets or accidents.
| Company | Average Rate Per Year |
| GEICO | $3,240 |
| Travelers | $2,520 |
| USAA | $2,940 |
| State Farm | $1,650 |
| Progressive | $2,700 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For College Students In Arizona – By City
Where you live in Arizona can have a significant impact on your car insurance premiums.
Use the table below to view average rates for different cities in Arizona.
| City | Average Monthly Cost |
| Phoenix | $281 |
| Tucson | $230 |
| Mesa | $242 |
| Chandler | $251 |
| Scottsdale | $231 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 18-Year-Old College Students In Arizona
Travelers offers the cheapest rates for 18-year-old college drivers in Arizona, at an average monthly cost of $171.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $288 |
| State Farm | $224 |
| Travelers | $171 |
| Nationwide | $440 |
| Progressive | $463 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 19-Year-Old College Students In Arizona
Travelers provides the cheapest policy for 19-year-old college students in Arizona, averaging $141 per month.
| Car Insurance Provider | Average Monthly Cost |
| Allstate | $171 |
| State Farm | $197 |
| Travelers | $141 |
| Farmers | $258 |
| Nationwide | $381 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 20-Year-Old College Students In Arizona
The cheapest auto insurance rates for a 20-year-old college driver can be found with Travelers, averaging $125 per month.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $174 |
| GEICO | $138 |
| Travelers | $125 |
| Progressive | $194 |
| Nationwide | $345 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 21-Year-Old College Students In Arizona
The most affordable college student car insurance policy for a 21-year-old can be found at GEICO, with an average monthly cost of $129.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $129 |
| State Farm | $151 |
| Nationwide | $233 |
| Auto-Owners | $132 |
| Progressive | $166 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 22-Year-Old College Students In Arizona
22-year-old student car insurance can be found from $115 per month, with a GEICO auto policy.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $140 |
| Farmers | $201 |
| Progressive | $154 |
| GEICO | $115 |
| Allstate | $121 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 23-Year-Old College Students In Arizona
23-year-old college drivers can find affordable insurance from GEICO at an average monthly cost of $113.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $113 |
| State Farm | $126 |
| Progressive | $136 |
| Nationwide | $182 |
| Allstate | $115 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 24-Year-Old College Students In Arizona
The cheapest car insurance policy for a 24-year-old college student is $93 per month, which can be found with Travelers.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $115 |
| Travelers | $93 |
| GEICO | $108 |
| Progressive | $126 |
| Allstate | $113 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 25-Year-Old College Students In Arizona
GEICO offers the cheapest auto policies for 25-year-old college students in Arizona at $105 per month.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $108 |
| Nationwide | $155 |
| GEICO | $105 |
| Progressive | $114 |
| Allstate | $115 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance On Family Policy Vs. Individual Policy
| Insurance Company | Family Policy | Individual Student Policy |
| Allstate | $145 | $210 |
| Progressive | $130 | $198 |
| GEICO | $115 | $177 |
| State Farm | $120 | $185 |
| Travelers | $140 | $205 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
How Can College Students Save Money On Car Insurance In Arizona
Car insurance rates in Arizona are often steep for college students, especially compared to drivers just a few years older. If staying on a parent’s policy isn’t an option, here are several strategies to help reduce monthly premiums.
Student-Specific Discounts
Arizona insurers provide several opportunities for students to save:
- Good student discount: Maintaining a B average or higher can reduce premiums by 5%–20%.
- Driver education programs: Completing courses such as Allstate’s teenSMART program, which focuses on behavioral and social risk factors, can unlock savings.
- Safe driving technology: Programs like Allstate Drivewise or State Farm’s Steer Clear reward students for clean driving records and monitored driving behavior.
- Distant student discount: Students under 25 who attend school more than 100 miles from home but leave their car at home may qualify for reduced rates.
- Progressive note: Discounts often apply only if the student remains on a parent’s policy, not an individual one.
Vehicle Safety And Security Upgrades
Tucson ranks as the top city for car theft in Arizona and among the highest nationwide. Kia and Hyundai models are particularly vulnerable due to limited factory-installed anti-theft devices. Installing built-in security systems or anti-theft technology can earn significant discounts—up to 23% off GEICO’s comprehensive coverage or around 10% off total premiums with other providers.
Affiliation Discounts
Membership in campus clubs, fraternities, sororities, or alumni associations can provide additional savings. Many insurers in Arizona partner with these organizations to offer small but valuable discounts.
Choosing Between Used And New Cars
While newer cars often include advanced safety features that can reduce premiums, they are more expensive to insure due to higher repair and replacement costs. For college students, a reliable used car is often the more budget-friendly choice, balancing affordability with safety.
Discounts can help college students save money, but every policy is different. With PolicyOwl, you can upload your current policy and instantly see whether your student driver is fully protected
How To Buy Car Insurance As A College Student In Arizona
For Arizona college students, purchasing car insurance for the first time can feel overwhelming. Thankfully, comparison platforms like Insuranceopedia make the process easier by letting you review multiple quotes side by side. Here’s a clear step-by-step guide to help you through the process.
Step 1: Compare Multiple Quotes
Start by reviewing at least three quotes from different insurers. Online platforms allow you to enter your information once and instantly see how different companies stack up, including discounts that may apply to your situation.
Step 2: Decide Where To Buy
Choose whether you’d prefer purchasing online or working with a local agent. Online shopping is fast and convenient, while agents can provide personalized guidance—but some may charge service fees.
Step 3: Determine Coverage Levels
Arizona law requires minimum liability coverage, but you may want to add collision, comprehensive, or gap insurance depending on your car’s age and value. Optional add-ons like roadside assistance can provide peace of mind, though they increase premiums.
Step 4: Gather Essential Information
Before applying, collect all necessary details:
- Vehicle identification number (VIN), make, and model
- Current address
- Driver’s license and personal information
- Declarations page from a previous policy (if applicable)
Having this information ready ensures accurate quotes and avoids delays.
Step 5: Purchase And Transition Smoothly
Once you’ve chosen the best policy, set the effective date, pay your first premium, and receive proof of coverage along with your insurance card. If you’re switching providers, notify your old insurer to avoid billing overlaps.
Do College Students Need Their Own Insurance In Arizona, Or Can They Stay On A Parent’s?
For Arizona college students, whether you need your own car insurance or can remain on a parent’s plan depends on your living arrangements and how often you use your vehicle.
Staying On A Family Policy
Students who continue to live at home or are considered temporary residents while attending college can typically remain on their parents’ policy. This applies even if you live in a dorm or student housing, as long as your parents’ home remains your permanent address. Many insurers also offer:
- Away at school discounts if your car stays at home while you’re away at college
- Permissive use discounts when you rarely drive your vehicle
- Good driver discounts for maintaining a clean driving record
When Students Need Their Own Policy
If you move out permanently and establish your own residence, insurers generally require you to purchase a separate policy. Arizona law mandates that all drivers carry minimum liability coverage, so once your vehicle is registered and kept at your new address, you’ll need to secure your own insurance.
Arizona Car Insurance Laws To Know
In Arizona, you must maintain minimum car insurance, which is $25,000 in bodily injury for one person $50,000 for two or more, and $15,000 for property damage.
Drivers in Arizona are required to carry uninsured motorist coverage of $25,000 per person or $50,000 per accident, as well as underinsured motorist coverage at the same value.
Proof of insurance has to be provided at all times, and failure to maintain or provide insurance comes with fines and other penalties. All of these laws apply to cars, trucks, motorcycles, golf carts, and even mopeds.
Drivers involved in an accident where they were not at fault can file their claim directly with the at-fault driver’s insurance company instead of their own, but they can also use their own. This is an important distinction because filing with the at-fault driver’s insurance company does not carry the same penalties as any clean record discounts you might receive from your insurance provider in Arizona.
Compare College Student Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $3,460 |
| Alaska | $3,276 |
| Arizona | $3,412 |
| Arkansas | $3,557 |
| California | $4,016 |
| Colorado | $3,937 |
| Connecticut | $3,325 |
| Delaware | $3,663 |
| Florida | $4,294 |
| Georgia | $3,570 |
| Hawaii | $3,117 |
| Idaho | $3,028 |
| Illinois | $3,132 |
| Indiana | $3,115 |
| Iowa | $3,230 |
| Kansas | $3,500 |
| Kentucky | $3,828 |
| Louisiana | $4,483 |
| Maine | $2,775 |
| Maryland | $3,346 |
| Massachusetts | $3,326 |
| Michigan | $3,952 |
| Minnesota | $3,511 |
| Mississippi | $3,608 |
| Missouri | $3,582 |
| Montana | $3,793 |
| Nebraska | $3,502 |
| Nevada | $3,660 |
| New Hampshire | $2,865 |
| New Jersey | $3,502 |
| New Mexico | $3,649 |
| New York | $3,470 |
| North Carolina | $3,341 |
| North Dakota | $3,265 |
| Ohio | $3,017 |
| Oklahoma | $3,738 |
| Oregon | $3,278 |
| Pennsylvania | $3,472 |
| Rhode Island | $3,661 |
| South Carolina | $3,422 |
| South Dakota | $3,880 |
| Tennessee | $3,277 |
| Texas | $3,643 |
| Utah | $3,425 |
| Vermont | $2,919 |
| Virginia | $3,069 |
| Washington | $3,208 |
| West Virginia | $3,605 |
| Wisconsin | $3,264 |
| Wyoming | $3,358 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Our Methodology
To find the cheapest car insurance rates for college students in Arizona, we analyzed findings from numerous insurance rating sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We also utilize the combined 25 years of experience from our team of insurance experts to evaluate each carrier.
It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on each driver.
About Doug Schaffer
