What Used Cars Are the Cheapest To Insure in Arizona?
In Arizona, the Subaru Forester, Volvo XC40, and Mazda CX-5 are the cheapest used cars to insure. The Subaru Forester costs $79 monthly for full coverage, while the liability-only coverage costs $21.
Want to know the cheapest pre-owned vehicle to insure in Arizona? We researched insurance quotes in the state to save you the effort!
This article covers insurance basics for the state of Arizona and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!
Arizona Cheapest Used Cars To Insure
We reviewed 45 vehicles from the 2021 model year to determine which ones are the cheapest to insure in Arizona. We created a basic driver profile and entered it into an insurance quote generator to find insurance rates for each car.
Out of the 45 vehicles reviewed, the following are the three with the lowest full-coverage and liability-only rates:
1. 2021 Forester by Subaru
The 2021 Subaru Forester is the cheapest used vehicle to insure in Arizona. It’s a four-door compact crossover SUV that seats five. Full coverage for the Forester costs $79 a month, which is well below the state average of $151 a month. Liability-only coverage is $21 monthly.
The 2021 Subaru Forester also saves you money at the fuel pump with a 26-mpg city rating and a 33-mpg highway rating. When it comes to safety, the 2021 Forester was a winner of the Insurance Institute for Highway Safety’s (IIHS) Top Safety Pick+ award.
2. 2021 XC40 by Volvo
The second cheapest used vehicle to insure in Arizona is the 2021 Volvo XC40, a four-door subcompact SUV with seating for five. While the average cost for full insurance coverage in Arizona is $151 a month, full coverage for the XC40 only costs $79 a month. Liability-only coverage is $22 monthly.
The XC40 gets 22 mpg in the city and 30 mpg on the highway. Like the Forester, the XC40 is an IIHS Top Safety Pick+.
3. 2021 CX-5 by Mazda
The 2021 CX-5 is Arizona’s third cheapest used vehicle to insure. It’s a four-door compact SUV with seating for five. At $79 a month for full coverage, owning a 2021 CX-5 means you’ll pay less than the average $151 monthly cost. Liability-only coverage costs $25 a month to cover.
The CX-5 can get up to 25 mpg in the city and 31 mpg on the highway. The 2021 XC40 holds the honor of being an IIHS Top Safety Pick+.
The 45 Cheapest Used Vehicles To Insure in Arizona
To determine the 45 cheapest used vehicles to insure in Arizona, we reviewed a variety of vehicles from the IIHS 2021 Top Safety Pick+ list. The list is arranged by class, starting with small cars, and we reviewed several vehicles across various classes to ensure a diverse selection.
The monthly prices for full coverage and liability coverage were generated by feeding each vehicle and a basic driver profile into a quote generator, then selecting the lowest quotes.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 2021 | Subaru | Forester | $79.00 | $21.00 |
| 2021 | Volvo | XC40 | $79.00 | $22.00 |
| 2021 | Mazda | CX-5 | $79.00 | $25.00 |
| 2021 | Mazda | CX-3 | $79.00 | $26.00 |
| 2021 | Subaru | Outback | $80.00 | $20.00 |
| 2021 | Ford | Bronco Sport | $85.00 | $22.00 |
| 2021 | Mazda | CX-30 | $87.00 | $25.00 |
| 2021 | Nissan | Rogue | $87.00 | $26.00 |
| 2021 | Subaru | Legacy | $88.00 | $22.00 |
| 2021 | Mazda | CX-9 | $88.00 | $23.00 |
| 2021 | Hyundai | Palisade | $89.00 | $26.00 |
| 2021 | Chevrolet | Trailblazer | $90.00 | $25.00 |
| 2021 | Honda | Insight | $92.00 | $24.00 |
| 2021 | Nissan | Murano | $92.00 | $27.00 |
| 2021 | Mazda | Mazda3 Hatchback | $93.00 | $25.00 |
| 2021 | Mazda | Mazda3 Sedan | $93.00 | $25.00 |
| 2021 | Honda | Accord | $93.00 | $22.00 |
| 2021 | Ford | Explorer | $95.00 | $31.00 |
| 2021 | Mazda | Mazda6 | $96.00 | $24.00 |
| 2021 | Toyota | Camry | $100.00 | $22.00 |
| 2021 | Volvo | S90 | $101.00 | $24.00 |
| 2021 | Volvo | S90 Recharge | $101.00 | $24.00 |
| 2021 | Volvo | S60 | $102.00 | $22.00 |
| 2021 | Nissan | Altima | $103.00 | $25.00 |
| 2021 | Kia | K5 | $105.00 | $25.00 |
| 2021 | Audi | A6 | $105.00 | $24.00 |
| 2021 | Lexus | ES 350 | $106.00 | $24.00 |
| 2021 | Volvo | V60 | $107.00 | $28.00 |
| 2021 | Volvo | V60 Cross Country | $107.00 | $28.00 |
| 2021 | Kia | Stinger | $109.00 | $28.00 |
| 2021 | Acura | TLX | $111.00 | $29.00 |
| 2021 | Volvo | V90 | $111.00 | $23.00 |
| 2021 | Volvo | V90 Cross Country | $111.00 | $23.00 |
| 2021 | Mercedes-Benz | E-Class | $112.00 | $24.00 |
| 2021 | Volvo | V60 Recharge | $113.00 | $17.00 |
| 2021 | Genesis | G70 | $114.00 | $32.00 |
| 2021 | Genesis | G80 | $114.00 | $32.00 |
| 2021 | Nissan | Maxima | $117.00 | $28.00 |
| 2021 | Audi | A7 | $117.00 | $27.00 |
| 2021 | Lexus | IS | $118.00 | $28.00 |
| 2021 | Tesla | Model 3 | $123.00 | $25.00 |
| 2021 | Genesis | G90 | $130.00 | $27.00 |
| 2021 | Mercedes-Benz | C-Class | $138.00 | $27.00 |
| 2021 | Volvo | S60 Recharge | $166.00 | $24.00 |
| 2021 | Audi | A6 Allroad | $206.00 | $25.00 |
Full Coverage vs. Liability Insurance Costs
Liability-only insurance is cheaper than full coverage. That’s because liability insurance only pays for damage to the other driver’s car, while full coverage also provides financial protection for your vehicle. These are the average monthly costs for Arizona drivers:
| Full-coverage policy | Liability-only policy |
|---|---|
| $151.00 | $49.00 |
The Best Arizona Car Insurance Companies
The three best automobile insurance companies in Arizona are American Family, State Farm, and Farmers Insurance.
To identify the best automobile insurance companies, we looked at which companies have the largest market share in Arizona, according to Everquote. Then we looked at the complaint index for each company as determined by the National Association of Insurance Commissioners (NAIC).
The average complaint index is 1, meaning that any company with a higher index has received more complaints than expected in the market. Companies with a lower complaint index indicate fewer complaints and happier claimants. You can see all of the rankings below:
| Insurance Company | Market Share | Percent of Total Complaints | Complaint Index* |
|---|---|---|---|
| American Family | 6.22% | N/A | 0.59 |
| State Farm | 15.47% | N/A | 1 |
| Farmers | 7.77% | N/A | 1 |
| Liberty Mutual | 5.5% | N/A | 1.11 |
| Progressive | 11.97% | N/A | 1.41 |
| Allstate | 7.58% | N/A | 1.6 |
| Berkshire Hathaway | 15.7% | N/A | 1.77 |
*Complaint Index data are national numbers from the NAIC.
Tips to Lower Insurance Premiums in Arizona
Drivers in Arizona can follow these tips to maximize discounts and minimize insurance premiums:
- Take a defensive driving course.
- Enroll in a telematics program.
- Raise your deductible to lower your premium.
- Ask your insurance company if it offers discounts relevant to your profession or military status.
Research Methodology
We selected an in-state address to help drivers in Arizona find the least expensive pre-owned vehicles to insure. Focusing on Arizona data provides more relevant information for Arizona policyholders than national averages.
We combined the Arizona address with a basic driver profile to generate insurance quotes for 45 vehicles.
Basic Driver Profile
- 35-year-old male with a bachelor’s degree
- Single and employed full time
- Homeowner but did not bundle policies
- Owns the vehicle rather than leases or finances it
- Has been with the current insurance carrier for five or more years
We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.
We used the following limits for liability-only quotes:
- $100,000/$300,000 liability limits
- $100,000 property damage limits
- $10,000 personal injury protection
For the full-coverage quotes, we included the following coverages with the liability selections:
- $1,000 deductible on collision coverage
- $1,000 deductible for comprehensive coverage
- $50/$1,500 rental reimbursement
- $100 roadside assistance
Frequently Asked Questions
What is the cheapest SUV to insure in Arizona?
The cheapest SUV to insure in Arizona is the 2021 Subaru Forester. A full-coverage policy for the Forester costs $948 annually ($79 monthly).
Are older cars cheaper to insure?
Yes, because older cars are less expensive to repair and replace. Your car depreciates over time, meaning your insurance company doesn’t have to pay as much in the event of an accident.
How much liability insurance is required in Arizona?
Arizona requires drivers to carry $25,000 bodily injury liability for one person per accident, $50,000 for two or more persons per accident, and a minimum of $15,000 for property damage liability.
What is the penalty for driving without insurance in Arizona?
First-time penalties include a $500 fine, a three-month suspension of driver’s license, registration, and license plates, a $50 fee to reinstate the registration, and a $20 to $30 fee (depending on the driver’s age) for license reinstatement.
Second-time penalties include a $750 fine, a six-month suspension of driver’s license, registration, and license plates, a $50 fee to reinstate the registration, and a $20 to $30 fee (depending on the driver’s age) for license reinstatement.
Third offenses earn the following penalties: a $1,000 fine, a one-year suspension of driver’s license, registration, and license plates, a $50 fee to reinstate the registration, and a $20 to $30 fee (depending on the driver’s age) for license reinstatement.
What is the basic insurance for a car?
Liability insurance is the most basic type of car insurance, and it covers the other driver’s expenses when you’re responsible for an accident. Your leasing company or financing company may require you to carry additional coverage, such as a comprehensive policy.
What car has the highest insurance rates?
Luxury vehicles, sports cars, and rare automobiles are the most expensive to insure because they’re more costly to repair or replace.
References
- (2023.)Personalized Quotes. The Zebra. Retrieved March 4, 2023, from https://www.thezebra.com/insurance/car/
- (2021.) 2021 Top Safety Picks. Insurance Institute for Highway Safety. Retrieved March 4, 2023, from https://www.iihs.org/ratings/top-safety-picks/2021?tspPlusOnly#award-winners
- (2020.) 2021 Subaru Forester Brochure. Subaru. Retrieved March 5, 2023, from https://www.subaru.com/content/dam/subaru/downloads/pdf/brochures/2021/forester/2021_Subaru_Forester_Brochure.pdf
- (2020.) 2021 XC40 Owners Manual. Volvo. Retrieved March 5, 2023, from https://www.volvocars.com/en-ca/support/car/xc40/2020w17#8899be1dc7fc78b1c0a81f6f5a01b4ab
- (2023.) Updated 2021 Mazda CX-5 Brochure. Mazda. Retrieved March 5, 2023, from https://www.mazdausa.com/siteassets/pdf/owners-optimized/2021/cx-5/2021-cx5-ebrochure-updated.pdf
- (2023.) Consumer Insurance Search Results. National Association of Insurance Commissioners. Retrieved March 5, 2023, from https://content.naic.org/cis_refined_results.htm
- (2023.) Average Cost of Car Insurance in Arizona in 2023. Bankrate. Retrieved March 5, 2023, from https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-arizona/
- (2022.) Penalties for Driving Without Insurance in Arizona. ValuePenguin. Retrieved March 5, 2023, from https://www.valuepenguin.com/auto-insurance/arizona/penalties-driving-without-insurance
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
