Best Pay-As-You-Go Auto Insurance in Arizona (Find the Top 10 Providers for 2024)
Nationwide, Allstate, and Mile Auto have the best pay-as-you-go auto insurance in Arizona. You'll get cheap AZ low-mileage auto insurance rates if you drive less than 10,000/yr. Base rates start at $20/mo, and Mile Auto charges an average of $0.08/mi. Allstate is the best for pay-as-you-go full coverage insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: May 24, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,019 reviewsCompany Facts
Full Coverage for Pay-As-You-Go Auto Insurance in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
11,413 reviewsCompany Facts
Full Coverage for Pay-As-You-Go Auto Insurance in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
12 reviewsCompany Facts
Full Coverage for Pay-As-You-Go Auto Insurance in Arizona
A.M. Best Rating
Complaint Level
Pros & Cons
12 reviewsNationwide, Allstate, and Mile Auto have the best pay-as-you-go auto insurance in Arizona.
When buying pay-as-you-go Arizona auto insurance, consider the following companies. Some offer affordable monthly payments for regular insurance policies, while others offer the option to pay by the mile after a monthly set fee.
Our Top 10 Company Picks: Best Pay-As-You-Go Auto Insurance in Arizona
| Company | Rank | Monthly Rates | Safe Driving Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $20 | 40% | Safe Drivers | Nationwide |
 | #2 | $29 | 40% | Comprehensive Coverage | Allstate |
 | #3 | $45 | 30% | Low Mileage | Mile Auto |
 | #4 | $70 | 30% | Tech-Savvy Drivers | Metromile |
 | #5 | $49 | 30% | Tech-Friendly | Root |
 | #6 | $37 | 30% | Low-Mileage Discounts | Travelers |
 | #7 | $42 | 30% | Consistent Rates | State Farm |
 | #8 | $40 | 30% | Snapshot Program | Progressive |
 | #9 | $75 | 20% | Flexible Policies | Hugo |
 | #10 | $129 | 20% | Broad Availability | AssuranceAmerica |
Read on to learn about the top 10 auto insurance companies in Arizona for pay-as-you-go coverage. You can also compare rates with our free tool to quickly find cheap pay-per-mile auto insurance in Arizona.
- Nationwide has the best low-mileage car insurance for Arizona drivers
- Allstate also has great pay-as-you-go full coverage insurance
- All Arizona drivers are required to carry auto insurance
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#1 – Nationwide: Top Overall Pick
Pros
- Safe Drivers: Nationwide’s rates are best for safe drivers with clean driving records. Learn more about rates in our Nationwide review.
- Bundling Discounts: Purchase more insurance to save more at Nationwide.
- Roadside Assistance: Available 24/7 when added to an auto insurance policy.
Cons
- Data Tracking: To get Nationwide’s low mileage insurance, you must be comfortable with data tracking.
- High-Risk Rates: Savings for low mileage insurance won’t be as significant for higher-risk drivers.
#2 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Purchase comprehensive coverage for the best protection in Arizona.
- Milewise Coverage: Pay by the mile with Allstate’s Milewise insurance program. Learn more by reading our Allstate Milewise review.
- Mobile App: Allstate’s mobile app is simple to use and allows drivers to make policy changes or file claims.
Cons
- Complaints: Allstate’s complaint ratio is slightly higher than the norm.
- Telematics Tracking: Your driving data is tracked if you choose pay-per-mile car insurance in Arizona.
#3 – Mile Auto: Best for Low Mileage
Pros
- Low Mileage: Drivers will get the best savings if they are low-mileage drivers. learn more in our Mile Auto insurance review.
- Telematics-Free: Your driving data isn’t tracked by Mile Auto.
- Simple Pricing Model: You’ll know exactly how much you’ll pay each month based on your mileage.
Cons
- High-Mileage Costs: Mile Auto is not a cost-effective option for high-mileage drivers.
- Coverage Options: Coverage options are just the basics at Mile Auto.
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#4 – Metromile: Best for Tech-Savvy Drivers
Pros
- Tech-Savvy Drivers: Tech-savvy customers will find it a breeze to operate Metromile online.
- Customizable Coverages: Pick how much coverage you want on your policy. Learn more in our Metromile review.
- Easy-To-Use App: Metromile’s app is easy to operate.
Cons
- High-Mileage Costs: Metromile is not cost-effective for high-mileage drivers.
- Telematics Tracking: Metromile will track your driving habits.
#5 – Root: Best for Tech-Friendly
Pros
- Tech-Friendly: Root is easy to manage, even for those who aren’t tech-savvy.
- Good Drivers: Root’s rates are the best for good drivers. Learn more in our review of Root Insurance.
- Coverage Options: Root offers a better variety of coverages than most other companies with usage-based auto insurance in Arizona.
Cons
- Telematics Tracking: Root does track mileage and driving habits on an app.
- High-Risk Drivers: As rates are based on driving skills, those who speed or drive at night pay more.
#6 – Travelers: Best for Low-Mileage Discounts
Pros
- Low Mileage Discounts: Travelers offers cheaper rates to low-mileage drivers.
- Coverage Options: There are a number of coverage options to add to your cheap low-mileage car insurance policy.
- Loyalty Discounts: Sticking with the company as a provider could result in lower rates.
Cons
- Usage-Based Rate Increases: Trying to save with Traveler’s UBI program could backfire if you drive poorly.
- Telematics Tracking: You must be comfortable with your driving habits being tracked.
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#7 – State Farm: Best for Consistent Rates
Pros
- Consistent Rates: State Farm’s rates generally stay consistent thanks to its financial management.
- Agent Network: Get in-person assistance easily through State Farm’s agent network.
- Coverage Options: Read about coverage options from the company in our State Farm review.
Cons
- Telematics Tracking: You will need to have your driving data tracked to qualify for low mileage and good driver discounts.
- High-Risk Rates: State Farm’s usage-based car insurance in Arizona isn’t as affordable for poor drivers.
#8 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Letting Snapshot monitor your driving could result in a discount of up to 30%.
- Online Tools: Take advantage of Progressive’s online app to manage your policy or its free budgeting tool.
- Coverage Options: Learn what Progressive sells in our Progressive review, from roadside assistance to comprehensive coverage.
Cons
- Snapshot Rate Increases: Participating in the program could backfire for bad drivers, as rates could increase.
- Telematics Tracking: You must let Progressive track your data to get Arizona low-mileage auto insurance rates.
#9 – Hugo: Best for Flexible Policies
Pros
- Flexible Policies: You can choose minimum or full coverage from Hugo. Learn more in our Hugo insurance review.
- Simple Pricing: Pricing is transparent at Hugo, so customers can easily calculate their monthly spending.
- Pause Feature: Customers can turn their coverage off if they aren’t driving for a while.
Cons
- High-Mileage Drivers: Hugo is not an economical choice for high-mileage drivers.
- Add-On Coverage Options: Hugo doesn’t offer as many add-ons as other companies.
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#10 – AssuranceAmerica: Best for Broad Availability
Pros
- Broad Availability: AssuranceAmerica is available in more locations than other popular pay-per-mile companies.
- Local Agents: Most customers will be able to get personalized assistance from AssuranceAmerica.
- Flexible Payments: AssuranceAmerica offers flexible payment options to customers.
Cons
- App Features: AssuranceAmerica’s app features may be more limited than its competitors.
- Coverage Options: AssuranceAmerica’s add-ons aren’t as numerous as other companies. Learn more in our AssuranceAmerica review.
Understanding How Arizona Pay-As-You-Go Insurance Works
The best pay-as-you-go auto insurance companies tend to operate similarly. If you choose a pay-per-mile company like Nationwide’s SmartMiles, it will operate as you see below.
If the company you chose doesn’t offer a pay-per-mile option but a usage-based discount, it will track your data and award a discount based on your driving habits and mileage.
Deciding to Buy Pay-As-You-Go Auto Insurance in Arizona
Take a look at the average rates below to get a better idea of how annual mileage affects your auto insurance rates.
Arizona Auto Insurance Monthly Rates by Age, Gender, & Annual Mileage
| Age & Gender | 6,000 Miles | 10,000 Miles | 12,000 Miles | 15,000 Miles |
|---|---|---|---|---|
| 16-Year-Old Female | $290 | $310 | $325 | $340 |
| 16-Year-Old Male | $310 | $330 | $345 | $360 |
| 20-Year-Old Female | $240 | $255 | $270 | $285 |
| 20-Year-Old Male | $260 | $275 | $290 | $305 |
| 30-Year-Old Female | $180 | $190 | $200 | $210 |
| 30-Year-Old Male | $190 | $200 | $210 | $220 |
| 40-Year-Old Female | $170 | $180 | $185 | $195 |
| 40-Year-Old Male | $175 | $185 | $190 | $200 |
| 50-Year-Old Female | $160 | $165 | $170 | $180 |
| 50-Year-Old Male | $165 | $170 | $175 | $185 |
| 60-Year-Old Female | $155 | $160 | $165 | $175 |
| 60-Year-Old Male | $160 | $165 | $170 | $180 |
| 70-Year-Old Female | $165 | $170 | $175 | $185 |
| 70-Year-Old Male | $170 | $175 | $180 | $190 |
With low-mileage auto insurance companies, you get rewarded for driving less with lower rates. However, bear in mind that your location in Arizona may impact your Arizona pay-per-mileage reimbursement amount, as some areas are riskier and come with higher rates.
Arizona Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Glendale | Mesa | Phoenix | Scottsdale | Tucson |
|---|---|---|---|---|---|
| 16-Year-Old Female | $250 | $240 | $260 | $230 | $220 |
| 16-Year-Old Male | $270 | $260 | $280 | $250 | $240 |
| 20-Year-Old Female | $210 | $200 | $220 | $190 | $180 |
| 20-Year-Old Male | $230 | $220 | $240 | $210 | $200 |
| 30-Year-Old Female | $160 | $150 | $170 | $140 | $130 |
| 30-Year-Old Male | $170 | $160 | $180 | $150 | $140 |
| 40-Year-Old Female | $150 | $140 | $160 | $130 | $120 |
| 40-Year-Old Male | $155 | $145 | $165 | $135 | $125 |
| 50-Year-Old Female | $140 | $130 | $150 | $120 | $110 |
| 50-Year-Old Male | $145 | $135 | $155 | $125 | $115 |
| 60-Year-Old Female | $135 | $125 | $145 | $115 | $105 |
| 60-Year-Old Male | $140 | $130 | $150 | $120 | $110 |
| 70-Year-Old Female | $140 | $130 | $150 | $120 | $110 |
| 70-Year-Old Male | $145 | $135 | $155 | $125 | $115 |
Your rates will be higher in correlation with the more crashes and claims filed in your area.
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Meeting Arizona Auto Insurance Requirements
All drivers should be aware of Arizona minimum auto insurance requirements before they hit the road.
Arizona auto insurance laws require drivers to carry liability insurance in the amount of 25/50/15.Dani Best Licensed Insurance Producer
The table below shows the difference in cost between full and minimum coverage.
Arizona Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $280 | $600 |
| 16-Year-Old Male | $300 | $650 |
| 20-Year-Old Female | $220 | $470 |
| 20-Year-Old Male | $240 | $510 |
| 30-Year-Old Female | $160 | $340 |
| 30-Year-Old Male | $170 | $360 |
| 40-Year-Old Female | $150 | $320 |
| 40-Year-Old Male | $155 | $330 |
| 50-Year-Old Female | $140 | $300 |
| 50-Year-Old Male | $145 | $310 |
| 60-Year-Old Female | $135 | $290 |
| 60-Year-Old Male | $140 | $300 |
| 70-Year-Old Female | $140 | $305 |
| 70-Year-Old Male | $145 | $310 |
While full coverage costs more, it is still possible to find cheap full coverage auto insurance by shopping around.
Saving Money on Arizona Auto Insurance
You will find the best auto insurance for low-mileage drivers at the following companies.
Pay-As-You-Go Auto Insurance in Arizona: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $29 | $90 |
| AssuranceAmerica | $129 | $150 |
| Hugo | $75 | $130 |
| Metromile | $70 | $105 |
| Mile Auto | $45 | $58 |
| Nationwide | $20 | $75 |
| Progressive | $40 | $85 |
| Root | $49 | $62 |
| State Farm | $42 | $80 |
| Travelers | $37 | $59 |
If the rates at your favorite company seem too high, make sure to shop around for discounts to save on your Arizona auto insurance costs.
A number of companies offer a low-mileage auto insurance discount, even if they don’t have pay-per-mile insurance.
Companies may also offer bundling discounts, good driver discounts, and many more.
Get The Best Pay-As-You-Go Auto Insurance in Arizona Online
Pay-as-you-go is a great option to save money, especially for low-mileage drivers looking for affordable, low-income car insurance in Arizona. Now that you know who has the best car insurance for low-mileage drivers, you probably want to know how to buy auto insurance instantly.
You can purchase insurance directly from most insurance companies, but make sure to compare quotes first, especially if you are shopping for low-income auto insurance in Arizona. Use our free tool to compare Arizona auto insurance quotes.
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Frequently Asked Questions
Is Allstate Milewise a good option for pay-as-you-go auto insurance in AZ?
Yes, Allstate Milewise auto insurance is a great option for pay-as-you-auto insurance.
What is the best pay-as-you-go car insurance company in Arizona?
Nationwide has the best pay-as-you-go auto insurance.
Which Arizona pay-as-you-go auto insurance company has the best rates?
Nationwide has the best rates for cheap usage-based auto insurance, as minimum coverage is only an average of $20/mo in Arizona.
What’s considered very high mileage for pay-as-you-go auto insurance?
Driving more than 15,000 miles per year is considered high mileage.
Is Arizona a no-fault insurance state?
No, Arizona is an at-fault state, so Arizona auto insurance requirements will be different than no-fault states.
Is comprehensive coverage required in Arizona?
The state of Arizona does not require comprehensive auto insurance.
What is minimum coverage insurance in Arizona?
The minimum coverage insurance in Arizona is liability insurance.
Is it illegal to not have car insurance in Arizona?
Yes, it is illegal not to have auto insurance in Arizona. If you are looking for affordable rates, consider cheap auto insurance with no down payment. No down payment car insurance can reduce your initial costs for insurance.
If you want to start shopping for no down payment auto insurance today, you can enter your ZIP into our free quote tool to quickly find cheap car insurance with no deposit.
Does insurance follow the car or the driver in Arizona?
Arizona car insurance typically follows the car, not the driver.
Which insurance company insures the most cars in Arizona?
State Farm is one of the largest insurers in Arizona.
Who has the best auto insurance rates for seniors in Arizona?
Nationwide has some of the best rates. To shop for senior auto insurance today, enter your ZIP code into our free quote tool. You can also read our article on how to lower your auto insurance rates for quick saving tips.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
