How much does Travelers auto insurance cost in Arizona?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Travelers in Arizona runs about $1,450/year (~$121/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Travelers cheaper than other carriers in Arizona?

Yes — Travelers typically runs about 13% below the Arizona state average ($1,675/year for all carriers combined). The cheaper alternatives in Arizona are typically USAA, Erie, GEICO. Whether Travelers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Arizona minimum coverage requirements?

Arizona requires at least 25/50 thousand in bodily-injury liability per person/per accident and $15K in property-damage liability. Arizona is not a no-fault state, so PIP is optional but recommended for added medical coverage. Phoenix and Tucson urban claims push rates ~14% above the state average.

Does Travelers offer discounts to Arizona drivers?

Travelers offers 7+ discounts that Arizona drivers can stack: IntelliDrive (telematics), Multi-policy, Continuous insurance, Hybrid/EV, Homeowner, Safe driver, New car. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

How much does Travelers auto insurance cost in Arizona?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Travelers in Arizona runs about $1,450/year (~$121/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Travelers cheaper than other carriers in Arizona?

Yes — Travelers typically runs about 13% below the Arizona state average ($1,675/year for all carriers combined). The cheaper alternatives in Arizona are typically USAA, Erie, GEICO. Whether Travelers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the Arizona minimum coverage requirements?

Arizona requires at least 25/50 thousand in bodily-injury liability per person/per accident and $15K in property-damage liability. Arizona is not a no-fault state, so PIP is optional but recommended for added medical coverage. Phoenix and Tucson urban claims push rates ~14% above the state average.

Does Travelers offer discounts to Arizona drivers?

Travelers offers 7+ discounts that Arizona drivers can stack: IntelliDrive (telematics), Multi-policy, Continuous insurance, Hybrid/EV, Homeowner, Safe driver, New car. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

Travelers Auto Insurance in Arizona

Travelers is the largest property-casualty insurer in the U.S. and writes about 2.5% of the personal-auto market. IntelliDrive telematics + ~150-year claims operations history make it a default choice for risk-averse drivers who want a balance of price and service. Here's what Travelers typically costs in Arizona for 2026 — plus the 3 cheaper alternatives most Arizona drivers overlook.

Read our full Travelers auto insurance review

Estimated annual premium

$1,450

Estimated monthly

$121

Arizona state avg

$1,675

vs Arizona avg

-13%

Why drivers pick Travelers

Strong claims-handling and policy stability — Travelers has lower mid-policy rate creep than most direct writers (industry-low 3.2% avg annual increase vs. peer 5.5%).

Where Travelers falls short

Initial quotes for high-risk drivers (1+ at-fault claims, sub-680 FICO) run 15-25% above peer carriers — pricing softens at renewal but starts steep.

Arizona minimum coverage requirements

Bodily Injury Liability: 25/50 thousand per person / per accident
Property Damage Liability: $15K

Phoenix and Tucson urban claims push rates ~14% above the state average.

Cheaper alternatives to Travelers in Arizona

Based on CarSavr's rate modeling, the 3 carriers below typically come in below Travelers for a comparable driver profile in Arizona. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$1,000/yr

Save $450/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$1,250/yr

Save $200/yr

GEICO

Clean-record drivers · Online-first shoppers

$1,275/yr

Save $175/yr

Travelers discounts available to Arizona drivers

IntelliDrive (telematics)Multi-policyContinuous insuranceHybrid/EVHomeownerSafe driverNew car

Travelers Arizona rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Travelers Arizona estimate for each class:

+10% vs sedan

Travelers SUV insurance

Arizona estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Travelers Pickup truck insurance

Arizona estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Travelers Electric Vehicle (EV) insurance

Arizona estimate · Tesla Model 3, Tesla Model Y

Travelers Arizona rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Travelers Arizona estimate for each profile:

+100% vs standard

Travelers New Driver insurance

Arizona · 16-24

-8% vs standard

Travelers Senior Driver insurance

Arizona · 65+

Travelers NOT ELIGIBLE

Travelers SR-22 High-Risk insurance

Arizona · any (SR-22 required)

-18% vs standard

Travelers Low-Mileage Driver insurance

Arizona · any (<7,500 mi/yr)

Frequently asked questions

Methodology: Estimated annual premium is computed as Travelers's national average ($1,560) multiplied by Arizona's state-vs-national premium index ($1,675 ÷ national average $1,789 ≈ 0.94x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Travelers J.D. Power score: 821/1000. A.M. Best rating: A++ (2024).