Best Pay-As-You-Go Auto Insurance in Arizona (Find the Top 10 Providers for 2025)
Nationwide, Allstate and Mile Auto offer the best pay-as-you-go auto insurance in Arizona. You can get cheap AZ low-mileage auto insurance rates if you drive less than 10,000 miles per year. Minimum pay-as-you-go coverage starts at $20/mo. For example, Mile Auto charges an average of $0.08/mi.
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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...
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UPDATED: Mar 11, 2025
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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: Mar 11, 2025
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
Pay-As-You-Go Auto Insurance in AZ
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11,638 reviewsCompany Facts
Pay-As-You-Go Auto Insurance in AZ
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
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Pay-As-You-Go Auto Insurance in AZ
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 auto insurance 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 auto insurance 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 auto 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 offer cheaper rates to low-mileage drivers. Explore our Travelers auto insurance review to gain more insights.
- 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 auto insurance review.
Cons
- Telematics Tracking: You must 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 Progressive 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 auto insurance 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 auto 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 auto insurance 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 in AZ 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 |
|---|---|---|
| $29 | $90 |
 | $129 | $150 |
 | $75 | $130 |
| $70 | $105 |
 | $45 | $58 |
| $20 | $75 |
| $40 | $85 |
 | $49 | $62 |
 | $42 | $80 |
| $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 companies, but make sure to compare quotes first, especially if you are shopping for low-income auto insurance in Arizona.
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Getting the Best Pay-As-You-Go Auto Insurance in Arizona
Pay-as-you-go auto insurance in Arizona offers a flexible and cost-effective alternative to traditional policies, particularly for low-mileage drivers. These plans, also known as pay-per-mile insurance, calculate premiums based on actual driving habits rather than fixed rates.
Is pay per mile car insurance as good as it sounds?
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Companies like Metromile, Nationwide, and Mile Auto provide cheap auto insurance for high-risk drivers in Arizona. These pay-per-mile insurance options can be particularly beneficial for high-risk drivers looking to lower their premiums by driving less.
Key benefits include potential savings for infrequent drivers, real-time usage tracking, and customizable coverage. However, factors like mileage limits, telematics tracking, and insurer-specific pricing should be carefully considered. Choosing the best pay-as-you-go auto insurance in Arizona depends on individual driving patterns and coverage needs. Use our free tool to compare Arizona auto insurance quotes.
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-go insurance, providing flexible coverage based on miles driven. It’s also a smart choice for those looking for cheap Arizona auto insurance or usage-based car insurance in Arizona with personalized rates.
What is the best pay-as-you-go car insurance company in Arizona?
Nationwide offers the best pay-as-you-go auto insurance by the mile. It’s a top choice for those seeking the best auto insurance in Arizona.
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, making low-mileage car insurance a smart choice for those who drive less. Pay-by-mile car insurance offers cost savings, and drivers in Arizona can find cheap full coverage auto insurance tailored to their needs.
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.
Where can I get a $20 down payment for car insurance?
Some insurers, such as Dairyland and Acceptance Insurance, offer low-down-payment options. Availability depends on your location and driving record.
How do car insurance quotes and monthly payments work?
Quotes estimate your cost based on risk factors. Monthly payments allow you to spread the total premium over time instead of paying it upfront.
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 insurance costs.
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. 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.
Is cheap car insurance in South Carolina with no deposit available?
Some providers, such as Progressive and Geico, offer policies with no deposit, though you must pay the first month’s premium upfront.
Who offers cheap car insurance with no down payment?
Depending on your state and credit history, Geico, Progressive, and State Farm may provide no-down-payment options.
Who has the best auto insurance rates for seniors in Arizona?
Nationwide has some of the best rates. For quick savings tips, learn how to lower your auto insurance rates.
Does Allstate pay-as-you-go offer flexible coverage?
Allstate’s Milewise program allows drivers to pay per mile while maintaining complete coverage, making it flexible for low-mileage drivers.
What is minimum coverage insurance in Arizona?
The minimum coverage insurance in Arizona is liability insurance.
What are the best pay-per-mile car insurance options in Arizona?
The top choices for usage-based insurance include Allstate Milewise and Metromile, which offer affordable rates based on the number of miles driven.
Who has the best car insurance rates in Phoenix?
Geico, State Farm, and Progressive typically offer the most competitive rates in Phoenix, but prices vary based on driver profile.
Where can I find cheap car insurance in Florida with a low down payment?
Companies like Direct Auto and The General offer low-down-payment car insurance in Florida.
Where can I find pay-per-mile car insurance in Georgia?
Allstate Milewise and Nationwide SmartMiles provide pay-per-mile coverage in Georgia. Our Nationwide SmartMiles review will help you learn more.
Can I get free car insurance for the first month, with no deposit?
No major insurer offers a free first month, but some companies, like Hugo, provide flexible, short-term coverage.
How do I make a Go Auto online payment?
Visit Go Auto’s website, log into your account, and follow the steps to pay using a debit or credit card.
What do Hugo insurance reviews by the BBB say?
Hugo has mixed BBB reviews, with customers praising flexibility but reporting claims and customer service issues. Learn how to find cheap auto insurance for temporary residents.
Are Milewise insurance reviews positive?
Allstate’s Milewise program has mostly positive reviews. Users like the savings but note higher rates for frequent drivers.
What are alternatives to pay-as-you-go insurance like Hugo?
Alternatives include Metromile, Allstate Milewise, and Nationwide SmartMiles, offering pay-per-mile plans, along with pay-as-you-go full coverage insurance options for flexible protection.
Who offers pay-per-mile car insurance in California?
Metromile and Allstate Milewise are California’s top options for pay-per-mile car insurance.
See customized auto insurance quotes in seconds! Use our free tool to explore the best coverage options available near you.
Which is better: Root vs State Farm?
The root is better for low-mileage drivers who qualify based on driving habits, while State Farm offers broader coverage and discounts.
How does telematics insurance in Arizona work?
Telematics programs, like Progressive Snapshot and State Farm Drive Safe & Save, track driving habits to adjust premiums.
What’s the best pay-per-mile car insurance in Texas?
Allstate Milewise and Nationwide SmartMiles are Texas’s leading choices for pay-per-mile insurance.
What are pay-low insurance photos?
The term “pay-low insurance photos” is unclear, but some insurers require photos to prove vehicle condition before coverage.
How much is car insurance in AZ for a 20-year-old?
A 20-year-old in Arizona can expect to pay around $250–$400 monthly for AZ cheap auto insurance, depending on driving history and coverage level. Pay-as-you-go auto insurance can be a cost-effective option for low-mileage drivers.
Who owns Assurance America Insurance?
AssuranceAmerica is a privately owned insurance company based in Atlanta, Georgia.
Where can I get pay-as-you-go insurance in Georgia?
Allstate Milewise, Nationwide SmartMiles, and Hugo offer pay-as-you-go car insurance in Georgia. Additionally, if you’re wondering who owns Mile Auto Insurance, it is an independent company specializing in pay-per-mile coverage.
Is pay-as-you-go car insurance with no deposit available?
Some providers, like Hugo, offer pay-as-you-go car insurance with no deposit options, but you still need to pay for at least a few days of coverage upfront.
What’s new with Direct Auto Insurance expansion?
Direct Auto has expanded its services in Southern states, adding more locations and online policy management options.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
