How Much Is Car Insurance in Arizona? (November 2024)

In Arizona, if you're looking for full coverage on your car insurance, you'll typically pay around $1,510 annually, while minimum coverage generally costs about $738.

Companies determine your car insurance premium by considering several factors — your age, the level of coverage you select, where you live, your driving record and your credit history. Remember, it's not just about finding the cheapest option; it's about finding the best coverage that fits your needs and budget.

Arizona's average full coverage car insurance costs around $1,510 annually. Knowing this average can help you determine if you're getting a competitive quote when comparing car insurance quotes.

Here's a look at standard rates for auto insurance in Arizona. These numbers reflect what you might pay yearly for minimum or full coverage plans.

Car insurance in Arizona is higher compared to the national average. For instance, state minimum coverage averages $738 per year ($62 monthly). Compared to the national average, which is about $628 annually ($52 a month), Arizona's rates are higher.

Costs for full coverage insurance with a $1,000 deductible in Arizona average $1,510 annually ($126 a month), compared to the national average of $1,337 ($111 a month). Rates in Arizona can be affected by factors such as the number of uninsured drivers, the local cost of vehicle repairs and medical care and state insurance laws.

Car insurance premiums can differ greatly among companies, even within the same state. In Arizona, Root Insurance Company offers some of the cheapest full coverage at an annual premium of $943, contrasting with The General, which presents a much steeper premium of $2,932.

Finding the cheapest car insurance in Arizona requires comparison shopping to secure the most affordable plan that meets your needs.

The cost of car insurance in Arizona is also influenced by the level of coverage you select. For instance, the average monthly cost for minimum coverage is about $62, compared to $126 for a full coverage policy. Despite being pricier, a full coverage policy is recommended for its comprehensive protection.

For those considering full coverage insurance, remember that while adding comprehensive and collision coverage will elevate your premiums, opting for higher deductibles can help mitigate these costs. The deductible, typically set at $1,000 for full coverage, applies to each comprehensive and collision claim, offering a way to balance affordability with protection.

In Arizona, the minimum car insurance requirements include $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $15,000 property damage liability per accident. Uninsured/underinsured motorist coverages aren't mandatory.

Your location plays a key role in car insurance premiums. For instance, in Arizona, full coverage in Chandler is $1,134, while in Phoenix, it costs $1,360. Car insurance rates in Arizona can be influenced by your driving history, the type of car you drive and even the level of traffic in your city.

Age significantly influences car insurance costs in Arizona, where younger drivers typically pay higher premiums. Drivers aged 22 to 29 face the steepest rates, with an average annual premium of $1,908. Insurance costs tend to decrease with age due to insurers' perception of risk; seasoned drivers, such as those aged 30 to 59, pay less, averaging $1,510 annually, and those 60+ pay even lower rates, with an average of $1,449 per year.

Age and gender are significant factors impacting Arizona car insurance rates. For example, 16-year-old male drivers added to a family policy face an average annual premium of $3,028, marking one of the highest rates across age groups.

It's typically against the law for minors to secure car insurance without an adult co-signer. If a 16-year-old male opts for an individual policy, the annual premium increases to $6,025.

On average, full coverage car insurance for a 2012 car model costs $1,136 annually, while a 2022 model with the same coverage sees a premium of $1,306. Newer cars have higher actual cash values and potentially steeper repair costs. It's advisable for drivers of new cars to secure comprehensive and collision coverage, ensuring financial protection from a wide array of incidents, such as accidents, natural disasters and theft.

The average cost of car insurance in Arizona varies based on a driver's record. Here's how driving history can affect your rates:

• With a ticket: $1,948 per year, $162 per month
• With an at-fault accident: $2,347 per year, $196 per month
• With a DUI: $2,450 per year, $204 per month

The type of violation causes an increase in your car insurance premium in Arizona. Any violations will continue to affect your rates as long as they're on your driving record. For instance, in Arizona, a DUI can stay on your record for up to seven years. While a DUI generally leads to the highest insurance costs, sometimes, other violations might cause rates to be just as high.

In Arizona, average car insurance costs vary significantly with credit scores, from $733 for excellent credit to $1,958 for poor credit annually. Your credit score plays a role in determining your car insurance rates in the state. A good credit score ranges from 670 to 739, with higher scores typically leading to lower insurance premiums due to perceived reliability in prompt payments and responsible behavior.

Understanding what influences the cost of your car insurance in Arizona can help you find the right coverage. Here are the key factors that affect your rates:

• Driving Record: A clean driving record typically means lower insurance costs, while traffic violations or accidents can increase your premiums in Arizona due to higher perceived risk.
• Age and Gender: Statistically, young drivers and males often face higher insurance rates due to their increased risk of accidents. Drivers in Arizona may notice these demographics affecting their premiums.
• Credit Score: In Arizona, a higher credit score can lead to more affordable car insurance rates, as insurers view drivers with good credit as less risky to insure.
• Vehicle Type: The cost, repair expenses and the likelihood of theft of your vehicle can impact insurance costs. In Arizona, driving a car that's expensive to repair can lead to higher premiums.
• Location Within Arizona: Urban areas with high traffic congestion and theft rates may have higher insurance costs compared to rural, less populated areas.
• Coverage Level: Opting for more than the state minimum coverage can increase your insurance costs. Consider the balance between protection and affordability.
• Deductible Amount: Choosing a higher deductible can lower your monthly premiums but means more out-of-pocket expenses if you file a claim.
• Discount Qualifications: Insurers offer various discounts for safe driving, security features or bundling policies. Arizona drivers should ask about potential discounts to lower their rates.
• Insurance History: Those with continuous auto insurance coverage may receive better rates than those with gaps in their insurance history.
• Marital Status: Married individuals often receive lower rates as they are statistically less likely to get into accidents, which is reflected in Arizona's insurance pricing.

For full protection, consider adding comprehensive insurance and collision insurance.

To secure affordable car insurance in Arizona, compare rates, raise your deductible and utilize all available discounts to lower premiums effectively.

Get answers about what impacts the average cost of car insurance in Arizona and how to find affordable rates.