Updated: December 19, 2024
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In Arizona, if you're looking for full coverage on your car insurance, you'll typically pay around $1,537 annually, while minimum coverage generally costs about $745.
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.
In Arizona, the average annual cost of full coverage car insurance is $1,537, which is $167 higher than the national average of $1,370, highlighting a less affordable insurance environment compared to other states.
In Arizona, the average annual cost for minimum car insurance coverage is $745, which is higher than the national average of $630, and the monthly cost is approximately $62, underscoring the relatively more expensive rates in the state compared to the national standard.
In Arizona, Root Insurance Company offers the cheapest full coverage car insurance with an annual cost of $943, while The General provides the most expensive option at $2,932 per year.
Why Trust MoneyGeek? MoneyGeek analyzed Arizona auto insurance rates using data and information from the Arizona Department of Insurance and Quadrant Information Services.
These rates reflect the average cost of car insurance in Arizona as of December 2024.
The average cost of full coverage car insurance in Arizona is $1,537 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.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,537 | $128 |
| 100/300/100 Liability Only | $946 | $79 |
| State Minimum Liability Only | $745 | $62 |
Car insurance in Arizona is higher compared to the national average. For instance, state minimum coverage averages $745 per year. Compared to the national average, which is about $630 annually, Arizona's rates are higher.
Costs for full coverage insurance with a $1,000 deductible in Arizona average $1,537 annually, compared to the national average of $1,370. Rates in Arizona can be affected by factors such as the urban population density, regional weather conditions, accident rates, 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.
| Root Insurance Company | $943 | $79 |
| Travelers | $1,094 | $91 |
| Progressive | $1,157 | $96 |
| GEICO | $1,169 | $97 |
| State Farm | $1,208 | $101 |
| Auto-Owners Insurance Co | $1,231 | $103 |
| Farmers | $1,367 | $114 |
| Hartford | $1,403 | $117 |
| Iowa Farm Bureau | $1,410 | $118 |
| Allstate | $1,449 | $121 |
| Nationwide | $1,556 | $130 |
| Mercury | $1,736 | $145 |
| Country Financial | $1,736 | $145 |
| CSAA | $2,658 | $221 |
| The General | $2,932 | $244 |
The cost of car insurance in Arizona is also influenced by the level of coverage you select. Monthly premiums for minimum coverage average at $62, while full coverage with a $1,000 deductible comes in at about $128. Full coverage insurance is often recommended due to the comprehensive financial protection it provides, despite being more costly.
Integrating comprehensive and collision coverage into your policy will raise your premium, yet higher deductibles can counterbalance this increase. Keep in mind, the deductible—currently $1,000 for both comprehensive and collision in this context—is what you pay per claim for each coverage type.
| State Minimum Liability Only | $745 | $62 |
| 100/300/100 Liability Only | $946 | $79 |
| 300/500/300 Liability Only | $1,034 | $86 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,250 | $104 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,345 | $112 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,441 | $120 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,468 | $122 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,537 | $128 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,556 | $130 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,651 | $138 |
| 100/300/1000,000 - 500 comp_coll | $1,659 | $138 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,774 | $148 |
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.
This is the minimum amount required in Arizona for covering medical expenses for one person injured in an accident you're found responsible for.
Arizona requires this amount to cover injuries to multiple people in an accident where you are at fault.
This coverage helps pay for damage you cause to another person's property or vehicle in an accident.
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 $1,947. 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 $1,537 annually, and those 60+ pay even lower rates, with an average of $1,476 per year.
| 22-29 | $1,947 | $162 |
| 30-59 | $1,537 | $128 |
| 60 + | $1,476 | $123 |
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.
| 2012 Vehicle | $1,136 | $95 |
| 2022 Vehicle | $1,306 | $109 |
The actual cash value (ACV) of your vehicle is the amount your insurer will pay out on a comprehensive or collision claim. This reflects your car's market value minus depreciation at the time of the incident, ensuring the settlement is equitable for the covered loss. Choosing a policy offering affordable minimum coverage should factor in ACV to anticipate potential claim payouts.
The average cost of car insurance in Arizona varies based on a driver's record. Here's how driving history can affect your rates:
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.
| Clean | $1,537 | $128 |
| Ticket | $1,995 | $166 |
| At-fault Accident | $2,409 | $201 |
| DUI | $2,493 | $208 |
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.
| Excellent | $733 | $61 |
| Good | $953 | $79 |
| Fair | $1,202 | $100 |
| Below Fair | $1,513 | $126 |
| Poor | $1,958 | $163 |
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:
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.
Regularly comparing quotes can help you find the cheapest car insurance in Arizona, as rates fluctuate based on various factors.
Drivers with no accidents or traffic violations typically enjoy lower insurance premiums due to perceived lower risk.
Opting for a higher deductible can reduce your monthly premium, but ensure you can afford the deductible if you file a claim.
Bundling car insurance with other policies like homeowners insurance can unlock discounts and lead to significant savings.
Ask your insurer about discounts for things like safe driving, multiple vehicles or anti-theft devices installed in your car.
Driving a car that's less expensive to insure, such as one with a good safety record, can lead to more affordable rates.
Assess your coverage needs annually to ensure you're not overpaying for insurance you don't need.
Get answers about what impacts the average cost of car insurance in Arizona and how to find affordable rates.
In Arizona, drivers are required to carry minimum coverage auto insurance, which consists of $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage per incident.
In Arizona, full coverage car insurance typically costs about $1,537 annually, or roughly $128 monthly. Opting for minimum coverage reduces the cost to about $745 per year, or $62 each month.
A 22-year-old driver in Arizona usually spends around $1,947 per year, or $162 per month, for full coverage with a $1,000 deductible. For 100/300/100 liability-only coverage, the cost is approximately $1,179 annually, or $98 monthly. The state minimum coverage averages $928 yearly, or $77 each month.
Root Insurance Company offers the lowest rates for full coverage at $943 per year, while Mercury provides the cheapest minimum coverage at $545 annually.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
