In Arizona, the annual average cost for full coverage car insurance is $1,510, while minimum coverage is $738. These estimates are $214 and $143 more expensive, respectively, than the national average.
Average Cost of Car Insurance in Arizona
Updated: December 24, 2024
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Key Takeaways
Drivers in the Grand Canyon State pay about 17% more for full coverage car insurance than the national average.
Arizona residents face higher insurance costs, with full coverage being $1,510 annually compared to the national average of $1,296.
The average cost for minimum coverage is $738, making Arizona one of the more expensive states for car insurance.
How Much Is Car Insurance in Arizona?
| Full Coverage | $1,510 | $1,296 | 17% |
| State Minimum Liability Only | $738 | $595 | 24% |
Read More: Average Cost of Car Insurance
Arizona Car Insurance Rates by Coverage Level
Your choice of coverage level impacts your car insurance rate in the Grand Canyon State. Opting for higher liability limits and full coverage can raise your rate, but choosing a higher deductible may reduce your premium. Below, find the average rates for state minimum and full coverage in Arizona, based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,742 | $500 |
| 100/300/100 | Full Coverage | $1,629 | $0 |
| 300/500/300 | Full Coverage | $1,622 | $1,000 |
| 300/500/300 | Full Coverage | $1,528 | $1,500 |
| 100/300/100 | Full Coverage | $1,510 | $1,000 |
| State Minimum | Full Coverage | $1,440 | $500 |
| 100/300/100 | Full Coverage | $1,415 | $1,500 |
| State Minimum | Full Coverage | $1,321 | $1,000 |
| State Minimum | Full Coverage | $1,226 | $1,500 |
| 300/500/300 | Liability Only | $1,022 | $0 |
| 100/300/100 | Liability Only | $937 | $0 |
| State Minimum | Liability Only | $738 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Arizona Car Insurance Cost by City
Car insurance rates in Arizona's cities can change because of crime, traffic jams, storms and costs for health care or fixing cars. For example, Chandler has an annual full coverage rate of $1,134, while Gilbert is slightly higher at $1,162 and Phoenix tops them at $1,360. Below, we compare car insurance rates for Colorado cities to the state average.
| Chandler | $1,134 | -41% | $569 | -48% |
| Gilbert | $1,162 | -39% | $581 | -47% |
| Glendale | $1,300 | -32% | $648 | -41% |
| Mesa | $1,172 | -39% | $583 | -47% |
| Peoria | $1,216 | -36% | $605 | -45% |
| Phoenix | $1,360 | -29% | $667 | -39% |
| Scottsdale | $1,149 | -40% | $568 | -48% |
| Surprise | $1,105 | -42% | $533 | -51% |
| Tempe | $1,214 | -36% | $606 | -45% |
| Tucson | $1,087 | -43% | $523 | -52% |
Average Arizona Car Insurance Cost by Age
In Arizona, your age can change how much you pay for car insurance. Young drivers often face higher costs because they are seen as more risky. On average, 25-year-olds pay 26% more for full coverage and 25% more for state minimum than 40-year-olds. Compared to 65-year-olds, they pay 32% more for full coverage and nearly 25% more for state minimum.
| 25 | $1,908 | $919 |
| 40 | $1,510 | $738 |
| 65 | $1,449 | $737 |
In most places, your age can change the price of car insurance. But in California, Massachusetts and Hawaii, your age won't affect your cost for minimum coverage.
Car Insurance Costs in Arizona for Young Drivers by Gender
Young drivers in Arizona face higher car insurance costs due to increased risk from more accidents. On average, drivers aged 18 to 25 pay $1,736 per year when added to a family policy, which is 27% less than an individual policy at $2,205.
Gender also plays a role in Arizona car insurance rates for young drivers. Female drivers aged 18 to 25 typically pay $2,076 per year, which is 12% less than male drivers who pay $2,335. Below, you'll find the average car insurance costs for individual and family policies for young Arizona drivers, broken down by gender.
Car Insurance Costs in Arizona for Young Females
An 18-year-old female in Arizona typically adds $2,007 to a family car insurance policy. Choosing an individual policy instead can nearly double the cost to $3,772.
| 18 | $3,772 | $2,007 | -47% |
| 19 | $2,491 | $1,982 | -20% |
| 20 | $2,262 | $1,806 | -20% |
| 21 | $1,877 | $1,525 | -19% |
| 22 | $1,752 | $1,707 | -3% |
| 23 | $1,597 | $1,566 | -2% |
| 24 | $1,525 | $1,495 | -2% |
| 25 | $1,332 | $1,325 | -1% |
Car Insurance Costs in Arizona for Young Males
An 18-year-old male in Arizona typically pays around $4,303 for full coverage car insurance on her own. By joining a family policy, the cost drops to about $2,263, saving 47% annually.
| 18 | $4,303 | $2,263 | -47% |
| 19 | $2,978 | $2,203 | -26% |
| 20 | $2,655 | $1,981 | -25% |
| 21 | $2,096 | $1,597 | -24% |
| 22 | $1,927 | $1,818 | -6% |
| 23 | $1,729 | $1,643 | -5% |
| 24 | $1,620 | $1,538 | -5% |
| 25 | $1,371 | $1,325 | -3% |
Average Arizona Car Insurance Cost by Driving Record
In Arizona, traffic offenses can hike your car insurance premiums up to 28% for full coverage. Below, we compare average rates for drivers with at-fault accidents, DUIs and speeding tickets against those with a spotless record. Stay savvy on the roads to keep your insurance rates affordable.
| At-Fault Accident | $2,347 | 23% | $1,132 | 3% |
| DUI | $2,450 | 28% | $1,201 | 10% |
| Ticket | $1,948 | 2% | $928 | -15% |
Read More: High-Risk Car Insurance in Arizona
Average Arizona Car Insurance Cost by Credit Score
Your credit-based insurance score plays a big part in car insurance prices in Arizona. Expect to pay around $888 for full coverage if you have excellent credit. But, if your credit is poor, the cost jumps to about $2,468 a year.
| Excellent | $888 | -53% | $340 | -69% |
| Good | $1,158 | -39% | $443 | -60% |
| Fair | $1,476 | -23% | $555 | -49% |
| Below Fair | $1,870 | -2% | $699 | -36% |
| Poor | $2,468 | 29% | $862 | -21% |
CREDIT SCORES AND YOUR PREMIUM
A good credit score — ranging from 670 to 739 — reflects financial reliability and can lead to lower insurance rates for New Jersey drivers. Insurers cannot use credit-based insurance scores as a pricing factor in Hawaii, Massachusetts, California or Michigan. In Maryland, North Carolina, Oregon, Washington, Utah and Nevada, credit can only be used as a factor in certain circumstances.
Average Arizona Car Insurance Cost by Company
Car insurance premiums can vary a lot from one company to another, even in the same state. In Arizona, Root Insurance Company has the lowest average annual full coverage premium at $943. On the high end, The General's average is $2,932, which is much higher than what most Arizonans pay.
| Root Insurance Company | $943 | $649 |
| Travelers | $1,094 | $592 |
| Progressive | $1,156 | $583 |
| GEICO | $1,166 | $599 |
| State Farm | $1,207 | $562 |
| Auto-Owners Insurance Co | $1,251 | $625 |
| Mercury | $1,339 | $438 |
| Farmers | $1,367 | $720 |
| Hartford | $1,403 | $796 |
| Iowa Farm Bureau | $1,410 | $723 |
| Allstate | $1,414 | $684 |
| Nationwide | $1,556 | $856 |
| Country Financial | $1,764 | $639 |
| CSAA | $2,649 | $1,176 |
| The General | $2,932 | $1,431 |
Read More: Cheapest Car Insurance Companies in Arizona
Average Arizona Car Insurance Cost by Vehicle Age
In Arizona, newer cars have higher premiums, costing about $1,306 annually for full coverage, compared to $1,136 for a 10-year-old model. This difference is due to the higher value and repair costs of new vehicles.
| 10-Year-Old Vehicle | $1,136 | $554 |
| New Model Vehicle | $1,306 | $530 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your vehicle's worth as assessed by your insurer just before any damage occurs. When filing a comprehensive or collision claim, this value is used to calculate the maximum compensation for repairs or replacement, subtracting any deductible. This process ensures your claim aligns with the car's fair market value.
Read More: Used Car Insurance
Arizona Car Insurance Rates Explained
In Arizona, car insurance rates often differ from the national average. Factors like your location, driving history and credit-based insurance score play a role in determining your full coverage and state minimum costs.
Is Car Insurance Expensive in Arizona?
Car insurance in Arizona is pricier than average, with full coverage costing about $126 each month. It's about 17% higher than the national cost for similar coverage.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Arizona vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Arizona Average Cost
Full Coverage Car Insurance
$126AZ Car Insurance Is Expensive:$18 more
This is 17% more expensive.
Why Are Car Insurance Rates Expensive in Arizona?
Arizona's car insurance rates are steep due to dense cities, harsh weather and strict laws. These factors lead to more insurance claims, pushing up prices for residents. Understanding these elements can help when searching for affordable minimum coverage.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Arizona
While average rates give a snapshot, your Arizona car insurance cost hinges on your own details. To gauge your rate, consider your driving record, car model and credit score.
Driving Record
A spotless driving record can lead to lower insurance premiums. Avoid traffic violations and accidents to demonstrate responsibility to insurers.
Age and Gender
Younger drivers and males typically face higher rates. Rates may decrease with age, and some insurers offer discounts for female drivers.
Credit History
Insurers often use credit scores to gauge risk. A higher credit score can result in more favorable insurance rates.
Vehicle Type
Insurance costs can vary based on the car's model, age and safety features. Opt for a vehicle that's less expensive to insure.
Location
Living in areas with lower crime and accident rates can positively impact your insurance costs. Consider this when choosing your residence.
Coverage Level
Higher deductibles can lower premiums, but ensure you can afford them if needed. Tailor your coverage to your financial situation.
Marital Status
Married individuals may receive lower rates due to perceived stability. Check with insurers for potential marital discounts.
State Law
Arizona laws can affect insurance rates. Stay informed about minimum coverage requirements and consider additional protection if necessary.
Read More: Arizona Car Insurance Calculator
Minimum Car Insurance in Arizona
In Arizona, the average cost for state minimum car insurance is $738, above the national average of $595. This minimum coverage is more budget-friendly compared to full coverage, given Arizona's insurance requirements. Below is a table outlining these minimum requirements for Arizona drivers.
Arizona Car Insurance Requirements
In Arizona, you need minimum coverage auto insurance. This includes $25,000 for each person hurt, $50,000 for each accident and $15,000 for property damage.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Medical expenses if you cause an accident |
$50,000 for bodily injury liability per accident | Multiple injuries in a single incident |
$15,000 for property damage liability per accident | Cost of repairs or replacement of damaged property |
How to Lower Car Insurance Costs in Arizona
To find affordable car insurance in Arizona, compare rates, raise your deductible and take advantage of all applicable discounts to reduce premiums.
- 1
Compare Multiple Quotes
Shopping around for car insurance providers can lead to finding more affordable options, potentially saving hundreds annually for drivers in your state.
- 2
Lower Your Risk Profile
Improving your credit score and maintaining a clean driving record free of at-fault accidents or moving violations can significantly lower premiums, as insurers consider you a lower risk.
- 3
Adjust Your Coverage
Evaluating your insurance needs ensures you only pay for necessary coverage. Increasing deductibles or opting for usage-based policies can reduce costs for low-mileage drivers.
- 4
Ask for Discounts
Explore discount opportunities for safe driving, academic achievements, anti-theft devices, defensive driving courses, and policy bundling to potentially lower annual premiums.
- 5
Consider the Car You Drive
Choosing a vehicle with excellent safety ratings and low insurance costs can reduce overall insurance expenses, benefitting drivers across the state.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Arizona: Bottom Line
In Arizona, the average yearly cost for full coverage car insurance is $1,510, which is above the national average. Factors like your driving history and the type of car you drive impact your rates. Compared to other states, Arizona's car insurance is on the pricier side.
Arizona Car Insurance Rates: FAQ
Discover what affects car insurance costs in the Grand Canyon State. Learn how to find affordable rates easily.
What are the minimum car insurance requirements in Arizona?
The minimum car insurance requirements in Arizona include bodily injury liability coverage of $25,000 per person and $50,000 per accident, along with $15,000 in property damage liability.
What is the average cost of full coverage and minimum coverage auto insurance in Arizona?
In Arizona, the average annual rate for state minimum auto insurance is $738, while full coverage auto insurance averages at $1,510. These rates are above the national averages for their respective coverage levels.
What is the average cost of car insurance for a 25-year-old in Arizona?
The average cost of full coverage car insurance for a 25-year-old in Arizona is $1,908, while the average for state minimum coverage is $919. These rates are close to the state average costs for similar coverage.
What are the cheapest car insurance companies in Arizona?
Root Insurance Company is the most affordable car insurance option in Arizona, providing $943 annual premiums for full coverage and $649 for minimum coverage. While low rates are enticing, confirm that your policy adequately protects against significant financial setbacks.
Arizona Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Arizona:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Arizona:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
Learn more about MoneyGeek's car insurance methodology.
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.