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25 Years of insurance experience
57M Quotes reviewed
136 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re looking for car insurance rates in Arizona, the average annual premium is $1,812, per year or $151 monthly. This contrasts with the national average of $1,895, highlighting a variation of $83. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Arizona, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Key Takeaways

  • The average car insurance cost in Arizona is $1,812 per year, based on Insure.com’s analysis.
  • In Arizona, the average premium for car insurance is $151 per month.
  • Geico has the cheapest car insurance rates in Arizona, at an average annual rate of $1,312 a year.

Average car insurance cost in Arizona per month

In Arizona, the monthly rate for car insurance is $151.

This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Arizona, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.

Cheapest car insurance companies in Arizona

The table below lists the other available car insurance companies which offer car insurance in Arizona, along with their average cost per month and average annual cost.

Affordable car insurance providers in Arizona

Graph
Table
Company nameAverage per month costAverage annual cost
Geico$109$1,312
Travelers$124$1,489
Auto-Owners$128$1,539
Nationwide$144$1,726
Progressive$159$1,903
Allstate$185$2,215
State Farm$186$2,233
Farmers$194$2,331
USAA$132$1,581

Read our guide to cheap car insurance companies

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Arizona

The extent of coverage you opt for directly influences the cost of car insurance in Arizona. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Arizona would be $764.

As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Arizona amounts to $1,812.

For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Arizona, the average annual cost for non-owner state minimum liability coverage stands at $396.

For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $516 annually in Arizona.

1State minimum:$516
2Liability only:$764
3Full coverage:$1,812
4Non-owners:$396

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Arizona by city

Average car insurance cost in Arizona by city

Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.

The table below depicts the top popular cities in Arizona:

CityAverage annual cost
Chandler$1,938
Gilbert$1,924
Glendale$2,208
Mesa$1,976
Peoria$2,051
Phoenix$2,251
Scottsdale$1,958
Surprise$1,915
Tempe$2,000
Tucson$1,879

Average car insurance cost in Arizona by age of the driver

Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Arizona, the average annual rate for young drivers is $2,944, whereas for seniors, it is $1,848. The rate for young drivers exceeds that of senior drivers by $1,096.

Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.

Average car insurance cost in Arizona for young drivers

In Arizona, the auto insurance premium for female young drivers averages at $2,767 annually, or $231 monthly, while male young drivers face a yearly rate of $3,118, or a monthly average of $260.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
20 $4,302 $3,684
21 $3,177 $2,808
22 $2,892 $2,590
23 $2,671 $2,418
24 $2,495 $2,294

Average car insurance cost in Arizona for senior drivers

In Arizona, the annual car insurance cost for senior female drivers is $1,812 or $151 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,885 per year, with a monthly average of $157.

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
65 $1,723 $1,690
70 $1,842 $1,783
75 $2,088 $1,961

Read more about senior car insurance

Minimum car insurance requirements in Arizona

Every state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Arizona Department of Insurance, the required coverages and minimum coverage limits in Arizona are as follows:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $15,000

Cheapest cars to insure in Arizona

The Mazda CX-30 has the most affordable average annual insurance premium, standing at $1,764. The Chevrolet TrailBlazer is followed closely at $1,767 per year. The difference in the cost of insuring these two models is $3 annually.

MakeModelAverage annual premium
MazdaCX-30$1,764
ChevroletTrailBlazer$1,767
SubaruCrosstrek$1,786
SubaruOutback$1,789
HondaCR-V$1,796
SubaruForester$1,796
KiaSeltos$1,799
HyundaiVenue$1,808
VolkswagenTiguan$1,814
HondaHR-V$1,818

Most expensive cars to insure in Arizona

The most expensive car to insure on the list is the Audi R8 Performance, which has an average annual premium of $6,152. However, the difference between the cheapest and most expensive cars to insure is $4,388 annually.

MakeModelAverage annual premium
AudiR8 Performance$6,152
MaseratiQuattroporte Trofeo$5,562
MaseratiQuattroporte$5,437
MaseratiGhibli Trofeo$5,327
BMWM8$4,925
MaseratiGhibli$4,910
PorscheTaycan Turbo$4,826
Porsche911 Carrera GT3 RS$4,766
AudiR8$4,744
AudiRS E-tron GT$4,583

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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