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The average cost of basic liability car insurance in Arizona is $2,095 per year.Opting for full-coverage car insurance in Arizona will leave you with an average cost of $2,534 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Arizona
The best Arizona car insurance company for you depends on a number of factors, from your coverage levels and driving history to your credit score, your ZIP code, and even your profession. That’s because every auto insurance company uses a slightly different methodology to calculate your annual premium.
Your annual premium could be higher than the Arizona state average—or it could be lower! It all comes down to your profile, from your credit history to the points on your driver’s license.
Want to see the rates real Jerry customers found in Arizona? Take a look at the quotes and savings below.
For example, USAA has some of the absolute cheapest car insurance policies in Arizona—but you can only get one if you or a family member is a current or former military member. If you’ve got poor credit, you’re likely to get a slightly better rate from Nationwide than Progressive—but if you bundle your auto insurance with a homeowners policy, Progressive might give you a big enough discount to make up the difference.
Although individual rates vary, the average cost of auto insurance in Arizona is roughly 12% below the national average, making it one of the more affordable states for car insurance.
How much is insurance for a 16-year-old in Arizona?
Depending on driver history, discounts, and which insurance company you choose, the average cost of full coverage car insurance for a 16-year-old in Arizona could be as low as $3,000 per year. If you need to add a teen driver to your policy, be sure to compare quotes to find a rate closer to the low end of the scale.
How much does it cost to register a car in AZ?
To register a car in Arizona, you’ll need to pay a $1.50 air quality research fee, a $4 title fee, an $8 registration fee, and something called the vehicle license tax (VLT), which is calculated based on your vehicle’s MSRP. For a detailed breakdown of how VLT is calculated, check out the ADOT website.
How much does car insurance cost in Arizona?
Why are Arizona’s average car insurance rates so high? Although it’s possible to find affordable car insurance in Arizona, you might be seeing a higher rate due to the following factors:
Urban areas: If you live in one of Arizona’s major cities, higher population density and busy roads can lead to a higher accident rate—which means higher premiums.
Auto theft: Arizona sees more car thefts than the national average, which factors into the risk level auto insurance companies see.
Uninsured/underinsured motorists: One out of every eight drivers in Arizona doesn’t have car insurance, which raises rates for everyone else.
Here’s a rundown of what you need to know about car insurance in Arizona.
The cheapest insurance policies in Arizona stick to the state minimum: $25,000 per person / $50,000 per accident in bodily injury liability insurance and $15,000 per accident in property damage liability. That coverage protects you from expensive personal injury costs if you’re at fault in an accident, but it will only pay for the other driver’s bills.
How much insurance do I need in Arizona?
The minimum insurance requirements in Arizona are $20,000 for bodily injury liability per person, $50,000 of bodily injury liability per accident, and $15,000 of property liability for each accident. These requirements are known as the 20/50/15 rule.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Arizona a no-fault state?
No, Arizona is an at-fault state This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
To cover your own vehicle, you’ll need to add collision and comprehensive coverage to your policy. A policy with that combination is often called a “full-coverage policy,” but there are actually a ton of extra add-ons you can purchase to extend your coverage limits!
Whether you’re just carrying minimum liability coverage or a beefed-up full coverage policy, take a look at the graph below to understand how much you’re paying for each.
Another high-risk group of Arizona drivers? Teen drivers.
It’s not that young drivers can’t also be good drivers—plenty are! But statistics show that drivers under age 20 have some of the highest crash rates of any age group, and drivers between 25 and 34 are most likely to be involved in a fatal accident.
Arizona ranks 44th nationally for teen driver safety, making it one of the most dangerous states for young drivers—and one of the most expensive.
You might not be able to beat all the statistics, but you can still find cheap insurance under age 25. The table below shows how much real Jerry customers paid in Arizona by age group:
How can young drivers save money on car insurance in Arizona?
On the other hand, Lake Havasu City has the cheapest car insurance rates in Arizona: just $778 a year.
City with Highest Rates of Accidents in Arizona
Flagstaff has the highest accident rate in Arizona, as 13.95% of drivers have a prior at-fault accident on their record. Living in Flagstaff will result in higher premiums.
Cities with the Longest Commute Times in Arizona
San Manuel has the longest average commute time in Arizona at 50.3 minutes. Long driving times increase the chances you get in an accident, and the long commute will add miles to your vehicle—all of which raise premiums.
Insurance providers also take into account your motor vehicle’s safety ratings, the availability of parts, and other factors. Owning a very common or very safe vehicle could win you lower rates—even if the vehicle itself is on the expensive side.
Do you need more than the minimum car insurance in Arizona?
Like most states, Arizona sets certain minimum insurance requirements that drivers must meet in order to hit the road legally.
Only carrying minimum liability insurance will keep your rates low—but it may not cover all of your expenses if you’re in an accident. If you can afford more coverage, it’s a good idea to carry what’s called full coverage car insurance. A typical full coverage policy includes:
In Arizona, 11.8% of drivers are uninsured. If an uninsured driver causes an accident, you can be in financial trouble. Uninsured/underinsured motorist insurance provides coverage if you’re in an accident with a driver who doesn't have liability.
Arizona has a 7.81/10 rating for road quality by residents. C+ isn’t a terrible score, but there’s room for improvement: that’s why we recommend getting roadside assistance. Roadside assistance provides perks like towing, flat tires, and more, just in case you hit a stray pothole and need some help.
How to find the cheapest car insurance quotes in Arizona
Arizona’s average rates for car insurance are close to the national average, but that doesn’t mean it’s impossible to find affordable car insurance here! Just use the tips below to keep your rates low.
Shop around for quotes
The best way to find the cheapest car insurance in Arizona is to compare rates from at least three different providers. The more quotes you get, the better your odds are of finding the lowest rate for your profile.
Look for discounts
Most insurance providers offer a range of discounts that you can combine for a lower rate—but they won’t always advertise them! If you’re looking for cheap car insurance in Arizona, ask your insurance company about the following discounts:
Clean Driving Record Discounts
Low risk drivers usually don’t make claims, so insurance companies will give them discounts. Keep a clean driving record to get a nice discount.
Defensive Driving Discount
Drivers ages 55+ are eligible for defensive driving discounts in Arizona if they complete a state-approved defensive driving course.
Customers who get home or renters insurance with the same carrier as their car insurance can save through a bundling discount.
Raise your deductible
If your auto insurance policy includes collision and comprehensive coverage, you’ll have to pay a certain set lump sum before the insurance company will pay out for a claim. That amount is called your deductible—and the higher it is, the lower your monthly payments will be.
Raising your deductible is an easy way to keep your month-to-month insurance costs low: but beware. Never raise your deductible so high that you wouldn’t be able to pay it if you got in an accident.