Car Insurance in Arizona

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Looking for cheap car insurance in Arizona?

Arizona’s car insurance rates are around the national average as the state has a mix of urban cities and open expanses. Drivers in Arizona can save even more money by shopping for car insurance with Jerry.
Because of the balance of cities and natural landscapes, Arizona’s car insurance rates are roughly around the national average. Additionally, Arizona’s not incredibly prone to natural disasters despite high desert temperatures, meaning that insurance providers don’t see as many claims due to extreme weather as elsewhere in the country.
That said, location is just one factor insurance companies consider when setting your car insurance premiums. Your age, driving history, and other attributes are also taken into account when providers give you quotes, so it’s a good idea to compare quotes for the best price.
That’s when you should turn to Jerry. Sign-up takes less than a minute, Jerry will provide you quotes from over 50 top insurance providers. Then, Jerry will take care of all of the paperwork—even helping to cancel your old policy. The average Jerry customer saves $879 per year on car insurance.
Don’t believe us? Here are some real quotes and savings from customers in Arizona who switched with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
September 28, 2021Mitsubishi Endeavor LSChandler35Mercury$175/mo.$67/mo.
May 19, 2021Chevrolet Silverado C1500Mesa47Progressive$120/mo.$70/mo.
October 1, 2021Ford Fusion SELGilbert44Mercury$131/mo.$95/mo.
September 2, 2021Kia Soul LXGilbert47Bristol West$160/mo.$96/mo.
June 23, 2021Honda Civic LXTempe26Progressive$165/mo.$121/mo.
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How much does car insurance cost in Arizona?

The average cost of liability-only car insurance in Arizona is $1,794 per year. If you prefer to buy full coverage car insurance in Arizona, you can expect to pay an average cost of $2,056 per year.

How does the cost of car insurance in Arizona compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What contributes to car insurance rates in Arizona? Here are some things to consider:
  • Urban areas: While the population is concentrated in Arizona, the cities tend to see busy roads and many drivers—which means more accidents
  • Auto thefts: Arizona sees more car thefts than the national average, which contributes to higher rates
  • Uninsured drivers: One out of every eight drivers in Arizona don’t have car insurance.
Here’s how Arizona’s insurance premiums stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$2,491$1,672$2,359$1,390$2,763$1,962
AZNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Not in Arizona?
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Top auto insurance providers in Arizona

Arizona drivers have many insurance providers from which to choose when shopping for car insurance. Popular providers include Geico, State Farm, and Travelers—all of whom are known for affordable rates and good customer service.
That said, it’s smart to look around as you may find that another provider is better for you.
Insurance providers have their own criteria for setting premiums. So, getting rates from different providers could mean that you’ll end up with a different quote from each one—even for the same coverage.
Providers in Arizona consider factors like your age, driving history, marital status, and location when setting your car insurance rates.
The type of car you drive will also factor into your insurance premiums. For example, a popular luxury car like the BMW Series 7 will cost more to insure than a Honda Civic because of the base cost of the BMW—and the higher cost of replacement parts.
Regardless of the variables, drivers in Arizona can find some great deals with Jerry. Here are some of the best savings:
Insurance Company
Average Cost
Annual Savings with Jerry
Nationwide$2,978$1,026Compare Prices
Dairyland$2,809$964Compare Prices
Allstate$2,694$904Compare Prices
Kemper$2,658$827Compare Prices
Travelers$3,039$684Compare Prices
Safeco$2,486$680Compare Prices
National General$1,020$288Compare Prices
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What car insurance do you need in Arizona?

Arizona requires that drivers carry minimum liability insurance before hitting the road. This coverage includes the following:
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$15,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
Failure to obtain the required insurance could result in penalties, including:
  • Driver’s license suspension of up to a year
  • Vehicle registration suspension up to a year
  • Fine of up to $500 for your first offense
Keep in mind, liability insurance only covers other drivers if you’re in an accident, so it’s recommended that you carry more than the minimum liability insurance. Some coverages that Arizona drivers should consider include:
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
Whatever the insurance you choose, Jerry will get you the best rates for the coverage you need.
Jerry does the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal. Jerry customers save $879 per year on average!
Now that you know what insurance you need, here are some things that impact the cost in Arizona.

How is your cost of car insurance determined in Arizona?

Factors like your age, driving record, zip code, and type of car you drive all impact the quotes you’ll see from car insurance providers.
What young drivers in Arizona need to know
  • Like the in rest of the country, younger drivers in Arizona can expect to pay higher premiums because they are considered high-risk drivers
  • Young drivers secure lower car insurance premiums by taking a defensive driving course
  • Drivers under 25 who maintain good grades can qualify for a good student discount
While rates will be higher than the average driver, applying for discounts, shopping around, and maintaining a clean driving record can help young drivers find a good deal on car insurance.
Jerry will work with young drivers to make sure they are always getting the best prices for car insurance. Here are the average premiums for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
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Cost to insure your car in Arizona with a poor driving record

Car insurance providers will also look at your driving record to set your insurance rates. If you’ve been in an accident, gotten a speeding ticket, or had a major driving infraction, you will have higher rates for your Arizona car insurance rates.
Drivers with infractions on their record are considered high-risk, and providers will account for that risk by raising insurance rates for those drivers.
Despite that, you can find good prices for car insurance even if you have a bad driving record by shopping with Jerry!
Here are some examples of rates for drivers with less-than-perfect records after switching with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,524$802
Driving on Sus. License$3,597$1,665
Failure to Obey Traffic Sign$3,263$986
Defective Equipment$2,839$978
Improper Passing$2,455$975
Wrong Way/Wrong Lane$3,150$970
Speeding under 15$2,941$966
Illegal Turn$2,491$724
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Cost to insure your car in Arizona based on where you live

As a whole, Arizona’s car insurance rates are about the same as the national average, but your rates can be more or less depending on your zip code.
Residents of cities like Phoenix or Tucson will see higher-than-average car insurance premiums because of their population density and the concentration of younger drivers who attend the cities’ universities.
Drivers who live in less-populated areas may see lower rates than the national average.
These are some of the best rates for car insurance in Arizona for Jerry customers:
Average Cost
Annual Savings with Jerry
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Cost to insure your car in Arizona based on the type of car you drive

Your vehicle will also play a part in your car insurance rates since more expensive, harder to repair cars will cost more to insure. For example, a Toyota Corolla —a popular choice for Arizona drivers—will be more affordable to insure because of its lower initial cost and high safety rating.
In general, less expensive vehicles will be cheaper to insure because their repair or replacement costs will be lower. Additionally, driving less will reduce your premiums because you’re less likely to get into an accident.
Conversely, some Arizona drivers opt for luxury vehicles, which will have higher car insurance premiums. If you’re behind the wheel of a luxury car like a Chevy Corvette you can expect to pay a bit more for car insurance each month because of the higher cost of replacement parts and repairs.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Average Cost
Annual Savings with Jerry
Nissan Sentra S$2,762$973
Ford Mustang$2,608$864
Toyota Camry LE$2,841$757
Hyundai Elantra SE$2,133$722
GMC Terrain SLE$2,121$579
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How to save money on car insurance in Arizona

Despite the high cost of car insurance, there are always ways to save some cash.

Shop around for quotes

Shopping for car insurance quotes is the easiest way to save money on your car insurance. You should aim to get quotes from at least three to five insurance companies.
However, comparing quotes on your own can be a hassle—with piles of paperwork and long phone calls required to get the information you need. That’s when Jerry can help.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, Jerry handles all the hard work for you—from collecting quotes from over 50 top insurance providers and completing the paperwork to get you signed up. Jerry can even help you cancel your old policy.
Even better, Jerry monitors prices before renewal and lets you know if there’s a better deal, so you know you’re always getting the lowest rates.

Look for discounts

Another easy way to save money on car insurance is to look for discounts. Almost every provider offers discounts, but they aren’t always readily advertised. Be sure to ask your insurance agent what’s available to you.
Here are some popular discounts in Arizona:
DiscountWho is eligible?r
Good driver discountsDrivers in Arizona are eligible for good driver discounts if they have a valid driver’s license, have no claims history, and have no serious driving-related infractions. This discount is mandated by state law and saves drivers between 10%-30% on their car insurance premium.
Bundling discountsBundling multiple insurance products (like auto and home) with the same company can get you an easy discount—often saving qualified drivers around 18%.
Defensive driver discountsMost insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This would particularly benefit younger drivers with sky-high premiums.
Payment and billing discountsMany companies offer discounts for customers who pay their premium upfront, enroll in automatic payments, or sign up for paperless billing. Taken together, these discounts could save you up to 25% off your annual premium.
Good student discountsAnother discount young drivers may want to consider is a good student discount. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
TelematicsMany companies offer telematics programs which track a driver’s habits and give discounts for good behavior. You can often qualify for a discount just for signing up.
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Arizona insurance companies may factor in things like your employment, residential, and marital status when they set their car insurance premiums. If you’re married, own a home, or have an affiliation with certain employers or institutions, you may be eligible for a discount.

Increase your deductible

You also can save on your monthly premium by increasing your deductible, which is the amount you pay out of pocket when you make a claim.
A higher deductible would mean that you’d be on the hook for more money in the event of a claim, but you could save if you don’t think that’s likely. However, it’s important to ensure that you can afford to pay the full deductible each time you would need to make a claim.

Registering your car in Arizona

If you want to register a car in Arizona, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Proof of insurance
  • Proof of sales tax payment
  • Proof of a Level 1 inspection
  • Pay registration fees
You should make an appointment with the DMV to register your car to avoid long waits. In addition to the above paperwork, you’ll have to fill out the necessary documents—including some personal information and details about your vehicle.
Drivers in Arizona must renew their vehicle registration every year.
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