How Much Is Car Insurance in Arizona?
Minimum liability car insurance costs an average of $1,422 per year in Arizona. Full coverage costs $2,388 per year, on average.
Written by R.E. Fulton
Edited by Kathleen Flear
The average cost of car insurance in Arizona is $2,388 per year for full coverage, or $199 per month.
- The average cost of an auto insurance policy in Arizona is $119 per month for minimum coverage and $199 per month for full coverage.
- Allstate, Nationwide, and Travelers are three of the best car insurance companies for Arizona drivers trying to save money.
- Teens, drivers with violations, and drivers in major cities pay the most for car insurance.
- Comparing car insurance quotes is the best way to lower insurance rates in Arizona.
- The average cost of an auto insurance policy in Arizona is $119 per month for minimum coverage and $199 per month for full coverage.
- Allstate, Nationwide, and Travelers are three of the best car insurance companies for Arizona drivers trying to save money.
- Teens, drivers with violations, and drivers in major cities pay the most for car insurance.
- Comparing car insurance quotesis the best way to lower insurance rates in Arizona.
How much is car insurance in Arizona?
The average cost of car insurance in Arizona is $1,422 per year for
state minimum coverage
and $2,388 per year for full coverage car insurance. Compared to California rates, Arizona drivers pay slightly more for state minimum liability and slightly less for full coverage.
Methodology
This article uses dynamic tables to show real data from 25 million+ insurance quotes Jerry found for drivers in Arizona.
Compare auto insurance costs for average Arizona drivers
Car insurance rates are tied to demographics, credit scores, driving history, and more—so a single state average doesn’t tell us much. Instead, let’s take a look at some common driver profiles in Arizona to understand how average rates change.
The average Arizona driver
The average Arizona driver over 25 with a clear driving record pays about:
- $2,388 per year for full coverage
- $1,422 per year for state minimum coverage
The Arizona teen driver
The average 19-year-old driver in Arizona pays about:
- $3,855 per year for full coverage
- $3,240 per year for state minimum coverage
Want to see what real quotes for Arizona drivers look like? Check out the table below for real quotes Jerry customers in Arizona found from some of the state’s best insurance companies.
| Customer | Vehicle | Driving record | Monthly rate | Insurance company | Coverage |
|---|---|---|---|---|---|
Hallie, 37 | KIA Forte EX | Speeding under 15 | $187 | Safeco | • 50,000/100,000 Liability • Comp / Collision |
Joel, 24 | Chevrolet Silverado C1500 LTZ | $132 | AAA | • State Minimum Liability • Comp / Collision | |
James, 33 | Chevrolet Malibu LT | $91 | Nationwide | • State Minimum Liability • Comp / Collision | |
Sarah, 25 | Dodge Challenger SXT | DUI | $319 | Allstate | • State Minimum Liability • Comp / Collision |
Bess, 25 | Jeep Grand Cherokee Limited | $215 | Gainsco | • State Minimum Liability • Comp / Collision |
Last Updated Apr 26, 2024Who has the cheapest car insurance in Arizona?
Allstate, Nationwide, and Travelers are three of the cheapest car insurance companies for Arizona drivers.
| Insurance company | Average annual premium |
|---|---|
| Allstate | $1,590 |
| Commonwealth Insurance | $1,964 |
| Nationwide | $1,965 |
| Travelers | $2,171 |
| Mercury | $2,229 |
But auto insurance rates are highly individualized. When you request quotes from an Arizona auto insurance company, they’ll take a look at:
- Your age, ZIP code, and credit-based insurance score
- Your past insurance claims
- Your Arizona motor vehicle record
- How long you’ve been driving
- Your vehicle
Any of these factors—and the many others that go into
calculating car insurance premiums
—could raise or lower your rates.Young drivers pay twice as much as seniors
Drivers under 25 pay the highest rates for coverage in Arizona, while senior drivers enjoy low rates due to their level of experience. Teen drivers in the Grand Canyon State should stay on a parent’s policy to lower the impact of their high-risk profile.
Age | Average annual premium |
|---|---|
18 | $3,586 |
21 | $2,865 |
25 | $1,889 |
35 | $1,698 |
45 | $1,483 |
55 | $1,439 |
65 | $1,251 |
75 | $1,089 |
Drivers with license suspensions and SR-22s pay the highest rates for minimum coverage
If your Arizona driver’s license has been suspended due to a DUI or other serious violation, you can expect higher rates as long as the violation stays on your record. Most driving violations, including speeding tickets, will result in a surcharge on your car insurance policy for three to five years.
Drivers with violations often find lower rates with insurance companies that specialize in high-risk auto insurance, such as Progressive or National General.
| Violation | Average annual premium |
|---|---|
| Cell Phone | $2,152 |
| Suspension | $1,873 |
| DUI | $1,754 |
| Improper Passing | $1,646 |
| Leaving scene of an Accident/Hit and Run | $1,624 |
| Other | $1,564 |
| Speeding over 15 | $1,528 |
| Speeding under 15 | $1,463 |
| Driving on Sus. License | $1,384 |
| Illegal Turn | $1,279 |
Good drivers with poor credit pay 148% more for coverage
Like most states, Arizona allows insurance providers to underwrite policies based in part on credit history. Research by the Consumer Federation of America (CFA) reveals that Arizona drivers with poor credit (below 577) pay nearly 150% more for car insurance than drivers with good credit.
[1]
Even with a clean driving record, poor credit can raise your annual premium. Auto-Owners and State Farm have the steepest rate increases for drivers with poor credit, while Nationwide, Allstate, and GEICO have the lowest average increases.
Tucson has the highest Arizona car insurance rates
Urban areas tend to see higher car insurance rates due to the increased risk of car accidents, theft, and vandalism.
| Average full coverage premium | |
|---|---|
| Tucson | $2,603 |
| Phoenix | $2,544 |
| Mesa | $2,242 |
| Chandler | $1,971 |
These four small towns have Arizona’s cheapest car insurance rates
| Average full coverage premium | |
|---|---|
| Clarkdale | $828 |
| Colorado City | $1,080 |
| Benson | $1,447 |
| Page | $1,347 |
3 easy tips to lower your Arizona auto insurance rates
Shopping smart can help you lock in the cheapest auto insurance rates in Arizona. From bundling insurance products to adjusting your coverage levels, these tips will help you hack your policy to get the best rates.
- Compare car insurance quotes: Comparing quotes helps you identify the best match for your profile, but over half of drivers never both to compare—even though drivers who compare free quotes withJerrysave over $800 a year.
- Qualify for discounts: Most insurers offer a range of car insurance discounts for everything fromgood gradestosafe drivingtobundling your homeowner or renters insurancewith your auto policy. Ask your insurance agent about discounts offered by your current provider.
- Find your coverage sweet spot: Most drivers needfull coverage, but not all coverage options are worth it. Consider dropping add-ons like rental car reimbursement or medical payments coverage in favor of collision, comprehensive, and uninsured motorist coverage.
FAQs
Is car insurance high in Arizona?
Statewide, Arizona’s average car insurance rates are slightly lower than the national average. However, drivers in major Arizona cities usually pay a little more than the national average.
How much is car insurance for a 19-year-old in AZ?
The average 19-year-old driver in Arizona pays about $3,855 per year for a full coverage policy and $3,240 per year for state minimum liability.
Is Arizona a no-fault state?
No. Arizona is an “at-fault” or “tort” state for car insurance, meaning that personal injury protection (PIP) coverage is not required. After an accident, you have the choice to sue the at-fault driver or file a claim with their liability insurance to recover damages in proportion to your share of fault.
What is the minimum car insurance in Arizona?
Arizona’s minimum car insurance requirements are $25,000/$50,000 of bodily injury liability coverage per person/per accident and $15,000 of property damage liability insurance. These minimum liability coverage limits cost an average of $1,422 per year—but only carrying minimum liability could leave you underinsured in the event of a car accident.
What makes a car cheaper for insurance?
The
cheapest cars to insure
are small SUVs with high safety ratings like the Subaru Forester and Toyota RAV4. If you don’t own one of these vehicles, upgrading your car’s security or safety systems can help to lower rates—but be careful of aftermarket mods, which could void your warranty and might not be covered by insurance. Do I need full coverage auto insurance in Arizona?
Collision coverage and comprehensive coverage aren’t required by law in Arizona, but they’re minimum requirements from most lenders if you have an auto loan. Full coverage insurance is also the only way to ensure that you can file a claim for any damage to your car, even in an at-fault accident.
4.7
