Average Car Insurance Cost in Arizona (2024)

Arizona drivers pay average car insurance rates of $92 per month for liability-only coverage and $186 per month for full coverage — lower than the national averages of $104 and $211 per month.

Some factors determining the cost of insurance in Arizona are the state’s strict DUI laws and the number of uninsured or underinsured motor vehicles on the road.^{[1] [2]} It’s always crucial to compare car insurance quotes from multiple insurers before buying a policy.

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What’s the average cost of car insurance in Arizona?

The average cost of car insurance in Arizona is $139 per month, slightly lower than the national average rate of $158. Drivers pay $92 per month for a minimum-coverage policy and $186 per month for full coverage.

While liability-only car insurance is more affordable than full coverage, it only covers property damage and medical bills for the other driver if you’re found at fault in an accident. You’ll likely want to carry full-coverage car insurance, which includes collision coverage and comprehensive coverage, to further protect you after an incident.

Average Arizona car insurance rates by city

Car insurance prices can vary within Arizona since insurers consider certain areas riskier than others. Accident rates, crime, and population are some of the main reasons insurance rates can differ.

Phoenix is the fifth-largest city in the United States by population and has dense traffic — one intersection in Phoenix is home to the second-most accidents in the entire state.^{[3] [4]}

Average Arizona car insurance rates by age

Insurers strongly consider your age when determining your car insurance premium. Teen drivers are more likely to be in a car accident than any other age group. Not enough experience on the road and distracted driving are two of the main culprits for young drivers getting into accidents.

Once you enter your mid-20s, your car insurance rates will drop dramatically and continue to drop as you age, as long as you maintain a clean driving record. However, once you reach your 70s, rates tend to increase again, as insurers consider senior drivers more high-risk.

How gender affects car insurance rates in Arizona

Men are more likely to be in accidents than women, according to the Insurance Information Institute.^[5] Other driving incidents for which men receive more citations include speeding and reckless driving. Because of this, insurance companies typically treat men as more risky to insure than female drivers and quote them higher rates.

How your driving record affects car insurance rates in Arizona

Arizona has some of the strictest DUI laws in the U.S., with punishments including loss of license, fees, and mandatory jail time of at least 10 days, even for a first offense.^[6] You’ll face the highest car insurance rates of any driver group in Arizona if you have a DUI.

Other common incidents include speeding tickets and at-fault accidents. People with clean driving records typically pay the cheapest car insurance rates. The table below shows how having one of these infractions on your driving record might increase your insurance premiums.

Average Arizona car insurance rates by marital status

Your marital status can also affect your car insurance rates. Insurers consider single drivers riskier to insure, as they’re typically younger and more likely to drive a flashier car than married drivers, especially those with families. Single drivers may also live with other drivers who borrow their vehicles regularly and aren’t on their policy.

Average Arizona car insurance rates by credit tier

Arizona allows insurance companies to use your credit history as a factor when determining your rate for car insurance rates. Insurers factor your credit history into a credit-based insurance score to determine your risk level.^[7] Drivers with excellent or good credit typically pay less for car insurance than drivers with average or poor credit.

Arizona car insurance FAQs