Average Car Insurance Cost in Arizona (2024)
Drivers in Arizona pay an average of $136 per month for car insurance.
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Written byAthena Valentine Lent
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Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
Arizona drivers pay average car insurance rates of $92 per month for liability-only coverage and $180 per month for full coverage — lower than the national averages of $104 and $204 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.
Quick Facts
The average cost of car insurance in Arizona is $136.
Drivers in Flagstaff and Tucson generally pay the cheapest car insurance premiums.
Arizona is an at-fault state for car insurance.
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What’s the average cost of car insurance in Arizona?
The average cost of car insurance in Arizona is $136 per month, slightly lower than the national average rate of $154. Drivers pay $92 per month for a minimum-coverage policy and $180 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $46 | $77 |
| Mile Auto | $51 | $88 |
| State Farm | $57 | $95 |
| GEICO | $58 | $98 |
| USAA | $63 | $106 |
| Metromile | $76 | $127 |
| Root | $78 | $122 |
| Sun Coast | $80 | $158 |
| National General | $84 | $198 |
| Allstate | $94 | $158 |
| Travelers | $98 | $164 |
| Progressive | $99 | $177 |
| Mercury | $101 | $173 |
| Safeco | $104 | $152 |
| Dairyland | $106 | $268 |
| Direct Auto | $108 | $235 |
| American Family | $111 | $186 |
| COUNTRY Financial | $111 | $185 |
| Clearcover | $113 | $190 |
| The Hartford | $114 | $191 |
| Farmers | $115 | $193 |
| The General | $117 | $270 |
| Bristol West | $127 | $249 |
| Nationwide | $128 | $215 |
| GAINSCO | $129 | $298 |
| Commonwealth Casualty | $160 | $390 |
| AssuranceAmerica | $163 | $290 |
| Liberty Mutual | $169 | $255 |
| Foremost | $211 | $383 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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]
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Casa Grande | $168 | $83 |
| Chandler | $177 | $95 |
| Flagstaff | $133 | $69 |
| Glendale | $215 | $120 |
| Lake Havasu City | $113 | $59 |
| Mesa | $181 | $101 |
| Phoenix | $216 | $116 |
| Scottsdale | $180 | $98 |
| Tempe | $196 | $105 |
| Tucson | $166 | $88 |
| Yuma | $144 | $78 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $386 | $316 |
| 35 | $184 | $173 |
| 50 | $45 | $144 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $92 | $180 |
| With accident | $129 | $253 |
| With speeding ticket | $127 | $248 |
| With DUI | $148 | $289 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Arizona
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $41/mo for full coverage in Arizona.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $83 | $175 |
| Single | $92 | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Excellent | $70 | $148 |
| Good | $83 | $175 |
| Fair | $91 | $192 |
| Poor | $141 | $298 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Arizona car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Arizona.
What is the average cost of car insurance in Arizona?
The average cost of car insurance in Arizona is $136 per month. Drivers pay an average of $92 per month for a liability-only policy and $180 per month for full coverage.
What is the cheapest car insurance in Arizona?
On average, drivers find the cheapest car insurance policies in Arizona through Auto-Owners, with a rate of $46. Mile Auto and State Farm are the next-cheapest insurance companies in Arizona, with monthly rates of $51 and $57, respectively. But the cheapest insurer for you may be different, so it’s important to compare car insurance quotes before buying a policy.
Do car insurance rates vary by county in Arizona?
Yes. Car insurance rates vary by county in Arizona. They also vary by your city, ZIP code, and even where you park your car. Insurers consider things like vehicle theft and traffic and use that data to determine how risky insuring you and your vehicle will be before calculating your premium.
What are the best auto insurance companies in Arizona?
Arizona’s best auto insurance companies include State Farm, USSA, and GEICO. All three of these insurers earned Insurify Quality (IQ) Scores over 4 out of 5 and have strong financial ratings from AM Best, as well as high customer satisfaction ratings from J.D. Power. Even so, it’s always important to shop around and compare car insurance rates from multiple insurers.
What are the car insurance requirements in Arizona?
Arizona requires every operating motor vehicle to meet certain minimum requirements of liability insurance. Liability requirements are $15,000 for property damage and $25,000 for bodily injury for one person. If more than one person is injured in the other driver’s vehicle, the limit is $50,000 for two or more.[8]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Arizona Governor's Office of Highway Safety. "Arizona DUI Laws."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- City of Phoenix. "Phoenix Facts."
- AZ Big Media. "5 Arizona roads with the most accidents."
- Insurance Information Institute. "Married."
- Arizona Department of Transportation. "Driving Under the Influence (DUI)."
- Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
- Arizona Department of Transportation. "Vehicle Insurance Information."
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Athena Valentine Lent
Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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