Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,312 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Arizona. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Arizona and how much you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Arizona, costing $1,312 per year.
- In Arizona, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Arizona costs $516 annually for limits of 25/50/15, while liability-only coverage costs $764 per year for limits of 50/100/50.
- In Arizona, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 38%, a DUI raising rates by 64%, and an at-fault accident by up to 53%.
How much is car insurance in Arizona?
According to CarInsurance.com data, drivers in Arizona pay about $151 per month for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Arizona by coverage level
In Arizona, car insurance rates can differ depending on how much coverage you choose. Drivers in Arizona are required by law to have minimum insurance coverage limits of 25/50/15 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Arizona. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Arizona for three different coverages.
Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
---|---|---|
State Minimum – Liability Only BI/PD | $43 | $516 |
Liability Only – 50/100/50 BI/PD | $64 | $764 |
Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $151 | $1,812 |
State minimum car insurance in Arizona
Arizona’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $15,000 in property damage liability.
In Arizona, you can get state minimum car insurance for $516 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Arizona must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Arizona
Liability-only car insurance costs $764 in Arizona for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Arizona
The average annual premium in Arizona is $1,812 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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- Non-owner car insurance in Arizona: Find affordable rates
- Liability insurance for Arizona drivers
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- Arizona car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Arizona?
- Car insurance for high-risk drivers in Arizona
- Cheap car insurance for seniors in Arizona
- Car insurance discounts in Arizona; 10% potential savings
- What’s the cheapest car insurance in Arizona?
Calculate the cost of car insurance in Arizona
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, residents in higher-risk neighborhoods in Arizona pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Arizona Car Insurance Rates by ZIP Code
Estimate car insurance in Arizona by car model
Car insurers in Arizona use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Arizona.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Arizona
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Arizona drivers aged 30 to 60 have the lowest average auto insurance rates at $1,762 annually.
Arizona drivers aged 16-19 pay $5,313 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,075 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,804 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,762 per year in Arizona.
- For senior drivers: Drivers age 65 and older can expect to pay $1,848 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Arizona
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Arizona, a DUI conviction often results in higher premiums and you may see an increase of up to 64% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Arizona, you’ll likely see an increase in your car insurance premium by up to 38% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 38% increase
- DUI conviction: 64% increase
- At-fault accident (bodily injury and property damage): 53% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Arizona for high-risk drivers
In Arizona, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
Company Name | Insurance Rates |
---|---|
Geico | $1,588 |
Auto-Owners | $2,141 |
Travelers | $2,177 |
USAA | $2,435 |
State Farm | $2,565 |
Nationwide | $2,783 |
Progressive | $3,111 |
Allstate | $3,143 |
Farmers | $4,042 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Compare car insurance quotes in Arizona
In Arizona, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Arizona by getting quotes from multiple insurance providers and comparing them.
Below are the details of Arizona car insurance companies and their annual premiums.
Company | State Minimum | 50/100/50 | 100/300/100 |
---|---|---|---|
Geico | $369 | $538 | $1,312 |
Travelers | $480 | $649 | $1,489 |
Auto-Owners | $374 | $520 | $1,539 |
Nationwide | $662 | $805 | $1,726 |
Progressive | $639 | $866 | $1,903 |
Allstate | $566 | $940 | $2,215 |
State Farm | $613 | $850 | $2,233 |
Farmers | $669 | $1,210 | $2,331 |
USAA | $275 | $507 | $1,581 |
Car insurance rates by city in Arizona
Phoenix is the priciest city in Arizona for car insurance, costing an average of $2,251 annually. On the other hand, Lake Havasu City is the most affordable city, where drivers pay an average of $1,386 per year for car insurance.
Car insurance rates vary by city in Arizona for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Arizona’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
Company Name | Insurance Rates |
---|---|
Geico | $1,465 |
USAA | $1,637 |
Travelers | $1,651 |
Auto-Owners | $1,751 |
Nationwide | $1,990 |
Progressive | $2,148 |
Farmers | $2,645 |
State Farm | $2,789 |
Allstate | $2,815 |
How much does car insurance cost in Arizona per month?
Car insurance in Arizona costs an average of $151 a month for a full coverage policy with limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
Coverage Level | Avg. Monthly Rates |
---|---|
State Minimum – Liability Only BI/PD | $43 |
Liability Only – 50/100/50 BI/PD | $64 |
Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $151 |
Final thoughts on choosing car insurance in Arizona
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Arizona. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.