Car insurance premiums in Arizona can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Arizona by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Arizona
Our analysis shows that the Honda CR-V and the Hyundai Venue have the lowest average insurance costs in Arizona, with Subaru Outback and Subaru Forester close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Arizona and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $944 |
| Hyundai Venue | $962 |
| Subaru Outback | $965 |
| Subaru Forester | $970 |
| Chevrolet TrailBlazer | $980 |
| Mini Cooper Electric | $981 |
| Honda HR-V | $985 |
| Mazda CX-5 | $986 |
| Honda Pilot | $989 |
| Subaru Crosstrek | $994 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Arizona
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Arizona
Our data shows that Subaru Legacy is the most affordable sedan to insure in Arizona. Its average six-month full coverage cost is $1,035 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Accord takes the second spot at $1,117, while the Nissan Versa comes in third with an average cost of $1,147.
The table below shows the cheapest sedans to insure in Arizona and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,035 |
| Honda Accord | $1,117 |
| Nissan Versa | $1,147 |
| Honda Civic Sedan | $1,154 |
| Toyota Camry | $1,159 |
| Volkswagen Jetta GLI | $1,159 |
| Volkswagen Jetta | $1,170 |
| Toyota Corolla | $1,178 |
| Kia K5 | $1,191 |
| Kia Forte | $1,191 |
| Mazda 3 Sedan | $1,206 |
| Nissan Sentra | $1,207 |
| Nissan Altima | $1,228 |
| Chevrolet Malibu | $1,229 |
| Hyundai Elantra | $1,233 |
| Mitsubishi Mirage G4 | $1,272 |
| Hyundai Sonata | $1,285 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Arizona
The Honda CR-V and Subaru Outback have the lowest car insurance rates, at $944 and $965, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $944 |
| Subaru Forester | $970 |
| Chevrolet TrailBlazer | $980 |
| Honda HR-V | $985 |
| Mazda CX-5 | $986 |
| Honda Pilot | $989 |
| Subaru Crosstrek | $994 |
| Kia Sportage | $1,000 |
| Honda Passport | $1,002 |
| Kia Seltos | $1,007 |
| Volkswagen Tiguan | $1,012 |
| Hyundai Tucson | $1,014 |
| Mazda CX-30 | $1,016 |
| Ford Escape | $1,017 |
| Toyota RAV4 | $1,018 |
| Jeep Wrangler | $1,020 |
| Hyundai Kona | $1,023 |
| Mini Cooper Countryman | $1,024 |
| Ford Edge | $1,026 |
| Chevrolet Equinox | $1,027 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Arizona
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,091.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,091 |
| Honda Civic Si | $1,225 |
| Chevrolet Camaro | $1,248 |
| Ford Mustang | $1,388 |
| BMW Z4 | $1,407 |
| Toyota GR Corolla | $1,408 |
| Toyota GR Supra | $1,417 |
| Subaru BRZ | $1,436 |
| Toyota GR86 | $1,440 |
| Honda Civic Type R | $1,475 |
| Porsche 718 Boxster | $1,503 |
| Subaru WRX | $1,527 |
| Chevrolet Camaro ZL1 | $1,536 |
| Chevrolet Corvette | $1,579 |
| Porsche 718 Cayman | $1,622 |
| Nissan Z | $1,662 |
| Chevrolet Corvette Z06 | $1,926 |
| Jaguar F-Type | $1,979 |
| Porsche 911 | $2,058 |
| Porsche 911 Turbo | $2,227 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Arizona
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,002 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,087) and Acura MDX ($1,101).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,002 |
| Volvo XC40 | $1,087 |
| Acura MDX | $1,101 |
| Lincoln Corsair | $1,150 |
| Cadillac XT4 | $1,151 |
| Cadillac XT5 | $1,163 |
| Volvo XC60 | $1,166 |
| Audi Q3 | $1,184 |
| Acura Integra | $1,186 |
| BMW X3 | $1,190 |
| Lexus RX | $1,191 |
| Alfa-Romeo Tonale | $1,214 |
| Mercedes-Benz GLA-Class | $1,226 |
| BMW X2 | $1,229 |
| Lexus NX | $1,235 |
| BMW X1 | $1,235 |
| Mercedes-Benz GLB-Class | $1,241 |
| Cadillac XT6 | $1,256 |
| Acura TLX | $1,257 |
| Genesis GV70 | $1,275 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Arizona
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,842 annually, or $237 monthly.
The table below lists the most affordable EVs to insure in Arizona and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $981 |
| Kia Niro EV | $1,010 |
| Volkswagen ID.4 | $1,086 |
| Hyundai Kona Electric | $1,123 |
| Nissan Leaf | $1,157 |
| Chevrolet Silverado EV | $1,169 |
| Audi Q4 e-tron | $1,194 |
| Ford F-150 Lightning | $1,201 |
| Toyota bZ4X | $1,219 |
| Hyundai Ioniq 5 | $1,256 |
| Subaru Solterra | $1,266 |
| Mercedes-Benz EQB | $1,295 |
| Kia EV6 | $1,309 |
| Ford Mustang Mach-E | $1,320 |
| Volvo XC40 Recharge | $1,335 |
| Jaguar I-Pace | $1,351 |
| Hyundai Ioniq 6 | $1,363 |
| Nissan Ariya | $1,372 |
| Cadillac LYRIQ | $1,380 |
| Kia EV9 | $1,392 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Arizona
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,815 to insure a Subaru Outback, while insuring a Honda CR-V costs $3,818 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Arizona?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $981, whereas the cost of insuring a Kia Niro EV is $1,010 for the same coverage.
Which SUVs are the cheapest to insure in Arizona?
With an average six-month full coverage premium of $944, the Honda CR-V is one of the least expensive SUVs to insure in Arizona. Subaru Outback and Subaru Forester also offer affordable premiums to Arizona drivers.
What are the cheapest cars to insure for teen drivers in Arizona?
The Subaru Outback, Honda CR-V, Subaru Forester and Honda Pilot are among the most affordable cars to insure for 18-year-old drivers in Arizona. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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