- The average cost of car insurance in Arizona is $1,812 a year or $151 per month, based on our data analysis.
- Minimum liability coverage in Arizona costs around $516 annually for limits of 25/50/15, while liability-only coverage costs $764 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Arizona, costing $1,312 per year.
- 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%.
The cost of car insurance in Arizona varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,312 a year for full coverage.
This guide makes buying car insurance in Arizona easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Arizona works and how much coverage you need.
How much is car insurance in Arizona?
In Arizona, drivers pay an average of $151 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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.
See how rates change in Arizona based on driver profile:
- Teen drivers in Arizona pay the most – about $590 a month or $7,075 a year.
- Young drivers in their 20s pay an average of $245 monthly or $2,944 annually, for car insurance.
- Senior drivers pay around $154 monthly or $1,848 a year.
- A speeding ticket can increase your rates to $207 monthly or $2,489 annually.
- An at-fault accident increases car insurance rates to $235 a month or $2,815 a year.
- Poor credit drivers usually see their car insurance costs increase to $703 monthly or $8,435 annually.
Average cost of auto insurance in Arizona by coverage level
Car insurance costs in Arizona can differ based on the coverage limit. To legally drive, Arizona residents must adhere to the minimum liability limits of 25/50/15.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Arizona car insurance costs for three different coverage levels.
| 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 laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $15,000 for 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 be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Arizona
The average cost of liability-only insurance in Arizona is $764 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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
On average, premiums for full coverage car insurance in Arizona cost $1,812 per year for the 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.
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
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.
Calculate car insurance rates by ZIP code in Arizona
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Arizona by car model
Arizona car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Arizona drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,762 annually.
Car insurance for drivers aged 16-19 costs $5,313 more annually than Arizona 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.
If you get caught speeding in Arizona, your car insurance rates will increase by 38% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Arizona following 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, comparing quotes can still help you save money.
Car insurance cost in Arizona for high-risk drivers
In Arizona, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
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.
Compare the best car insurance options in Arizona by getting quotes from different insurance companies.
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 most expensive city in Arizona, with an average car insurance rate of $2,251 a year. Lake Havasu City is the cheapest city for Arizona drivers at an average rate of $1,386 annually.
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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Arizona.
Select your city below to see the insurance company and its average full coverage rates.
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.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Arizona.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
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