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 learn how auto insurance in Arizona works and how much insurance you need.
- 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%.
How much is car insurance in Arizona?
CarInsurance.com data found that drivers in Arizona pay $151 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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 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.
Below, you will find the rates for car insurance in Arizona for 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’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 be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Arizona
According to CarInsurance.com data, liability-only car insurance costs $764 in Arizona for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
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
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Arizona have to bear greater financial burdens than those in areas with lower risks.
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 ( Liability - Minimum)
Estimate car insurance in Arizona by car model
In Arizona, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Arizona, a DUI conviction lead to increased rates and you may see a rate hike of up to 64% as insurers categorize 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 compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
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
Drivers in Arizona can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in Arizona by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Arizona and their average 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 premiums differ across cities in Arizona and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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?
The average cost of a full-coverage car insurance policy in Arizona costs $151 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| 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.
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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