- The average cost of car insurance in Arizona is $2,420 a year or $202 per month, based on our data analysis.
- Minimum liability coverage in Arizona costs around $684 annually for limits of 25/50/15, while liability-only coverage costs $787 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Arizona, costing $1,734 per year.
- In Arizona, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 42%, a DUI raising rates by 57%, and an at-fault accident by up to 48%.
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 Travelers offers the most affordable car insurance at $1,734 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.
How much is car insurance in Arizona?
CarInsurance.com data found that drivers in Arizona pay $202 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Arizona based on driver profile:
- Teen drivers in Arizona pay the most — about $715 a month or $8,584 a year.
- Young drivers in their 20s pay an average of $289 monthly or $3,473 annually, for car insurance.
- Senior drivers pay around $205 monthly or $2,463 a year.
- A speeding ticket can increase your rates to $286 monthly or $3,433 annually.
- An at-fault accident increases car insurance rates to $298 a month or $3,574 a year.
- Poor credit drivers usually see their car insurance costs increase to $328 monthly or $3,933 annually.
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 is the least expensive coverage and meets the minimum legal requirements in Arizona, but it doesn’t offer adequate 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $57 | $684 |
| Liability Only – 50/100/50 BI/PD | $66 | $787 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $202 | $2,420 |
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 $684 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 $787 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 $2,420 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
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
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 $2,345 annually.
Car insurance for drivers aged 16-19 costs $6,239 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 $8,584 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,345 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,345 per year in Arizona.
- For senior drivers: Drivers age 65 and older can expect to pay $2,463 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 57% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Arizona, be prepared for your car insurance rates to rise by up to 42% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 42% increase
- DUI conviction: 57% increase
- At-fault accident (bodily injury and property damage): 48% 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 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
In Arizona, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Arizona by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Arizona, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $447 | $478 | $1,734 |
| GEICO | $438 | $517 | $1,932 |
| Allstate | $579 | $700 | $2,867 |
| Farmers | $850 | $1,027 | $3,016 |
| Progressive | $1,394 | $1,494 | $3,193 |
| USAA | $457 | $520 | $1,845 |
Car insurance rates by city in Arizona
Glendale is the priciest city in Arizona for car insurance, costing an average of $3,013 annually. On the other hand, Tucson is the most affordable city, where drivers pay an average of $2,447 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.
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.
How much does car insurance cost in Arizona per month?
In Arizona, a full coverage car insurance policy with 100/300/100 limits typically costs about $202 per month.
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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $57 |
| Liability Only – 50/100/50 BI/PD | $66 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $202 |
Final thoughts on choosing car insurance in Arizona
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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