Average Car Insurance Cost in Arizona (2025)
Drivers in Arizona pay an average of $132 per month for car insurance.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
The average monthly cost of car insurance in Arizona is $171 for full coverage and $93 for liability-only coverage. Drivers in Arizona pay slightly less than the national monthly averages of $196 for full coverage and $105 for liability-only coverage.
Arizona car insurance premiums may be less than the national average because the state has relatively infrequent car thefts and fewer uninsured drivers.[1] [2] But as auto insurance premiums have risen across the U.S. in recent years, they’ve also increased in the Grand Canyon State, indicating that rates could continue to climb.
Quick Facts
Auto-Owners has the cheapest average car insurance premiums in Arizona, with monthly liability rates of $45.
Arizona drivers must have at least 25/50/15 in liability insurance.[3]
Lake Havasu City has the cheapest rates in Arizona, at $85 per month, according to Insurify data.
How much is car insurance in Arizona?
The average premium in Arizona for full coverage is $171 per month, or $2,053 per year. Full coverage includes liability, comprehensive, and collision coverage, which help pay for repairs to your vehicle.
State-minimum coverage costs an average of $93 per month, or $1,114 per year. Liability-only insurance meets Arizona’s requirements, but it doesn’t pay for your medical expenses or car repairs.
For comparison, Arizona’s car insurance costs are slightly cheaper than those in neighboring New Mexico, but drivers in California pay significantly higher premiums.
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How Arizona car insurance rates have changed over the past two years
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To find car insurance rates in Arizona and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Arizona peaked at more than $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, and they remain more expensive than in Arizona.
See how Arizona car insurance prices have changed over the past two years below.
Average Arizona Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Arizona car insurance rates by city
Your location influences how much you pay for insurance, and premiums in Arizona vary from city to city. Rates tend to be more expensive in big cities with more drivers.[4] And since accidents and vehicle thefts occur more often in populated areas, this leads to higher premiums.
Glendale and Phoenix — two of the biggest cities in the state — have some of the highest average car insurance premiums in Arizona, based on Insurify data. In contrast, Lake Havasu City and Flagstaff, which are smaller, have lower premiums.
The following table shows average car insurance premiums in several Arizona cities:
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Lake Havasu City | $60 | $111 |
| Flagstaff | $71 | $130 |
| Yuma | $77 | $140 |
| Casa Grande | $83 | $166 |
| Tucson | $88 | $157 |
| Chandler | $94 | $169 |
| Scottsdale | $96 | $169 |
| Mesa | $101 | $172 |
| Tempe | $104 | $188 |
| Phoenix | $117 | $208 |
| Glendale | $119 | $205 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Arizona (2025)
Average Arizona car insurance rates by age and gender
Your age and gender affect how much you pay for insurance. In general, teens pay the highest car insurance rates because they lack experience and are more likely to get into accidents than older drivers.[5] Rates decrease with age as drivers gain experience behind the wheel, with senior drivers paying the lowest rates. But rates start to increase at age 70, as slower reflex times can contribute to accidents.[6]
Male drivers often pay slightly higher insurance premiums than female drivers because they tend to have more accidents.[7]
Below, you can see the average car insurance premiums in Arizona for male and female drivers in different age groups:
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $224 | $430 |
| 18 | $195 | $374 |
| 20 | $124 | $239 |
| 25 | $110 | $211 |
| 30 | $95 | $183 |
| 40 | $86 | $164 |
| 50 | $77 | $148 |
| 60 | $69 | $134 |
| 70+ | $73 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $215 | $414 |
| 18 | $187 | $360 |
| 20 | $120 | $229 |
| 25 | $105 | $202 |
| 30 | $91 | $175 |
| 40 | $82 | $158 |
| 50 | $74 | $142 |
| 60 | $67 | $128 |
| 70+ | $71 | $135 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Arizona
The make and model of your vehicle also affect your car insurance premium. For example, in Arizona, insuring a Toyota RAV4 costs significantly less than insuring a Tesla Model Y. Factors contributing to your car insurance rate include the cost of repairs and your vehicle’s value.
Below, you can see some of the most popular vehicles in Arizona, according to Edmunds, and the average cost of insuring each one, according to Insurify data. These cars rank among the bestselling models in Arizona because of their reliability and capability in both urban areas and rugged regions.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $180 |
| Tesla Model Y | $299 |
| Toyota RAV4 | $166 |
| Honda CR-V | $152 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Arizona
Your driving record plays a significant role in your car insurance premium. You’ll usually pay lower rates if you have a clean driving record than if you have speeding tickets or at-fault accidents. Plus, insurance companies often offer a discount to accident-free customers.
For example, Arizona drivers with an accident on their record pay almost 39% more for car insurance than drivers with a clean record. A DUI conviction raises rates by nearly 60%.
The table below shows the average rates for a sample Arizona driver profile with various incidents on their record:
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $185 | 39% |
| With speeding ticket | $180 | 35% |
| With DUI | $212 | 59% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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In Arizona, car insurance companies can use your credit history to determine your car insurance rates.[8] That means your credit history can affect the cost of your policy. Drivers with excellent credit typically pay lower rates, as insurers may consider drivers with a limited credit history or poor credit to be at a higher risk for filing claims.
The following table highlights the average cost of car insurance in Arizona for drivers in different credit tiers:
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $89 $170 Good $90 $173 Fair $89 $171 Poor $114 $219 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Arizona
You can potentially reduce your insurance costs in Arizona with these tips:[9]
Pay in full
Most Arizona car insurance companies offer a small discount to drivers who pay their annual premium up front and in full. You might also qualify for a discount if you enroll in automatic payments or sign up for paperless billing statements.
Take a defensive driving course
You can often get a cheaper insurance premium if you complete an approved defensive driving course. Some insurers require every driver on the policy to take the course to get the discount.
Bundle your policies
Many insurers offer generous discounts for policy bundling. For example, you can often save money by purchasing a car insurance policy along with home insurance.
Choose higher deductibles
Raising your comprehensive and collision deductible can reduce your monthly premium. But before you change your deductibles, make sure you can afford the difference out of pocket if you need to file a claim.
Shop around
Before your policy renews, it’s a good idea to shop around and compare quotes from several insurance companies. Regular comparison shopping can help you find the best and cheapest policy for your situation.
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Arizona average car insurance cost FAQs
The information below can help you find the best coverage in the Grand Canyon State.
In Arizona, the average annual car insurance premium is $2,053 for full coverage and $1,114 for state-minimum coverage. The average cost of car insurance in Arizona is slightly less than the U.S. national average, which is $2,350 per year for full coverage and $1,257 for liability-only coverage.
The cheapest car insurance company in Arizona is Auto-Owners, with an average monthly rate of $45, Insurify data shows. But the cheapest car insurance company for you may be different based on your unique driver profile and coverage needs.
The average cost of car insurance in Arizona is $171 per month for full coverage and $93 per month for state-minimum coverage. Your age, coverage amount, deductibles, and insurance company all affect your premiums.
The best car insurance companies in Arizona include State Farm, USAA, and Progressive. But there isn’t a single best insurance company for every driver. To find the best car insurance for your needs and preferences, it’s important to shop around and compare multiple insurers.
Arizona drivers must have at least 25/50/15 in personal liability insurance. That includes:
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$15,000 in property damage liability coverage per accident
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Facts + Statistics: Auto theft."
- Insurance Information Institute. "Facts + statistics: Uninsured motorists."
- Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- CDC. "Risk Factors for Teen Drivers."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
- Consumer Protection Division Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information."
- Insurance Information Institute. "How to save money on car insurance."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.