How Much Is Car Insurance in Arizona? (2026)
Drivers in Arizona pay an average of $1,519 per year for car insurance.
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Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Qualifications:
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
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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Quick Facts
The average cost of car insurance in Arizona is $91 per month for liability-only coverage and $162 per month for full coverage.
Just Pay-Per-Mile is the cheapest auto insurer for minimum coverage in Arizona, with an average of $49 per month.
Arizona car insurance rates increased by 3% in the first half of 2026, and Insurify data projects average rates to increase by 1% more by the year’s end.
How much is car insurance in Arizona?
Arizona drivers pay an average of $91 and $162 per month for liability and full coverage, respectively. Auto insurance is cheaper in Arizona than the national monthly averages of $99 for minimum coverage and $187 for full coverage.
Annually, the average cost of car insurance in Arizona is $1,091 for liability-only coverage and $1,947 for full coverage.
Arizona residents also pay lower average rates than residents of neighboring California, Colorado, and Nevada. Utah’s average rates are similar to Arizona’s, but New Mexico drivers pay less for coverage, at $65 for minimum coverage and $133 per month for full coverage.
The table below shows the average cost of state-minimum and full-coverage insurance in Arizona.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $91 | $1,091 |
| Full coverage | $162 | $1,947 |
Disclaimer: Table data is based on real-time Arizona quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum car insurance requirements in Arizona
Arizona state law requires all vehicle owners to maintain a minimum amount of car insurance, including bodily injury liability and property damage liability. Arizona drivers need to at least have a 25/50/15 policy.
The state doesn’t require drivers to buy uninsured motorist coverage, but those who do must purchase it in amounts equal to the required bodily injury liability coverage limits.
Here are Arizona’s minimum requirements for each liability coverage.[1]
Coverage Type | Arizona Minimum Requirement |
|---|---|
| Bodily injury liability coverage | $25,000 per person/$50,000 per accident |
| Property damage liability coverage | $15,000 per accident |
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Liability quotes in Arizona start at $49/mo.
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Cheapest car insurance companies in Arizona
Dozens of insurers operate in Arizona, but State Farm, Progressive, and GEICO have the biggest market shares, according to a 2025 state report.[2] You should always get at least a few quotes from different companies before you choose a policy, since each option comes with different rates, deductible options, discounts, and more.
Just Pay-Per-Mile, Auto-Owners, and State Farm are three of the cheapest car insurance companies in Arizona, on average.
Below, you can compare average liability rates in Arizona from the state’s cheapest car insurance companies.
The below rates in Arizona are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $49 |
| Just Pay-Per-Mile | $49 |
| Mile Auto | $60 |
| State Farm | $60 |
| Sun Coast | $63 |
| Progressive | $64 |
| USAA | $67 |
| Aspire General | $68 |
| Novo Flex | $68 |
| Novo Next | $71 |
| Certainly | $72 |
| Mercury | $74 |
| The General | $74 |
| Novo | $77 |
| Allstate | $82 |
| GEICO | $82 |
| Just Unlimited | $82 |
| Safeco | $83 |
| Hiroad | $84 |
| Direct Auto | $86 |
| Bristol West | $87 |
| Dairyland | $92 |
| National General | $93 |
| Clearcover | $96 |
| AssuranceAmerica | $97 |
| Trexis | $97 |
| Commonwealth Casualty | $99 |
| GAINSCO | $99 |
| Travelers | $104 |
| Covercube | $110 |
| Mendota | $113 |
| Insurify Car | $115 |
| First Acceptance | $117 |
| American Family | $118 |
| Country Financial | $118 |
| The Hartford | $121 |
| Farmers | $122 |
| Liberty Mutual | $140 |
| Root | $140 |
| Hugo | $142 |
Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona may vary based on the policy buyer's unique driver profile.
Average Arizona car insurance rates by city
If you live in Maricopa County, you may pay higher-than-average rates for car insurance than the Arizona state average. It’s the fourth-largest county in the U.S. by population.[3] Half of all Arizona residents live here, including in cities like Phoenix, Glendale, and Laveen, which have some of the highest average insurance rates in the state.
Larger cities with higher population densities, like Phoenix, have more drivers on the road, resulting in higher accident rates and more crime.
For example, auto theft rates are higher in Phoenix than statewide, and 49% of Arizona’s traffic fatalities in 2024 occurred in Maricopa County.[4] For comparison, just 3% of traffic fatalities happened in Cochise County, home to Sierra Vista, where drivers pay some of the cheapest average rates in Arizona.
Below, you can compare average car insurance rates by coverage level in different Arizona cities.
The below rates in Arizona are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Sierra Vista | $63 | $116 |
| Douglas | $65 | $143 |
| Lake Havasu City | $67 | $102 |
| Cottonwood | $70 | $112 |
| Kingman | $70 | $124 |
| Bullhead City | $71 | $120 |
| Prescott Valley | $72 | $137 |
| Safford | $73 | $135 |
| Prescott | $75 | $119 |
| Yuma | $75 | $130 |
| Flagstaff | $76 | $129 |
| Marana | $83 | $132 |
| Sahuarita | $83 | $147 |
| Florence | $86 | $149 |
| Casa Grande | $90 | $154 |
| Tucson | $93 | $154 |
| Goodyear | $96 | $164 |
| Sun City | $97 | $133 |
| Maricopa | $99 | $177 |
| Apache Junction | $100 | $150 |
| Chandler | $101 | $162 |
| Scottsdale | $103 | $162 |
| Buckeye | $105 | $183 |
| Mesa | $105 | $163 |
| Gilbert | $108 | $169 |
| San Tan Valley | $108 | $172 |
| Surprise | $109 | $183 |
| Litchfield Park | $112 | $177 |
| Peoria | $112 | $183 |
| Tempe | $115 | $178 |
| El Mirage | $117 | $201 |
| Queen Creek | $117 | $180 |
| Avondale | $118 | $191 |
| Laveen | $125 | $224 |
| Tolleson | $127 | $206 |
| Glendale | $129 | $208 |
| Phoenix | $132 | $219 |
Disclaimer: Table data sourced from real-time Arizona car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arizona may vary based on the policy buyer's unique driver profile.
Average Arizona car insurance rates by age
Arizona is a common destination for retirees, and about 21% of Arizona’s population is 65 or older.[5] Senior drivers in Arizona pay $105 per month for car insurance. Older drivers typically pay lower rates because insurers view them as experienced drivers less likely to have an at-fault accident or receive a speeding ticket.
In contrast, Arizona teens typically pay a higher monthly rate of $266, since they’re at higher risk of causing an accident with property damage, injuries, or fatalities.
Below, you can compare average monthly rates by age group for Arizona drivers.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $191 | $339 |
| Adults (40s) | $92 | $163 |
| Seniors | $75 | $134 |
Disclaimer: Table data is based on real-time Arizona quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Arizona
Arizona’s alcohol-related traffic fatality rate is higher than in the rest of the U.S. Around 1% of Arizona drivers have a DUI in their driving history, according to Insurify data. Having a driving under the influence (DUI) conviction can make it more difficult and expensive to get coverage because of SR-22 requirements and the risk of another DUI or additional risky driving.
In Arizona, about 4% of drivers have an at-fault accident on their record, and another 4% have a past speeding ticket, Insurify data shows. Rates with these violations are also typically more expensive, even if you only have a single at-fault accident or speeding ticket. These drivers pose a higher risk of getting into an accident in the future than someone with a clean record.[6]
Here’s how much Arizona drivers with different violations pay for car insurance, on average.
Driving Record | Average Monthly Quote in AZ | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $126 | N/A |
| With speeding ticket | $163 | 29% |
| With accident | $170 | 35% |
| With DUI | $174 | 38% |
Disclaimer: Table data is based on real-time Arizona quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Arizona?
Living in Arizona means contending with an extreme climate and, in some areas, being alongside a lot of other people. Half of the entire state lives in Maricopa County alone. And while auto theft rates are higher in cities like Phoenix, they’re lower statewide in Arizona than in the U.S. overall.
Outside of major cities, residents across the state face a high risk of wildfires and seasonal monsoon flooding. High temperatures pose clear dangers to people and their cars, as batteries can drain quickly and tires can blow out more easily on the hot pavement of Arizona highways.[7]
Under Arizona state law, insurance companies can consider your credit history when you request Arizona car insurance quotes. That’s good news for your premium if you have a good credit history. The average Arizonan has a credit score of 709, according to an Experian survey.[8] But if you have a poor credit history, working to improve it can help you earn lower insurance rates over time.
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How Arizona car insurance rates have changed over the past five years
Rates for full-coverage car insurance rose sharply in Arizona throughout 2023 and 2024 in the wake of the pandemic, in line with rates across the U.S. Since then, average premiums have largely stabilized. That said, costs in Arizona crept up by 3% during the first half of 2026, compared with a 1% increase nationwide.
Rates may be rising slightly faster in Arizona due to its population growth and rate of vehicle fatalities. Unlike trends in the rest of the country, vehicle fatalities aren’t decreasing statewide.
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To find car insurance rates in Arizona and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Arizona
Here are some easy ways to trim your car insurance costs in the Grand Canyon State:
Build positive credit history. While Arizona’s average credit score lands solidly in the “good” range, it still scores slightly lower than the national average. If you have poor credit, working to lower your debt and pay bills on time can go a long way.
Look for driver safety course discounts. Though Arizona doesn’t require insurers to offer a discount for seniors who complete an approved driver safety class, some insurers, like GEICO, offer these savings. Always ask your insurance agent what discounts you may qualify for.
Drop unneeded coverage. Insurify data shows that 68% of Arizona drivers own their vehicles. Those drivers can drop collision coverage and comprehensive coverage if they choose. If you have an older vehicle, you may want to consider purchasing a liability-only policy instead of full coverage.
Arizona average car insurance cost FAQs
Arizona residents pay less for auto insurance than the national average, but you should always try to find the most affordable coverage for your specific needs. The following information can help answer your remaining questions about finding the best auto coverage in Arizona.
What company has the cheapest car insurance rates in Arizona?
Just Pay-Per-Mile offers the cheapest car insurance in Arizona, charging an average of $49 per month for minimum coverage. Auto-Owners and State Farm are two more affordable auto insurers in Arizona.
Are car insurance rates high in Arizona?
No. Arizona car insurance rates are relatively low compared to the nationwide average. Arizona drivers typically pay monthly rates of $91 per month for liability coverage and $162 for full coverage. Drivers nationwide pay $99 per month for liability coverage and $187 for full coverage.
How can you lower car insurance costs in Arizona?
Look at all the discounts your insurance company offers, such as bundling discounts if you’re buying homeowners or renters insurance with your auto policy. Consider selecting the state’s minimum coverage required instead of full coverage if you have an older vehicle. If you select full coverage, consider choosing a higher deductible to lower your premium.
Is auto insurance cheaper in Arizona than in California?
Yes. Auto insurance costs less in Arizona than in California, on average. Minimum coverage in Arizona costs $91 per month, compared to $98 per month in California.
Sources
- Arizona Department of Insurance and Financial Institutions. "Vehicle Insurance Consumer Information."
- Arizona Department of Insurance and Financial Institutions. "Division of Insurance 2025 Annual Report."
- Maricopa County. "Maricopa County Population."
- National Highway Traffic Safety Administration. "Traffic Safety Facts: Arizona."
- United States Census Bureau. "QuickFacts Arizona."
- Arizona Governor's Office of Highway Safety. "State of Arizona Triennial Highway Safety Plan."
- Arizona Department of Transportation. "Severe Weather."
- Experian. "What Is the Average Credit Score in the US?."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
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Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Writer: Lindsay VanSomerenInsurance and Personal Finance Writer
Qualifications:
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
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.