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Arizona Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

How Much Does Car Insurance Cost In Arizona?

On average, car insurance rates for drivers in Arizona are $235 per month, and $2821 per year. The average rates make Arizona the 19th most expensive state in the country for car insurance rates and 5% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $23550%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Arizona Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Arizona and has selected the following providers and quotes as the best rates for drivers in Arizona.

Cheapest CompaniesQuotes
State Farm$42
Allstate$63
Travelers$85
GEICO$90
The General$134

Arizona Car Insurance Rates by City

For drivers in Arizona, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Arizona.

CityAvg. Monthly Rate
Chandler$201
Gilbert$214
Glendale$246
Mesa$194
Peoria$223
Phoenix$231
Scottsdale$204
Tempe$219
Tucson$177
Yuma$138

What Is the Average Cost of Car Insurance in Arizona by Age?

How many teenagers can afford to pay $447 a month for car insurance and still have time for school, sports, and other extracurriculars? That’s the average price of car insurance premiums for Arizona teens. Twentysomethings fare a little better, seeing a $160 reduction as they gain experience over the teen years.

People in their 30s, 40s, and 50s finally see an average price below the average monthly cost for all Arizona residents. Seniors ready for golf and retirement get the best rates. And then, as eyesight and dexterity slip a little, the price goes back up, but it's still far below the young folks.

AgeAvg. Monthly Rate
Teens$447
20s$273
30s$198
40s$211
50s$192
60s$167
70s$183
>80s$199

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What Is the Average Cost of Car Insurance in Arizona by Gender?

Men pay seven percent more than women for car insurance in the Grand Canyon State. You can chalk up that difference to men driving bigger, more expensive rides and women being statistically safer drivers––which means car insurance companies charge them less.

GenderAvg. Monthly Rate
Male$243
Female$227

Does Marital Status Influence the Average Cost of Car Insurance in Arizona?

If you're single and ready to mingle, perhaps finding a significant other should be a top priority in Arizona. Why? Well, you might save over $300 a year on car insurance payments when you walk down the aisle. That’s because married couples in Arizona pay an average of $27 per month less for car insurance than their single counterparts.

Marital StatusAvg. Monthly Rate
Married$216
Single$243

Minimum Car Insurance Requirements in Arizona

Arizona[1] does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Arizona are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

How Does Credit History Affect Arizona Car Insurance Rates?

Like in many other states, insurance companies in Arizona are allowed to include credit score as a factor when calculating car insurance rates.

In Arizona, drivers with poor credit pay less than those with average and good credit. Why? People with poor credit often purchase insurance plans with less coverage and finance cheaper vehicles than their counterparts with good credit. Excellent credit, considered to be a score of 800 or higher, provides the real savings, at $23 per month below the state average.

Credit HistoryAvg. Monthly Rate
Poor$219
Average$227
Good$237
Excellent$212

What Is the Average Cost of Car Insurance in Arizona for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Arizona will pay $12 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $38. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$224
At-Fault Accident$272
Speeding$236

Tips for Researching Arizona Car Insurance Rates

The Grand Canyon State's prices and premiums differ by location, company, and driver. As of 2020, Arizona was the second fastest-growing state in the U.S. Does increased population equal increased rates? Arizonans hope for a different outcome.
One strategy to keep your cost down is to try Insurify ’s comparison tool. You can generate 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Arizona Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Arizona. Insurify analyzed the latest data for the five most populous cities in Arizona to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Arizona and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Arizona Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022