How Much Does Car Insurance Cost In Arizona?

On average, drivers pay $235 per month for car insurance in Arizona, according to 2021 rates.

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Average Cost of Car Insurance in Arizona

An Arizona road trip can take you to the wonders of the Grand Canyon, the colors of the Painted Desert, and the fossils of the Petrified Forest National Park. But most Arizonans aren't stuck marveling at the desert beauty. They're more concerned with getting back and forth to work or school without melting.

Over two-thirds of Arizona's 7.2 million people live in the Greater Phoenix Metro. Traffic can be just as common as sunshine on a summer day, even in the state's smaller parts. Could all the sizzle of what seems to be an endless summer contribute to Arizona's rank of 19th for the highest car insurance prices in the U.S.?

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.

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

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

What Are the Minimum Car Insurance Requirements in Arizona?

Arizonans must carry liability insurance to pay if they injure others or damage their property. The law states you must have $25,000 in bodily injury liability per person and $50,000 per accident, and $15,000 in property damage liability per accident. If you want to protect your vehicle, pick up comprehensive and collision coverage.

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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.

FAQs - Arizona Car Insurance

Why is car insurance so expensive in Arizona?

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.

Do car insurance rates vary by county in Arizona?

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.

Which providers have the best auto insurance ratings in Arizona?

'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.'

How much do annual auto insurance rates increase in Arizona?

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.