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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
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.
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.
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.
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.
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.
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.
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.
"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.
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.
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.