Average Car Insurance Cost in Arizona (2024)

Drivers in Arizona pay an average of $144 per month for car insurance.

Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated February 1, 2024 at 11:00 AM PST

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Arizona drivers pay average car insurance rates of $94 per month for liability-only coverage and $195 per month for full coverage — lower than the national averages of $103 and $207 per month.

Some factors determining the cost of insurance in Arizona are the state’s strict DUI laws and the number of uninsured or underinsured motor vehicles on the road.[1] [2] It’s always crucial to compare car insurance quotes from multiple insurers before buying a policy.

Quick Facts
  • The average cost of car insurance in Arizona is $144.

  • Drivers in Flagstaff and Tucson generally pay the cheapest car insurance premiums.

  • Arizona is an at-fault state for car insurance.

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What’s the average cost of car insurance in Arizona?

The average cost of car insurance in Arizona is $144 per month, slightly lower than the national average rate of $155. Drivers pay $94 per month for a minimum-coverage policy and $195 per month for full coverage.

While liability-only car insurance is more affordable than full coverage, it only covers property damage and medical bills for the other driver if you’re found at fault in an accident. You’ll likely want to carry full-coverage car insurance, which includes collision coverage and comprehensive coverage, to further protect you after an incident.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Auto-Owners4673
Mile Auto4975
State Farm5790
GEICO5992
Root6297
USAA64100
Safeco71131
State Auto74206
Metromile76119
Clearcover76103
Sun Coast77157
National General83185
Midvale Home & Auto93143
Allstate95149
Travelers98143
Mercury98154
Progressive99175
Direct Auto104181
Hallmark108234
Dairyland109255
COUNTRY Financial111175
American Family112176
The Hartford115180
Farmers115182
GAINSCO116251
The General121244
Liberty Mutual128210
Nationwide129171
Infinity141203
AssuranceAmerica141217
Bristol West147262
Commonwealth Casualty165372
Foremost208342
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.

Average Arizona car insurance rates by city

Car insurance prices can vary within Arizona since insurers consider certain areas riskier than others. Accident rates, crime, and population are some of the main reasons insurance rates can differ.

Phoenix is the fifth-largest city in the United States by population and has dense traffic — one intersection in Phoenix is home to the second-most accidents in the entire state.[3] [4]

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Casa Grande$179$85
Chandler$192$99
Flagstaff$144$72
Glendale$238$125
Lake Havasu City$124$62
Mesa$198$101
Phoenix$236$119
Scottsdale$197$99
Tempe$212$108
Tucson$180$90
Yuma$149$79
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 Arizona car insurance rates by age

Insurers strongly consider your age when determining your car insurance premium. Teen drivers are more likely to be in a car accident than any other age group. Not enough experience on the road and distracted driving are two of the main culprits for young drivers getting into accidents.

Once you enter your mid-20s, your car insurance rates will drop dramatically and continue to drop as you age, as long as you maintain a clean driving record. However, once you reach your 70s, rates tend to increase again, as insurers consider senior drivers more high-risk.

Rates by Age

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 gender affects car insurance rates in Arizona

Men are more likely to be in accidents than women, according to the Insurance Information Institute.[5] Other driving incidents for which men receive more citations include speeding and reckless driving. Because of this, insurance companies typically treat men as more risky to insure than female drivers and quote them higher rates.

AgeMaleFemale
16$386$316
35$184$173
50$45$144
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

Arizona has some of the strictest DUI laws in the U.S., with punishments including loss of license, fees, and mandatory jail time of at least 10 days, even for a first offense.[6] You’ll face the highest car insurance rates of any driver group in Arizona if you have a DUI.

Other common incidents include speeding tickets and at-fault accidents. People with clean driving records typically pay the cheapest car insurance rates. The table below shows how having one of these infractions on your driving record might increase your insurance premiums.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$94$195
With accident$140$290
With speeding ticket$136$282
With DUI$159$329
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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Average Arizona car insurance rates by marital status

Your marital status can also affect your car insurance rates. Insurers consider single drivers riskier to insure, as they’re typically younger and more likely to drive a flashier car than married drivers, especially those with families. Single drivers may also live with other drivers who borrow their vehicles regularly and aren’t on their policy.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$83$175
Single$92$194
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 Arizona car insurance rates by credit tier

Arizona allows insurance companies to use your credit history as a factor when determining your rate for car insurance rates. Insurers factor your credit history into a credit-based insurance score to determine your risk level.[7] Drivers with excellent or good credit typically pay less for car insurance than drivers with average or poor credit.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$70$148
Good$83$175
Fair$91$192
Poor$141$298
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.

Arizona car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Arizona.

  • What is the average cost of car insurance in Arizona?

    The average cost of car insurance in Arizona is $144 per month. Drivers pay an average of $94 per month for a liability-only policy and $195 per month for full coverage.

  • What is the cheapest car insurance in Arizona?

    On average, drivers find the cheapest car insurance policies in Arizona through Auto-Owners, with a rate of $46. Mile Auto and State Farm are the next-cheapest insurance companies in Arizona, with monthly rates of $49 and $57, respectively. But the cheapest insurer for you may be different, so it’s important to compare car insurance quotes before buying a policy.

  • Do car insurance rates vary by county in Arizona?

    Yes. Car insurance rates vary by county in Arizona. They also vary by your city, ZIP code, and even where you park your car. Insurers consider things like vehicle theft and traffic and use that data to determine how risky insuring you and your vehicle will be before calculating your premium.

  • What are the best auto insurance companies in Arizona?

    Arizona’s best auto insurance companies include State Farm, USSA, and GEICO. All three of these insurers earned Insurify Quality (IQ) Scores over 4 out of 5 and have strong financial ratings from AM Best, as well as high customer satisfaction ratings from J.D. Power. Even so, it’s always important to shop around and compare car insurance rates from multiple insurers.

  • What are the car insurance requirements in Arizona?

    Arizona requires every operating motor vehicle to meet certain minimum requirements of liability insurance. Liability requirements are $15,000 for property damage and $25,000 for bodily injury for one person. If more than one person is injured in the other driver’s vehicle, the limit is $50,000 for two or more.[8]

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Arizona Governor's Office of Highway Safety. "Arizona DUI Laws." Accessed October 18, 2023
  2. Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed October 18, 2023
  3. City of Phoenix. "Phoenix Facts." Accessed October 18, 2023
  4. AZ Big Media. "5 Arizona roads with the most accidents." Accessed October 18, 2023
  5. Insurance Information Institute. "Married." Accessed October 18, 2023
  6. Arizona Department of Transportation. "Driving Under the Influence (DUI)." Accessed October 18, 2023
  7. Arizona Department of Insurance. "How Insurance Companies Use Credit Information." Accessed October 18, 2023
  8. Arizona Department of Transportation. "Vehicle Insurance Information." Accessed October 18, 2023
Athena Valentine Lent
Athena Valentine Lent

Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George. 

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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