Arizona Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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