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Average Car Insurance Cost in Arizona (2024)

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

Danny Smith
Editado porDanny Smith
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Danny SmithEscritor de seguros

  • Agente de seguros de auto y hogar con licencia

  • Más de 4 años trabajando en creación de contenidos y marketing

Como editor de seguros de hogar y mascotas de Insurify, Danny también se especializa en aseguranzas de carro. Su objetivo es ayudar a los consumidores a navegar el mundo complejo de la compra de seguros.

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Actualizado el 6 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Arizona

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $31/mes para solo responsabilidad y $52/mes para cobertura total en Arizona.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

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 $104 and $214 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.

Datos Breves

  • 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.

Find Cheap Car Insurance in Arizona

Liability coverage quotes start at $48 per month

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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 $159. 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: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Auto-Owners4877
Mile Auto5282
State Farm5995
GEICO6198
Root64103
USAA66106
Safeco73124
Metromile78126
Sun Coast78161
National General81186
Midvale Home & Auto90140
Allstate98158
Mercury100161
Progressive100177
Direct Auto102210
Travelers102156
Hallmark109248
Dairyland111260
American Family115186
COUNTRY Financial115185
The Hartford118191
GAINSCO119265
Farmers119192
The General122261
Nationwide133192
Liberty Mutual133227
Infinity139193
AssuranceAmerica147234
Bristol West147273
Commonwealth Casualty169394
Foremost213386
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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$174$85
Chandler$186$99
Flagstaff$142$70
Glendale$228$121
Lake Havasu City$124$60
Mesa$194$100
Phoenix$228$117
Scottsdale$191$99
Tempe$206$106
Tucson$177$90
Yuma$151$79
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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$137$285
With speeding ticket$134$279
With DUI$156$324
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Shop for Car Insurance in Arizona

Full-coverage quotes start at $77 per month

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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
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $48. Mile Auto and State Farm are the next-cheapest insurance companies in Arizona, with monthly rates of $52 and $59, 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]

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

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

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