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Average cost of car insurance in Arizona in 2024

The average annual cost for car insurance in Arizona is $2,515 for full coverage and $795 for minimum coverage.

Updated Mar 14, 2024
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How much is car insurance in Arizona?

Based on Bankrate’s 2024 study of car insurance rates sourced from Quadrant Information Services, average annual Arizona car insurance rates are $2,515 for full coverage and $795 for minimum coverage. Both rates are about on par with the national annual average cost of car insurance, which is $2,545 and $741 for full and minimum coverage, respectively. However, numerous factors impact how much you’ll pay. These include where you live in Arizona, the types and levels of coverage you choose, the car insurance company you pick, your age, gender, credit-based insurance score, driving history, vehicle type and more.

Key takeaways

  • Arizona drivers pay an average of $2,515 per year for full coverage or $795 per year for minimum coverage.
  • Getting an infraction like a DUI in Arizona could raise your insurance premium by 99 percent more.
  • Drivers in Phoenix pay an average of 8 percent more for car insurance than their Arizona peers.
  • 18-year-old males typically pay the most for car insurance in Arizona, while 60-year-old drivers typically pay the least.

Arizona car insurance rates by city

Auto insurance rates vary by city, as well as by state. Several factors can influence this difference. Some ZIP codes may have more expensive car repair services and parts, while others may have higher rates of car accidents or instances of theft and vandalism. These variables are factored in along with personal ones like your driving record when insurers determine your rates. The table below shows average annual rates for full coverage in five Arizona cities, along with how much each city’s full coverage rates differs from the overall state average.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Arizona

There are a few states where age and gender are not factored into your car insurance rates due to state regulations, but Arizona isn’t one of them. In Arizona, like in most states, younger people and males, on average, typically pay higher premiums. In general, auto insurance rates go down with age. In Arizona, the highest average rates based on age and gender are for 18-year-old males, who pay an average of $6,657 per year for full coverage.

Age 16*
Avg. monthly full coverage premium in Arizona
$494
Avg. annual full coverage premium in Arizona
$5,925
Age 18
Avg. monthly full coverage premium in Arizona
$680
Avg. annual full coverage premium in Arizona
$8,163
Age 20
Avg. monthly full coverage premium in Arizona
$480
Avg. annual full coverage premium in Arizona
$5,763
Age 25
Avg. monthly full coverage premium in Arizona
$265
Avg. annual full coverage premium in Arizona
$3,174
Age 30
Avg. monthly full coverage premium in Arizona
$228
Avg. annual full coverage premium in Arizona
$2,739
Age 40
Avg. monthly full coverage premium in Arizona
$211
Avg. annual full coverage premium in Arizona
$2,528
Age 50
Avg. monthly full coverage premium in Arizona
$196
Avg. annual full coverage premium in Arizona
$2,349
Age 60
Avg. monthly full coverage premium in Arizona
$188
Avg. annual full coverage premium in Arizona
$2,254
Age 70
Avg. monthly full coverage premium in Arizona
$208
Avg. annual full coverage premium in Arizona
$2,499
Age 40
Avg. monthly full coverage premium in Arizona
$211
Avg. annual full coverage premium in Arizona
$2,528
Age 50
Avg. monthly full coverage premium in Arizona
$196
Avg. annual full coverage premium in Arizona
$2,349
Age 60
Avg. monthly full coverage premium in Arizona
$188
Avg. annual full coverage premium in Arizona
$2,254
Age 70
Avg. monthly full coverage premium in Arizona
$208
Avg. annual full coverage premium in Arizona
$2,499
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in Arizona
$441
Avg. annual full coverage premium in Arizona
$5,294
Age 18
Avg. monthly full coverage premium in Arizona
$595
Avg. annual full coverage premium in Arizona
$7,136
Age 20
Avg. monthly full coverage premium in Arizona
$416
Avg. annual full coverage premium in Arizona
$4,994
Age 25
Avg. monthly full coverage premium in Arizona
$247
Avg. annual full coverage premium in Arizona
$2,959
Age 30
Avg. monthly full coverage premium in Arizona
$220
Avg. annual full coverage premium in Arizona
$2,644
Age 40
Avg. monthly full coverage premium in Arizona
$208
Avg. annual full coverage premium in Arizona
$2,501
Age 50
Avg. monthly full coverage premium in Arizona
$193
Avg. annual full coverage premium in Arizona
$2,312
Age 60
Avg. monthly full coverage premium in Arizona
$183
Avg. annual full coverage premium in Arizona
$2,200
Age 70
Avg. monthly full coverage premium in Arizona
$202
Avg. annual full coverage premium in Arizona
$2,424
Age 40
Avg. monthly full coverage premium in Arizona
$208
Avg. annual full coverage premium in Arizona
$2,501
Age 50
Avg. monthly full coverage premium in Arizona
$193
Avg. annual full coverage premium in Arizona
$2,312
Age 60
Avg. monthly full coverage premium in Arizona
$183
Avg. annual full coverage premium in Arizona
$2,200
Age 70
Avg. monthly full coverage premium in Arizona
$202
Avg. annual full coverage premium in Arizona
$2,424
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Car insurance companies take gender into account when determining risk. According to the CDC, males are statistically more likely to be involved in car accidents. Insurers see that increased risk, which could result in costly payouts, and charge men more for insurance coverage.

Cost considerations for young drivers in Arizona

Car insurance premiums are largely based on risk assessments. In general, the younger and less experienced a driver is, the riskier they are to insure. While there may be no way around this other than time, there are still some ways younger drivers might save money on their auto insurance.

Young drivers are often charged different premiums depending on whether they have their own insurance policy or are on their parent's policy. Generally, drivers under 18 have to be on their parent's policy. Still, drivers between 18 and 25 may still save money on premiums by being on their parent's policy.

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Age 16*
Avg. annual premium for drivers in AZ
$5,610
Age 17
Avg. annual premium for drivers in AZ
$5,248
Age 18
Avg. annual premium for drivers in AZ
$4,870
Age 19
Avg. annual premium for drivers in AZ
$4,341
Age 20
Avg. annual premium for drivers in AZ
$3,974
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in AZ
$7,650
Age 19
Avg. annual premium for drivers in AZ
$6,124
Age 20
Avg. annual premium for drivers in AZ
$5,378
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 57 percent more
Age 19 41 percent more
Age 20 35 percent more

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Arizona?

Having a driving incident like a speeding ticket, at-fault accident or a DUI conviction on your record will likely increase your Arizona auto insurance rates. These incidents could cause insurance companies to view you as a high-risk driver, meaning you might be more likely to cause accidents and file claims in the future. Insurers will typically add a surcharge to your premium for a few years, likely as long as the incident is officially on your motor vehicle record. For instance, drivers with a DUI conviction in Arizona pay, on average, 99 percent more for full coverage than someone with a clean driving record.

The table below shows how different driving incidents can impact rates when compared to the average cost of car insurance in Arizona with a clean driving record to give you an idea of how much you might pay if you have one of these incidents on your driving record.

Clean driving record
Avg. annual premium* in Arizona
$2,515
Percentage increase from Arizona avg. annual premium*
0%
Avg. annual premium* in Arizona
$3,133
Percentage increase from Arizona avg. annual premium*
25%
Avg. annual premium* in Arizona
$3,671
Percentage increase from Arizona avg. annual premium*
46%
Avg. annual premium* in Arizona
$4,993
Percentage increase from Arizona avg. annual premium*
99%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

Car insurance rates in Arizona by credit tier

Arizona, like most states, allows insurers to use credit-based insurance scores when calculating rates. Insurers use credit information to help determine risk levels for drivers. People with higher credit scores typically enjoy lower rates, while those with credit scores considered poor may face much higher insurance rates overall. For example, a driver with a poor credit rating in Arizona pays, on average, 74 percent more per year for full coverage auto insurance.

Avg. annual premium* in Arizona
$4,383
Percentage difference from Arizona avg. annual premium*
74%
Average
Avg. annual premium* in Arizona
$2,769
Percentage difference from Arizona avg. annual premium*
10%
Avg. annual premium* in Arizona
$2,515
Percentage difference from Arizona avg. annual premium*
0%
Excellent
Avg. annual premium* in Arizona
$2,149
Percentage difference from Arizona avg. annual premium*
-15%
*Rates reflect full coverage policies.

Arizona car insurance rates by vehicle type

One of the biggest factors in determining your car insurance rates in Arizona is the type of vehicle you drive. Each make and model comes with its own statistical crash and theft data, price of parts and safety features. The vehicles below fit a variety of lifestyles and budgets and give an idea of how much car insurance might cost for your vehicle in Arizona.

Avg. annual premium* in Arizona
$2,515
Avg. annual premium* in Arizona
$2,278
Avg. annual premium* in Arizona
$2,240
BMW 330i
Avg. annual premium* in Arizona
$3,148
Toyota Prius
Avg. annual premium* in Arizona
$2,510
*Rates reflect full coverage policies.

Estimate your car insurance cost in Arizona

It can be challenging to set a budget for insurance when so many factors impact the cost of coverage. That’s why Bankrate created the useful tool below. Enter some basic information and you’ll get a rough estimate of what you might pay for an insurance premium. Keep in mind that this is not an exact quote, but it can help you get an idea of how much you might need to budget.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Calculate your monthly car insurance payment

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How to save on car insurance in Arizona

The average cost of car insurance in Arizona might be close to the national average, but there may be opportunities for some drivers to save a little bit more money. From safer driving to switching carriers to pursuing discounts, there are often several avenues to pursue when aiming to save money on car insurance. By utilizing some of these tips below, you may be able to save on your auto insurance policy:

  • Take a defensive driving course. Some car insurance companies offer discounts to drivers who take an approved safe driving course. Though you will typically need to pay for the class upfront, you could receive the discount for multiple years, which may result in significant savings.
  • Enroll in a telematics program. Many car insurance companies offer their own usage-based telematics programs that track and reward safe driving habits. If you’re already a safe driver or want to improve, this could be a useful opportunity. Keep in mind, though, that some telematics programs could also raise your rates if you exhibit unsafe driving habits.
  • Understand your deductible. If you have comprehensive and collision coverage in your auto policy, your deductible would need to be paid out of pocket for a covered claim, while the insurance company covers the rest. A higher deductible can result in savings, but it’s important to make sure that your deductible is something you can afford at any time.
  • Look for all discount opportunities. If you’re a teen driver and are still in school, are part of a specific organization, or are employed in a particular field, you may be able to qualify for special discounts. Bundling insurance policies, such as home and auto, with one insurer, is also a common discount. Check with your insurance provider for a full list of discounts to see if any may apply to you.

Frequently asked questions

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Editor, Insurance
Reviewed by Expert Reviewer, CFA, CPA