Average cost of car insurance in Arizona in 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

Age and gender rates were calculated by evaluating our base profile for males and females 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. The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.

Driving incident rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Credit-based 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 the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

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).

The average cost of minimum coverage in Arizona is $587 per year, or about $49 per month, according to Bankrate’s analysis of rate data. In Arizona, like most states, drivers are required to carry a minimum amount of liability coverage to legally drive. For bodily injury liability, you must carry at least $25,000 per person and $50,000 per accident in this state. For property damage liability, Arizona requires at least $15,000 in coverage. However, most insurance experts recommend buying more than the minimum in many cases for more financial protection. If you have a loan or lease on your vehicle, you will likely need to buy full coverage.

Drivers with full coverage car insurance in Arizona will pay, on average, about $151 per month for coverage. Minimum coverage costs, on average, are about $49 monthly in the state. How much you’ll pay for car insurance in Arizona per month depends on a variety of factors, including your driving profile, age, claims and driving history, coverage options and the make and model of the vehicle.