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Average cost of car insurance in Arizona for 2023

Updated Jan 12, 2023
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The 2022 average cost of full coverage car insurance in Arizona is $1,743 per year, or about $145 per month, according to Bankrate’s analysis of average rate data from Quadrant Information Services for 345 ZIP codes in the Grand Canyon state. But when shopping for car insurance in Arizona, many factors can determine your final premium, including the coverage you choose, driving record and more. Understanding average car insurance rates in Arizona and how they compare to national and regional average rates might help you find the right provider for your needs.

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Key takeaways
  • The average cost of full coverage car insurance in Arizona is about on par with the national average, which is $1,771 per year.
  • Drivers in Arizona pay about 20% less for full coverage car insurance than the drivers in California, but about 17% more than drivers in New Mexico.

How much does car insurance cost in Arizona?

Based on Bankrate’s 2022 study of car insurance rates sourced from Quadrant Information Services, Arizona drivers pay an average of $1,743 for full coverage per year, and $579 per year for minimum coverage car insurance. Both rates are about on par with the national average cost of car insurance. However, there are numerous rating factors that impact how much you’ll pay. The biggest of these include where you live within Arizona and the types and level of coverage you choose. The car insurance company you pick, your age, gender, credit score, driving history and vehicle type will also affect your premium.

Average annual minimum coverage premium Average annual full coverage premium
$579 $1,743

Arizona car insurance rates by city

The city you live in plays a large role in how much you pay for car insurance. The cost of medical care in a given city can impact how much bodily injury liability coverage and medical payments coverage costs, and the cost for vehicle repairs can impact the premium for property damage liability, comprehensive and collision coverage. Generally, larger cities have higher costs of living, and thus higher average car insurance rates. For this reason, car insurance in larger cities like Phoenix and Glendale tends to be more expensive compared to the state average, especially when compared to smaller cities like Tucson and Chandler.

City Average annual minimum coverage premium Average annual full coverage premium
Chandler $595 $1,687
Gilbert $602 $1,704
Glendale $699 $2,020
Mesa $611 $1,748
Peoria $620 $1,810
Phoenix $708 $2,064
Scottsdale $607 $1,752
Surprise $563 $1,690
Tempe $628 $1,782
Tucson $549 $1,666

Arizona car insurance rates by insurance company

Every car insurance company in Arizona has its own unique rating algorithm to determine its own risk profile and calculate how much you’ll pay for car insurance. Because of this, rates for the same amount of coverage will vary by provider. The providers below are the top 19 car insurance companies by market share in Arizona. As you can see, rates are quite a bit different.

AAA
Average annual minimum coverage premium
$659
Average annual full coverage premium
$1,768
ACCC Insurance
Average annual minimum coverage premium
$648
Average annual full coverage premium
$1,580
Average annual minimum coverage premium
$480
Average annual full coverage premium
$2,566
Average annual minimum coverage premium
$1,058
Average annual full coverage premium
$2,876
Average annual minimum coverage premium
$541
Average annual full coverage premium
$1,999
Average annual minimum coverage premium
$710
Average annual full coverage premium
$1,833
Average annual minimum coverage premium
$294
Average annual full coverage premium
$948
Iowa Farm Bureau
Average annual minimum coverage premium
$546
Average annual full coverage premium
$1,346
Average annual minimum coverage premium
$420
Average annual full coverage premium
$1,294
Average annual minimum coverage premium
$553
Average annual full coverage premium
$1,520
Average annual minimum coverage premium
$532
Average annual full coverage premium
$1,636
Safeway
Average annual minimum coverage premium
$775
Average annual full coverage premium
$2,378
Average annual minimum coverage premium
$746
Average annual full coverage premium
$2,108
Average annual minimum coverage premium
$496
Average annual full coverage premium
$1,516
Average annual minimum coverage premium
$369
Average annual full coverage premium
$1,181
Average annual minimum coverage premium
$398
Average annual full coverage premium
$1,301
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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.

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.

Arizona car insurance rates by age

Car insurance companies also use age as a rating factor, with younger drivers tending to pay the most for insurance and drivers between the ages of 50 and 60 having the cheapest average rates. Teens pay among the highest rates; their inexperience lends itself to a higher risk for accidents. Elderly drivers may also see their rates begin to rise again, because age-related impairments can affect driving habits. The tables below show average car insurance rates for a range of age groups. All profiles are based on drivers with a clean driving record.

Average cost of car insurance for drivers on their parent’s policy

Adding a new and young driver to your car insurance policy can be expensive. Young drivers lack the years of experience behind the wheel compared to older drivers, and may make more reckless decisions. Still, when it comes to car insurance for teens, there are still ways to save.

Consider specific car insurance discounts for young drivers and even trying out a telematics program to help with building safe driving habits.

Age Average annual premium for full coverage in Arizona
Age 16 $4,044
Age 17 $3,798
Age 18 $3,514
Age 19 $3,263
Age 20 $2,807

Average cost of car insurance for drivers on their own policy

Once young adult drivers have their own separate policy, they still could be paying higher premiums compared to middle-age drivers, but the cost is significantly lower compared to a newly licensed 16-year-old driver in Arizona. Average car insurance rates for each subsequent age demographic also continues to decline, but actual rates could vary due to various car insurance rating factors and the amount of claims an insurance company may have experienced.

Age Average annual premium for full coverage in Arizona
Age 18 $5,358
Age 25 $2,075
Age 30 $1,863
Age 40 $1,743
Age 60 $1,553

Arizona car insurance rates by driving record

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 are more likely to cause accidents and file claims in the future. However, every car insurance company calculates rates differently, so you may be able to shop around and find a cheaper policy if you have recently seen a rate increase due to your driving record. Understanding the average cost increase associated with various driving incidents might help you know if your policy premium is within a normal range.

Driving incident Average annual full coverage premium in Arizona % increase of average annual premium
Clean driving record $1,743 0%
Speeding ticket $2,216 27%
Accident $2,504 44%
DUI $3,379 94%

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 vehicle make and model comes with its own statistical crash data, price of parts and labor and safety features. The vehicles below could fit a variety of lifestyles and budgets, and give an idea of how much car insurance might cost.

Vehicle Average annual full coverage premium
BMW 330i $2,443
Ford F-150 $1,618
Honda Odyssey $1,594
Toyota Prius $1,844

How to save on car insurance in Arizona

Average car insurance costs in Arizona might be close to the national average, but there may be opportunities to save a little bit more money. 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.
  • Use 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.
  • Understand your deductible. If you have comprehensive and collision coverage in your 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 employed in a particular field, you may be able to qualify for special discounts. Check with your insurance provider for a full list of discounts to see if any may apply to you.

Estimate your car insurance cost in Arizona

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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

Incident: 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).

Written by
Lauren Ward
Insurance Contributor

Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry.

Edited by Insurance Editor
Reviewed by Senior wealth manager, LourdMurray