Drivers in Arizona are required to carry a minimum amount of car insurance in order to legally operate their vehicle. Arizona drivers can expect to pay an average of $555 annually for minimum coverage and $1,547 annually for full coverage. However, car insurance rates are personalized based on factors like age, credit score and city.
Dozens of car insurance companies sell full and minimum coverage policies to Arizona drivers. If you are shopping for car insurance in Arizona, it can be helpful to understand the various factors that will impact the cost of your premium to avoid surprises.
How much does car insurance cost in Arizona?
Currently, the average annual cost of car insurance in the United States is $565 for minimum coverage and $1,674 for full coverage – very similar to what Arizona drivers pay. Arizona drivers pay an average of $555 per year for minimum coverage and $1,547 per year for full coverage.
Keep in mind that car insurance companies look at a lot of personal data points to determine the cost of a premium. These include such things as:
- Age
- Gender
- Driving history
- Where you live
- Type of car
- Marital Status
- How often you drive
- Type of coverage
- Credit score
Therefore, the cost each driver pays for car insurance is unique. What you pay may be lower or higher than the state average.
Arizona car insurance rates by company
Generally, the bigger the population, the more accidents are going to occur. This is why residents in large cities often pay hundreds of dollars more for car insurance than drivers in rural areas.
In the table below are the average annual costs for a full policy for the top 20 cities in Arizona based on population. The percentage increase is based on an average annual price of $1,547 per year.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| AAA | $456 | $1,433 |
| ACCC Insurance | $597 | $1,477 |
| Allstate | $554 | $1,701 |
| American Family | $685 | $1,288 |
| Country Financial | $611 | $2,106 |
| Farmers | $601 | $1,344 |
| Geico | $326 | $916 |
| Hallmark Financial | $551 | $1,745 |
| Iowa Farm Bureau | $554 | $1,212 |
| Mercury | $380 | $1,274 |
| MetLife | $822 | $2,024 |
| MGA | $879 | $2,423 |
| Nationwide | $405 | $1,110 |
| Progressive | $650 | $1,472 |
| QBE | $410 | $1,152 |
| Safeway | $834 | $2,453 |
| State Farm | $523 | $1,232 |
| The Hartford | $506 | $1,257 |
| Travelers | $443 | $1,127 |
| USAA | $450 | $1,288 |
Arizona car insurance rates by city
The bigger a population, the more accidents that are going to occur. This is why residents in large cities often pay hundreds of dollars more for car insurance than drivers in rural areas.
In the table below are the average annual costs for a full policy for the top 20 cities in Arizona based on population. (Note: The percentage increase is based off of an average annual price of $1,547 per year.)
| City | Average annual premium for full coverage | % increase in average annual premium |
|---|---|---|
| Phoenix | $1,904 | 23% |
| Tucson | $1,591 | 3% |
| Mesa | $1,657 | 7% |
| Chandler | $1,589 | 3% |
| Glendale | $1,853 | 20% |
| Scottsdale | $1,673 | 8% |
| Gilbert | $1,622 | 5% |
| Tempe | $1,671 | 8% |
| Peoria | $1,696 | 10% |
| Surprise | $1,574 | 2% |
| Yuma | $1,439 | -7% |
| San Tan Valley | $1,640 | 6% |
| Avondale | $1,788 | 16% |
| Goodyear | $1,610 | 4% |
| Casas Adobes | $1,517 | -2% |
| Flagstaff | $1,361 | -12% |
| Lake Havasu City | $1,232 | -20% |
| Buckeye | $1,623 | 5% |
| Casa Grande | $1,531 | -1% |
| Catalina Foothills | $1,546 | 0% |
Arizona car insurance rates by age
Because younger drivers are statistically more likely to get into an accident, insurance providers charge these drivers more for a policy.
In the table below, you will see the average annual car insurance rates in Arizona based on age. As you will see, there is a steady decrease in cost the longer you drive – assuming there are not any major driving incidents like a speeding ticket or DUI.
| Age | Average annual premium in Arizona |
|---|---|
| Age 16 | $2,711 |
| Age 17 | $2,421 |
| Age 22 | $2,515 |
| Age 25 | $1,953 |
| Age 30 | $1,770 |
| Age 35 | $1,713 |
| Age 40 | $1,651 |
*16-year-old and 17-year-old calculated on parent’s policy disclosure
Arizona car insurance rates by driving record
Arizona auto insurance rates are greatly affected by your driving history. Take a look at the table below to see just how much you can expect your premium to rise after each offense. As you will see, the cost increase can be significant.
| Driving incident | Average annual full coverage premium in Arizona | % increase in average annual premium |
|---|---|---|
| Speeding ticket | $2,006 | 30% |
| Accident | $2,199 | 42% |
| DUI | $3,092 | 35% |
How to save on car insurance in Arizona
To save on your Arizona car insurance rates, there are a few tactics you can try.
- Increasing your deductible: Though this will decrease your pay-out should you get into an accident, it may also decrease your monthly bill. Your insurance provider may offer a few different options so speak with an agent to make sure you understand each one.
- Discounts: Most national providers offer multiple discount options to decrease your premium. A quick and easy one is to take a defensive driving course. Though it may cost you a little bit of money, it may provide a discount (depending on your provider) and, if so, will hopefully pay for itself after a few months.
- Shop around: Not all insurance providers are created equal. Moreover, not all insurance providers use the same pricing algorithm. One company may increase your premium a lot because of your credit score, while another may not increase it by as much.
- Drive an older car: New cars cost more, and because of this they cost more to insure. To save money, drive an older car with a high safety rating.
- Increase your credit score: Though you won’t be able to do this overnight, increasing your credit score will help you save on your car insurance. This is because people with lower credit scores are statistically more likely to file a claim.
Arizona car insurance requirements
All drivers must have a 25/50/15 policy in Arizona. Written out, this means that should you get into an accident and be found to be at fault, your insurance provider must cover up to:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 for property damage
Insurers are also required to offer uninsured/underinsured motorist coverage.
While these amounts may seem like a lot of money, they are often not after a serious accident, especially when it comes to property damage. In today’s world, $15,000 does not cover the price of a new car, as many new cars cost well over $30,000.
Many lenders and dealerships require full coverage if you plan to lease or finance a new car. Keep this in mind while rate shopping for car insurance rates in Arizona. The cheapest provider for minimum coverage may not be the cheapest provider for full coverage.
Frequently asked questions
Is uninsured motorist coverage required in Arizona?
No, it is not required, but insurance companies are required to offer it. The minimum they must offer is 25/50 ($25,000 per person for bodily injury and up to $50,000 per accident).
Is Arizona a no-fault state?
No, Arizona is a tort state, which means that the person who caused the accident is financially responsible for all damages.
What is the best car insurance company in Arizona?
The best car insurance company in Arizona varies. It depends on factors like what type of coverage you need, what discounts you qualify for and how much you can afford for a monthly premium. To find the best provider for you, do some research to find providers that meet your coverage needs, then get a few different quotes to see which company can offer the best rate.
How do I get a car insurance quote in Arizona?
Getting a car insurance quote in Arizona is fairly simple, especially because most companies offer instant online rates. You will be asked to provide some personal information, as well as information about your car, like the make, model, year and VIN number. Some car insurance companies will also ask for your social security number, occupation and history of traffic violations.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
To determine alternate rates, our base profile has been adjusted for the following scenarios:
- Driving history: 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.
- Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to a 40-year-old married couple’s policy. The rates displayed reflect the added cost to the parents’ policy.
These are sample rates and should only be used for comparative purposes.
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