The average cost of car insurance in Arizona is $1,547 per year, or about $129 per month, for full coverage. To determine this, Bankrate conducted a study of full coverage rates, obtained from Quadrant Information Services, for 345 ZIP codes in the Grand Canyon state.
The national average cost of full coverage is $1,674 per year, so Arizona drivers pay an average annual amount $127 less than drivers in the nation as a whole. However, there are many factors that can affect Arizona car insurance rates, including your age, driving history, claim history, the type of vehicle you own and what coverage and levels you choose. 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.
How much is car insurance in Arizona?
Arizona drivers pay an average of $1,547 for full coverage per year. 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.
Arizona car insurance rates
| Average annual minimum coverage premium | Average annual full coverage premium |
|---|---|
| $555 | $1,547 |
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.
| City | Average annual full coverage premium | % difference from Arizona average |
|---|---|---|
| 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% |
Arizona car insurance rates by company
Every car insurance company in Arizona has its own unique rating algorithm to determine 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.
| Car insurance company | Average annual full coverage premium |
|---|---|
| AAA | $1,433 |
| ACCC Insurance | $1,477 |
| Allstate | $1,701 |
| American Family | $1,288 |
| Country Financial | $2,106 |
| Farmers | $1,344 |
| Geico | $916 |
| Hallmark Financial | $1,745 |
| Iowa Farm Bureau | $1,212 |
| Mercury | $1,274 |
| MGA | $2,423 |
| Nationwide | $1,110 |
| Progressive | $1,472 |
| QBE | $1,152 |
| Safeway | $2,453 |
| State Farm | $1,232 |
| The Hartford | $1,257 |
| Travelers | $1,127 |
| USAA | $1,288 |
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.
| Age | Average annual full coverage premium in Arizona |
|---|---|
| Age 16* | $2,711 |
| Age 18* | $4,824 |
| Age 20* | $3,388 |
| Age 25 | $1,953 |
| Age 30 | $1,770 |
| Age 40 | $1,547 |
| Age 50 | $1,500 |
| Age 60 | $1,440 |
| Age 70 | $1,601 |
*16-year-old calculated on parent’s policy disclosure; 18- and 20-year-old are renters
Arizona car insurance rates by gender
Your gender can also impact Arizona auto insurance rates. Generally, men pay for more car insurance than women, because men are statistically more likely to engage in risky driving behaviors. However, the rates below are for male and female drivers in Arizona at age 40, and women pay slightly more than men at that age. At other ages, men tend to pay more than women.
| Average annual full coverage premium | |
|---|---|
| Male | $1,528 |
| Female | $1,566 |
Arizona car insurance by credit score
Your credit rating can impact your car insurance rates in Arizona as well. Although the cause may not seem immediately apparent, a statistical link exists between credit rating and the likelihood of filing a claim. Drivers with poor credit are more likely to file claims, so insurance companies generally charge higher rates to compensate for the increased risk.
Average annual full coverage rate by credit score
| Poor | Average | Good | Excellent | |
|---|---|---|---|---|
| National average | $3,873 | $1,865 | $1,674 | $1,487 |
| Arizona | $2,804 | $1,764 | $1,547 | $1,423 |
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 | $1,547 | – |
| Speeding ticket | $2,058 | 33% |
| Accident | $2,228 | 44% |
| DUI | $3,056 | 98% |
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.
| Vehicle | Average annual full coverage premium |
|---|---|
| Toyota Camry | $1,547 |
| Ford F-150 | $1,445 |
| Honda Odyssey | $1,430 |
Frequently asked questions
What is the average cost of minimum coverage in Arizona?
Minimum coverage costs an average of $555 per year in Arizona. “Minimum coverage insurance” refers to buying only the state mandated coverage types and levels. In Arizona, you are legally required to carry at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $15,000 property damage liability per accident. Most insurance professionals recommend that you purchase higher liability limits for more protection. If you have a loan or lease on your vehicle, you will likely need to buy full coverage.
How much is car insurance in Arizona per month?
Full coverage in Arizona costs an average of $1,547 per year, or about $129 per month. Minimum coverage averages $555 per year, which is roughly $46 per month. Keep in mind that your premium will likely vary from the average based on factors like your age, gender, the company you choose and the type of car you drive.
How do I save on car insurance costs in Arizona?
Arizona drivers might be able to save on coverage by shopping around and taking advantage of discounts. Because each company uses a different rating model, rates vary between insurance providers. Getting multiple quotes could help you find cheaper coverage. Additionally, most major insurance companies offer at least a few discounts that could help you lower your premium.
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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 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: 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. For teens, 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. Based on quoted annual premiums, it does not appear Hawaii uses age as a contributing factor.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.
Credit: 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. The following states do not allow credit to be a factor in determining auto insurance rates: California, Hawaii, Massachusetts, Michigan, Washington.
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.
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