Updated: May 30, 2026
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Extreme heat, monsoon storms and one of the nation's highest uninsured driver rates make Arizona more expensive than most states for car insurance.
Your age and location are fixed factors that will continue affecting your rates over time, but understanding how they work helps you budget and plan for future changes.
Jump to factors you can control today:
Jump to factors that are fixed (for now):
Car insurance in Arizona ranges from $66 per month for minimum coverage to $136 per month for full coverage. Drivers in Arizona pay $72 more annually than the national average for minimum coverage and $135 more per year for full coverage.
| Minimum Coverage | $66 | $60 | $798 | $726 |
| Full Coverage | $136 | $124 | $1,628 | $1,493 |
38 states have cheaper full coverage than Arizona, which ranks 39th for affordability at $136 per month. Arizona sits between Georgia at $135 per month and Michigan at $138 per month, putting it in the more expensive half nationally. While not the priciest option compared to states like Florida at $243 per month, Arizona drivers pay more than most other states for full coverage.
| Vermont | $75 | $902 | 1 |
| Georgia | $135 | $1,620 | 38 |
| Arizona | $136 | $1,628 | 39 |
| Michigan | $138 | $1,652 | 40 |
| Florida | $243 | $2,912 | 51 |
Arizona has one of the highest rates of uninsured drivers in the country, which pushes up the cost of uninsured motorist coverage for everyone else. The state's DUI rate also adds to elevated risk pools that insurers build into their pricing.
Phoenix consistently ranks among the top 10 cities nationally for auto theft, with over 23,000 vehicles stolen in 2023 alone. That crime rate drives comprehensive coverage premiums higher across the metro area.
The desert Southwest is hit by extreme weather events each year, resulting in millions in annual insurance payouts. These seasonal patterns create predictable spikes in comprehensive and collision claims that insurers factor into year-round rates.
Arizona's rapid population growth has packed millions of residents into the Phoenix and Tucson metro areas, which increases traffic density and accident frequency. High-risk and lower-income drivers often pay more due to these combined risk factors (see city rates below).
Travelers offers the lowest full coverage rate in Arizona at $83 per month, making it the most affordable option for drivers in the state. GEICO and Auto-Owners tie for second place at $111 per month each, while Progressive tops out at $126 per month for the same coverage. Shopping around can save Arizona residents up to $43 per month on their car insurance premiums. These rate differences reflect real savings opportunities since all quotes use identical driver profiles for accurate comparisons.
Read more: Cheapest and Best Car Insurance Companies in Arizona
| Travelers | $41 | $83 | $495 | $993 |
| Geico | $51 | $111 | $607 | $1,334 |
| State Farm | $52 | $112 | $619 | $1,341 |
| Auto Owners | $54 | $111 | $652 | $1,330 |
| Safeway Insurance | $56 | $126 | $677 | $1,510 |
| Progressive | $78 | $126 | $931 | $1,506 |
Rates vary so much between companies because each insurer uses its own formula to weigh risk factors like your driving record, age, location and vehicle. A company with thousands of policyholders across Arizona prices driver profiles differently than one with a few hundred local customers, based on its own claims experience. Some carriers target clean-record drivers and price aggressively for low-risk profiles. Others specialize in higher-risk drivers who've had accidents or violations. Your cheapest option depends entirely on how your profile fits each company's target customer. Compare quotes directly to find your best rate.
Coverage level alone can move your monthly premium by $88 in Arizona, from $66 for minimum liability to $154 for the highest tier available. State minimum liability costs $66 per month, which covers only the legal requirements for bodily injury and property damage to others. Adding comprehensive and collision coverage with a $1,000 deductible brings your monthly cost to $79, $13 more per month for protection that covers damage to your own vehicle from accidents, theft, vandalism and weather.
The most expensive coverage tier costs $154 per month for 300/500/300 liability limits plus comprehensive and collision with a $1,500 deductible. This higher cost comes from the increased liability protection rather than the deductible amount, showing that boosting your liability limits often costs more than lowering your deductible on comprehensive and collision coverage.
| Minimum Liability Only | $66 | $797 |
| Min. liab. + comp/coll ($1,000 ded.) | $79 | $949 |
| Min. liab. + comp/coll ($2,000 ded.) | $104 | $1,253 |
| Min. liab. + comp/coll ($250 ded.) | $128 | $1,540 |
| 50/100/50 liability + comp/coll ($500 ded.) | $130 | $1,561 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $135 | $1,622 |
| Min. liab. + comp/coll ($0 ded.) | $148 | $1,774 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $154 | $1,846 |
Your deductible is the amount you pay out of pocket before insurance pays out after an accident. A higher deductible lowers your monthly premium. A lower deductible means you'll pay more each month. The deductible only applies when you file a claim for comprehensive or collision coverage.
Arizona requires drivers to carry at least 25/50/15 coverage: $25,000 in bodily injury liability per person, $50,000 per accident and $15,000 in property damage liability per accident. Minimum coverage doesn't include comprehensive or collision protection for your own vehicle.
For example, the policy titled "100/300/100 liability + comp/coll ($1,000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need.
Car insurance rates vary by $40 per month across Arizona's 10 most populous cities, a $480 annual gap. Phoenix drivers pay the highest full coverage rates at $181 per month, 33% above the state average of $136. Glendale is close behind at $178. Tucson has the lowest full coverage rate at $141 per month. Surprise is second at $148. Your ZIP code directly affects what you'll pay for the same coverage.
| Phoenix | $181 | $90 |
| Glendale | $178 | $89 |
| Peoria | $171 | $89 |
| Tempe | $163 | $83 |
| Chandler | $158 | $81 |
| Mesa | $156 | $79 |
| Gilbert | $156 | $80 |
| Scottsdale | $151 | $75 |
| Surprise | $148 | $74 |
| Tucson | $141 | $70 |
Phoenix's $181 monthly rate reflects the city's dense traffic, high vehicle theft rate and accident volume as Arizona's largest metro. Tucson's roads are less congested and its theft rate is lower, which pulls the average full coverage rate down to $141 per month, $480 less per year than Phoenix.
Adding a 16-year-old to a family policy in Arizona costs $8,186 per year for males and $7,438 for females, creating a $748 annual difference between genders. Both age and gender affect car insurance rates in the state, with teen males with the highest premiums.
A 16-year-old male driver saves $2,653 annually by staying on a family policy instead of purchasing individual coverage at $10,839 per year. Car insurance rates drop steadily as young drivers gain experience through their early twenties, then level off around age 25.
| 16 | $10,839 | $8,186 |
| 17 | $8,574 | $7,594 |
| 18 | $7,541 | $7,076 |
| 19 | $5,229 | $6,510 |
| 20 | $4,667 | $6,212 |
| 21 | $3,584 | $5,753 |
| 22 | $3,320 | $5,544 |
| 23 | $3,004 | $5,271 |
| 24 | $2,836 | $5,128 |
| 25 | $2,603 | $4,519 |
Use our free calculator to estimate your Arizona car insurance cost based on your driver profile.
Your driving record is fixed in the short term, but violations don't last forever. Drivers with a clean record pay $135 per month for full coverage in Arizona. A speeding ticket raises that to $169, a 25% jump worth $401 more per year. Most violations affect your rates for three to five years, though the timeframe varies by violation type.
A DUI conviction carries the highest surcharge at $216 per month, a 60% increase and $964 more per year than a clean record. Violations raise rates because they signal higher risk to insurers, who respond by increasing premiums for high-risk drivers.
| Clean Record | $135 | $1,622 | — |
| Accident (not at fault) | $136 | $1,634 | 1% |
| Speeding | $169 | $2,023 | 25% |
| Texting While Driving | $172 | $2,059 | 27% |
| Accident (at fault) | $197 | $2,369 | 46% |
| DUI | $216 | $2,586 | 60% |
Poor credit raises full coverage costs 137% in Arizona, from $134 per month to $317, an extra $2,196 per year. Improving your credit score is one of the few rate factors fully in your control. Lower-income drivers often pay the highest credit-related surcharges, so the savings from better credit can be substantial for that group.
| Good Credit | $66 | $134 |
| Bad Credit | $146 | $317 |
| Difference | $80 | $183 |
Before your next purchase, understand how insurance costs by vehicle to help you budget for coverage. The Ford F-150 is the most affordable vehicle to insure in Arizona at $174 per month for full coverage. The Tesla Model Y is the most expensive at $280, a $1,272 annual gap. The Honda Civic runs $181 per month and the Toyota Camry $203, both mid-range for the state.
Electric vehicles cost more to insure because parts and repairs are pricier. The Tesla Model Y's battery pack, advanced sensors and proprietary components require specialized technicians, which push repair costs and premiums higher than those of conventional vehicles.
| Ford F-150 | $93 | $1,122 | $174 | $2,089 |
| Honda Civic | $97 | $1,168 | $181 | $2,175 |
| Honda Accord | $100 | $1,202 | $187 | $2,240 |
| Toyota Prius | $107 | $1,280 | $199 | $2,389 |
| Toyota Camry | $109 | $1,310 | $203 | $2,440 |
| Toyota Rav4 | $111 | $1,335 | $207 | $2,490 |
| Tesla Model 3 | $128 | $1,533 | $238 | $2,860 |
| Tesla Model Y | $150 | $1,799 | $280 | $3,354 |
Your city, age, driving record and coverage level all influence what you'll pay for car insurance in Arizona. Any one of them can shift your annual premium by hundreds of dollars.
Arizona car insurance ranges from $66 per month for minimum coverage to $136 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage selection.
Arizona's uninsured motorist rate of 17.9% compared to the national average of 13% drives up premiums for all drivers. Severe monsoon storms and haboobs create costly comprehensive claims, while rapid urban growth in Phoenix and Tucson increases collision frequency and insurance fraud rates.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
