Full coverage car insurance in Arizona runs about $1,628 per year, while minimum coverage costs $798 for a 40-year-old driver with solid credit and a clean record. Arizona ranks 39th for full coverage affordability and 38th for minimum coverage nationwide, 12% and 16% above typical rates.
Average Cost of Car Insurance in Arizona
Updated: October 23, 2025
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Key Takeaways
Car insurance costs can range anywhere from $798 to $5,317 per year on average depending on your chosen coverage, driving profile and location.
Arizona ranks as one of the most expensive in the country ranking 38th and 39th overall for minimum and full coverage car insurance affordability respectively.
To secure the cheapest car insurance in Arizona, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Arizona
| Full Coverage | $136 | $1,628 |
| Minimum Coverage | $66 | $798 |
Drivers pay an extra $830 annually, or $69 monthly, to upgrade from liability-only to full protection. Rates vary depending on your specific circumstances, driving experience and coverage preferences.
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Average Arizona Car Insurance Cost by Category
Young drivers experience the steepest rates in Arizona at $324 monthly for full coverage, while older vehicle owners benefit from the lowest at $116 monthly. Personal factors impact your car insurance costs in Arizona.
Drivers with poor credit pay nearly as much as young drivers at $317 for full coverage and $146 for minimum, as insurers use credit as a risk assessment tool. Adult drivers with good records enjoy more moderate premiums at $134 monthly for full coverage and $66 for minimum.
| Drivers With Old Cars | $57 | $116 |
| Adult Drivers | $66 | $134 |
| Drivers With Newer Cars | $77 | $160 |
| Drivers With Low Income | $79 | $167 |
| Drivers With A Speeding Ticket | $82 | $170 |
| Senior Drivers | $94 | $178 |
| Drivers With An Accident | $97 | $199 |
| Drivers With A DUI | $106 | $217 |
| Drivers With Bad Credit | $146 | $317 |
| Young Drivers | $162 | $324 |
Rate differences reflect statistical risk patterns, with urban areas and inexperienced drivers generating higher claim frequencies and costs.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Average Arizona Car Insurance Cost by Company
Travelers offers the best deals in Arizona at $83 monthly for full coverage, while Safeway Insurance commands premium pricing at $126 monthly. Arizona drivers see substantial rate differences between insurance companies, with full coverage ranging from $83 to $126 monthly across popular providers. Smart shoppers can pocket over $500 annually by selecting the right insurer.
| Travelers | $41 | $83 |
| Geico | $51 | $111 |
| State Farm | $52 | $112 |
| Auto Owners | $54 | $111 |
| Safeway Insurance | $56 | $126 |
Average Arizona Car Insurance Cost by City
Geographic location affects Arizona car insurance costs across the state's diverse cities, with monthly full coverage rates spanning from $96 in Lake Havasu City to $181 in Phoenix.
The $85 monthly difference between the cheapest and most expensive cities shows how urban areas command higher premiums due to increased traffic congestion and accident rates. Compare rates for your city below.
Data filtered by:
Aguila
| Full Coverage | $129 | $1,547 |
| Minimum Coverage | $63 | $759 |
Is Arizona Car Insurance Expensive?
Arizona ranks 39th in affordability for full coverage and 38th for minimum coverage policies, making it one of the costlier states in our 2025 study. This is an overall statistic comparing average rates for the entirety of states, and affordability rankings for your city compared to the rest of the United States will vary widely.
Why Is Car Insurance More Expensive In Arizona?
Below we'll explore the reasons for Arizona's high car insurance rates:
Recent minimum coverage increases
Arizona updated its minimum liability requirements in July 2020, increasing coverage to 25/50/15. This means $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. These increases provide better baseline protection, but the $15,000 property damage minimum falls short of covering most new cars, which average $25,000 to $30,000.
Pure comparative fault system
Arizona follows a "pure" comparative fault system, meaning fault and financial responsibility can be shared between drivers based on percentages. If you're found 25% at fault in an accident, you'd be responsible for 25% of the damages while the other driver's insurance covers 75%. This system can reduce your liability exposure but means you might pay partial damages even when you're not primarily at fault.
Above-average insurance costs
Arizona drivers pay above the national average for car insurance. The state ranks among the more expensive states for car insurance due to factors including moderate population density, extreme weather and rising car repair costs.
Frequent glass damage claims
Arizona's extensive highway construction and desert conditions create frequent windshield damage from rocks and debris. Auto glass damage happens so often that Arizona insurers must offer no-deductible glass coverage. Modern windshields with advanced sensors now average $1,200 to $1,500 for replacement, with some high-end cars costing up to $4,000, leading insurers to change how they treat glass claims.
Extreme heat and weather challenges
Arizona's desert climate creates unique car challenges. Comprehensive insurance doesn't cover heat damage as it's considered normal wear and tear, but comprehensive coverage protects against weather-related events like hailstorms, flash flooding and dust storms that are common in the region. Arizona's extreme temperatures can cause tire blowouts, fluid evaporation and air conditioning system strain.
Arizona is one of only 15 states that allows drivers to recover diminished value from the at-fault party's insurance company. This means if your car is damaged in an accident and loses resale value even after proper repairs, you can file a claim to recover that financial loss. This provides additional protection for Arizona drivers whose cars suffer accident damage.
Diminished value recovery rights
How To Lower Car Insurance Costs In Arizona
Below is our step-by-step guide to lowering your car insurance costs.
- 1Decide on Coverage Needs Before Buying
Deciding on your coverage needs helps you avoid buying too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2Research Costs
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3Look Into Company Reputations and Coverage Options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4Compare Multiple Quotes Through Different Means
Compare quotes from multiple companies to find the best deal. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Arizona: Bottom Line
Arizona car insurance costs are among the more expensive in the United States. Take advantage of savings strategies by deciding on your coverage needs beforehand, doing thorough research and comparing quotes from the right insurers.
Cost of Car Insurance in Arizona: FAQ
We answer common questions about Arizona car insurance costs:
How much is Arizona car insurance per month?
Arizona car insurance costs $66 for minimum coverage and $136 for full coverage policies. Rates range from $57 to $324 monthly, depending on your unique driver profile and coverage choice.
What factors affect Arizona car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or who are young pay higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage impact premiums, along with factors like gender and marital status in some states.
Why is Arizona car insurance so expensive?
Arizona recently increased minimum coverage requirements in 2020 to 25/50/15, though property damage limits often fall short of covering new cars. The state experiences frequent windshield damage from desert conditions and construction debris. Arizona follows a pure comparative fault system and allows diminished value recovery. Rates average $1,628 annually for full coverage, slightly above national averages.
How expensive is Arizona car insurance?
Arizona ranks 38th in affordability for minimum coverage and 39th overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Arizona Car Insurance Costs
Arizona drivers need accurate cost comparisons to find affordable coverage. We used the following profile and modifications to determine Arizona auto insurance costs across all available zip codes and cities in the state: 40-years-old, clean driving record, good credit and 2012 Toyota Camry LE.
Minimum coverage was defined as 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 Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
