Average Cost of Car Insurance in Arizona


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Key Takeaways

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Car insurance costs can range anywhere from $798 to $5,317 per year on average depending on your chosen coverage, driving profile and location.

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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.

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To secure the cheapest car insurance in Arizona, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.

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Average Car Insurance Cost In Arizona

Arizona drivers pay about $1,628 per year for full coverage car insurance and $798 for minimum coverage, based on a 40-year-old driver with good credit and no driving violations. Your rates will vary depending on your unique profile.

Full Coverage$136$1,628
Minimum Coverage$66$798

*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.

Average Arizona Car Insurance Cost by Category

Car insurance varies widely depending on your unique characteristics, location and car. Here are average rates for common categories of drivers so you can see how pricing can vary.

Young Drivers$162$324
Adult Drivers$66$134
Senior Drivers$94$178
Drivers With An Accident$97$199
Drivers With A DUI$106$217
Drivers With A Speeding Ticket$82$170
Drivers With Bad Credit$146$317
Drivers With Low Income$79$167
Drivers With Newer Cars$77$160
Drivers With Old Cars$57$116

*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.

Personalized Average Arizona Car Insurance Costs

Our general driver categories show basic rates, but your costs will be different. Use our custom table below to see precise estimates for your specific situation.

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100 Full Cov. w/$1,000 Ded.3083693

*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).

Average Arizona Car Insurance Cost by City

Where you live in Arizona plays a big role in your car insurance costs. Annual rates for full coverage range from $565 in Lake Havasu City to $2,174 in Phoenix. Compare both full and minimum coverage rates for your city and other areas across the state below.

Data filtered by:Results filtered by:
Select
City:Aguila
Full Coverage$129$1,547
Minimum Coverage$63$759

*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.

Is Arizona Car Insurance Expensive?

Arizona ranks 39th in affordability for full coverage and 38th overall for minimum coverage policies, placing it as one of the costlier states overall in our 2025 study. However, this is only 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:

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    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. While these increases provide better baseline protection, the $15,000 property damage minimum falls short of covering most new cars, which average $25,000 to $30,000.

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    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 help reduce your liability exposure but also means you might pay partial damages even when you're not primarily at fault.

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    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.

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    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 are required to offer no-deductible glass coverage. However, 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.

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    Extreme heat and weather challenges

    Arizona's desert climate creates unique car challenges. While comprehensive insurance doesn't typically cover heat damage as it's considered normal wear and tear, comprehensive coverage does protect 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.

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    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.

  1. 1

    Decide on Coverage Needs Before Buying

    Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.

  2. 2

    Research 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.

  3. 3

    Look Into Company Reputations and Coverage Options

    Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.

  4. 4

    Compare Multiple Quotes Through Different Means

    Compare quotes from multiple companies to find the best deal possible. 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, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.

Cost of Car Insurance in Arizona: FAQ

Below are answers to frequently asked questions about Arizona car insurance costs:

How much is Arizona car insurance per month?

What factors affect Arizona car insurance costs?

Why is Arizona car insurance so expensive?

How expensive is Arizona car insurance?

How We Determined Arizona Car Insurance Costs

We used the following profile and modifications of this profile to determine Arizona auto insurance costs across all available zip codes and cities in the state:

  • 40-years-old
  • Clean driving record
  • Good credit
  • 2012 Toyota Camry LE

Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.

About Mark Fitzpatrick


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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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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