How Much Is Car Insurance in Arizona? (2023 Averages)
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Depending on your chosen coverage and driver profile, auto insurance prices can change dramatically. The average cost of auto insurance in Arizona is $1,284 per year but individuals with the minimum amount of coverage pay only approximately $649. Drivers with a violation on their record, as well as those that add a young driver to their policy, will also pay more for car insurance, with premiums costing approximately $1,583 and $3,231 per year, respectively.
Aside from the chosen coverage, your rates will also depend on the provider you select. For example, you could save up to $1,204 by purchasing a policy from GEICO instead of MetLife. The average cost of a GEICO policy is $770 per year, while a MetLife policy costs $1,974 per year.
The Average Cost of Car Insurance in Arizona
MoneyGeek broke down Arizona’s average cost for car insurance based on the factors with the most impact.
The most significant factor affecting car insurance rates in Arizona is age, followed by poor credit score. You can click on each driver profile to know more about its average car insurance rates.
Average Costs of Car Insurance in Arizona
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- DriverAverage Annual PremiumAverage Monthly Premium
- The Average Driver$1,284$107
- Drivers Buying Minimum Coverage$649$54
- Adding a Young Driver$3,231$269
- Drivers With a Violation$1,583$132
- Drivers With Poor Credit$2,495$208
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Why Are Car Insurance Rates Reasonable in Arizona?
Car insurance rates between states vary, and Arizona's are considered moderately priced. It ranks 33rd out of 50 in terms of the cost of car insurance. Several factors contribute to this.
Around 90% of Arizona’s residents live in urban areas, making it 10th in the urban share of the population. It may also explain why highway density in the state is high — Arizona ranks 11th in this metric. The more vehicles there are on the road, the more likely accidents are going to happen.
There is also a moderate portion of Arizona drivers who don’t carry insurance. Around 12% are uninsured, making Arizona 24th among states.
Average Cost of Car Insurance in Arizona: Full Coverage vs. Minimum Coverage
The amount of coverage you purchase may cause car insurance rates in Arizona to vary. Whether you just want liability-only coverage or you add comprehensive and collision insurance to your policy will largely determine whether your rate is higher or lower than the average cost of car insurance in Arizona.
A driver who purchases a policy only meeting the state’s minimum insurance requirements costs $649 per year on average. If you want full coverage car insurance, you’ll have to pay an average of $635 more. It costs around $1,284 yearly.
Average Cost of Car Insurance in Arizona by Coverage Level
The cheapest option for auto insurance is the state-minimum policy in Arizona.
You may choose to purchase additional liability coverage for 50/100/50 or 100/300/100. These figures show the liability coverage limits for your insurance. For example, a liability coverage of 50/100/50 indicates the following:
- $50,000 in bodily injury liability insurance per person
- $100,000 in bodily injury liability insurance per accident
- $50,000 in property damage liability insurance per accident
A full coverage policy includes collision and comprehensive coverage. In addition to standard liability coverage, this also protects against damage to your automobile.
Average Cost of Car Insurance in Arizona By Company
There are differences in policy premiums between different carriers.
In Arizona, GEICO offers the cheapest average rates for both liability-only policies and full coverage car insurance. A GEICO policy meeting Arizona’s minimum insurance requirements costs around $366 per year. They price a full coverage car insurance policy at an average of $770.
Another affordable option is USAA, but their policies are only available to former and present military members and their families.
On the other end of the spectrum is MetLife, which offers the most expensive rates for both. A liability-only policy costs an average of $983, while drivers have to pay $1,974 on average for full coverage car insurance.
Average Annual Costs of Car Insurance in Arizona - By Company
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- CompanyMinimum CoverageFull Coverage
- $366$770
- $383$790
- $506$1,007
- $607$1,096
- $783$1,138
How Much Is Car Insurance in Arizona by Age?
Age is the primary contributing factor for car insurance rates in Arizona.
If you’re a young driver, it may be more cost-effective to join your parents’ insurance policy. In Arizona, full coverage car insurance rates for a 16-year-old average $3,231 per year. First-time drivers, regardless of age, may also get rates similar to young drivers.
In comparison, a 40-year-old driver only has to pay an average of $1,284 per year for similar coverage. That’s a difference of $1,947.
Average Costs of Full Coverage Car Insurance in Arizona - By Age
How Does Driving History Affect Car Insurance Costs in Arizona?
Being a safe driver brings several advantages. Not only are you helping keep the roads of Arizona safe, but you’re also saving money on car insurance premiums.
The average cost of car insurance in Arizona for a driver with a clean record costs $1,284 per year. Having a speeding ticket on your driving record increases your premium by roughly $299 and you’ll have to pay an average of $1,583 each year for car insurance.
Drivers with bad driving records may have varying premiums since car insurance rates in Arizona vary based on the seriousness of their violations.
Average Costs of Full Coverage Car Insurance in Arizona - By Driving History
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- Driving ViolationAnnual Premium
- Safe Driver$1,284
- Speeding Ticket$1,583
- At-Fault Accident$1,869
- DUI$1,898
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Credit Scores and the Cost of Car Insurance in Arizona
Your credit score also plays a part in how much car insurance costs in Arizona.
Drivers with poor credit pay an average of $2,495 per year. That’s $1,274 more than what drivers with good credit scores typically spend on car insurance. They only pay an average of $1,221 each year.
The average cost of car insurance in Arizona is even lower if you have excellent credit. It comes out to $234 cheaper — you’ll only have to pay $988 on average per year.
Average Costs of Full Coverage Car Insurance in Arizona - By Credit Score
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- Credit ScoreAnnual Premium
- Excellent$988
- Good$1,221
- Fair$1,545
- Below Fair$1,891
- Poor$2,495
How Much Is Car Insurance in Your City?
Car insurance premiums don’t just vary between states — they also change within one. For example, drivers who live in Tucson pay an average of $1,167 per year. It is 9.1% lower than the average cost of car insurance in Arizona, which is $1,284.
Meanwhile, the average car insurance rate in Phoenix is $1,430 per year, 11.4% higher than the state average. Typically, factors such as the number of road accidents, occurrences of natural disasters and population density contribute to higher car insurance rates.
Average Costs of Full Coverage Car Insurance in Arizona - By City
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Frequently Asked Questions About Arizona Car Insurance Rates
Here are some of the most commonly asked questions about car insurance rates in Arizona to help you further your understanding of the costs in this state.
About Mark Fitzpatrick
sources
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed September 10, 2021.