How Much Is Car Insurance in Arizona? (2023)

Several factors influence how much your car insurance will cost. These include your chosen provider, age, location, coverage level, driving history, credit score and the number of drivers on your policy.

Root Insurance offers the lowest rates for middle-aged drivers in Arizona at around $682 per year, while The General charges the most expensive premium of $2,560 per year, resulting in a substantial difference of $1,878 between the two providers.

In Arizona, the average cost of car insurance is $1,078 per year or $90 per month for full coverage. The most important factors in determining your rates are your policy's coverage amount and driving record. Below is what Arizona drivers can expect to pay for full coverage, on average, based on their driving records:

• Clean record: $1,078 per year
• Speeding ticket: $1,431 per year
• At-fault accident: $1,726 per year
• DUI: $1,790 per year

Drivers with clean records enjoy significantly cheaper annual rates at $506 for minimum coverage. However, opting for minimum coverage means you won't receive the same level of protection provided by a full coverage policy.

Arizona's average annual car insurance cost of $1,078 is moderately expensive, falling close to the national average of $1,054 per year. Possible reasons behind Arizona's moderate car insurance rates include medium traffic density, lower urban population density, the presence of affordable insurers and lower vehicle theft rates. Personal factors like your age or driving history may contribute to expensive car insurance premiums in Arizona.

Rates tend to vary significantly between companies, so averages could be misleading when comparing car insurance costs. For instance, Mercury offers the cheapest car insurance in Arizona, with a minimum coverage policy priced at $305 per year ($1,014 per year for full coverage). The General offers the highest premiums, with rates reaching $1,251 yearly ($2,560 per year for full coverage).

Liability-only policies are cheaper than full coverage plans with any given provider. However, finding cheap full coverage insurance is still possible by shopping around and comparing premium costs.

The average cost of car insurance in Arizona varies considerably — ranging from $514 per year for minimum coverage to $1,292 for the highest coverage possible. Insurance costs tend to go up as you increase your liability limits. Adding comprehensive and collision insurance can also drive up your annual premiums by several hundred dollars each year. You may want to consider raising your deductible to reduce your insurance rates. However, remember that this means you'll have to pay more out-of-pocket in the event of an accident.

A minimum coverage policy is usually the cheapest form of auto insurance you can buy. Minimum coverage car insurance in Arizona features the lowest liability limits and doesn’t include comprehensive or collision protection.

Insurers often offer policies with increased liability limits, which are shortened to 50/100/50 100/300/100. A policy with liability limits of 50/100/50 means you’ll receive the following coverage:

• $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

Most insurers offer a maximum of 300/500/300 in liability coverage. Keep in mind that liability insurance only covers damage or injuries to others. If you want to be covered against damages to you or your vehicle, you’ll also need to purchase comprehensive and collision insurance with your policy to secure full coverage and peace of mind.

Your age can be a significant factor in determining car insurance costs for new drivers. Below is the average cost of a full coverage policy in Arizona by age group:

• 22–29: $1,383 per year
• 30–59: $1,078 per year
• 60+: $1,045 per year

Generally, young adults pay higher rates than middle-aged and senior drivers. Rates typically level out between the ages of 30 to 60, with only slight changes as drivers enter their senior years. However, new drivers over 30 may face similar rates to drivers in their 20s.

Teen drivers are the most expensive age group to insure in Arizona. For instance, a 16-year-old male with an individual plan pays an average of $6,025 annually. It's much cheaper to add your teen to a family plan, costing only $3,028 annually. These are average rates, and actual costs can vary widely among insurers.

As teens age and gain more experience on the road, insurance costs tend to ease up. We found that a 19-year-old male on a family plan pays an annual average of $2,211, while a 22-year-old spends $1,823 per year for full coverage. We've listed our top recommendations for cheap auto insurance in Arizona for teens to help you find the most affordable options.

Insuring a new car in Arizona costs an annual average of $1,306, while an older vehicle only costs $1,136 per year, reflecting a 15% difference. New cars have higher actual cash values (ACV), making them more expensive to insure. Insurers charge higher premiums for new cars due to their increased risk of theft and higher repair costs.

MoneyGeek recommends that drivers of newer vehicles with higher actual cash values opt for full coverage auto insurance to ensure they are protected against car damage.

Compared to drivers with clean records, those with a history of traffic offenses face higher rates. You can expect to pay the following rates in Arizona, on average:

• Clean record: $1,078 per year
• Speeding ticket: $1,431 per year
• At-fault accident: $1,726 per year
• DUI: $1,790 per year

The severity of the violation committed usually correlates with the increase in insurance costs. For example, a DUI can raise your insurance premium more than a speeding ticket. Comparing rates from multiple providers can help Arizona drivers with poor records find affordable car insurance.

Your credit score has a major impact on your car insurance cost. On average, drivers in Arizona with poor credit pay $1,958 per year, whereas someone with excellent credit only pays $733 per year. Below are the average costs that Arizona drivers should expect to pay for full coverage based on their credit scores:

• Excellent: $733 per year
• Good: $953 per year
• Fair: $1,202 per year
• Below fair: $1,513 per year
• Poor: $1,958 per year

Some insurance companies consider drivers with poor credit scores to be likelier to file claims; as a result, they may charge them higher premiums. We recommend shopping around to find the cheapest insurers in Arizona for drivers with poor credit.

Where you live in Arizona can greatly impact your car insurance rates. For instance, drivers in Phoenix pay an annual average of $1,360 for full coverage, which is $282 higher than the state average of $1,078, while drivers in Tucson pay an average of $1,087 per year for full coverage, which is $9 more than the state average. Generally, car insurance is more expensive in cities with denser populations or higher car theft rates.

Since it's common to have concerns about car insurance costs in Arizona, MoneyGeek answered some commonly asked questions to give you a better sense of which insurance provider might be best for you.