Average Cost of Car Insurance in Arizona for 2026

Arizona full coverage averages $136 a month ($1,628 a year), 10% above the national average. Minimum coverage averages $66 a month ($798 a year). 

Where you live in Arizona shifts your rate more than other factors — the difference between Phoenix and Tucson runs $40 a month on its own. Your driving record, credit score and age also factor in. Some variables, like coverage level and which companies you quote, you can act on today. Others, like your city and age, move more slowly but still affect what you pay over time.

Arizona car insurance ranges from $66 a month for state minimum liability to $154 a month for 300/500/300 liability with a $1,500 deductible on comprehensive and collision. The standard full coverage benchmark (100/300/100 liability limits with a $1,000 deductible) averages $135 a month.

Sometimes getting the cheapest coverage isn't a smart financial move. In Arizona, adding comprehensive and collision to minimum liability costs about $13 more a month and covers your vehicle against theft, monsoon damage and crash damages. With liability-only insurance, you have to pay out of pocket for all damages to your own car. If you're quoted within $7 of full coverage, just buy full coverage.

Phoenix costs $181 per month for full coverage; Tucson costs $141 — a $40 monthly difference amounting to $480 per year. Phoenix's more expensive rate is a reflection of its dense traffic, high vehicle theft rate (over 23,000 vehicles stolen in 2023, placing it among the top 10 cities in the country) and accident frequency as Arizona's largest metro. Tucson's lower congestion and reduced theft exposure pull its rates lower.

Every city in Arizona's top 10 by population sits above the $136 state average, which means the state average is pulled down by smaller cities not in this table. If your quote is higher than your city's average for a clean-record driver, your company choice is likely the variable to address, not your coverage.

Adding a 16-year-old male to a family policy costs $409 per month ($4,911 per year) in Arizona; a 16-year-old female costs $372 per month ($4,463 per year). Arizona uses gender as a rating factor, so male and female drivers pay different rates at every age — the difference at age 16 is $448 per year.  

Both age and gender affect car insurance rates through the mid-20s. For age-specific breakdowns, see 16-year-old car insurance costs, 17-year-old car insurance costs and 18-year-old car insurance costs.

Use our free calculator to estimate your Arizona car insurance cost based on your age and driver profile.

Arizona does not fully protect drivers from not-at-fault rate impacts. A not-at-fault accident raises full coverage rates in Arizona by $1 per month, from $135 to $136. A speeding ticket raises full coverage to $169 per month, which adds $401 per year. Texting while driving raises rates to $172 per month, an at-fault accident raises rates to $197 per month, and a DUI raises monthly premiums to $216, $964 more per year than the $135 clean-record rate. 

Most violations affect rates for three to five years in Arizona. Some insurers will refuse to renew your policy is there are serious infractions on your record. Drivers with multiple violations can review high-risk car insurance in Arizona for available options.

Drivers with bad credit pay $317 per month for full coverage in Arizona, $183 more per month (or $2,196 per year more) than drivers with excellent credit. Arizona permits insurers to use credit-based insurance scores in pricing policies. Bad credit raises full coverage costs by 137%, the largest single controllable variable on this page. 

Lower-income drivers carry the highest credit-related surcharges and stand to save the most from credit improvement. Improving your credit score is the one factor that reduces premiums over time without changing your coverage or driving behavior.

Full coverage for a Tesla Model Y costs $280 per month in Arizona; the Ford F-150 costs $174 — a $106 monthly difference, or $1,272 per year. Both Teslas cost more than every gas and hybrid vehicle in the table. The Toyota Prius at $199 costs less than the Toyota Camry at $203 — the hybrid runs cheaper than the non-hybrid sedan here. 

Phoenix's position among the top 10 cities in the U.S. for auto theft raises comprehensive premiums for high-value vehicles across the metro, compounding EV insurance costs for Arizona drivers in the Phoenix market. See insurance costs by vehicle for a full comparison.

Seven factors determine what you pay for car insurance in Arizona. Credit score and vehicle choice move rates the most, by $183 per month and $106 per month respectively. Arizona's 17.9% uninsured driver rate (above the 13% national average) and Phoenix's top-10 auto theft volume push the baseline higher for every driver in the state.

Among the six companies shown, full coverage ranges from $83 a month with Travelers to $126 with Progressive — a $43 per month difference that makes shopping worth the time.

No single company offers the lowest rate for every driver. Your credit score, record, age, vehicle and location all shift which carrier prices your profile most favorably. The only way to find out is to compare quotes from at least three companies. See the cheapest car insurance in Arizona for ranked options by driver type.

We used this profile to determine 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

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.