How Much is Car Insurance in Arizona? Rates by Coverage Level, Age, Driving History and Location

Compared to the national average, the $1,284 annual average cost of car insurance in Arizona is roughly average. It ranks 33rd among all states for auto insurance affordability. MoneyGeek breaks down Arizona’s average rate based on various factors such as age, driving record, coverage level and credit score.

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Based on a sample driver profile of a 40-year-old man with full coverage car insurance and good credit, Arizona’s average cost of car insurance is $1,284 per year or $107 per month. But premium prices can change based on particular characteristics.

For example, if the same driver bought a policy only meeting Arizona’s minimum insurance requirements, the rate decreases to an average of $649. In comparison, if a 16-year-old purchases a full coverage policy, the annual premium becomes $3,231 on average.

To give you a better idea of how car insurance rates in Arizona vary, MoneyGeek broke down the averages using several factors.

Average Cost of Car Insurance in Arizona: Summary

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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Why Are Car Insurance Rates Average 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

Minimum vs. Full Coverage Car Insurance Costs 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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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

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  • Age
    Annual Premium
  • $3,231
  • $2,982
  • $2,697
  • $2,352
  • $2,104
  • $1,665
  • $1,544
  • $1,399
  • $1,316
  • $1,207
  • $1,092
  • 40
    $1,284
  • $1,040

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 Violation
    Annual Premium
  • Safe Driver
    $1,284
  • Speeding Ticket
    $1,583
  • At-Fault Accident
    $1,869
  • DUI
    $1,898

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 Score
    Annual 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.

Methodology

MoneyGeek’s study involved collecting quotes from different providers and locations across Arizona in collaboration with Quadrant Information Services. We used a sample driver profile of a 40-year-old man with good credit and a full coverage policy as described in MoneyGeek’s methodology page unless altered by factors mentioned above, such as age, coverage levels, driving record and credit score.

This analysis also used the following data:

  • Highway traffic density from the Federal Highway Administration’s 2019 data
  • Data on uninsured motorists from the Insurance Research Council’s 2019 study
  • Urban share of the population from the U.S. Census Bureau’s latest data
  • Data on motor vehicle theft from the FBI’s Crime in the United States 2019 report

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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