How Much Is Car Insurance in Arizona? (July 2024)

In Arizona, if you're looking for full coverage on your car insurance, you'll typically pay around $1,420 annually. If you opt for minimum coverage, it generally costs about $676 per year. When insurance companies determine your car isurance premium, they consider several factors. Your age, the level of coverage you select, where you live, your driving record, and your credit history can all make a big difference.

Remember, it's not just about finding the cheapest option; it's about finding the best coverage that fits your needs and budget.

Arizona's average full coverage car insurance costs around $1,420 annually or $118 monthly. Knowing this average can help you determine if you're getting a competitive quote when comparing car insurance quotes.

Here's a look at standard rates for auto insurance in Arizona. These numbers reflect what you might pay monthly or yearly for minimum or full coverage plans.

The cost of car insurance in Arizona sits at a moderate range when compared to the rest of the United States. For instance, state minimum coverage averages at $676 per year ($56 a month) in Arizona. When considering the national average cost of car insurance, which is about $595 annually ($50 a month) for state minimum liability, Arizona's rates are slightly higher.

Costs for full coverage insurance with 100/300/100 limits and a $1,000 deductible in Arizona average $1,420 annually ($118 a month), compared to the national average of $1,296 annually ($108 a month). Rates in Arizona can be affected by factors such as the likelihood of natural disasters like monsoons and wildfires, the density of urban populations, especially in cities such as Phoenix, and the prevalence of uninsured drivers.

Car insurance premiums can differ greatly among companies, even within the same state. In Arizona, Root Insurance Company offers some of the cheapest full coverage at an annual premium of $722, contrasting sharply with The General, which presents a much steeper average premium of $2,932 annually.

Finding the cheapest car insurance in Arizona requires comparison shopping to secure the most affordable plan that meets your needs.

Cost of car insurance in Arizona is also influenced by the chosen level of coverage. Expectedly, the minimum coverage averages at about $56 monthly, while the full coverage with a $1,000 deductible can cost around $118 monthly. It's advisable to opt for full coverage insurance despite it being pricier due to its comprehensive protection against various incidents.

Adding comprehensive and collision components to your insurance policy can sharply increase your premium. However, selecting a higher deductible, such as $1,000, can help mitigate these costs effectively. Remember, the deductible amount applies to each comprehensive and collision claim you file.

In Arizona, the minimum car insurance requirements include $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $15,000 property damage liability per accident. Uninsured/underinsured motorist coverages aren't mandatory.

Your location plays a key role in car insurance premiums. For instance, in Arizona, full coverage in Chandler is $1,134 while in Phoenix it costs $1,360. Car insurance rates in Arizona can be influenced by your driving history, the type of car you drive and even the level of traffic in your city.

Age significantly influences car insurance costs in Arizona, where younger drivers typically pay higher premiums. Drivers aged 22 to 29 face the steepest rates, with average annual premiums at $1,815. Insurance costs tend to decrease with age due to insurers' perception of risk; seasoned drivers, such as those aged 30 to 59, pay less at $1,420 annually, and those 60+ pay even lower rates at $1,376.

Age and gender are significant factors that impact car insurance rates in Arizona. For example, 16-year-old male drivers added to a family policy face an average annual premium of $3,028, marking one of the highest rates across age groups.

It's typically against the law for minors to secure car insurance without an adult co-signer. If a 16-year-old male opts for an individual policy, the annual premium increases to $6,025.

On average, full coverage car insurance for a 2012 car model costs $1,136 annually, while a 2022 model with the same coverage sees a premium of $1,306. Newer cars have higher actual cash values and potentially steeper repair costs, It's advisable for drivers of new cars to secure comprehensive and collision coverage, ensuring financial protection from a wide array of incidents, such as accidents, natural disasters and theft.

The average cost of car insurance in Arizona varies based on a driver's record. Here's how driving history can affect your rates:

• With a ticket: $1,851 per year, $154 per month
• With an at-fault accident: $2,237 per year, $186 per month
• With a DUI: $2,311 per year, $193 per month

The type of violation causes an increase in your car insurance premium in Arizona. Any violations will continue to affect your rates as long as they're on your driving record. For instance, in Arizona, a DUI can stay on your record for up to 10 years. While a DUI generally leads to the highest insurance costs, sometimes, other violations might cause rates to be just as high.

You can look at the table divided by coverage and age to find the average cost of insurance in Arizona for different driving records.

In Arizona, average car insurance costs vary significantly with credit scores, from $733 for excellent credit to $1,958 for poor credit annually. Your credit score plays a role in determining your car insurance rates in the state. A good credit score ranges from 670 to 739, with higher scores typically leading to lower insurance premiums due to perceived reliability in prompt payments and responsible behavior.

Understanding what influences the cost of your car insurance in Arizona can help you find the right coverage. Here are the key factors that affect your rates:

• Driving Record: A clean driving record typically means lower insurance costs, while traffic violations or accidents can increase your premiums in Arizona due to higher perceived risk.
• Age and Gender: Statistically, young drivers and males often face higher insurance rates due to their increased risk of accidents. Drivers in Arizona may notice these demographics affecting their premiums.
• Credit Score: In Arizona, a higher credit score can lead to more affordable car insurance rates, as insurers view drivers with good credit as less risky to insure.
• Vehicle Type: The cost, repair expenses and the likelihood of theft of your vehicle can impact insurance costs. In Arizona, driving a car that's expensive to repair can lead to higher premiums.
• Location Within Arizona: Urban areas with high traffic congestion and theft rates may have higher insurance costs compared to rural, less populated areas.
• Coverage Level: Opting for more than the state minimum coverage can increase your insurance costs. Consider the balance between protection and affordability.
• Deductible Amount: Choosing a higher deductible can lower your monthly premiums but means more out-of-pocket expenses if you file a claim.
• Discount Qualifications: Insurers offer various discounts for safe driving, security features, or bundling policies. Arizona drivers should ask about potential discounts to lower their rates.
• Insurance History: Those with continuous auto insurance coverage may receive better rates than those with gaps in their insurance history.
• Marital Status: Married individuals often receive lower rates as they are statistically less likely to get into accidents, which is reflected in Arizona's insurance pricing.

For full protection, consider adding comprehensive insurance and collision insurance.

To secure affordable car insurance in Arizona, compare rates, raise your deductible and utilize all available discounts to lower premiums effectively.

Get answers about what impacts the average cost of car insurance in Arizona and how to find affordable rates.