Car Insurance Calculator in Arizona

Arizona has some of the lowest minimum coverage requirements in the country, which means they're often not enough. Answer four questions to find out what you actually need.

How much coverage you need depends on four things: your net worth, your car's value, how you bought it and how much financial risk you're comfortable taking on.

• Your assets determine your liability coverage needs. If you cause an accident and damages exceed your policy limits, you pay the rest out of pocket. Drivers with more assets should carry at least 100/300/100 in liability coverage.
• Your car's value decides whether you need comprehensive and collision coverage. If your car is worth less than $5,000, you'll likely pay more in premiums than you'd collect in a claim. For newer or higher-value vehicles, both coverages are worth carrying.
• Financing your vehicle limits your coverage choices. Lenders and lessors almost always require full coverage, including comprehensive and collision with specific deductible limits, until you pay off the loan or lease.
• Arizona doesn't require bodily injury liability coverage. This creates a dangerous gap since you could seriously injure someone and have zero coverage for their medical bills or lost wages. Adding bodily injury protection prevents devastating out-of-pocket costs from accidents you cause.

MoneyGeek's car insurance cost calculator generates a personalized rate estimate based on your ZIP code, driving profile and coverage preferences. Enter your information below to see what Arizona drivers like you are paying.

Your Arizona rate comes down to six factors: provider, age, location, coverage level, driving history and credit score. Each insurer weighs these differently, which is why quotes for the same coverage can vary by hundreds of dollars a year. Drivers in Phoenix and Tucson pay more than those in rural areas due to higher traffic density and claim rates.

The factors with the biggest impact on your Arizona rate:

1. Provider choice is the single biggest variable. The cheapest and most expensive providers in Arizona differ by up to $43 per month for the same full coverage policy.
2. Age and driving experience also play a major role. Young drivers in Arizona pay an average of $333 per month for full coverage; senior drivers pay an average of $185 per month.
3. ZIP code sets your local risk profile based on traffic density and claim frequency. Phoenix and Tucson drivers pay more than rural residents because insurers factor in local traffic density and how often claims are filed in your area.
4. Credit score and driving history influence your final premium, especially for high-risk drivers. Full coverage averages $107 per month with excellent credit compared to $334 per month with poor credit. Arizona requires an SR-22 filing for DUI convictions, mandating 25/50/15 liability limits for three years. Drivers with a DUI pay more.

Smart shopping can cut your car insurance costs. The gap between the cheapest and most expensive insurer in Arizona can exceed $43 per month for full coverage, which makes comparing quotes from at least three companies your most powerful money-saving tool. You'll find additional ways to lower your car insurance rate in the tips below.

Our base profile for all costs and modifications is:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

We sourced rate data from insurer filings via Quadrant Information Services. Full coverage policies reflect 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible.

Minimum coverage reflects Arizona's state-mandated minimums of $25,000 per person bodily injury, $50,000 per accident bodily injury, and $15,000 per accident property damage. We update rates monthly to ensure they reflect the most recent available data. To learn more about how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.