Here are essential tips to help you shop for car insurance confidently in Arizona and find affordable options.
Car Insurance Calculator Arizona
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Arizona will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Arizona can range anywhere from $756 to $3,059 per year depending on a variety of factors.
To get the best deal on Arizona car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Arizona Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage needs before shopping to avoid unnecessary high coverage. Consider your location, driving habits, vehicle and financial situation. Use our calculator to find how much coverage you need.
Research Costs and Discounts for You
Investigate the average car insurance costs in Arizona for your chosen coverage level and driver profile. Look for discounts you may qualify for to discuss savings with agents.
Research the Cheapest Providers for You
With your coverage level and cost research ready, gather provider estimates to find the cheapest car insurance in Arizona. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in Arizona. Savings can reach up to 54% on full coverage and 57% on minimum coverage. Use comparison sites, brokers, insurer websites and direct agencies for varied pricing.
Take Advantage of Arizona-Specific Programs
If you're a high-risk driver, Arizona offers defensive driving courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for infrequent drivers. Telematics insurance rewards good driving with discounts, and automaker insurance programs may offer added benefits.
What Affects Your Arizona Car Insurance Estimates?
In the Grand Canyon State, your car insurance premium is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Dive into the links below to learn about how each affects rates for Arizona drivers:
How Much Does Provider Chosen Affect Arizona Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in Arizona. Depending on the provider, your rates can drop 39% or increase by as much as 97% compared to the average for Arizona drivers.
| Lowest | Root Insurance Company | $79 | $943 |
| Highest | The General | $255 | $3,059 |
How Much Does Age Affect Arizona Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Arizona drivers. Depending on your age, your rates can go up as much as 110% or decrease by as much as 40% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $125 | $1,494 |
| Highest | 16 | $456 | $5,471 |
How Much Does Credit Affect Arizona Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in Arizona, rates can vary from $87 to $238 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $87 | $1,045 |
| Highest | Poor | $238 | $2,861 |
How Much Does Coverage Affect Arizona Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Arizona, causing rates to vary anywhere from $756 per year for minimum coverage to $1,792 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $63 | $756 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $149 | $1,792 |
How Much Does Driving Record Affect Arizona Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Arizona with rates changing up to 18%. Depending on how many violations you have and their severity, rates will vary widely.
| Lowest | Clean | $129 | $1,553 |
| Highest | DUI - BAC >= .08 | $210 | $2,519 |
Arizona Car Insurance Calculator: Bottom Line
Before you use our car insurance calculator, we recommend checking out different costs, coverage options and companies. After that, gather many quotes. Compare them with our estimates to find the most affordable plan that's just right for you.
Arizona Car Insurance Estimate: FAQ
Below you will find answers to common questions about Arizona car insurance costs and estimates.
What is used to determine Arizona car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Arizona car insurance on average?
In Arizona, the average car insurance is about $1,247 annually. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $46 per month to up to $197 monthly on average.
How do I get the best car insurance in Arizona?
To secure the best car insurance in Arizona, assess your coverage needs, compare rates and providers and utilize tools such as insurance calculators for optimal affordability.
Our Arizona Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.