Arizona Car Insurance Calculator

• MoneyGeek's rate data comes from Quadrant Information Services, which sources quotes directly from insurer submissions to Arizona state regulators, refreshed monthly.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authored the Arizona calculator details. Mark Friedlander, Director of Corporate Communications at the Insurance Information Institute, reviewed it.
• Our editorial standards mean our recommendations are never influenced by carrier relationships. Every insurer in our analysis is held to the same standard. See our full rating guidelines.

1. Which Arizona insurer you choose: Travelers charges $83 per month for full coverage in Arizona. AAA charges $267 per month for the same driver on the same policy. That $184 monthly gap adds up to $2,208 per year for identical coverage. In our analysis, Arizona has one of the largest carrier spreads of any state we've looked at. Getting three quotes before you buy or renew is the most effective thing you can do. See our cheapest car insurance in Arizona guide for the full analysis of insurers.
2. How much coverage you buy: Arizona's legal minimum is 25/50/15 liability at $66 per month. Adding collision and comprehensive brings you to full coverage territory, which averages $136 per month at 100/300/100 limits. Arizona's $15,000 property damage minimum is the lowest of any required coverage in the state and covers less than a third of the average new car price. Most drivers we see in Arizona are underinsured on property damage without realizing it. The coverage calculator below tells you what you actually need based on your assets and vehicle.
3. What you drive: Insurers look at your car's repair costs, theft history and safety record when they set your rate. Chevrolet Silverados and certain 2011 to 2022 Kia and Hyundai models without engine immobilizers are the most stolen vehicles in Arizona, according to the Arizona Automobile Theft Authority. Picking a car with good safety ratings and a low theft rate is one of the few ways to pull your base rate down before you even get a quote.
4. Your credit history: Arizona lets insurers use your credit score when pricing your policy. Drivers with good credit pay $134 per month for full coverage on average. Drivers with poor credit pay $317 per month for the same policy, a $183 monthly gap. That's a $2,196 annual difference and one of the widest credit gaps of any state in our analysis. Paying down debt and keeping your balances low can move your insurance score before your next renewal date.
5. Your Arizona ZIP code: Phoenix consistently produces the highest rates in the state. Scottsdale runs above average because of the number of luxury vehicles on the road there. Flagstaff drivers see more comprehensive claims from snow and hail than most Arizona cities. Tucson and smaller cities tend to run at or below the state average. ZIP code alone can shift your monthly rate by $40 or more in Arizona
6. What's on your driving record: A speeding ticket raises your Arizona rate by $34 per month on average, a 25% jump. An at-fault accident adds $62 per month, a 46% increase. A DUI adds $81 per month, a 60% increase, and triggers a three-year SR-22 requirement according to the Arizona Department of Transportation. Arizona insurers can see convictions from the past 39 months when they check your driving record, according to the Arizona Department of Transportation. Re-shopping once a violation falls outside that window is a quick way to lower your rate.
7. Your age and driving experience : Teen drivers added to a family policy in Arizona average $369 per month. Young adults pay around $197 per month for the same full coverage. Seniors pay $121 per month. Rates fall the most between 18 and 25 as drivers build a clean history. After 65 they start to climb again due to higher accident rates for older drivers. See our car insurance rates by age guide for the full picture.

Most Arizona drivers end up with a recommendation that includes more than the state minimum. Full coverage combines liability, collision and comprehensive. Liability pays for damage you cause to others.

• Bodily injury liability Pays medical bills and lost wages for people you injure in a crash you cause. Arizona requires $25,000 per person and $50,000 per accident at minimum. If your recommendation shows higher limits, it reflects your actual financial exposure after a serious crash.
• Property damage liability Pays for damage you cause to other vehicles, fences, buildings and structures. Given the price of new luxury cars exceeding $100,000, MoneyGeek recommends at least $100,000 in property damage coverage. The cost difference between $25,000 and $100,000 in property damage coverage is typically $5 to $15 more per month.
• Uninsured and underinsured motorist coverage Pays your bills when the driver who hits you has no insurance or not enough to cover what they owe.
• Collision Pays for damage to your car after a crash regardless of fault. Lenders require it on financed or leased vehicles. If your car is paid off and its value has dropped, our when to drop full coverage guide helps you run the numbers.
• Comprehensive Pays for damage to your car that isn't caused by a crash. That includes theft, fire, hail, flooding, falling objects, vandalism, dust storm damage and animal damage. If your car is stolen, struck by a falling tree branch or submerged in a flash flood, comprehensive is what pays for it.
• Gap insurance Covers the difference between what your car is worth and what you still owe on a loan if it's totaled. Gap insurance is useful in the first two to three years of financing when your car value may be lower than your remaining loan amount.

A note for Arizona drivers with a DUI: Arizona requires an SR-22 filing after a DUI conviction, active for three years. A coverage lapse triggers automatic notification to the Arizona Department of Transportation and immediate license suspension. Not all carriers file SR-22 certificates, so confirm this before committing to a policy.