Arizona Car Insurance Calculators: Cost & Coverage

• MoneyGeek's rate data comes from Quadrant Information Services, which sources quotes directly from insurer filings with Arizona state regulators, refreshed monthly.
• The cost calculator adjusts to your specific ZIP code, not just the state average.
• Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, authored this page. Mark Friedlander, Director of Corporate Communications at the Insurance Information Institute, reviewed it.
• No carrier relationships influence our editorial standards or the recommendations here. Every insurance company in our analysis is held to the same standard. See our full rating guidelines.

Travelers charges $83 per month for full coverage in Arizona, while AAA charges $267 per month for the same driver on the same policy. That's a $184-per-month cost difference, 2.6 times the $ 70-per-month cost of upgrading from minimum to full coverage. A driver with AAA who switches to Travelers saves $184 per month and keeps full coverage; one who drops to minimum coverage saves $70 per month and loses it.

Auto-Owners charges $111 per month for full coverage in Arizona, but it doesn't appear on most national comparison sites, so a driver who only checks aggregators won't see it. MoneyGeek's cheapest car insurance in Arizona guide includes which companies price DUI and poor-credit profiles most favorably.

Phoenix drivers pay $181 per month for full coverage, while Tucson drivers pay $141 per month. Phoenix recorded 37,472 crashes in 2024, or 31% of Arizona's 121,107 total crashes that year, per the Arizona Department of Transportation's 2024 Motor Vehicle Crash Facts report. That crash concentration pushes Phoenix rates above the state average.

The carrier gap ($184 per month) is 4.6 times the city gap between Phoenix and Tucson ($40 per month). If you've recently moved, call your insurer and update your garaging address so you're not paying rates based on your old ZIP code.

Arizona teen drivers added to a family policy pay an average of $369 per month for full coverage. By 21, that falls to $308 per month. The 21st birthday produces the largest single-year drop at $87 per month, ahead of the 19th ($47 per month) and the 25th ($26 per month). The cheapest carrier shifts too: GEICO leads at 19 ($265 per month), but Travelers takes over at 21 ($199 per month) and holds through 25 ($133 per month). A 19-year-old with GEICO who doesn't re-shop at 21 pays $66 per month more than one who does. New quotes each year from 19 to 25 capture both the rate drop and the carrier shift.

Arizona senior rates bottom out at $121 per month at age 60, then rise to $189 per month at 70, $238 per month at 80 and $278 per month at 90. New quotes at each renewal after 60 catch that increase before it compounds. MoneyGeek's car insurance rates by age guide covers every age bracket in Arizona from 16 to 90.

Good credit drivers pay $140 per month for full coverage in Arizona, while poor credit drivers pay $334 per month, a $194 per month cost difference that's 2.8 times the $70 per month cost of upgrading from minimum to full coverage. A poor-credit driver who drops to minimum still pays $264 per month.

Arizona's largest single adjacent-tier jump is at the bottom of the scale: moving from below fair ($230 per month) to poor ($334 per month) costs $104 per month more, larger than the full minimum-to-full-coverage upgrade. Improving from fair to good ($172 to $140 per month) saves $32 per month and compounds across tiers. The cheapest carrier also shifts: Travelers leads at good credit ($86 per month), but Safeway is cheapest at fair, below fair and poor ($122 per month). Safeway doesn't appear on most national comparison sites, so a poor-credit driver who only checks aggregators won't find it. When your credit tier changes, re-shop across all carriers.

A speeding ticket raises your Arizona rate by $34 per month (25%), an at-fault accident adds $62 per month (46%), and a DUI adds $81 per month (60%). Arizona also charges for not-at-fault accidents, so drivers with a not-at-fault accident on their record pay $175 per month, $39 more than the $136 per month clean-record rate. Filing a claim after a not-at-fault accident raises your rate because insurers treat claim history as a risk signal, regardless of who caused it.

After a DUI, Arizona runs two clocks. The SR-22 filing requirement ends at month 36; the period insurers use to review your driving record runs 39 months. At month 36, re-shop: the SR-22 is gone, and carriers that wouldn't quote you before will now. At month 37 or 38, get quotes again before the DUI ages off your record. New carriers see no DUI to price, and the insurer that covered you through the violation already built it into your rate.

Arizona's minimum coverage (25/50/15) costs $66 per month. Full coverage at 100/300/100 averages $136 per month, a $70 per month difference. Switching carriers saves $184 per month. Improving credit from poor to good saves $194 per month. Dropping coverage saves the least of the four. If cost is the goal, start with your carrier and your credit score.

Arizona's $15,000 property damage minimum covers less than a third of the average new vehicle price. A driver who causes $55,000 in damage with a $15,000 PD limit personally owes $40,000. If your vehicle is financed or leased, your lender requires full coverage regardless of the state minimum.

If you want to drop comprehensive coverage, compare your annual premium to your vehicle's value minus your deductible. Arizona is a harder state to drop it in. The state ranked in the top 10 nationally for vehicle theft in 2024, per the Arizona Automobile Theft Authority, and the monsoon season (June through September) adds flood and hail risk. The chance of a comprehensive claim in Arizona runs higher than average, so the threshold for keeping the coverage should be higher, too.  

Two model ranges are stolen at higher rates than average: Chevrolet Silverados and 2011 to 2022 Kia and Hyundai models built without factory engine immobilizers. For those models, apply a two-year threshold: if your vehicle's market value minus what you'd pay out of pocket before insurance covers the rest is less than two years of your annual comprehensive and collision cost, dropping is worth considering. If it's more, keep it.

Bodily injury liability pays the medical bills and lost wages of people you injure when you're at fault, and covers legal costs if you're sued. Arizona requires $25,000 per person and $50,000 per accident at a minimum. Upgrading from Arizona's minimum bodily injury limits to 100/300 costs $5 to $15 per month more.

Property damage liability pays for damage you cause to other people's vehicles and structures when you're at fault. Arizona's $15,000 minimum covers less than a third of the average new vehicle price. A driver with only $15,000 in property damage coverage who causes $100,000 in damage to a luxury vehicle personally owes the remaining $85,000. Most Arizona drivers need at least $100,000.

Uninsured and underinsured motorist coverage pays your medical bills and car repair costs when the driver who hit you has no insurance or not enough to cover the damage. Arizona doesn't require it, but about one in 10 Arizona drivers carries no insurance. That makes it the coverage most likely to matter in a real crash.

Collision pays for damage to your own car from a crash, regardless of fault. In Arizona, lenders require collision on any financed or leased vehicle. On paid-off vehicles, MoneyGeek's coverage calculator weighs your vehicle's current market value against the annual collision premium to determine whether it's worth keeping. Comprehensive pays for theft, fire, weather damage and other non-collision events. Arizona's two biggest comprehensive risks are vehicle theft and monsoon damage, both documented sources of claims in this state.

Gap insurance pays the difference between what your car is worth and what you still owe on the loan if the car is totaled or stolen. It matters most in the first two to three years of a loan, when a car loses value faster than you pay it down.

An SR-22 is a form your insurance company files with the Arizona Department of Transportation to confirm you have active coverage. It's not a type of insurance; it's a certificate that proves coverage exists. Arizona requires an SR-22 after a DUI conviction, active for three years.

1. Don't start from Arizona's minimum. Start from your coverage recommendation and enter those exact limits into every quote. A minimum-coverage quote and a full-coverage quote measure different things.
2. Get at least three quotes before you decide. The carrier gap in Arizona is $184 per month (Travelers at $83 per month, AAA at $267 per month). One quote doesn't tell you where you sit in that range.
3. Pull your documents before you start. You'll need your license number, vehicle identification number (VIN) and three to five years of driving history for every driver on the policy. Having everything ready cuts down how long each quote takes.
4. Mark two calendar dates if you have a DUI. The SR-22 filing requirement ends at month 36, when you can re-shop across all carriers, including those that don't write SR-22 policies. The violation ages off your record at month 39. Get new quotes at month 37 or 38 so carriers price you on a clean record. For any other violation, do the same at month 37 or 38.