Compare Rates and Save on Auto Insurance


At $1,284 per year, the average cost of car insurance in Arizona is lower than the national average. Rates are partly based on the state's highway density, urban population and vehicle theft rate. Your premiums may vary based on your unique characteristics, such as your location, age, driving record, credit score, car model and insurance provider.

Table of Contents
Key Takeaways

arizona icon

Drivers in Arizona pay an annual average of $1,284 for car insurance, less than the national average.

car icon

Because premiums in the state are lower than the national average, your coverage is likely expensive because of individual factors, like your age, driving record and ZIP code.

housePapers icon

You can save on car insurance in Arizona by comparing quotes from various providers and bundling your multiple policies.

Why Arizona Car Insurance Rates Can Be High

Compared to the national average, Arizona is slightly cheaper at an average of $1,284 per year. Your rates may vary due to several state-specific and personal factors. MoneyGeek explores these factors to show how they can affect your car insurance premiums in Arizona.

Higher-Than-Average Highway Density

From an insurer’s perspective, more drivers on the road raise the potential for accidents. Insurance companies consider the highway traffic density of an area when setting car insurance rates. In Arizona, there are 10.3 million miles driven per highway mile. Insurance carriers increase premiums relative to these numbers.

High Urban Population Density

90% of Arizona’s population lives in urban areas, which can increase premiums for the state. Densely populated neighborhoods tend to have higher numbers of accidents, theft and vandalism, leading to more insurance claims.

High-Than-Average Vehicle Theft Rate

Drivers who live in areas where car theft is more frequent may pay more for auto insurance. This is because the likelihood of filing claims is higher there. Arizona has an average rate of 249.4 motor vehicle thefts per 100,000 residents in the most recent year where data was available; if you live in an area of Arizona with more car thefts, this could explain why your rates are higher.

Why Car Insurance in Arizona Might Be Expensive for You

The factors mentioned above affect the entire state’s car insurance rates. But there are other characteristics taken into account by insurers when determining prices. Some are difficult or impossible to change, like your location and age. Your credit score, driving record, car model and insurance provider also affect your premiums.

Where You Live

Where you live in Arizona can affect your premiums. The state may be slightly cheaper than the national average, but you may pay more if the Zip code where you live has higher rates. Drivers who live in Phoenix pay an average of $1,430 for auto insurance, $263 more than residents of Tucson.

Average Car Insurance Rates in Arizona: State & Cities
Annual Premium

Arizona’s State Average






















Insurance Company

Car insurance rates vary among insurers because they calculate premiums differently. That’s why it’s wise to shop around to find the cheapest auto insurance in Arizona or the best car insurance in Arizona. You can also use MoneyGeek’s Arizona car insurance calculator to get a ballpark figure for your insurance costs.

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.



Your age plays a significant role in the cost of your annual premiums. Typically, rates are higher for people younger than 25 because providers consider them riskier to insure. Drivers age 65 and older face higher premiums than their 40-year-old counterparts.

Average Car Insurance Rates by Age in Arizona
Average Driver (40-Year-Old)





Driving Record

Car insurance rates are usually lower for drivers with clean records than those with driving violations on their records. The cost of your premiums can also change depending on the severity of your offense. In Arizona, if you have a speeding ticket, you may pay $1,583 per year for car insurance, but if you have a DUI, you might pay $1,898 per year for the same policy.

Average Car Insurance Rates by Driving Record in Arizona
No Violation
Speeding Ticket






Credit Score

In Arizona, car insurance providers consider your credit score when calculating your rates. Having a poor credit score can lead to higher insurance premiums. If you have poor credit, you may pay roughly $2,495 per year for coverage, whereas you might only pay $988 per year with excellent credit.

Average Car Insurance Rates by Credit Score in Arizona
Excellent Credit Score
Fair Credit Score
Poor Credit Score





Car’s Make and Build

The car you drive can affect your insurance costs. When determining rates, insurance providers consider several factors like the possible costs of repairs and the likelihood of theft. Driving a sports car or other high-value car means more expensive premiums. You can use MoneyGeek’s auto insurance calculator to see how your insurance rate can change depending on your car model.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.


Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.


How to Save on Car Insurance in Arizona

While Arizona’s car insurance rate is cheaper than the national average, there are ways to make it even more affordable. These include bundling multiple policies and increasing your deductibles. MoneyGeek outlined some actionable steps to get lower premiums on your auto insurance.

  • shoppingBag icon

    Shop around for the best rates.

    Every car insurance company calculates rates differently. Gathering quotes from at least three insurers can help you find the cheapest premiums for you.

  • mortgage icon

    Bundle multiple policies.

    You can usually get a sizable discount if you bundle your homeowners and auto insurance policies from the same provider.

  • coins2 icon

    Take advantage of available discounts.

    Car insurance providers offer several car insurance discounts to stay competitive. You can save on your policy by being a good driver, remaining accident-free or installing anti-theft devices in your vehicle. Contact your chosen insurer to see which savings opportunities you qualify for.

  • barChart icon

    Increase your deductible.

    Your car insurance deductible is the amount you pay out of pocket if you file a claim. Raising your deductible can significantly lower your premiums, but you will pay more after an accident.

  • car2Colored icon

    Consider pay-per-mile insurance.

    Arizona drivers who rarely drive may benefit from pay-per-mile coverage. This policy charges rates based on the number of miles you drive.

  • uninsured icon

    Drop unnecessary coverage.

    Dropping comprehensive and collision coverage can be an excellent way to save on car insurance rates. It’s a smart move if your premiums are worth more than 10% of your vehicle’s cash value.

Frequently Asked Questions

MoneyGeek answered some frequently asked questions to help you better understand why car insurance in Arizona can be expensive.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.