Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,312 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Arizona. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Arizona and how much you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Arizona, costing $1,312 per year.
- In Arizona, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Arizona costs $516 annually for limits of 25/50/15, while liability-only coverage costs $764 per year for limits of 50/100/50.
- In Arizona, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 38%, a DUI raising rates by 64%, and an at-fault accident by up to 53%.
How much is car insurance in Arizona?
CarInsurance.com data found that drivers in Arizona pay $151 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Arizona by coverage level
Car insurance costs in Arizona can differ based on the coverage limit. To legally drive, Arizona residents must adhere to the minimum liability limits of 25/50/15.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Arizona, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Arizona car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $43 | $516 |
| Liability Only – 50/100/50 BI/PD | $64 | $764 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $151 | $1,812 |
State minimum car insurance in Arizona
Arizona laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $15,000 for property damage liability.
The state minimum car insurance cost in Arizona is $516 a year. However, this basic coverage only offers limited protection. Arizona drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Arizona must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Arizona
Liability-only car insurance costs $764 in Arizona for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Arizona
The average annual premium in Arizona is $1,812 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Arizona
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Arizona have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Arizona car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Arizona by car model
In Arizona, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Arizona.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Arizona
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Arizona, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,762 annually.
Car insurance for drivers aged 16-19 costs $5,313 more annually than Arizona drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,075 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,804 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,762 per year in Arizona.
- For senior drivers: Drivers age 65 and older can expect to pay $1,848 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Arizona
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Arizona, a DUI conviction often results in higher premiums and you may see an increase of up to 64% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Arizona, you’ll likely see an increase in your car insurance premium by up to 38% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Arizona after driving incidents:
- Speeding ticket: Up to 38% increase
- DUI conviction: 64% increase
- At-fault accident (bodily injury and property damage): 53% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Arizona for high-risk drivers
In Arizona, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Geico | $1,588 |
| Auto-Owners | $2,141 |
| Travelers | $2,177 |
| USAA | $2,435 |
| State Farm | $2,565 |
| Nationwide | $2,783 |
| Progressive | $3,111 |
| Allstate | $3,143 |
| Farmers | $4,042 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Arizona
In Arizona, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Arizona by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Arizona and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Geico | $369 | $538 | $1,312 |
| Travelers | $480 | $649 | $1,489 |
| Auto-Owners | $374 | $520 | $1,539 |
| Nationwide | $662 | $805 | $1,726 |
| Progressive | $639 | $866 | $1,903 |
| Allstate | $566 | $940 | $2,215 |
| State Farm | $613 | $850 | $2,233 |
| Farmers | $669 | $1,210 | $2,331 |
| USAA | $275 | $507 | $1,581 |
Car insurance rates by city in Arizona
Phoenix is Arizona’s most expensive city for car insurance at an average cost of $2,251 annually. Lake Havasu City is the state’s least expensive city, with an average car insurance rate of $1,386 annually.
Car insurance costs differ from city to city in Arizona, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Arizona’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Geico | $1,465 |
| USAA | $1,637 |
| Travelers | $1,651 |
| Auto-Owners | $1,751 |
| Nationwide | $1,990 |
| Progressive | $2,148 |
| Farmers | $2,645 |
| State Farm | $2,789 |
| Allstate | $2,815 |
How much does car insurance cost in Arizona per month?
The average cost of a full-coverage car insurance policy in Arizona costs $151 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $43 |
| Liability Only – 50/100/50 BI/PD | $64 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $151 |
Final thoughts on choosing car insurance in Arizona
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Arizona.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Arizona. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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