Average Cost of Car Insurance in Arizona

The average cost of car insurance in Arizona is $1,042, which is only $5 less than the national average of $1,047.¹ That translates to about $87 per month for full coverage auto insurance.

That being said, how much you pay for your auto insurance depends on many factors, including your age, ZIP code, gender, credit score, marital status and driving record. Arizona requires liability coverage at minimum, but the amount of coverage you purchase will affect your rate as well.

By City

People who live in densely populated urban areas tend to have higher auto insurance costs because of the number of risk factors associated with driving in a city. In highly congested cities, traffic is a contributing factor to aggressive driving behaviors like speeding, changing lanes quickly and hard braking that result in collisions.²

By Age

Teen drivers face the highest car insurance costs across every state. The average teenager in Arizona pays $4,174 annually for auto insurance, compared to an average of $1,604 for drivers in their 20s and older. Luckily, once you hit your 30s, auto insurance rates drop significantly and stay relatively steady.

By Gender

The data shows very little difference between car insurance rates for men and women in Arizona. Typically, men pay more for car insurance, but you’re in luck if you live in Arizona as the difference is negligible.

By Marital Status

Single and divorced people tend to pay about the same for auto insurance, according to the data we collected. You’ll save an average of $90 on your auto insurance premium if you’re married because married individuals have a lower incidence of accidents, statistically.

By Coverage Level

Minimum coverage in Arizona is defined as $25,000 bodily injury liability for one person and $50,000 for two or more persons, plus $15,000 property damage liability. Of course, full coverage insurance costs more than twice the minimum coverage rate in Arizona because it includes more coverages: collision and comprehensive coverage, medical payments coverage and uninsured/underinsured motorist coverage. You can also get gap insurance in Arizona as an add-on to your full-coverage insurance policy for an average annual cost of $25.

These companies have the lowest rates in Arizona for different demographics.

There are a number of ways to lower your auto insurance premium in Arizona.

1. Stick to minimum coverage: Arizona only requires liability coverage so, while lean, that’s all you need to drive legally.
2. Raise your deductible: High-deductible auto insurance policies mean you’ll pay more out of pocket if your vehicle is damaged or stolen, but you’ll pay a lower monthly premium.
3. Complete a defensive driving course: Safe driving discounts are one of the most common discounts auto insurance providers offer. Ask your insurance company about approved courses that qualify you for a discount on your premium.
4. Enroll in a telematics or usage-based insurance: If you don’t drive that much, you should consider enrolling in a usage-based insurance program. Your provider will track your driving habits and charge you based on mileage. Some telematics programs also track safe driving behaviors like phone use while driving, hard braking, rapid acceleration, etc.
5. Ask about all discounts: Every provider offers different auto insurance discounts, so be sure to ask about all of them. You might be surprised by less common discounts like membership discounts for people in auto clubs or employee discounts for teachers.
6. Improve your credit score: Healthy habits like making bill payments on time, paying down account balances and reducing new credit applications will increase your credit score and lower your premium.

As previously mentioned, these are the minimum coverage amounts required for drivers in Arizona:

• Bodily injury liability: $25,000 per person, $50,000 per accident
• Property damage liability: $15,000⁵

Arizona is an at-fault state, so the at-fault party pays for property damage and bodily injury. Additionally, Arizona is a pure comparative negligence state. This means that accident victims can recover money for injuries even if their degree of fault was higher than the opposing party’s, but the percentage of fault reduces compensation.

An SR-22, or a financial responsibility insurance certificate, verifies that you have motor vehicle liability insurance. You may be required to carry an SR-22 in Arizona if you’re caught driving under any of these circumstances:

• Suspended or revoked license
• Multiple unpaid tickets
• Eight or more points on your license within a 12-month period
• No insurance coverage
• Recklessly
• Under the influence of drugs or alcohol

You are required to maintain proof for three years from the date you became eligible for reinstatement. Your license and registration will be suspended if you fail to maintain your SR-22.

Arizona auto insurance providers use your driving record, credit score, requested coverage level, marital status, gender, age and ZIP code to determine rates. Good drivers over 30 years old will receive the lowest rates, but there are ways to lower your premium if you’re willing to look around for the best rate and applicable discounts.

AutoInsurance.com has more than 20 years of experience connecting drivers to the top auto insurance companies. Our proprietary database of auto insurance providers and their preferred customers forms the basis of our analysis. In addition to this data, we do state-specific research about auto insurance laws and exceptional circumstances to give you an overview of what you can expect to pay for auto insurance in Arizona.