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Last updated: June 16, 2023

Average Cost of Car Insurance in Arizona

What is the average cost of car insurance in the Grand Canyon State?

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Arizona is a state full of natural beauty. Whether you’ve lived there your whole life or just moved there, the odds are that you’ll need auto insurance to take in the majesty across the state, including the Grand Canyon. Get acquainted with the factors that go into auto insurance premiums in Arizona and get an idea of the average cost of car insurance in Arizona. That way, you can be prepared for a conversation with your provider or multiple providers as you shop for the best coverage for you.

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

City Average annual cost of car insurance in Arizona
Chandler $1,465
Gilbert $1,474
Mesa $1,509
Phoenix $1,694
Tucson $1,459

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.

Age Average annual cost of car insurance in Arizona
16 $4,656
17 $4,198
18 $4,549
19 $3,291
20s $2,603
30s $1,409
40s $1,405
50s $1,253
60s $1,355
70s $1,600

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.

Gender Average annual cost of car insurance in Arizona
Male $1,180
Female $1,182

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.

Marital status Average annual cost of car insurance in Arizona
Single $1,180
Married $1,089
Divorced $1,180
Widowed $1,157

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.

Coverage level Average annual cost of car insurance in Arizona
Minimum $513
Full $1,359


Uninsured/underinsured motorist coverage is not required in Arizona, but it provides extra protection if you end up in an accident caused by someone who doesn’t have any or enough insurance to cover your damages. Keep it in mind, as 12 percent of drivers in Arizona were uninsured in 2019.3

By Credit Score

Arizona is one of the many states that can legally use your credit score to determine your insurance rate. People with poor credit have more insurance claims than people with good or excellent credit, statistically. Generally, the higher your credit score, the lower your average auto insurance premium. That trend is reflected in the data for Arizona below.

Credit score Average annual cost of car insurance in Arizona
Poor $2,732
Average $1,814
Good $1,520
Excellent $1,199

By Violation

Driving record is an important indicator for your auto insurance premium. In Arizona, driving under the influence is by far the most significant factor related to driving history. DUIs stay on your driving record for seven years, in addition to other penalties depending on the circumstances of the DUI.4

Driving history Average annual cost of car insurance in Arizona
Speeding ticket $1,900
Accident $2,117
DUI $2,497

By Company

We found that GEICO offers the lowest rates in Arizona, but your individual rate will of course depend on the factors above.

Company Average annual cost of full coverage car insurance in Arizona
State Farm $1,253
Travelers $1,234
Country Financial $1,202
Hartford $1,142
Nationwide $1,096
Progressive $1,007
USAA $790
GEICO $770

Cheapest Car Insurance in Arizona

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

Demographic Cheapest company Annual rate
Male teens Travelers $1,970
Female teens Travelers $1,652
Military USAA $288
Veteran USAA $288
Full coverage GEICO $852
Minimum coverage Mercury $335
Bad credit Root $910
18 years old State Farm $3,468
20s Root $717
30s Noblr $781
40s Noblr $740
50s Noblr $685
60s Noblr $681
70s Noblr $768
Bad driving record Root $895
Chandler Root $1,039
Gilbert Root $1,044
Mesa GEICO $1,020
Phoenix Root $1,157
Tucson GEICO $936

How to Save on Car Insurance in Arizona

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.

Minimum Car Insurance in Arizona

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

Fault Law in Arizona

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.


You need proof of insurance in the form of a physical ID or digital ID card in Arizona. Driving without insurance results in the following penalties:

  • First offense: license plate taken, minimum fee of $500 and a three-month license and registration suspension.
  • Second offense: license plate taken, minimum fee of $750 and a six-month license and registration suspension.
  • Third offense: license plate taken, minimum fee of $1,000 and a one-year license and registration suspension, after which you need to file for an SR-22.6


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.

Methodology 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.

Frequently Asked Questions

Is car insurance expensive in Arizona?

The average cost of car insurance in Arizona is $1,042, which is on par with the national average annual cost nationally of $1,047, according to the National Association of Insurance Commissioners.

How much is full coverage auto insurance in Arizona?

The average cost of full coverage auto insurance in Arizona is $1,359. Compared to the average annual cost of minimum insurance, which is $513, full coverage auto insurance is 165 percent higher.

How much is car insurance in Arizona for a 25-year-old?

The average cost of auto insurance for a 25-year-old is $2,603.


  1. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioner. (2023, Jan).

  2. Speeding. National Highway Traffic Safety Administration. (2023).

  3. One in Eight Drivers Uninsured: $13 Billion Spent in 2016 to Protect Against Uninsured and Underinsured Drivers. Insurance Research Council. (2021, Mar 22).

  4. State Ignition Interlock Laws. National Conference of State Legislatures. (2021, Sep 24).

  5. Vehicle Insurance Information. ADOT Motor Vehicle Division. (2023).

  6. Penalties for Driving without Auto Insurance by State. Consumer Federation of America. (2014, Jan).