Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Arizona Average car insurance cost in Arizona A full-coverage car insurance policy in Arizona costs an average of $2,333 a year or $194 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 10, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Arizona, your monthly cost for full coverage car insurance is $194, which adds up to $2,333 per year. For minimum coverage, expect to pay an average of $55 monthly, or $662 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,333 Average per month cost $194 Average cost for state minimum coverage $964 / Year Cheapest car insurance company Travelers($1,707 / Year) Average cost for young drivers $3,759 / Year Average cost for Senior drivers $2,376 / Year Average car insurance cost in ArizonaIf you’re a resident of Arizona, full coverage car insurance typically costs about $194 per month, adding up to $2,333 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $55, or $662 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in ArizonaTravelers provides the lowest full coverage rates, for an average cost of $1,707 per year or $142 annually for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Arizona drivers at an average cost of $1,796 a year or $150 per month.Although these insurers offer some of the most affordable average rates in Arizona, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Arizona Graph Table Company nameAverage per month costAverage annual costTravelers$142$1,707GEICO$150$1,796Progressive$176$2,114Auto-Owners$188$2,258Nationwide$220$2,636Allstate$237$2,846Farmers$239$2,865State Farm$240$2,883CSAA Insurance (AAA)$414$4,965USAA*$157$1,880*USAA is only available to military community members and their families.Powered by: Updated with latest data Arizona car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2024 Cylinders 4 Make & Model Acura - Integra State Arizona Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $1,074/Year OR $90/month Full Coverage $2,324/Year OR $194/month Arizona Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in ArizonaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $55 per month or $662 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Arizona, drivers typically pay $194 per month or $2,333 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$662Liability only$964Full coverage$2,333Non-owner state minimum liability$477Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Arizona by cityChandlerMesaPhoenixScottsdaleTucsonAverage car insurance cost in Arizona by cityWhere you live in Arizona can have a big impact on your car insurance rates.If you’re located in cities like Phoenix, Glendale, or Peoria, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Tucson and Surprise tend to pay much lower insurance premiums, between $2,414 and $2,440 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costTucson$2,414Surprise$2,440Gilbert$2,487Scottsdale$2,496Chandler$2,498Mesa$2,551Tempe$2,619Peoria$2,628Glendale$2,863Phoenix$2,943Powered by:Average car insurance cost in Arizona by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Arizona for a full coverage policy based on your age and gender.Average car insurance cost in Arizona for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Arizona pay an average of $5,751 per year for car insurance, while females of the same age pay $4,789.But by the time you turn 25, insurance premiums drop to $2,874 a year on average for male drivers and $2,703 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,751$4,78921$3,970$3,52122$3,622$3,26923$3,360$3,05924$3,132$2,913Powered by:Average car insurance cost in Arizona for adult driversOn average, an adult male driver in Arizona pays $2,339 a year for full coverage or $195 per month. Women pay $2,319 a year or $193 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,874$2,70330$2,459$2,43135$2,385$2,38440$2,322$2,34445$2,276$2,29050$2,175$2,19955$2,108$2,11060$2,107$2,096Powered by:Average car insurance cost in Arizona for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,220 per year, while women pay $2,219. But by age 70, average premiums rise to $2,338 for men and $2,305 annually for women. At 75, rates increase even further – $2,625 for male drivers and $2,553 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,220$2,21970$2,338$2,30575$2,625$2,553Powered by:Minimum car insurance requirements in ArizonaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Arizona can help you avoid fines and make smarter choices about your coverage.Drivers in Arizona must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $15,000Cheapest cars to insure in ArizonaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda CR-V tops the list for cheapest car to insure in Arizona at an average cost of $1,888 a year, followed closely by Hyundai Venue at $1,924 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda CR-V$1,888Hyundai Venue$1,924Subaru Outback$1,930Subaru Forester$1,941Chevrolet TrailBlazer$1,960Mini Cooper Electric$1,963Honda HR-V$1,970Mazda CX-5$1,972Honda Pilot$1,978Subaru Crosstrek$1,988Powered by:Most expensive cars to insure in ArizonaMaserati Quattroporte stands out as the most expensive car to insure in Arizona, with an average annual cost of $6,405.The table below shows the most expensive vehicles to insure in Arizona along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$6,405Maserati Ghibli$5,982BMW M8 Gran Coupe$5,174Audi RS7$5,031Nissan GT-R$4,984Audi S8$4,886BMW M8$4,764BMW X6 M$4,721Audi RS Q8$4,714Audi RS6$4,700Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-26Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in ArizonaCheapest car insurance companies in ArizonaAverage cost of car insurance by coverage levels in ArizonaAverage car insurance cost in Arizona by cityAverage car insurance cost in Arizona by ageMinimum car insurance requirements in ArizonaCheapest cars to insure in ArizonaMost expensive cars to insure in ArizonaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330