If you are looking for auto insurance in Arizona, knowing how much it will cost is a promising idea. The average premium for car insurance in Arizona is $1,611 per year or $134 per month. While the national average is $1,682. There is a difference of $71 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Arizona, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Arizona per month

In Arizona, the average premium for car insurance is $134 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Arizona, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Arizona is GEICO Casualty Co. The average annual cost is $1,095 while the average cost per month is $91. The second-best option available is, Auto-Owners Ins Co, offering insurance at an average per month cost of $94.

The table below lists the other available car insurance companies which offer car insurance in Arizona, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
GEICO Casualty Co$91$1,095
Auto-Owners Ins Co$94$1,130
Nationwide Ins Co of Am$94$1,130
Travelers Property Cas Ins Co$106$1,278
USAA Casualty Ins Co$111$1,338
Trumbull Ins Co$118$1,417
Mercury Casualty Co$120$1,435
Farmers Ins Co of AZ$120$1,443
State Farm Mutl Automobile Ins$124$1,488
Progressive Advanced Ins Co$158$1,899

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Arizona

The amount of coverage you purchase has an impact on how much car insurance costs in Arizona. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Arizona is $713.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Arizona is $1,611 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Arizona, the average annual cost for non-owner state minimum liability only is $388.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $497 per year in Arizona.

Coverage limitsAverage annual cost
50/100/50 Liability Only$713
100/300/100 Liability with $500 Comp/Coll Deductible$1,611
Non-Owner State Minimum Liability Only$388
State Minimum Liability Only$497

Average car insurance cost in Arizona by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Arizona:

CityAverage annual cost
Phoenix$2,004
Tucson$1,690
Mesa$1,736
Chandler$1,678
Scottsdale$1,715
Gilbert$1,695
Glendale$1,942
Tempe$1,757
Peoria$1,805
Surprise$1,652

Average car insurance cost in Arizona by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Arizona is $3,195 while for seniors is $1,632. Here, the rate for young drivers is $1,563 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Arizona for young drivers

The average car insurance cost for female young drivers in Arizona is $2,998 per year or $250 per month and rate for a male young driver is $3,392 per year or $283 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$6,132$5,293
19$4,248$3,665
20$3,846$3,328
21$3,154$2,781
22$2,761$2,476
23$2,558$2,318
24$2,421$2,223
25$2,017$1,897

Average car insurance cost in Arizona for senior drivers

In Arizona, the cost of car insurance for senior female driver is $1,603 per year or $134 per month and cost of car insurance for male senior driver is $1,661 per year or $138 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,516$1,487
70$1,619$1,578
75$1,847$1,743

Read more about senior car insurance

Summary of average car insurance cost in Arizona
Average annual cost
$1,611
Average per month cost
$134
Average cost for state minimum coverage
$497 / Year
Cheapest car insurance company
GEICO Casualty Co
($1,095/ Year)
Average cost for young drivers
$3,195 / Year
Average cost for Senior drivers
$1,632 / Year
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