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If you are looking for auto insurance in Arizona, understanding the cost will help you budget accordingly. The average premium for car insurance in Arizona is $1,617 per year or $135 per month. The national average is $1,682. There is a difference of $65 less between the national average and the state average.

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.

Summary of average car insurance cost in Arizona
Average annual cost
Average per month cost
Average cost for state minimum coverage
$494 / Year
Cheapest car insurance company
($1,033/ Year)
Average cost for young drivers
$2,787 / Year
Average cost for Senior drivers
$1,554 / Year

Key Takeaways

  • The average car insurance cost in Arizona is $1,617 per year, based on’s analysis.
  • In Arizona, the average premium for car insurance is $135 per month.
  • Geico has the cheapest car insurance rates in Arizona, at an average annual rate of $1,033 a year.

Average car insurance cost in Arizona per month

In Arizona, the average premium for car insurance is $135 per month.

The price for the same coverage may differ between companies. When looking for car insurance rates in Arizona, get quotes from multiple insurers.

As per the rate analysis conducted by, the company that offers the cheapest car insurance premiums in Arizona is Geico.The average annual cost is $1,033 while the average cost per month is $86. The second-best option available is Nationwide, offering insurance at an average per month cost of $94.

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

Company nameAverage per month costAverage annual cost
Mercury Insurance$117$1,407
State Farm$124$1,488
The Hartford$124$1,491

Read our guide to the best car insurance companies.

Average cost of car insurance by coverage levels in Arizona

The amount of coverage you purchase impacts how much car insurance costs in Arizona. Your premium is determined by your liability limits and 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 annual cost in Arizona is $697.

When you add more coverage to your policy, your insurance premium increases. 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 $1,617 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Arizona, the average annual cost for non-owner state minimum liability only is $386.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive legally in the state. The state minimum liability only coverage costs $494 per year in Arizona.

Coverage limitsAverage annual cost
50/100/50 Liability Only$697
100/300/100 Liability with $500 Comp/Coll Deductible$1,617
Non-Owner State Minimum Liability Only$386
State Minimum Liability Only$494

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Arizona by city

Average car insurance cost in Arizona by age

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 $2,787 while for seniors it is $1,554. Here, the rate for young drivers is $1,233 more than the rate for senior drivers.

Statistics show that young drivers are more likely to be in a vehicle accident than 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. However, premiums start to rise again at 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 $2,625 per year or $219 per month and rate for a male young driver is $2,948 per year or $246 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

Average car insurance cost in Arizona for senior drivers

In Arizona, the cost of car insurance for a senior female driver is $1,533 per year or $128 per month and cost of car insurance for male senior driver is $1,575 per year or $131 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

Minimum car insurance requirements in Arizona

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Arizona Department of Insurance, the following are the required coverages and minimum coverage limits in Arizona:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $15,000

Cheapest cars to insure in Arizona

The Kia Seltos EX has the lowest average annual insurance premium at $1,494, followed closely by the Toyota C-HR Limited at $1,502. The difference in the cost of insuring these two models is $8 annually.

Make Model Average annual premium
Kia Seltos EX $1,494
Toyota C-HR Limited $1,502
Mazda MX-5 Miata Grand Touring $1,516
Chevrolet TrailBlazer ACTIV $1,521
Mazda CX-5 S $1,522
Mazda CX-30 S $1,527
Subaru Crosstrek 2.0I $1,540
Honda CR-V EX $1,542
Hyundai Venue SE $1,544
Subaru Forester 2.5I $1,559

Most expensive cars to insure in Arizona

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,741. However, the difference between the cheapest and most expensive cars to insure is $3,247 annually.

Make Model Average annual premium
Maserati Quattroporte $4,741
Maserati Ghibli Modena $4,276
Maserati Ghibli GT $4,224
Maserati Levante Trofeo $4,221
Maserati Ghibli Trofeo $3,893
Porsche 718 Boxster Spyder $3,822
Audi RS6 Avant Quattro $3,677
BMW M5 $3,676
Porsche 911 Turbo $3,492
BMW M8 Competition XDrive $3,486

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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 a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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