Arizona car insurance calculator

Why you can trust Insure.com

Quality Verified

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.

If you’re a driver in the Arizona, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our Arizona car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in Arizona, based on your vehicle make and model, helping you make informed decisions.

Arizona car insurance calculator

Select Year

Vehicle Make

Vehicle Model

State

Reset

Vehicle already present. Please select a different vehicle.

Matching results for your car

Year

State

State Minimum Coverage

Liability Coverage

Full Coverage

Reset

*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.

How much is vehicle model important in calculating car insurance in Arizona

In Arizona, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $1,630 a year for a full coverage policy, whereas average insurance premiums in Arizona for a Toyota 4Runner Limited is $1,782 annually – that’s $152 more compared to Acura ILX 2.4L.

How insurers calculate car insurance in Arizona using car model year

In Arizona and many other areas, the year your car was made can affect your car insurance costs. For instance, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $1,470 per year for insurance. On the other hand, the insurance rate for a 2022 Chevrolet Blazer 2LT is $1,740 annually.

Does the cost of car insurance in Arizona decrease as a vehicle gets older?

In general, car insurance costs decrease for older car models in Arizona. As a vehicle ages, it typically loses value due to depreciation. Since car insurance covers the cost of repair or replacement of a vehicle, the insurance company’s liability decreases when insuring an older vehicle. This results in lower Arizona car insurance premiums.

Individuals driving a 2020 Honda Accord LX in Arizona pay $135 monthly for a full coverage car insurance policy; conversely, car insurance for the 2022 Honda Accord LX costs every month in Arizona is $139 which is $4 more than the 2020 model.

Older vehicles may be less attractive to thieves than newer models with advanced security features. The lower risk of theft can also lead to lower insurance premiums.

You might find interesting

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 city

Car insurance cost estimate in Arizona

The average premium for car insurance in Arizona is $1,617 per year or $135 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Arizona for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$697	$1,617	$386	$494

The bottom line: Arizona car insurance calculator

The car insurance calculator for Arizona figures out your rates using things like where you are and the year, make, and model of your vehicle. Just put in your details, and the calculator gives you an idea of what you might pay. Keep in mind that rates can differ, so it’s smart to get quotes from a few different insurance companies to find the best deal for what you need.