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Geico provides the cheapest full coverage car insurance in Arizona at about $1,033 a year. Your specific rates may vary, but the average full coverage car insurance premium in Arizona is $135 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Arizona is no exception. Arizona drivers are required to carry at least the minimum amount of liability coverage—$15,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Arizona?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Arizona, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Arizona

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Arizona is 4% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Arizona by company

Geico offers the cheapest full coverage car insurance in Arizona an average of $1,033 per year. It’s 36% less expensive than the average full coverage car insurance cost in Arizona. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Geico$1,033
Auto-Owners$1,130
Nationwide$1,130
Travelers$1,306
USAA$1,362
Mercury Insurance$1,407
State Farm$1,488
The Hartford$1,491
Progressive$1,807
Allstate$2,073
CSAA Insurance$2,187
Farmers Insurance$2,301

Full coverage car insurance cost in Arizona by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Arizona

Drivers living in the ZIP code 85009 pay the highest premiums at about $2,325 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Arizona.

ZIP codeFull coverage insurance cost
85009$2,325
85031$2,320
85017$2,294
85019$2,270
85035$2,250
85015$2,236
85051$2,217
85033$2,210
85007$2,177
85043$2,163

Least expensive ZIP codes for car insurance in Arizona

86403 ZIP code in Arizona has the cheapest full coverage auto insurance cost at an average price of $1,306 annually. Know the least expensive ZIP codes for car insurance in Arizona below.

ZIP codeFull coverage insurance cost
86403$1,306
85614$1,309
86444$1,311
86404$1,314
86401$1,322
86436$1,322
86438$1,323
86409$1,325
85622$1,327
85638$1,331

Arizona full coverage car insurance rate by age

Young drivers in Arizona tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 432% more than a 40-year-old mature driver in Arizona, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$6,512
Young drivers (age 20-24)$2,948
Adult drivers (age 25-64)$1,656
Senior drivers (age 65+)$1,606

Read our Guide to car insurance for teens for more information

Car insurance rates in Arizona by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Arizona

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 34% or $589 in Arizona, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Nationwide$1,232$1,46019%$228
Geico$1,014$1,65763%$643
Auto-Owners$1,238$1,69837%$461
State Farm$1,602$1,7429%$139
USAA$1,382$1,77829%$396
Travelers$1,365$1,97345%$608
Hartford$1,618$2,11731%$499
Mercury$1,495$2,33356%$838
Progressive$1,750$2,35234%$602
CSAA$2,329$2,85222%$522
Farmers$2,520$3,27330%$753
Allstate$2,285$3,50253%$1,217

Cheapest full coverage car insurance after an accident in Arizona

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

Geico offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1654 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Geico$1,014$1,65463%$640
Auto-Owners$1,238$1,69837%$461
State Farm$1,602$1,88117%$279
Nationwide$1,232$1,92556%$693
Travelers$1,365$1,92841%$564
USAA$1,382$2,10753%$725
Hartford$1,618$2,41249%$794
Progressive$1,750$2,81961%$1,069
Mercury$1,495$3,244117%$1,749
Allstate$2,285$3,26443%$978
CSAA$2,329$3,51251%$1,182
Farmers$2,520$3,82852%$1,308

Cheapest full coverage car insurance after a DUI conviction in Arizona

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,602$1,7429%$139
Progressive$1,750$2,00715%$257
Geico$1,014$2,085106%$1,071
Travelers$1,365$2,11155%$747
Auto-Owners$1,238$2,15974%$921
Mercury$1,495$2,17846%$684
Hartford$1,618$2,42750%$809
Nationwide$1,232$2,42997%$1,197
USAA$1,382$3,254136%$1,873
CSAA$2,329$3,81664%$1,487
Allstate$2,285$3,85469%$1,569
Farmers$2,520$4,64484%$2,124

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Arizona.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.