What's the Average Cost of Car Insurance in Arizona?

The Zebra
Oct. 12, 2018

Car insurance is generally inexpensive in Arizona. The average car insurance rate in Arizona is $1,247 annually — 12.6% less than the national average.

Your auto insurance rates are dictated by factors aside from state lines. Auto insurance rates take into account myriad factors, including a driver's driving record, credit history, gender, age, and marital status.

We analyzed average Arizona car insurance rates by all of the main pricing factors. See below how much car insurance costs in your state — or submit your zip code to view unique quotes from leading insurance companies.


Mean Car Insurance Rates in Arizona by Age

It's a common phenomenon: as you get older, your car insurance premiums change. Generally, auto insurance is more expensive for young drivers, as car insurance companies view inexperienced drivers as more risky.

In Arizona, auto insurance costs $6,279 annually for a 16-year-old driver, but only $1,025 yearly for a driver in their 50s.


ARIZONA CAR INSURANCE PRICES BY AGE
Age Average Yearly Premium
16 $6,278.78
17 $5,672.25
18 $4,938.33
19 $2,919.05
20s $1,579.72
30s $1,160.93
40s $1,109.32
50s $1,025.45
60s $1,076.14
70s $1,374.51



Mean Car Insurance Premiums in Arizona by Gender

While gender does not have as significant an impact on auto insurance rates as a driver's location or experience level, it is incorporated as a rating factor. Men pay less than do women for car insurance in Arizona, but the difference is just $2.13 annually.

ARIZONA AUTO INSURANCE PRICES BY GENDER
Gender Average Yearly Cost
Male $1,180.42
Female $1,182.56



Average Auto Insurance Premiums in Arizona by Marital Status

One benefit of getting married — aside from the wedding gifts — is the improved deal you often get on your car insurance policy. In Arizona, wedded drivers save $91 per year on car insurance policies. This is more than the national post-nuptial discount of $76.


ARIZONA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,180.42
Married $1,089.35
Divorced $1,180.42
Widowed $1,157.80



Average Auto Insurance Rates in Arizona by Credit History

Car insurance companies use credit to predict the reliability of a prospective client. Trended data show drivers with good credit histories are usually more dependable auto insurance clients: they are less likely to file claims , saving insurance companies claims payout costs.

In Arizona, a motorist with exceptional credit can save $1,419.36 annually in insurance payments, compared to a driver saddled with a poor credit history. Learn more about how credit can affect auto insurance outlays:


ARIZONA CAR INSURANCE EXPENDITURES BY CREDIT TIER
Credit Score Average Yearly Premium
Very Poor (300-579) $2,443.66
Fair (580-669) $1,915.90
Good (670-739) $1,529.22
Very Good (740-799) $1,238.79
Exceptional (800-850) $1,024.30



Average Auto Insurance Prices for Bad Drivers in Arizona

If you've been determined to be to be at fault in a car crash or convicted of an on-road violation, your auto insurance premiums are bound to grow. The more infractions you accumulate, the more costly your auto insurance gets.

In Arizona, your first minor at-fault accident results in a penalty of $628.55 annually in car insurance payments. A DWI — thought of as one of the most serious vehicular infractions — will raise your annual car insurance costs in Arizona by as much as $815.50.


ARIZONA CAR INSURANCE COSTS AFTER INFRACTIONS
Age Average Yearly Rate
DUI/DWI $2,062.57
Reckless Driving $2,756.46
At-Fault Accident (<$1,000) $1,875.62
At-Fault Accident ($1,000-$2,000) $2,146.11
At-Fault Accident (>$2,000) $1,875.62
Open Container $1,967.76
Speeding (21-25 MPH > limit) $1,810.51
Speeding (16-20 MPH > limit) $1,810.51

If you're tired of dealing with expensive car insurance, think about shopping around to find inexpensive coverage that suits your needs.


Find a great deal on car insurance today!

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