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

The Zebra
Nov. 12, 2018

Auto insurance is generally inexpensive in Arizona. The average car insurance cost in Arizona is $1,247 annually — 12.6% less than the US average.

Your auto insurance premiums are impacted by more than just your location. Car insurance premiums take into account a number of components, such as the insured party's marital status, driving history, credit rating, gender, and age.

We reviewed average Arizona car insurance rates by all of the primary rating factors. See below how much auto insurance costs in each US state — or enter your zip to receive personalized rates from top car insurers.


Find a great deal on car insurance today!



Average Arizona car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations

Average Auto Insurance Premiums in Arizona by Age

It’s a fact of life: as you grow older, your car insurance rates shift. Generally, car insurance is more expensive for teenage drivers, as insurers see inexperienced motorists as more risky.

In Arizona, car coverage runs $6,279 per year for a 16-year-old driver, versus $1,025 annually for a driver between 50 and 59 years of age.


ARIZONA CAR INSURANCE RATES BY AGE
AgeAverage 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

If you're shopping for car insurance for a teen driver, Arizona is the 26th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Expenditures in Arizona by Gender

While gender doesn’t have as significant an effect on auto insurance rates as a driver's location or age, it is used as a pricing factor by insurance companies.


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

If you're worried about getting the best deal with your active car insurance company, the best thing to do is to do some comparison shopping.




Average Car Insurance Premiums in Arizona by Marriage Status

A pro of wedlock — in addition to the wedding gifts — is the better deal you may get on auto insurance. In the state of Arizona, wedded drivers save $91 per year on car insurance policies. This is a better deal than the national average of $76.


ARIZONA CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,180.42
Married$1,089.35
Divorced$1,180.42
Widowed$1,157.80

Car insurance for divorced drivers in Arizona is the 35th most expensive in the nation. If you think you're overpaying for your policy, don't hesitate to shop around. You never know what savings you'll find!




Average Car Insurance Prices in Arizona by Credit Score

Car insurance companies utilize credit as a prediction of how reliable a prospective customer will be. Data trends indicate drivers who maintain excellent credit scores are often more dependable auto insurance customers: they less frequently file claims for which insurance companies pay.

In Arizona, a driver who holds unblemished credit can save $1,419.36 per year on auto insurance rates, compared to a driver saddled with a bad credit rating. Learn more about how credit history affects car insurance rates:


ARIZONA AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit TierAverage Annual 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

Finding inexpensive car insurance coverage with a low credit score is sometimes difficult. But we're here to provide some help. Check out our guide to finding auto insurance with bad credit and learn how to save!




Typical Car Insurance Premiums for Bad Drivers in Arizona

If you’re found at fault in a crash or convicted of a vehicular violation, your car insurance premiums are bound to grow. The more red flags you accumulate, the pricier your car insurance gets.

In Arizona, your first minor at-fault incident results in a penalty of $628.55 each year in auto insurance payments. A DUI — considered one of the most grievous driving infractions — may raise your yearly insurance rates in Arizona by an average of $815.50.


ARIZONA AUTO INSURANCE COSTS AFTER VIOLATIONS
AgeAverage Yearly Rate
DWI/DUI$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 facing above-average car insurance payments, it's worth getting quotes to find affordable insurance coverage that suits you.


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