Car Insurance in Arizona
- Compare the cheapest car insurance quotes in AZ with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Here's what you need to know when driving in Arizona
The average car insurance rate in Arizona is $1,482 per year — 3% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Arizona car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Arizona based on these variables, or submit your ZIP code above to receive free quotes from top insurers.
The best car insurance companies in Arizona
American Family is the highest ranked insurance carrier in this region for the second year in a row, with a J.D. Power score of 850. They also recieved a star rating of 4.3 out of 5 in The Zebra's Customer Satisfaction Survey.
State Farm is the second highest rated carrier in the southwest with a score of 847, just three points behind American Family.
The cheapest car insurance companies in Arizona
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from GEICO at $416 annually, or $35 per month.
Rates for Progressive come in at $1,706 annually, or about $142 per month.
Rates from Travelers come in at $1,294 annually, or $108 per month.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Arizona auto insurance laws
Car insurance is mandatory in almost every state, including Arizona. If you choose the legal minimum coverage level in Arizona, expect to pay an average of $555 annually. This expenditure is more expensive than the nationwide average by 3%.
State minimum coverage
In Arizona, the state minimum coverage requirement is liability coverage with limits of:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage: $15,000 per accident
Optional coverage in Arizona (varying by carrier) includes:
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Bodily Injury
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Arizona, a full coverage insurance policy with a $1,000 deductible costs $1,302, 135% more than liability-only car insurance. For a full coverage policy with a $500 deductible, expect to pay 194% more than you would for basic coverage.
Compare car insurance rates from the best companies in Arizona.
Arizona car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Arizona.
Cheap auto insurance in Arizona for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Arizona, the average cost for minimum coverage is $46 per month, or $555 yearly — a savings of $1,076 compared to full coverage.
Cheap auto insurance in Arizona with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Arizona drivers with poor credit pay 59% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Arizona with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $722 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Arizona
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Arizona, teen drivers pay especially high rates: $5,998 per year — that's $1,202 more than the nationwide average and over twice as much as a typical Arizona driver.
Arizona auto insurance rate by violation
In Arizona, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,750||0%||$0|
|Two Med/PIP claims||$1,825||4%||$74|
|One comp claim||$1,826||4%||$76|
|Two comp claims||$1,918||10%||$168|
|Failure to wear a seat belt||$1,971||13%||$221|
|Driving without lights||$1,974||13%||$224|
|Child safety restraint||$1,974||13%||$224|
|Failure to show documents||$2,059||18%||$309|
|Driving with expired registration||$2,131||22%||$380|
|Wrong way/wrong lane||$2,195||25%||$445|
|Speeding 6 - 10 MPH over limit||$2,196||25%||$445|
|Failure to yield||$2,196||25%||$446|
|Following too closely||$2,196||25%||$446|
|Failure to stop at a red light||$2,196||25%||$446|
|Cell phone violation||$2,201||26%||$450|
|Texting while driving||$2,201||26%||$450|
|Speeding 11 - 15 MPH over limit||$2,235||28%||$485|
|Speeding in school zone||$2,245||28%||$494|
|Driving too slowly||$2,245||28%||$494|
|Speeding 16 - 20 MPH over limit||$2,253||29%||$502|
|In 65 MPH zone||$2,317||32%||$567|
|Speeding 21 - 25 MPH over limit||$2,326||33%||$576|
|Passing school bus||$2,326||33%||$576|
|At-fault accident - less than $1000||$2,404||37%||$654|
|Operating a vehicle without permission||$2,454||40%||$703|
|At-fault accident - $1000-$2000||$2,570||47%||$820|
|At-fault accident - greater than $2000||$2,598||48%||$847|
|Driving with a suspended license||$2,977||70%||$1,227|
|Refusal to submit to a chemical test||$3,360||92%||$1,609|
|Leaving scene of an accident/hit and run||$3,471||98%||$1,721|
Arizona DUI laws
In Arizona, a DUI offense can increase your annual car insurance premium by an average of $876. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Arizona
If you're convicted of a DUI or DWI violation in Arizona, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Arizona, Progressive, advertises annual rates 6% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Arizona is Travelers, while the priciest firm is GEICO, with prices 217% above average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Arizona SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Arizona to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Arizona might require some research, but it could pay off in the end.
How to acquire an SR-22 in Arizona
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
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Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Valle Vista, Arizona, and the most expensive in Phoenix, Arizona.
Have a look at the table below to see average car insurance costs in some of Arizona biggest cities.
Car insurance price trends in Arizona
In Arizona, average annual auto insurance costs increased by $18 in the past year. A typical Arizona driver pays an average of $1,482 per year.
Year over year pricing trends in Arizona tends to be more volatile compared to rates across the United States. The steepest decrease occurred from 2015 to 2016, while the highest surge took place from 2017 to 2018. In recent years, premiums in Arizona have seen less drastic jumps.
|Year||Avg. Annual Premium — Arizona||Yearly change — AZ||Avg. Annual Premium— U.S.||Yearly Change — U.S.|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Arizona car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Arizona auto insurance.
Who has the cheapest car insurance in Arizona?
Travelers has the cheapest rates in Arizona at $1,294 for a full coverage policy. GEICO and USAA also have cheap rates. Get started to see options for all the top companies in AZ.
What is the average cost for car insurance in Arizona?
Our data showed the average for car insurance in AZ was $1,482 per policy period, or about $124 per month.
Why is car insurance so expensive in Arizona?
Car insurance in Arizona is about 3% less expensive than average. This is due to population size, number of uninsured drivers, and insurance companies' revenue loss via claims.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.