Are Auto Insurance Rates Trending Up in Arizona?

As many drivers can attest, insurance rates tend to rise each year. But the reasons for auto insurance rate fluctuations vary, and rate hikes aren't always the prevailing trend.

Location is one of the rating factors insurance companies use to set rates. The state, city, and ZIP code within which a car is stored and driven are weighed when setting car insurance rates — a phenomenon that comes down to state law and the risks associated with insuring cars in varying areas.

Due to the dynamic nature of car insurance pricing, year-over-year rate trends vary widely by state. Auto insurance prices might be increasing each year in one state but decreasing for drivers a single state over.

Please see trending auto insurance rates in Arizona. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison tool provides quotes based on your specific profile — enter your ZIP below to get started.


Car insurance price trends in Arizona


In Arizona, average yearly auto insurance premiums went up by $35 from 2017 to 2018. A driver in Arizona typically faces an average rate of $1,295 each year.

The recent trend in Arizona leans toward more expensive auto insurance rates. From 2015 to 2018, rates grew more expensive by an average of $231 per year. At the same time, auto insurance costs across the United States have increased in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.


ANNUAL INSURANCE RATE TRENDS IN ARIZONA
Year Avg. Annual Premium — Arizona Yearly Change — Arizona Avg. Annual Premium — US Yearly Change — US
2018 $1,295 $35 $1,470 $32
2017 $1,260 -$42 $1,437 $69
2016 $1,302 $238 $1,368 $88
2015 $1,064 $12 $1,280 $51
2014 $1,052 $86 $1,229 $34
2013 $966 -$32 $1,195 -$80
2012 $998 -$30 $1,276 $82

If your policy pricing trend doesn't align with the above, the best step to take is to shop around.


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How are car insurance rates changing in the largest cities in Arizona?


Auto insurance policies are priced at the ZIP code level with a variety of location-specific variables impacting how much you pay. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. As an example, drivers in Phoenix faced a bigger year-over-year rate increase (4.2%) than their intrastate neighbors in Chandler (4.1%) between 2018 and 2017.

See below yearly rates of change in the largest cities in Arizona If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.


City Avg. Rate Increase — 2018 vs. 2017
Phoenix 4.2%
Chandler 4.1%
Mesa 4.0%
Glendale 3.9%
Tucson 3.9%

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Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver