Arizona offers a picturesque landscape for drivers to explore. From the striking red rock formations of Sedona to the cacti-studded deserts and the stunning vistas of the Grand Canyon, this state provides a breathtaking backdrop for road trips and daily commutes alike. The highways, like the iconic Route 66, stretch across vast expanses, offering a sense of freedom and adventure to drivers. AZ state law requires that all drivers in the state have car insurance.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Drivers in AZ should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes so you can know what to expect when searching for a new policy.
Here is a breakdown of average costs from the cheapest local insurance providers in the state from our data set of used-car drivers who are single, middle aged and have a clean driving record:
Insurance Providers | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
Progressive: | $742 | $62 | $2,140 | $178 |
GEICO: | $805 | $67 | $2,411 | $201 |
Allstate: | $923 | $77 | $3,547 | $296 |
Farmers: | $1,066 | $89 | $3,372 | $281 |
State Farm: | $1,207 | $101 | $4,152 | $346 |
Average Cost: | $949 | $79 | $3,124 | $260 |
When comparing local car insurance premiums in Arizona, the city you live in will affect overall rates. Drivers living in more popular urban city areas often pay more than those who live in more rural areas with less population and potential for accidents. Use the table below to search for your city and see how much on average you should be paying locally for minimum and full coverage policies:
Arizona City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
Aguila | $1,029 | $86 | $3,337 | $278 |
Ajo | $781 | $65 | $2,839 | $237 |
Ak-Chin Village | $1,030 | $86 | $3,271 | $273 |
Alpine | $734 | $61 | $2,726 | $227 |
Amado | $742 | $62 | $2,673 | $223 |
Anthem | $1,079 | $90 | $3,420 | $285 |
Apache Junction | $1,034 | $86 | $3,205 | $267 |
Arizona City | $931 | $78 | $3,136 | $261 |
Arizona Village | $776 | $65 | $2,621 | $218 |
Arlington | $987 | $82 | $3,324 | $277 |
Avenue B and C | $877 | $73 | $2,892 | $241 |
Avondale | $1,235 | $103 | $3,867 | $322 |
Avra Valley | $942 | $79 | $3,133 | $261 |
Bagdad | $753 | $63 | $2,598 | $217 |
Bapchule | $1,000 | $83 | $3,096 | $258 |
See a more in depth guide for auto insurance costs broken down by popular cities in Arizona.
Arizona insurance providers use age as a significant factor that influences your auto rates and quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.
Here is a full breakdown of the average costs for car insurance by age in Arizona:
Age | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
17 | $3,036 | $253 | $9,498 | $792 |
18 | $2,633 | $219 | $8,430 | $703 |
20 | $1,821 | $152 | $6,070 | $506 |
22 | $1,505 | $125 | $4,824 | $402 |
24 | $1,300 | $108 | $4,223 | $352 |
29 | $1,009 | $84 | $3,403 | $284 |
34 | $948 | $79 | $3,162 | $263 |
39 | $952 | $79 | $3,156 | $263 |
44 | $957 | $80 | $3,157 | $263 |
49 | $942 | $79 | $3,105 | $259 |
54 | $911 | $76 | $2,966 | $247 |
64 | $921 | $77 | $2,922 | $243 |
74 | $1,169 | $97 | $3,516 | $293 |
76 | $1,274 | $106 | $3,775 | $315 |
The type of vehicle you drive in Arizona will affect the overall costs of car insurance.
To determine how much you can expect to pay for your auto insurance based on vehicle type we averaged multiple cost quotes in AZ and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.
We pulled data from Arizona insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:
Vehicle Type | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
Car (4door): | $975 | $81 | $2,731 | $228 |
Hybrid Electric: | $927 | $77 | $2,923 | $244 |
Luxury Coupe | $903 | $75 | $3,946 | $329 |
SUV | $878 | $73 | $2,376 | $198 |
Truck: | $1,067 | $89 | $3,208 | $267 |
Drivers of brand new vehicles can often expect to pay more to insure their vehicles since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models that lower your annual premiums.
We pulled insurance cost rates data for newer 2022-2023 vehicles below to give you an idea of the difference in coverage price for newer cars vs. used vehicles in Arizona:
Vehicle Type | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
Car (4door): | $907 | $76 | $3,093 | $258 |
Hybrid Electric: | $928 | $77 | $3,235 | $270 |
Luxury Coupe | $923 | $77 | $4,353 | $363 |
SUV | $911 | $76 | $2,815 | $235 |
Truck: | $1,041 | $87 | $3,792 | $316 |
Driving violations can have a significant impact on your car insurance costs in Arizona, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
Driving Violation | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
Clean Driving Record: | $734 | $61 | $2,603 | $217 |
1 Speeding Violation | $917 | $76 | $3,244 | $270 |
1 At-Fault Accident: | $1,053 | $88 | $3,553 | $296 |
1 DUI Violation: | $1,080 | $90 | $3,589 | $299 |
When comparing car insurance costs in Arizona, it’s essential to keep in mind that the rates can vary significantly based on several factors. Here are some key considerations when comparing car insurance costs in the state:
By carefully considering these factors and obtaining quotes from multiple sources, you can effectively compare car insurance costs in Arizona and make an informed decision that suits your needs and budget.
Arizona is a popular vacation destination, which means roads can be busy with local and visiting traffic. This is especially of note if you are a resident, as more cars equates to an increased risk of being involved in accident. Maintaining the proper level of insurance is not only smart, it’s the law.
Arizona state law requires that you carry liability insurance. The minimum amounts of coverage are:
Insurance companies notify the Arizona Motor Vehicle Division of all new policies, policy cancellations, and non-renewals. If the MVD receives a cancellation or nonrenewal notice from your insurance company, it sends an inquiry to verify the status. You face suspension of your license and registration if you don’t have insurance. You then have to pay fees to reinstate these.
Many insurance companies in Arizona offer discounts to drivers. These discounts apply to:
Information on your credit report can affect your rate. State law dictates how insurance companies use the information. Most companies use an insurance score, which is different from a financial score. Insurance companies must notify you if they take action because of the information in your credit report. The best way to save on auto insurance is to use a car insurance comparison site like insuranceQuotes to get the most affordable price on your auto insurance policy in Arizona.
If you move to Arizona, you are required to get an Arizona driver’s license and register your vehicle in the state. You must prove your age, identity, and that you can legally live in the United States to get a license. To register your vehicle in Arizona, your vehicle needs to pass an emissions test. You’ll also have to show proof of insurance.
Moving violations add points to your driving record based on the severity of the incident. The following chart shows what you can expect if you run afoul of the law.
Arizona reviews the driving records of all residents periodically. If you accumulate eight or more points within a 12-month period, you might have to attend Traffic Survival School or face a license suspension. That suspension remains in effect until you complete an application for reinstatement and pay the appropriate fines.
Premiums are a reflection of the country or statewide pool of losses for all insurers. Increases in costs to repair and replace vehicles and other property result in higher premiums.
You’ll want to compare price quotes from several different companies, as prices often vary greatly. Companies have different underwriting criteria and may specialize in low risk or high risk drivers. This ensures you get a good rate for the policy you want.
If you lease or finance your car, your lender may require collision and comprehensive auto coverage. This covers your vehicle for damages in the event of an accident. Even if you own your car outright, this coverage is a good way to protect yourself from potential financial disaster.
Yes. Arizona is among a majority of states that allow electronic proof of auto insurance at traffic stops. You simply have to have your insurance provider’s app downloaded onto your smartphone. You can also keep a PDF of your policy on your handheld device.