Minimum car insurance requirements in Arizona
Arizona requires drivers to carry a minimum amount of insurance coverage to legally operate a vehicle, with liability limits of 25/50/15. Liability insurance helps pay for injuries and property damage you cause to others after an accident.
The table below outlines minimum car insurance requirements in Arizona.
| State Minimum Requirements | 25/50/15 |
| State minimum car insurance | $662 |
| Liability-only car insurance | $964 |
| Full coverage car insurance | $2,333 |
Average cost of car insurance in Arizona
Car insurance in Arizona costs around $2,333 annually for full coverage with 100/300/100 limits and $500 deductibles. Minimum coverage costs about $662 per year.
Rates change based on company, location, vehicle, driving history, and coverage choices.
| Average annual premium | $2,333 |
| Average monthly premium | $194 |
Cheapest car insurance companies in Arizona
Travelers has the cheapest average full coverage car insurance in Arizona.
Different companies calculate risk differently, so prices can vary significantly for the same driver. Comparing multiple companies can help drivers find lower prices and better coverage.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Travelers | $517 | $693 | $1,707 |
| GEICO | $435 | $692 | $1,796 |
| Progressive | $641 | $935 | $2,114 |
| Auto-Owners | $548 | $767 | $2,258 |
| Nationwide | $1,090 | $1,173 | $2,636 |
| Allstate | $683 | $1,123 | $2,846 |
| Farmers | $840 | $1,535 | $2,865 |
| State Farm | $776 | $1,082 | $2,883 |
| CSAA Insurance (AAA) | $1,098 | N/A | $4,965 |
| USAA | $480 | $672 | $1,880 |
Arizona car insurance rates by age group
Age plays a role in car insurance rates. In Arizona, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Arizona based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $8,882 |
| Young Adults (20-24) | $3,759 |
| Adults (25-60) | $2,329 |
| Seniors (65-75) | $2,376 |
Arizona car insurance costs by coverage level
Generally, Arizona minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Arizona car insurance costs based on coverage level below.
| State minimum car insurance | $662 |
| Liability-only car insurance | $964 |
| Full coverage car insurance | $2,333 |
Cheapest car insurance companies in Arizona by driver profile
Those with violations and accidents pay higher insurance rates. The highest rates in Arizona are for drivers with Bad Credit
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $2,333 | $3,625 | $1,292 | 55% |
| Bad Credit | $2,333 | $10,860 | $8,527 | 365% |
| Careless driving | $2,333 | $3,595 | $1,262 | 54% |
| Claims | $2,333 | $3,098 | $765 | 33% |
| DUI | $2,333 | $3,981 | $1,648 | 71% |
| Reckless driving | $2,333 | $3,897 | $1,564 | 67% |
| Speeding | $2,333 | $3,204 | $871 | 37% |
| Texting ticket | $2,333 | $3,078 | $745 | 32% |
How much does car insurance cost in Arizona per month?
The average monthly cost of car insurance in Arizona depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $55 | $662 |
| Liability Only - 50/100/50 BI/PD | $80 | $964 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $194 | $2,333 |
Car insurance discounts in Arizona
Drivers in Arizona can lower insurance costs by qualifying for discounts. Discount availability varies by carrierAn insurance carrier is the company that provides your car insurance policy and pays claims..
Common discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft discount
- Paperless discount
- Telematics discount
Compare discounts when shopping for coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Air Bags | $2,333 | $2,315 | $18 | 1% |
| Anti-Theft Device | $2,333 | $2,317 | $16 | 1% |
| Comp and Coll Deductibles | $2,333 | $2,017 | $316 | 13% |
| Days Advanced Purchase | $2,333 | $2,115 | $218 | 9% |
| Education | $2,333 | $2,236 | $97 | 4% |
| Electronic Funds Transfer | $2,333 | $2,238 | $95 | 4% |
| Electronic Signature | $2,333 | $2,195 | $138 | 6% |
| Homeowner | $2,333 | $2,192 | $141 | 6% |
| Lower Annual Mileage | $2,333 | $2,219 | $114 | 5% |
| Loyalty - Years Renewal With Company | $2,333 | $2,154 | $179 | 7% |
| Marital Status | $2,333 | $2,128 | $205 | 9% |
| Multi Policy | $2,333 | $2,121 | $212 | 9% |
| Paperless/Electornic Documents | $2,333 | $2,255 | $78 | 3% |
| Payment Type | $2,333 | $2,149 | $184 | 8% |
| Primary Use | $2,333 | $2,173 | $160 | 6% |
| Profession | $2,333 | $2,027 | $306 | 13% |
| Safety Devices | $2,333 | $2,265 | $68 | 3% |
| Telematics | $2,333 | $2,027 | $306 | 12% |
| Years Insured | $2,333 | $1,731 | $602 | 25% |
How to lower car insurance costs in Arizona
You can lower your car insurance premiums in Arizona by comparing quotes from multiple insurers, choosing a higher deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and maintaining a clean driving record.
Ways to save on car insurance include:
- Compare quotes from multiple insurers
- Raise deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a vehicle with lower repair costs
- Ask about available discounts
- Reduce optional coverage on an older vehicle
Review your policy regularly to ensure it continues to provide the right level of coverage at competitive rates.
Car insurance rates in Arizona by model year
The vehicle you drive also affects Arizona car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Arizona car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
Compare auto insurance rates by city in Arizona
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Arizona will impact what you pay. Below, we've gathered Arizona car insurance rates by city for comparison.
Car insurance premium trends in Arizona
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Arizona to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Car insurance rates are based on a sample driver profile with the following characteristics:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12-mile daily commute
- 10,000 annual miles driven
Full coverage rates are based on:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision deductible
- $500 comprehensive deductible
Additional rate data includes:
- State minimum coverage limits
- Teen, young adult, adult and senior drivers
- Poor, fair and excellent credit tiers
- Speeding tickets
- DUI convictions
- At-fault accidents
Rates are sourced from Quadrant Information Services and analyzed across multiple ZIP codes and insurers.
Car insurance in Arizona: FAQ
How much is car insurance in Arizona?
Car insurance in Arizona costs an average of $2,333 annually for full coverage and $662 per year for minimum coverage policies.
Which company has the cheapest car insurance in Arizona?
Travelers offers the cheapest average car insurance rates in Arizona.
What does full coverage car insurance include?
Full coverage insurance includes liability insurance and all coverage required by Arizona law, plus collision and comprehensive coverage for damage to your own vehicle.
Why does car insurance cost more after a DUI or accident?
Car insurance in Arizona costs an average of $2,333 annually for full coverage and $662 per year for minimum coverage policies.
Compare Arizona car insurance rates with other states
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