When you’re shopping for car insurance in Arizona, knowing the average cost of coverage can be helpful. That way, you can compare it to the quotes you’re receiving.
A number of factors can influence how much you pay for car insurance. Besides geography, insurers may consider your driving record, age, gender, credit score, car type, and level of coverage. Rates can also vary by insurance company, which is why it may make sense to shop around.
Here’s a look at the average cost of car insurance in Arizona and how different factors may impact what drivers there pay for protection.
Table of Contents
- How Much Does Car Insurance Cost in Arizona?
- Average Car Insurance Cost in Arizona per Month
- Average Car Insurance Cost in Arizona by City
- Average Car Insurance Cost in Arizona by the Age and Gender of the Driver
- Average Car Insurance Rates After an At-Fault Accident
- Average Car Insurance Costs for Good and Bad Credit
- What Else Affects Your Car Insurance Cost?
- How to Get Affordable Car Insurance
- FAQ
Key Points
• Arizona drivers pay an average of $2,429 annually for car insurance, which is higher than the national average of $2,012.
• Insurance rates in Phoenix are the highest among Arizona cities.
• Younger drivers, particularly males, generally face higher insurance premiums.
• Arizona drivers with poor credit scores typically pay more for car insurance.
• Accidents or traffic violations can lead to increased insurance rates.
How Much Does Car Insurance Cost in Arizona?
Drivers in Arizona pay an average of $2,429 per year for car insurance coverage, according to a 2025 U.S. News & World Report analysis of cheap car insurance companies. This is higher than the national average of $2,012 per year.
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Average Car Insurance Cost in Arizona per Month
The average monthly cost of car insurance in Arizona is $202.42, which is higher than the national monthly average of $167.67. As the chart below shows, the amount you pay can vary by insurer.
| Company | Average Cost per Month | Average Annual Cost |
|---|---|---|
| Allstate | $247.33 | $2,968 |
| Farmers | $239.42 | $2,873 |
| Root | $116.17 | $1,394 |
| Geico | $137.50 | $1,650 |
| Mercury | $175.50 | $2,106 |
| Nationwide | $209 | $2,508 |
| Progressive | $133.83 | $1,606 |
| State Farm | $171.17 | $2,054 |
| The Hartford | $167.92 | $2,015 |
| Travelers | $120.42 | $1,445 |
| USAA | $143.92 | $1,727 |
Source: U.S. News & World Report
Average Car Insurance Cost in Arizona by City
Where you live can impact how much you’ll pay for car insurance. That’s because when determining how much to charge for coverage, insurers often take into account factors such as the local rates of traffic, accidents, and crime.
As a general rule, people living in cities tend to pay more for car insurance than those residing in small towns or rural areas. And as the chart below shows, the amount can also vary depending on which city you call home.
Here are estimates for the seven biggest cities in Arizona, in order of population:
| City | Average Cost per Month | Average Annual Cost |
|---|---|---|
| Phoenix | $256 | $3,071 |
| Tucson | $210 | $2,518 |
| Mesa | $220 | $2,646 |
| Gilbert | $217 | $2,601 |
| Chandler | $214 | $2,569 |
| Glendale | $249 | $2,989 |
| Scottsdale | $224 | $2,686 |
Source: Bankrate.com
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Average Car Insurance Cost in Arizona by the Age and Gender of the Driver
Your age can affect premium prices. In general, younger, newer drivers tend to pay higher premiums because they often have more accidents than older, more experienced drivers.
Gender can also play a role in costs. Women often pay lower premiums than men because they tend to get into fewer severe accidents.
| Age of Driver | Average Annual Cost for Male Drivers | Average Annual Cost for Female Drivers |
|---|---|---|
| 17 | $8,691 | $7,605 |
| 25 | $3,048 | $2,879 |
| 60 | $2,165 | $2,001 |
Source: U.S. News and World Report
Average Car Insurance Rates After an At-Fault Accident
Your driving record matters, and car insurance rates can go up after an accident or traffic violation. For example, drivers in Arizona with one accident on their record pay an average rate of $3,571 per year for coverage, or $1,142 more than the state average of $2,429. One speeding ticket can boost a driver’s average annual rate to $3,036, or $607 higher than the state average. And a conviction for driving under the influence can raise a motorist’s annual rate to, on average, $3,694, which is $1,265 higher than the state average.
Average Car Insurance Costs for Good and Bad Credit
Some states prohibit insurance companies from pulling your credit report, but it’s allowed in Arizona — and the results could impact how much your coverage costs. Drivers with bad credit could end up paying hundreds more per year for car insurance. An analysis from U.S. News and World Report found that drivers with poor credit pay an average of $4,549 per year for auto insurance, while those with good credit pay around $2,429.
What Else Affects Your Car Insurance Cost?
Let’s look at other factors that can influence how much you might pay for car insurance.
Insurance History
Drivers who have allowed their coverage to lapse might be more likely to cancel their policy or present other risks for insurers, so having a continuous insurance history may qualify you for a lower rate. This will likely hold true whether you’re switching car insurance carriers or seeking to have a policy reinstated after going a few years without one.
Make and Model of the Car
When setting a rate, insurance companies often consider how expensive it would be to repair or replace the driver’s car. The higher these costs are, the more the driver will likely pay for coverage. However, if you have a newer car that’s equipped with more safety features, you may be eligible for a lower rate.
Marital Status
Married drivers may qualify for more discounts than single drivers, since insurers often place them in a different risk category.
Amount of Coverage
How much car insurance do you need? The answer depends on a number of factors, including the state’s minimum car insurance requirements, your budget, and your lifestyle. As a rule of thumb, the more coverage you have, the more expensive your policy will probably be.
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How to Get Affordable Car Insurance
The cost of coverage varies by insurer. To find affordable coverage, it can be a good idea to shop around and compare quotes from various online insurance companies.
First, however, you’ll want to figure out how much car insurance you need. Keep in mind your state’s minimum car insurance requirements as well as any additional coverage you may need.
If you’re looking to lower your car insurance, there are several strategies to consider. You may want to explore different policy options; look for bundling opportunities if you can get your home and auto insurance from the same company; ask about possible discounts; and consider whether a policy with a higher deductible makes sense for you.
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The Takeaway
Drivers in Arizona pay an average of $2,429 per year for car insurance, which is higher than the national average of $2,012 per year. But as in most states, the amount you’ll pay in Arizona can depend on a wide range of factors, such as your age, gender, driving record, credit score, and even where you live. Shopping around and considering exactly what kind of coverage you need may help you find a policy that works for you.
When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.
FAQ
How much is full coverage car insurance in Arizona?
The average cost of car insurance in Arizona is $2,429 annually, which breaks down to $202.42 monthly. Your costs may be different, depending on your age, gender, driving record, credit scores, the area you live in, and other factors.
Is $300 per month a lot for car insurance in Arizona?
In many cases, the average monthly cost for coverage is below $300. But premium amounts vary based on a number of factors. A 17-year-old male driver, for example, could very well pay more than $300 per month because of his age and lack of driving experience.
How much car insurance should I have in Arizona?
Arizona requires the following minimum coverage limits: $25,000 for one person (not yourself) who sustains injury or death in an accident; $50,000 for two or more people (not including you) sustaining injury or death; and $15,000 for another party’s property damage. You can have additional coverage that covers other situations, such as your medical bills and theft.
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