Average Cost of Car Insurance in Arizona

By Kelly Boyer Sagert. January 29, 2025 · 6 minute read

This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature.

Average Cost of Car Insurance in Arizona

When you’re shopping for car insurance in Arizona, it can help to know the average cost of coverage. That way, you can compare the figure to the quotes you’re receiving.

Of course, 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 makes sense to shop around.

Here’s a look at the average cost of car insurance in Arizona and how different factors may impact how much drivers there pay for protection.

Key Points

•   Arizona drivers pay an average of $1,626 annually for car insurance, which is lower than the national average of $2,068.

•   Insurance rates in Phoenix are the highest among Arizona cities.

•   Younger drivers, particularly males, 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 $1,626 per year for car insurance coverage, according to a 2025 U.S. News & World Report analysis of cheap car insurance companies. This is lower than the national average of $2,068 per year.

Average Car Insurance Cost in Arizona Per Month

The average monthly cost of car insurance in Arizona is $135.50. That’s lower than the national monthly average of $172.33. As the chart below shows, the amount you pay can vary by insurer.

Company Average Cost per Month Average Annual Cost
Allstate $176.92 $2,123
Farmers Insurance $158.50 $1,902
Geico $103.33 $1,240
Mercury $129.92 $1,559
Nationwide $128.33 $1,540
Progressive $114.25 $1,371
State Farm $111.08 $1,333
The General $252.92 $3,035
Travelers $90.42 $1,085
USAA $102.33 $1,228

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 local rates of traffic, accidents and crime. As a general rule, people living in cities tend to pay more for car insurance than those living in small towns or rural areas. And as the chart below shows, that amount can also fluctuate depending on which city you call home. Here are estimates for five of the biggest cities in Arizona:

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City Average Annual Cost
Chandler $1,938
Mesa $1,976
Phoenix $2,251
Scottsdale $1,958
Tucson $1,879

Source: Insure.com

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Average Car Insurance Cost in Arizona By the Age and Gender of the Driver

Your age can impact premium prices. In general, younger, newer drivers tend to pay higher premiums because they tend to have more accidents than older, more experienced drivers. Gender can play a role in costs, too. 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 $6,324 $5,527
25 $2,026 $1,901
60 $1,452 $1,336

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 $2,373 per year for coverage, or $747 more than the state average. One speeding ticket can boost a driver’s average annual rate to $2,035, or $409 higher than the state average. And one driving under the influence (DUI) offense may raise the average annual rate to $2,412, or $786 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 LendingTree found that drivers with poor credit pay an average of $4,088 per year for full coverage insurance, while those with good credit pay around $2,096.

What Else Affects Your Car Insurance Cost?

Let’s look at other factors that can impact how much someone pays for car insurance.

Insurance History

Drivers who allow their coverage to lapse may be more likely to cancel their policy, so having a reliable history with one insurer may qualify you for a lower rate. In fact, it’s possible you’ll get a better quote when switching car insurance carriers than if you purchased insurance after going a few years without it.

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 your 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 likely be.

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How to Get Affordable Car Insurance

The cost of coverage varies by insurer. To find affordable coverage, it’s a good idea to shop around and compare quotes from various online insurance companies.

But first, 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 additional coverage you may need.

Looking to lower your car insurance? There are several strategies to consider. You may want to explore different policy options; look for bundling opportunities, such as getting 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.

The Takeaway

Drivers in Arizona pay an average of $1,626 per year for car insurance, which is lower than the national average of $2,068 per year. But as in most states, the amount you 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. You can search online insurance companies and compare multiple car insurance rates.

When the unexpected happens, it’s good to know you have a plan to protect your loved ones and your finances. SoFi has teamed up with some of the best insurance companies in the industry to provide members with fast, easy, and reliable insurance.

Find affordable auto, life, homeowners, and renters insurance with SoFi Protect.

FAQ

How much is full coverage car insurance in Arizona?

The average cost of car insurance is $1,626 annually, which breaks down to $135.50 monthly. Your costs may be different, depending on your age, gender, driving record, credit scores, the city or town you live in, and more.

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 who sustains injury or death in an accident; $50,000 for two or more people sustaining injury or death; and $15,000 for property damage (other people’s). You can have more than that amount but not less.


Photo credit: iStock/twildlife

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