Average Car Insurance Cost in Arizona (2025)
Drivers in Arizona pay an average of $126 per month for car insurance.
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The average monthly cost of car insurance in Arizona is $158 for full coverage and $94 for liability-only coverage. Drivers in Arizona pay slightly less than the national monthly averages of $182 for full coverage and $103 for liability-only coverage.
Arizona car insurance premiums may be less than the national average because the state has relatively infrequent car thefts and fewer uninsured drivers.1 2 But as auto insurance premiums have risen across the U.S. in recent years, they’ve also increased in the Grand Canyon State, indicating that rates could continue to climb.
How much is car insurance in Arizona?
The average premium in Arizona for full coverage is $158 per month, or $1,900 per year. Full coverage includes liability, comprehensive, and collision coverage, which help pay for repairs to your vehicle.
State-minimum coverage costs an average of $94 per month, or $1,125 per year. Liability-only insurance meets Arizona’s requirements, but it doesn’t pay for your medical expenses or car repairs.
For comparison, Arizona’s car insurance costs are slightly cheaper than those in neighboring New Mexico, but drivers in California pay significantly higher premiums.
How Arizona car insurance rates have changed over the past two years
The average yearly price for full-coverage car insurance in Arizona peaked at more than $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, and they remain more expensive than in Arizona.
See how Arizona car insurance prices have changed over the past two years below.
Average Arizona car insurance rates by city
Your location influences how much you pay for insurance, and premiums in Arizona vary from city to city. Rates tend to be more expensive in big cities with more drivers.4 And since accidents and vehicle thefts occur more often in populated areas, this leads to higher premiums.
Glendale and Phoenix — two of the biggest cities in the state — have some of the highest average car insurance premiums in Arizona, based on Insurify data. In contrast, Lake Havasu City and Flagstaff, which are smaller, have lower premiums.
The following table shows average car insurance premiums in several Arizona cities:
Average Arizona car insurance rates by age and gender
Your age and gender affect how much you pay for insurance. In general, teens pay the highest car insurance rates because they lack experience and are more likely to get into accidents than older drivers.5 Rates decrease with age as drivers gain experience behind the wheel, with senior drivers paying the lowest rates. But rates start to increase at age 70, as slower reflex times can contribute to accidents.6
Male drivers often pay slightly higher insurance premiums than female drivers because they tend to have more accidents.7
Below, you can see the average car insurance premiums in Arizona for male and female drivers in different age groups:
Average cost to insure popular vehicles in Arizona
The make and model of your vehicle also affect your car insurance premium. For example, in Arizona, insuring a Toyota RAV4 costs significantly less than insuring a Tesla Model Y. Factors contributing to your car insurance rate include the cost of repairs and your vehicle’s value.
Below, you can see some of the most popular vehicles in Arizona, according to Edmunds, and the average cost of insuring each one, according to Insurify data. These cars rank among the bestselling models in Arizona because of their reliability and capability in both urban areas and rugged regions.
How your driving record affects car insurance rates in Arizona
Your driving record plays a significant role in your car insurance premium. You’ll usually pay lower rates if you have a clean driving record than if you have speeding tickets or at-fault accidents. Plus, insurance companies often offer a discount to accident-free customers.
For example, Arizona drivers with an accident on their record pay almost 39% more for car insurance than drivers with a clean record. A DUI conviction raises rates by nearly 60%.
The table below shows the average rates for a sample Arizona driver profile with various incidents on their record:
In Arizona, car insurance companies can use your credit history to determine your car insurance rates.8 That means your credit history can affect the cost of your policy. Drivers with excellent credit typically pay lower rates, as insurers may consider drivers with a limited credit history or poor credit to be at a higher risk for filing claims.
The following table highlights the average cost of car insurance in Arizona for drivers in different credit tiers:
How to lower your insurance costs in Arizona
You can potentially reduce your insurance costs in Arizona with these tips:9
Arizona average car insurance cost FAQs
The information below can help you find the best coverage in the Grand Canyon State.
In Arizona, the average annual car insurance premium is $1,900 for full coverage and $1,125 for state-minimum coverage. The average cost of car insurance in Arizona is slightly less than the U.S. national average, which is $2,188 per year for full coverage and $1,235 for liability-only coverage.
The cheapest car insurance company in Arizona is Mile Auto, with an average monthly rate of $61, Insurify data shows. But the cheapest car insurance company for you may be different based on your unique driver profile and coverage needs.
The average cost of car insurance in Arizona is $158 per month for full coverage and $94 per month for state-minimum coverage. Your age, coverage amount, deductibles, and insurance company all affect your premiums.
The best car insurance companies in Arizona include State Farm, USAA, and Progressive. But there isn’t a single best insurance company for every driver. To find the best car insurance for your needs and preferences, it’s important to shop around and compare multiple insurers.
Arizona drivers must have at least 25/50/15 in personal liability insurance. That includes:
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$15,000 in property damage liability coverage per accident
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