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Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers. Updated Nov 01, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X The 2022 average cost of full coverage car insurance in Arizona is $1,743 per year, or about $145 per month, according to Bankrate's analysis of average rate data from Quadrant Information Services for 345 ZIP codes in the Grand Canyon state. But when shopping for car insurance in Arizona, many factors can determine your final premium, including the coverage you choose, driving record and more. Understanding average car insurance rates in Arizona and how they compare to national and regional average rates might help you find the right provider for your needs. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Key takeaways The average cost of full coverage car insurance in Arizona is about on par with the national average, which is $1,771 per year. Drivers in Arizona pay about 20% less for full coverage car insurance than the drivers in California, but about 17% more than drivers in New Mexico. How much does car insurance cost in Arizona
Based on Bankrate's 2022 study of car insurance rates sourced from Quadrant Information Services, Arizona drivers pay an average of $1,743 for full coverage per year, and $579 per year for minimum coverage car insurance. Both rates are about on par with the national average . However, there are numerous rating factors that impact how much you'll pay. The biggest of these include where you live within Arizona and the types and level of coverage you choose. The you pick, your age, gender, credit score, driving history and vehicle type will also affect your premium. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Average annual minimum coverage premium Average annual full coverage premium $579 $1,743 Arizona car insurance rates by city
in plays a large role in how much you pay for car insurance. The cost of medical care in a given city can impact how much and medical payments coverage costs, and the cost for vehicle repairs can impact the premium for , comprehensive and collision coverage. Generally, larger cities have higher costs of living, and thus higher average car insurance rates. For this reason, car insurance in larger cities like Phoenix and Glendale tends to be more expensive compared to the state average, especially when compared to smaller cities like Tucson and Chandler. City Average annual minimum coverage premium Average annual full coverage premium Chandler $595 $1,687 Gilbert $602 $1,704 Glendale $699 $2,020 Mesa $611 $1,748 Peoria $620 $1,810 Phoenix $708 $2,064 Scottsdale $607 $1,752 Surprise $563 $1,690 Tempe $628 $1,782 Tucson $549 $1,666 Arizona car insurance rates by insurance company
Every has its own unique rating algorithm to determine its own risk profile and calculate how much you'll pay for car insurance. Because of this, rates for the same amount of coverage will vary by provider. The providers below are the top 19 car insurance companies by market share in Arizona. As you can see, rates are quite a bit different. Insurance company Average annual minimum coverage premium Average annual full coverage premium Average annual minimum coverage premium $659 Average annual full coverage premium $1,768 Average annual minimum coverage premium $648 Average annual full coverage premium $1,580 Average annual minimum coverage premium $480 Average annual full coverage premium $2,566 Average annual minimum coverage premium $1,058 Average annual full coverage premium $2,876 Average annual minimum coverage premium $541 Average annual full coverage premium $1,999 Average annual minimum coverage premium $710 Average annual full coverage premium $1,833 Average annual minimum coverage premium $294 Average annual full coverage premium $948 Average annual minimum coverage premium $546 Average annual full coverage premium $1,346 Average annual minimum coverage premium $420 Average annual full coverage premium $1,294 Average annual minimum coverage premium $553 Average annual full coverage premium $1,520 Average annual minimum coverage premium $532 Average annual full coverage premium $1,636 Average annual minimum coverage premium $775 Average annual full coverage premium $2,378 Average annual minimum coverage premium $746 Average annual full coverage premium $2,108 Average annual minimum coverage premium $496 Average annual full coverage premium $1,516 Average annual minimum coverage premium $369 Average annual full coverage premium $1,181 Average annual minimum coverage premium $398 Average annual full coverage premium $1,301 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Arizona car insurance rates by age
Car insurance companies also use age as a rating factor, with younger drivers tending to pay the most for insurance and drivers between the ages of 50 and 60 having the . ; their inexperience lends itself to a higher risk for accidents. Elderly drivers may also see their rates begin to rise again, because can affect driving habits. The tables below show average car insurance rates for a range of age groups. All profiles are based on drivers with a clean driving record. Average cost of car insurance for drivers on their parent s policy
Adding a new and young driver to your car insurance policy can be expensive. Young drivers lack the years of experience behind the wheel compared to older drivers, and may make more reckless decisions. Still, when it comes to , there are still ways to save. Consider specific for young drivers and even trying out a telematics program to help with building safe driving habits. Age Average annual premium for full coverage in Arizona $4,044 $3,798 $3,514 $3,263 $2,807 Average cost of car insurance for drivers on their own policy
Once young adult drivers have their own separate policy, they still could be paying higher premiums compared to middle-age drivers, but the cost is significantly lower compared to a newly licensed 16-year-old driver in Arizona. Average car insurance rates for each subsequent age demographic also continues to decline, but actual rates could vary due to various and the amount of claims an insurance company may have experienced. Age Average annual premium for full coverage in Arizona Age 18 $5,358 $2,075 $1,863 $1,743 $1,553 Arizona car insurance rates by driving record
Having a driving incident like a speeding ticket, at-fault accident or a DUI conviction on your record will likely increase your Arizona auto insurance rates. These incidents could cause insurance companies to view you as a , meaning you are more likely to cause accidents and file claims in the future. However, every car insurance company calculates rates differently, so you may be able to shop around and find a if you have recently seen a rate increase due to your driving record. Understanding the average cost increase associated with various driving incidents might help you know if your policy premium is within a normal range. Driving incident Average annual full coverage premium in Arizona % increase of average annual premium Clean driving record $1,743 0% $2,216 27% $2,504 44% $3,379 94% Arizona car insurance rates by vehicle type
One of the biggest factors in determining your car insurance rates in Arizona is the . Each comes with its own statistical crash data, price of parts and labor and safety features. The vehicles below could fit a variety of lifestyles and budgets, and give an idea of how much car insurance might cost. Vehicle Average annual full coverage premium $2,443 $1,618 $1,594 $1,844 How to save on car insurance in Arizona
Average car insurance costs in Arizona might be close to the national average, but there may be opportunities to save a little bit more money. By utilizing some of these tips below, you may be able to save on your auto insurance policy: Take a defensive driving course. Some car insurance companies offer discounts to drivers who take an approved safe driving course. Though you will typically need to pay for the class upfront, you could receive the discount for multiple years, which may result in significant savings. Use a telematics program. Many car insurance companies offer their own that track and reward safe driving habits. If you're already a safe driver or want to improve, this could be a useful opportunity. Understand your deductible. If you have comprehensive and collision coverage in your policy, your deductible would need to be paid out of pocket for a covered claim while the insurance company covers the rest. A higher deductible can result in savings, but it's important to make sure that your deductible is something you can afford at any time. Look for all discount opportunities. If you're a teen driver and are still in school, are part of a specific organization or employed in a particular field, you may be able to qualify for special discounts. Check with your insurance provider for a full list of discounts to see if any may apply to you. Frequently asked questions
The average cost of minimum coverage in Arizona is $579 per year, or about $48 per month, according to Bankrate’s analysis of rate data. In Arizona, drivers are required to carry a to legally drive. For bodily injury liability, you must carry at least $25,000 per person and $50,000 per accident in this state. For property damage liability, Arizona requires at least $15,000 in coverage. However, most insurance experts recommend buying more than the minimum in many cases for more financial protection. If you have a loan or lease on your vehicle, you will likely need to buy .
Drivers with full coverage car insurance in Arizona will pay, on average, about $145 per month for coverage. Minimum coverage costs, on average, about $48 monthly. How much you’ll pay for car insurance in Arizona per month depends on a variety of factors, including your driving profile, age, claims and driving history, coverage options and the make and model of the vehicle.
Bankrate studied dozens of car insurance carriers and found that the include Geico, State Farm and American Family. However, not every carrier will be a good fit for every driver, so it's important to consider your needs, risk profile and budget if you want to find the best car insurance company for you.
According to our research, the include Geico, Travelers and USAA for minimum coverage and Geico, Travelers and Mercury for full coverage car insurance. However, your individual driver profile, coverage selection, location and more will factor heavily into your car insurance costs, so the best way to know which carrier is cheapest for you is typically to shop around and request more than one quote. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction. Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). Written by Lauren Ward Insurance Contributor Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.