Average cost of car insurance in Arizona for 2024

How much is car insurance in Arizona?

Based on Bankrate’s 2024 study of car insurance rates sourced from Quadrant Information Services, average annual Arizona car insurance rates are $2,585 for full coverage and $764 for minimum coverage. Both rates are about on par with the national annual average cost of car insurance, which is $2,348 and $639 for full and minimum coverage, respectively. However, numerous factors impact how much you’ll pay. These include where you live in Arizona, the types and levels of coverage you choose, the car insurance company you pick, your age, gender, credit-based insurance score, driving history, vehicle type and more.

Key takeaways

• Arizona drivers pay an average of $2,585 per year for full coverage or $764 per year for minimum coverage.
• Getting an infraction like a DUI in Arizona could raise your insurance premium by 112 percent more.
• Drivers in Phoenix pay an average of 18 percent more for car insurance than their Arizona peers.
• 18-year-old males typically pay the most for car insurance in Arizona, while 60-year-old drivers typically pay the least.

Arizona car insurance rates by city

Auto insurance rates vary by city, as well as by state. Several factors can influence this difference. Some ZIP codes may have more expensive car repair services and parts, while others may have higher rates of car accidents or instances of theft and vandalism. These variables are factored in along with personal ones like your driving record when insurers determine your rates. The table below shows average annual rates for full coverage in five Arizona cities, along with how much each city’s full coverage rates differs from the overall state average.

Average car insurance costs by age and gender in Arizona

There are a few states where age and gender are not factored into your car insurance rates due to state regulations, but Arizona isn’t one of them. In Arizona, like in most states, younger people and males, on average, typically pay higher premiums. In general, auto insurance rates go down with age. In Arizona, the highest average rates based on age and gender are for 18-year-old males, who pay an average of $7,867 per year for full coverage.

Cost considerations for young drivers in Arizona

Car insurance premiums are largely based on risk assessments. In general, the younger and less experienced a driver is, the riskier they are to insure. While there may be no way around this other than time, there are still some ways younger drivers might save money on their auto insurance.

Young drivers are often charged different premiums depending on whether they have their own insurance policy or are on their parent's policy. Generally, drivers under 18 have to be on their parent's policy. Still, drivers between 18 and 25 may still save money on premiums by being on their parent's policy.

How does driving record impact the cost of car insurance in Arizona?

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 high-risk driver, meaning you might be more likely to cause accidents and file claims in the future. Insurers will typically add a surcharge to your premium for a few years, likely as long as the incident is officially on your motor vehicle record. For instance, drivers with a DUI conviction in Arizona pay, on average, 112 percent more for full coverage than someone with a clean driving record.

The table below shows how different driving incidents can impact rates when compared to the average cost of car insurance in Arizona with a clean driving record to give you an idea of how much you might pay if you have one of these incidents on your driving record.

Car insurance rates in Arizona by credit tier

Arizona, like most states, allows insurers to use credit-based insurance scores when calculating rates. Insurers use credit information to help determine risk levels for drivers. People with higher credit scores typically enjoy lower rates, while those with credit scores considered poor may face much higher insurance rates overall. For example, a driver with a poor credit rating in Arizona pays, on average, 80 percent more per year for full coverage auto insurance.

Arizona car insurance rates by vehicle type

One of the biggest factors in determining your car insurance rates in Arizona is the type of vehicle you drive. Each make and model comes with its own statistical crash and theft data, price of parts and safety features. The vehicles below fit a variety of lifestyles and budgets and give an idea of how much car insurance might cost for your vehicle in Arizona.

Estimate your car insurance cost in Arizona

It can be challenging to set a budget for insurance when so many factors impact the cost of coverage. That’s why Bankrate created the useful tool below. Enter some basic information and you’ll get a rough estimate of what you might pay for an insurance premium. Keep in mind that this is not an exact quote, but it can help you get an idea of how much you might need to budget.

How to save on car insurance in Arizona

The average cost of car insurance in Arizona might be close to the national average, but there may be opportunities for some drivers to save a little bit more money. From safer driving to switching carriers to pursuing discounts, there are often several avenues to pursue when aiming to save money on car insurance. 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.
• Enroll in a telematics program. Many car insurance companies offer their own usage-based telematics programs that track and reward safe driving habits. If you’re already a safe driver or want to improve, this could be a useful opportunity. Keep in mind, though, that some telematics programs could also raise your rates if you exhibit unsafe driving habits.
• Understand your deductible. If you have comprehensive and collision coverage in your auto 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 are employed in a particular field, you may be able to qualify for special discounts. Bundling insurance policies, such as home and auto, with one insurer, is also a common discount. Check with your insurance provider for a full list of discounts to see if any may apply to you.

Frequently asked questions