Average cost of car insurance in Arizona for 2021

Arizona drivers must have minimum coverage in order to legally drive their car. Arizona drivers will pay on average $555 per year for minimum coverage, and $1,547 for full coverage. Car insurance rates can be personalized depending on factors such as age, credit score, and location.

Arizona drivers have access to dozens of car insurance companies that offer full or minimal coverage. To avoid any surprises when shopping for Arizona car insurance, it is helpful to know the factors that affect the price of your premium.

What is the cost of Arizona car insurance?

Currently, the average annual cost of car insurance in the United States is $565 for minimum coverage and $1,674 for full coverage – very similar to what Arizona drivers pay. Arizona drivers pay $555 annually for minimum coverage, and $1,547 for full coverage.

Remember that car insurance companies consider a variety of personal data points when determining the price of a premium. Some of these include:

  • Age
  • Gender
  • Driving history
  • Wherever you live
  • Type of car
  • Marital Status
  • How often do you drive?
  • Types of coverage
  • Credit score

Each driver’s car insurance cost is therefore unique. The state average may be higher or lower than yours.

Arizona car insurance rates by company

The more people there are, the more accidents will occur. Residents in big cities pay hundreds more for car insurance than those in rural areas.

Below is a table that shows the average annual cost of a full policy in Arizona for 20 cities based on their population. Based on an annual average price of $1,547, the percentage increase is 1.5%.

Arizona auto insurance rates by city

Accidents are more likely to happen in large cities with a larger population. Residents in big cities pay hundreds more for car insurance than those in rural areas.

Below is a table that shows the average annual cost of a full policy in Arizona for top 20 cities based on their population. (Note: This percentage increase is calculated using an average annual price $1,547/year.

Arizona car insurance rates based on age

Insurance providers charge younger drivers more to insure them because they are statistically more likely than older drivers to be involved in an accident.

Below is a table that shows the average Arizona car insurance rate based on your age. You will notice a steady decline in the cost of car insurance as you age, assuming you don’t have any serious driving offenses like a DUI or speeding ticket.

Arizona car insurance rates for driving record

Your driving record can have a significant impact on your Arizona auto insurance rates. The table below shows how much your premium can rise for each offense. The cost rise can be substantial, as you’ll see.

Arizona: How to Save on Car Insurance

There are several ways to save money on Arizona car insurance.

  • Increase your deductible: Although this will reduce your payout if you are in an accident, it could also lower your monthly bills. You may have a variety of options from your insurance provider. Talk to an agent to ensure you fully understand each one.
  • Discounts: Many national providers offer discounts to lower your premium. It is easy to complete a defensive driving class. It may be expensive, but it could provide a discount depending on the provider and will, hopefully, pay for itself in a few months.
  • Compare all the options: Not all insurance companies are equal. Not all insurance providers have the same pricing algorithms. Your credit score can cause one company to raise your premium significantly, but another company might not.
  • Older cars are more affordable and more expensive to insure. You can save money by driving an older car that has a high safety rating.
  • You can improve your credit score. Although it won’t happen overnight, you will be able to increase your credit score and save money on your car insurance. Because people with lower credit scores are statistically less likely to file a claim, this is why.

Arizona car insurance requirements

All drivers must have a 25/50/15 policy in Arizona. This means that if you are involved in an accident and are found to be responsible, your insurance provider must provide coverage up to:

  • $25,000 per person to treat bodily injuries
  • $50,000 for bodily injury
  • $15,000 for property damage

Insurers are also required to offer uninsured/underinsured motorist coverage.

These amounts might seem large, but they can often be recouped after an accident that causes serious damage, particularly if it is property damage. Today, $15,000 doesn’t cover the cost of a new vehicle. Many new cars are well over $30,000.

If you intend to finance or lease a car, many lenders require that you have full coverage. This is something to keep in mind when you are looking for Arizona car insurance rates. For full coverage, the provider with the lowest price may not offer minimum coverage.

Questions frequently asked

Arizona law requires uninsured motorist coverage

It is not mandatory, but it is required by insurance companies. They must offer 25/50 ($25,000 for bodily injury, $50,000 for accident) as minimum.

Is Arizona a no-fault state?

Arizona is not a tort state. This means that all damages are borne by the party who caused it.

Which Arizona car insurance company is best?

There are many factors that determine which Arizona car insurance company is the best. It all depends on what kind of coverage you need, which discounts you are eligible for, and how much monthly premium you can afford. Do your research to find providers that offer you the best coverage, and then compare rates to determine which company is the most competitive.

How can I get an Arizona car insurance quote?

It is easy to get a quote for car insurance in Arizona, especially since most companies offer instant online rates. A few personal details and information about your vehicle will be required. Some car insurance companies may also request your social security number, occupation, and history of traffic violations.