Paul Sanchez
The cost of auto insurance in Arizona depends on several factors, including age, gender, driving record, credit score, and location. The average annual cost of auto insurance in Arizona is $2,585 for full coverage and $764 for minimum coverage. The average cost of full coverage for a 35-year-old driver in Arizona is around $1,420, while the average cost of minimum coverage is about $676. The cheapest car insurance company in Arizona is Root Insurance Company, with an average annual rate of $722 for full coverage. The most expensive company in Arizona is The General, with an average annual rate of $2,932 for full coverage.
| Characteristics | Values |
|---|---|
| Average cost of car insurance in Arizona | $2,585 for full coverage and $764 for minimum coverage per year |
| Average cost of car insurance in Arizona by company | Geico: $1,173 for full coverage per year |
| Auto-Owners: $1,470 for full coverage per year | |
| Travelers: $1,441 for full coverage per year | |
| State Farm: $1,860 for full coverage per year | |
| Progressive: $1,721 for full coverage per year | |
| Average cost of car insurance in Arizona by age | 18-year-old males: $7,867 for full coverage per year |
| 60-year-old drivers: $1,376 for full coverage per year | |
| Average cost of car insurance in Arizona by city | Phoenix: $1,360 for full coverage per year |
| Chandler: $1,134 for full coverage per year | |
| Average cost of car insurance in Arizona by credit score | Poor: $1,958 for full coverage per year |
| Excellent: $733 for full coverage per year |
What You'll Learn
Average cost of car insurance in Arizona
The average cost of car insurance in Arizona depends on several factors, including the type of coverage, age, driving record, and location. Here is a breakdown of the average costs for different coverage levels and driver profiles:
Average Cost of Minimum Coverage in Arizona:
The average annual cost of minimum liability car insurance in Arizona is around $676, or approximately $56 per month. This includes the state's minimum required coverage of $25,000 per person and $50,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability.
Average Cost of Full Coverage in Arizona:
The average annual cost of full coverage car insurance in Arizona is about $1,420, or around $118 per month. Full coverage typically includes higher liability limits, as well as comprehensive and collision coverage. The specific rates can vary depending on the chosen deductible amount.
Average Cost of Car Insurance by Age in Arizona:
Age is a significant factor in determining car insurance rates. Here are the average annual costs for different age groups:
- Teens and young drivers: $3,028 to $6,324
- 22-year-olds: $1,815
- 25-year-olds: $1,901 for females and $2,026 for males
- 35-year-olds: $1,486 for females and $1,554 for males
- 60-year-olds: $1,336 for females and $1,452 for males
Average Cost of Car Insurance by Driving Record in Arizona:
The cost of car insurance in Arizona can increase significantly if you have a less-than-perfect driving record. Here are the average annual rates for drivers with different violations:
- Clean driving record: $1,420
- With a speeding ticket: $1,851
- With an at-fault accident: $2,237
- With a DUI: $2,311
Average Cost of Car Insurance by Credit Score in Arizona:
Your credit score can also impact your car insurance rates. Here are the average annual rates for drivers with different credit scores:
- Excellent credit: $733
- Poor credit: $1,958
Cheapest Car Insurance Companies in Arizona:
When comparing rates, it's important to consider different insurance companies. Here are some of the cheapest car insurance companies in Arizona for various driver profiles:
- Root Insurance Company: Offers the cheapest full coverage for a 40-year-old driver at $722 annually.
- Mercury: Provides the cheapest minimum coverage for a 20-year-old driver at $397 annually.
- State Farm: Offers the cheapest rates for full coverage at $125 per month and minimum coverage at $55 per month.
- Progressive: Has the cheapest rates for drivers with a DUI, with an average annual rate of $2,144.
- Travelers: Offers the lowest rates for drivers with poor credit, with an average annual rate of $2,564.
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Cheapest car insurance in Arizona
Arizona drivers pay an average of $2,585 per year for full coverage and $764 per year for minimum coverage. However, the cheapest car insurance company for you will depend on your coverage needs and personal rating factors, including your vehicle type, age, gender, claims history and ZIP code.
Arizonans pay an annual average of $755 for minimum coverage. The cheapest company for minimum coverage: Geico.
Although full coverage is generally more expensive than minimum, it offers you more robust coverage and may pay off in the long run. The cheapest company for full coverage: Travelers.
In most cases, drivers with a clean driving record and demonstrated ability to drive safely will earn the lowest premium rates. The cheapest company for drivers with a ticket: Geico. The cheapest company for drivers with an at-fault accident: Travelers. The cheapest company for high-risk drivers: Travelers.
Cheapest car insurance for young drivers in Arizona
Car insurance rates tend to be high for young drivers, and especially for those still in their teens. The cheapest company for insuring a teen driver: Travelers. The cheapest company for teens with a ticket: Travelers. The cheapest company for teens with an at-fault accident: Travelers. The cheapest company for young drivers with a DUI: Travelers and Progressive.
Cheapest cities in Arizona for car insurance
Your state isn’t the only thing that affects the cost of car insurance; your city and even your ZIP code can impact how much you pay. The cheapest car insurance carrier in Arizona: Geico.
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Average cost of car insurance in Arizona by age
The average cost of car insurance in Arizona varies depending on age, gender, and driving history. According to Bankrate, 18-year-old males typically pay the most for car insurance in the state, with an average annual premium of $7,867 for full coverage. In general, auto insurance rates decrease with age, with 60-year-old drivers paying the least.
WalletHub reports that insurance companies in Arizona charge higher rates for drivers younger than 25 or older than 65. The website reports an average annual premium cost of $6,841 for 16-year-old drivers, $1,741 for 25-year-old drivers, and $1,459 for 65-year-old drivers.
Gender also affects rates, although the difference is relatively small. Female drivers pay around $2 less per year on average than male drivers.
Marital status is another factor that influences rates. Single drivers in Arizona pay an average of $1,180 per year for car insurance, while married drivers pay $1,089, divorced drivers pay $1,180, and widowed drivers pay $1,157.
In addition to age and gender, driving history, credit score, vehicle type, and location within the state can also impact the cost of car insurance in Arizona.
| Age | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| 16-17 | $299-$309 | $3,588-$3,708 |
| 18 | $179 | $2,148 |
| 19 | $146 | $1,752 |
| 21 | $114 | $1,368 |
| 25 | $109 | $1,308 |
| 65 | $89 | $1,068 |
| 75 | $102 | $1,224 |
Overall, the cost of car insurance in Arizona varies significantly depending on a variety of factors, with age being one of the most significant determinants of rates.
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Average cost of car insurance in Arizona by city
The average cost of car insurance in Arizona varies depending on the city. The average cost of full-coverage car insurance in Arizona is $2,085 per year, or $174 per month. The cheapest full-coverage car insurance in Arizona is offered by QBE, at $1,167 per year on average.
In Phoenix, the state's largest city, drivers pay an average of $270 per month for full-coverage car insurance. In Tucson, the average price is $220 per month, which is 2% lower than the state average. In Desert Hills, a small community north of Scottsdale, drivers can expect to pay around $161 per month.
The cost of car insurance in Arizona also depends on the age of the driver. For example, the average cost of car insurance for a 22-year-old in Arizona is $1,815 annually for full coverage. For a 60-year-old driver, the average cost of full-coverage car insurance in Arizona is $1,376 per year.
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Average cost of car insurance in Arizona by driving record
The cost of car insurance in Arizona varies depending on a driver's record. Here's a breakdown of the average cost of car insurance in Arizona by driving record:
Clean Driving Record
The average cost of car insurance in Arizona for a driver with a clean record is $1,420 per year for full coverage, or $118 per month. The state minimum coverage costs $676 per year, or $56 per month.
With a Ticket
For drivers with a speeding ticket on their record, the average cost of car insurance in Arizona increases to $1,851 per year, or $154 per month, for full coverage.
With an At-Fault Accident
If a driver has an at-fault accident on their record, the average cost of car insurance in Arizona is $2,237 per year, or $186 per month, for full coverage.
With a DUI
A DUI on a driver's record will result in the highest increase in car insurance costs in Arizona. The average cost of car insurance with a DUI is $2,311 per year, or $193 per month, for full coverage.
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Frequently asked questions
The average cost of car insurance in Arizona varies depending on the level of coverage, age, gender, and other factors. The average annual cost of full coverage car insurance in Arizona is around $2,000, while the average annual cost of minimum coverage is approximately $650.
In Arizona, drivers are required to have a minimum amount of liability coverage, which includes bodily injury liability coverage and property damage liability coverage. The minimum liability limits are $25,000 per person and $50,000 per accident for bodily injury, and $15,000 per accident for property damage.
Several factors can influence car insurance rates in Arizona, including age, gender, driving record, credit score, vehicle type, and location. Younger drivers and males typically pay higher premiums. A clean driving record and a good credit score can help lower insurance costs. The cost of repairing your vehicle and the safety ratings of your car can also impact your insurance rates.
