How Much Is Car Insurance in Arizona? (Updated in 2024)
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Codee Chessher
- Last updated:
Car insurance is one of the most valuable investments you can make, protecting you against liability and damages from car accidents. In Arizona, drivers pay roughly the same as the national average for full coverage, and a bit less for minimum coverage. However, there are a lot of other factors that impact how much your car insurance will cost. Let’s check out how much you can expect to pay for car insurance in Arizona and what you need to know.
Why Is Car Insurance Important?
Car insurance is required to drive on public roads in all 50 states, though the coverage provided by minimum coverage policies varies depending on state laws. In general, minimum coverage policies protect you against a limited amount of liability for accidents, while full coverage will help fix your car after accidents and cover other unrelated damages.
Without car insurance, you would have to pay out of pocket after you have a collision or accident. Thankfully, with car insurance, you can simply exchange info with the other driver involved or make a claim to your provider. This helps protect you against unexpected and exorbitant costs in the event of an accident.
How Much Does Car Insurance Cost in Arizona in 2024?
The average cost of full coverage in Arizona is $1,743 per year, which breaks down to $145 per month. This is a mere $28 cheaper than the national average of $1,771 per year, though there are a lot of factors that can raise or lower what you’ll actually pay. Minimum coverage in Arizona costs about $579 per year, or $48.25 a month.
The biggest car insurance companies in Arizona are Geico, State Farm, Allstate, and Progressive, which all have different average prices for insurance. Let’s break down how much their minimum and full coverage policies cost on average in the Grand Canyon State.
| Insurance Company | Average Minimum Coverage Price | Average Full Coverage Price |
| State Farm | $653 | $2,108 |
| Geico | $967 | $1,283 |
| Allstate | $653 | $2,566 |
| Progressive | $1,202 | $1,636 |
What Factors Impact Insurance Prices in Arizona?
The same basic variables that affect insurance prices across the US also apply to Arizona. These include age, gender, location, driving history, credit score, and type of car. Let’s dive a little deeper into each of them so you know how they can impact insurance quotes and prices.
Age
Younger drivers have less experience behind the wheel and are riskier to insure, thanks to their tendency to have more accidents than older drivers. In Arizona, 16-year-old drivers pay an average of $2,711 for full coverage. Compare this to 25-year-old drivers, who only pay $1,953, and 50-year-old drivers who pay a mere $1,500.
Gender
Statistics indicate that men are more likely than women to engage in risky driving behavior, so they pay a bit more for insurance. In Arizona, the average annual full coverage premiums for men are $1,528, while women pay an average of $1,566. The difference is negligible in most scenarios, but you should still be aware that it’s relevant.
Location
Rural cities pay less for insurance than urban cities because the latter has a far higher incidence rate of car accidents. Even the neighborhood you live in can have an impact. Affluent areas are seen as less risky than poorer areas because there’s less car theft, vandalism, and accidents in general.
In Chandler County, Arizona, the average annual full coverage premiums are $1,687, compared to Phoenix County, which averages $2,064 per year for the same coverage.
Driving History
Experienced drivers without a history of accidents or claims will pay a lot less than drivers with a bad history or even no history at all. The three major incidents that raise rates are speeding tickets, accidents, and DUIs.
Credit Score
A lot of people don’t know this, but your credit score is taken into account when you get insurance. The reason for this is that drivers with poor credit scores are statistically more likely¹ to file claims than drivers with good credit. Having good credit can slash as much as half of your annual premium versus having poor credit, both in Arizona and nationwide!
Type of Car
Most people probably know that sports cars are the most expensive type of car to insure, but it’s a little more complex than that. Every make and model of a car has different safety statistics, crash data, the complexity of repair work, price of parts, and more. All of these are taken into account when companies decide what cars are riskier to insure.
What Minimum Coverage Is Required by Law in Arizona?
Like all states, Arizona has specific requirements governing how much coverage you’re required to carry.
- Bodily injury liability coverage: $25,000 per person/$50,000 per accident
- Property damage liability coverage: $15,000
Is Arizona a No-Fault State?
No. Arizona is an at-fault state, meaning that the responsible party in an accident has to pay for it. Like other at-fault states, Arizona doesn’t limit lawsuits from accidents, and it doesn’t require PIP insurance like no-fault states.
Conclusion
Arizona pays about the national average for car insurance, though there are numerous variables that can increase or decrease premiums. The greatest factor is where you live, with urban areas charging more for insurance across the board.
Featured Image Credit: New Africa, Shutterstock
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