Arizona Car Insurance Rates
Average insurance prices in Arizona for 2018 are $1,340 annually including full coverage. Comprehensive, collision, and liability cost around $298, $544, and $346, respectively. Phoenix and Glendale have more expensive car insurance rates, and the two most popular companies in Arizona are State Farm and Geico.
Average rate for full coverage: $1,340
Policy rates for type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Average Price Range for Auto Insurance in Arizona
For a driver in their 40's, Arizona insurance prices go from the cheapest price of $410 for basic liability insurance to the much higher price of $2,896 for a driver who has had serious violations or accidents.
These price ranges highlight why everyone should compare prices for a specific zip code and their own driving history, instead of using average rates.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Arizona Insurance
The chart above shows average Arizona auto insurance prices for different coverage choices and risks. The best price after discounts is $770. Arizona drivers who use higher $1,000 deductibles will pay $1,148. The average price for a driver age 40 with no violations using $500 deductibles is $1,340. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,712. Drivers with multiple violations and accidents could be charged at least $2,896. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,932.
Insurance prices in Arizona are also quite variable based on deductibles and policy limits, your driving characteristics, and the make and model of your vehicle.
The area you live in has a huge impact on auto insurance prices. Less congested rural areas could see prices as low as $1,000 a year, while Phoenix and Glendale may see rates upwards of $2,000. Even different neighborhoods close to each other in the same city can have a wide range of rates.
These wide price ranges illustrate the importance of getting rates based on your location.
Your auto insurance company influences the cost of coverage. In Arizona, every insurance company has a slightly different rate calculation, and prices have large differences based on indivdual risk characteristics. In Arizona, car insurance prices range from $828 with The Hartford to as much as $2,213 with Liberty Mutual. Companies like Safeco, Auto-Owners, and Travelers fall somewhere in between.These are probably not the prices you would pay, as your location in Arizona, the type of vehicle you drive, and your driving history have to be factored in.
|Rank||Company||Market Share||Average Rate|
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Using high physical damage deductibles could cut rates by as much as $570 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $312 more each year. View Rates by Deductible or Liability Limit
The type of car, truck, or SUV you buy has a significant impact on the cost of car insurance in Arizona. Electing to drive a cheaper and lower-performance model will have a lower insurance cost primarily due to cheaper replacement cost and reduced frequency of accidents.
The following table shows premium estimates for the most popular vehicles insured in Arizona.
|Make and Model||Premium||% to Avg|
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 133% more than a normal policy. View High Risk Driver Rates
Since rates can be so different, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates may be quite different.
Arizona Auto Insurance Articles
- Who Has Cheap Car Insurance in Arizona?
- Cheap Car Insurance for Drivers Requiring a SR22 in Arizona
- How Much Does Insurance Cost for a Nissan Rogue in Arizona?
- Who Has the Cheapest Insurance for a Toyota Corolla in Arizona?
- How Much Does Insurance Cost for a Ford Escape in Arizona?
- Cheap Auto Insurance for Drivers Under 21 in Arizona
Car Insurance Articles for Arizona Cities
Read about how to save money on auto insurance in some of the larger cities in Arizona below.
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$100|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.