Find Cheaper Arizona Car Insurance Rates in 2024

Enter your Arizona zip code below to view companies that have cheap auto insurance rates.

Average insurance prices in Arizona for 2024 are $1,168 annually including full coverage. Comprehensive, collision, and liability cost around $260, $474, and $302, 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: $1,168

Policy rates for type of coverage:

Comprehensive $260
Collision $474
Liability $302

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 $358 for basic liability insurance to the much higher price of $2,522 for a driver who has had serious violations or accidents.

Liability Only $358
Full Coverage $1,168
High Risk $2,522

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.

Enter your Arizona zip code below to view companies that have cheap auto insurance rates.

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Arizona car insurance rate comparison chart
Column chart showing Arizona car insurance prices range from $671 to $4,292 for full coverage

The chart above shows average Arizona auto insurance prices for different coverage choices and risks. The best price after discounts is $671. Arizona drivers who use higher $1,000 deductibles will pay $1,002. The average price for a driver age 40 with no violations using $500 deductibles is $1,168. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,492. Drivers with multiple violations and accidents could be charged at least $2,522. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,292.

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 $900 a year, while Phoenix and Glendale may see rates upwards of $1,700. 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.

View Chart as Image

Arizona insurance rates by city

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.

Arizona Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 17.40% $1,350
2 Geico 13.43% $1,154
3 Progressive 9.67% $1,141
4 Farmers Insurance 8.84% $1,364
5 Allstate 8.67% $2,170
6 USAA 7.20% $1,102
7 American Family 5.78% $1,449
8 Liberty Mutual 5.36% $2,213
9 The Hartford 2.85% $828
10 CSAA 2.12% $1,201
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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 $490 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 $272 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.

Arizona Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,234 5.3%
Dodge Ram $1,268 7.9%
Ford Escape $970 -20.4%
Ford Focus $1,130 -3.4%
Ford Fusion $1,236 5.5%
Ford F-150 $1,096 -6.6%
GMC Acadia $1,074 -8.8%
GMC Sierra $1,210 3.5%
Honda Accord $1,088 -7.4%
Honda Civic $1,276 8.5%
Honda CR-V $944 -23.7%
Honda Pilot $1,108 -5.4%
Hyundai Sonata $1,186 1.5%
Kia Optima $1,208 3.3%
Nissan Altima $1,198 2.5%
Nissan Rogue $1,174 0.5%
Toyota Camry $1,188 1.7%
Toyota Corolla $1,164 -0.3%
Toyota Prius $1,082 -7.9%
Toyota RAV4 $1,100 -6.2%
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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 $1,100 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,200 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 $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% 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

Rates by Driver Age

Arizona Insurance Rates by Driver Age
Driver Age Premium
16 $4,292
20 $2,692
30 $1,222
40 $1,168
50 $1,066
60 $1,044

Full coverage, $500 deductibles

Rates by Deductible

Arizona Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,492
$250 $1,342
$500 $1,168
$1,000 $1,002

Full coverage, driver age 40

Rates by Liability Limit

Arizona Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,168
50/100 $1,228
100/300 $1,304
250/500 $1,500
100 CSL $1,259
300 CSL $1,425
500 CSL $1,546

Full coverage, driver age 40

Rates for High Risk Drivers

Arizona Car Insurance Rates for High Risk Drivers
Age Premium
16 $6,132
20 $4,276
30 $2,580
40 $2,522
50 $2,402
60 $2,380

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $60
Homeowner $16
5-yr Accident Free $88
5-yr Claim Free $75
Paid in Full/EFT $55
Advance Quote $58
Online Quote $83
Total Discounts $497
Rate after discounts $671

Discounts are estimated and may not be available from every company or in every state.

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