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:

Comprehensive $298
Collision $544
Liability $346

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.

Liability Only $410
Full Coverage $1,340
High Risk $2,896

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 $770 to $4,932 for full coverage

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.

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
RankCompanyMarket ShareAverage Rate
1State Farm17.40%$1,350
2Geico13.43%$1,154
3Progressive9.67%$1,141
4Farmers Insurance8.84%$1,364
5Allstate8.67%$2,170
6USAA7.20%$1,102
7American Family5.78%$1,449
8Liberty Mutual5.36%$2,213
9The Hartford2.85%$828
10CSAA2.12%$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 $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.

Arizona Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4145.2%
Dodge Ram$1,4547.8%
Ford Escape$1,116-20.1%
Ford Focus$1,296-3.4%
Ford Fusion$1,4225.8%
Ford F-150$1,260-6.3%
GMC Acadia$1,234-8.6%
GMC Sierra$1,3923.7%
Honda Accord$1,252-7%
Honda Civic$1,4668.6%
Honda CR-V$1,086-23.4%
Honda Pilot$1,274-5.2%
Hyundai Sonata$1,3581.3%
Kia Optima$1,3843.2%
Nissan Altima$1,3782.8%
Nissan Rogue$1,3460.4%
Toyota Camry$1,3661.9%
Toyota Corolla$1,336-0.3%
Toyota Prius$1,242-7.9%
Toyota RAV4$1,264-6%
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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

Car Insurance Articles for Arizona Cities

Read about how to save money on auto insurance in some of the larger cities in Arizona below.

Phoenix

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Rates by Driver Age

Arizona Insurance Rates by Driver Age
Driver AgePremium
16$4,932
20$3,092
30$1,404
40$1,340
50$1,224
60$1,200

Full coverage, $500 deductibles

Rates by Deductible

Arizona Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,712
$250$1,540
$500$1,340
$1,000$1,148

Full coverage, driver age 40

Rates by Liability Limit

Arizona Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,340
50/100$1,409
100/300$1,496
250/500$1,721
100 CSL$1,444
300 CSL$1,634
500 CSL$1,773

Full coverage, driver age 40

Rates for High Risk Drivers

Arizona Car Insurance Rates for High Risk Drivers
AgePremium
16$7,042
20$4,912
30$2,964
40$2,896
50$2,760
60$2,736

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 $185

Potential Rate Discounts

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

DiscountSavings
Multi-policy$71
Multi-vehicle$69
Homeowner$19
5-yr Accident Free$100
5-yr Claim Free$86
Paid in Full/EFT$63
Advance Quote$67
Online Quote$95
Total Discounts$570
Rate after discounts $770

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

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