As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Expert reviewed
Expert reviewed
This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.
Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.
The average cost of full coverage car insurance in Arizona is $1,565, but rates can vary widely depending on where in the state you live, and other factors like your age and driving history. Rates can also vary from company to company, which is why it’s important for Arizona drivers to shop around and compare quotes before choosing a policy.
Policygenius can help you see quotes from top companies to make sure you’re getting the right coverage at the best price.
Key takeaways
Root has the lowest average rate for full coverage in Arizona at $747 a year
Root also has the best rates for 25-year-old drivers in Arizona
Arizona minimum liability requirements are $25,000 person/$50,000 accident in bodily image liability and $15,000 in property damage liability.
Uninsured/underinsured motorist coverage is optional in Arizona
Cheapest car insurance companies in Arizona
All insurance companies use basically the same factors when calculating your rates (age, address, driving history), but certain factors may be weighed more heavily at some companies than others. That’s why rates can vary so widely from one company to the next.
Company
Average cost
JD Power Rating
Root
$747
--
Auto-Owners Insurance
$891
890
GEICO
$918
871
State Farm
$1,260
881
USAA
$1,297
890
Cheapest car insurance companies by age in Arizona
Drivers under the age of 25 will almost always pay more for car insurance thanks to their inexperience behind the wheel.
New and young drivers are more likely to speed, text while driving, and be involved in accidents, which makes them more expensive to insure. Rates drop at age 25 for most drivers, once they’re no longer in the highest-risk age group.
Age
Cheapest company
Average cost
16
Root
$2,519
18
GEICO
$1,832
21
Root
$1,134
25
Root
$763
30
Root
$740
35
Root
$747
45
Root
$754
55
Root
$730
60
Root
$748
65
Root
$837
70
Root
$883
Choosing the right car insurance company in Arizona
No two drivers are alike, which is why car insurance rates can vary so much from person to person. Comparison is essential when it comes to finding the best rates for you, since two different insurance companies can look at the same data and come up with two very different prices.
Policygenius can help you easily compare options and see quotes from top companies, so you can choose the coverage that’s best for you.
Car insurance rates for drivers with driving violations in Arizona
Too many violations and accidents on your driving record can make it difficult to find insurance at all, but even a few violations can increase your car insurance rates.
More serious violations or at-fault accidents will raise your rates even more — so drivers with faults on their records should take extra time to shop around and compare policies.
Violation
Root
Auto-Owners Insurance
GEICO
State Farm
USAA
At-fault accident
$982
$1,286
$1,445
$1,510
$2,039
DUI
$709
$1,651
$1,813
$1,393
$3,283
Suspended license
$985
$1,651
$1,813
$1,393
$3,136
Open container
$709
$1,651
$1,813
$1,393
$1,910
Expired registration
$929
$922
$1,038
$1,393
$2,069
Driving without lights
$929
$922
$1,038
$1,393
$1,797
Not showing documents
$929
$922
$1,000
$1,393
$2,069
Running a red light
$929
$922
$1,038
$1,393
$1,797
Failure to yield
$929
$922
$1,038
$1,393
$1,797
Following too closely
$929
$922
$1,038
$1,393
$1,797
Hit and run
$985
$1,651
$1,694
$1,393
$3,416
Illegal turn
$929
$922
$1,038
$1,393
$1,797
Improper passing
$929
$922
$1,038
$1,393
$1,797
Not-at-fault accident
$707
$922
$857
$1,276
$1,395
Passing a school bus
$929
$922
$1,038
$1,393
$2,158
Racing
$985
$1,651
$1,813
$1,393
$3,283
Reckless driving
$985
$1,651
$1,813
$1,393
$1,910
Speeding
$801
$1,651
$1,813
$1,393
$1,797
Cheapest car insurance for drivers with bad credit in Arizona
Drivers with good credit will generally pay less than drivers with bad credit. But companies consider lots of other factors, and if your record is clean and you continue to make on-time payments and work on raising your credit score, your car insurance rates may eventually go down.
Company
Rates for drivers with bad credit
Root
$946
GEICO
$1,307
Nationwide
$2,086
Iowa Farm Bureau
$2,134
Safeway Insurance
$2,234
Car insurance costs in Arizona cities
Insurance premiums can vary from city to city, because car insurance companies consider factors specific to your area, like crime rate, population density, repair costs, and the number of accidents and claims in a given place. Average car insurance rates in the ten largest cities in Arizona are:
The law in Arizona requires all drivers to have at least a minimum amount of liability insurance. The Arizona minimum liability requirements are $25,000 per person and $50,000 per accident in body liability coverage and $15,000 in property damage liability coverage. Uninsured/underinsured motorist coverage is optional in Arizona (but recommended).
In the case of a car accident, Arizona is an at-fault state. That means that the driver found at-fault for an accident will be legally and financially responsible for the resulting damage and injuries, and claims will be filed with the at-fault driver’s insurance.
Arizona also has modified comparative negligence laws. This means each driver in an accident can be attributed a percentage of the fault. To fully protect themselves, Arizona drivers should have more than the minimum levels of liability insurance.
How to get cheap car insurance in Arizona
Most car insurance companies offer a range of discounts, which can add up to significant savings. Some of the most common are:
Bundling discount
Safe driver discount
Good student discount
Accident-free discount
Multi-vehicle discount
Low mileage discount
Military discount
If you are not eligible for any discounts, you can still find the cheapest rates by comparing quotes from different companies before you buy. You should regularly reshop your car insurance to make sure you’re still getting the best rates.
Root currently has the cheapest average car insurance rates in Arizona. However, that does not mean Root is the right insurance company for all drivers. It is important to understand your options and compare rates from different companies.
Will my gender impact my car insurance premiums in Arizona?
Gender and marital status do play a role in determining premiums in Arizona, but neither are major factors. Your age, where you live and your driving history all have a much bigger impact on what you’ll pay for car insurance.
Is Arizona a no-fault state or an at-fault state?
Arizona is an at-fault state, which means the insurance of the driver who is at-fault for an accident will pay for the other party’s medical bills or repair costs.
How much is car insurance per month in Arizona?
The average car insurance rate in Arizona is $1,565 per year, which breaks down to $130.42 per month.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
