How Much Is Car Insurance In Arizona?

Car insurance in Arizona tends to be somewhat expensive. The average annual cost for full coverage is $2,739, which is above the national average of $2,629. For minimum coverage, the average cost is $809 per year, also higher than the national average of $742.

In this article, we’ll explore the different types of car insurance in Arizona, their costs, and the main factors that affect your rates. With over 12 years of experience as a licensed insurance agent, I’m here to help you make an informed decision.

Cost Of Car Insurance In Arizona By Age

Age plays an important role in determining car insurance costs. Insurers use age to assess driving experience and the likelihood of filing a claim. While good drivers exist in every age group, younger drivers are often seen as higher risk due to their tendency to have more accidents or take risks. 

On the other hand, experienced drivers are less likely to make claims, so they usually pay lower premiums. Car insurance is typically cheapest for middle-aged drivers, but for seniors, rates may go up even if they have a spotless driving record. 

Despite their experience, older drivers may face higher rates because they are more prone to accidents due to issues such as  physical, cognitive, or vision-related changes.

Below is a table showing the average car insurance costs by age:

Average Arizona Auto Insurance Rates By Insurance Company

Every insurance company has its own way of determining premiums, so different providers may offer very different rates for the same coverage. This is based on their individual risk assessments, claims history, and underwriting methods, even if the driver’s situation is the same.

Some common factors that insurance providers consider when setting rates include claims history, credit score, age, location and driving record. It’s a good idea to shop around and compare quotes from different insurers to find the best rate for you.

Below is a table showing the average auto insurance rates from six major providers in Arizona:

Average Arizona Car Insurance Premiums By Credit Score

Many insurance companies use credit-based insurance scores to determine car insurance rates, where allowed by law. In general, a higher credit score results in a lower rate. 

In Arizona, drivers with poor credit pay a lot more for insurance than those with good credit. This is because insurers view people with poor credit as more likely to file a claim, making them more expensive to cover. Travelers offers the lowest car insurance quotes in Arizona for drivers with a low credit score.

Below is a table showing the average car insurance premiums based on different credit score categories in Arizona.

Average Car Insurance Costs In Arizona By Gender

Data reveals that car insurance rates for men and women in Arizona are nearly the same. While men generally pay more for insurance, in Arizona, the difference is very small.

Here’s a table showing the average car insurance costs by gender in Arizona:

Cost Of Arizona Car Insurance By Driver Record

Having a clean driving record can help you get a lower car insurance rate. Accidents and tickets, on the other hand, can raise your premium. New drivers with no driving history may also face higher rates. For example, if you get your first speeding ticket in three years, your rates might not increase, but if you receive two or more tickets within that time, you’ll likely see a rise in your insurance costs.

Here is a table displaying average car insurance costs based on different driving records in Arizona:

Average Arizona Auto Insurance Costs By Marital Status

Married people typically get lower car insurance rates compared to single individuals because insurers often see married drivers as more responsible and less likely to take risks on the road. 

Statistically, married drivers tend to be involved in fewer accidents, which makes them less risky to insure. Insurance companies also believe that married couples may drive less aggressively and are more stable in their personal lives, which can lead to fewer claims.

Here is a table displaying average car insurance costs by marital status in Arizona:

Cost Of Car Insurance In Arizona By Coverage Type

The more coverage you add to your car insurance, the higher your premium will be. State-minimum coverage is usually the cheapest car insurance in Arizona, while having the maximum coverage will cost the most. Your deductible amount will also affect how much you pay for insurance.

Additionally, the amount you pay for each type of coverage can be influenced by factors such as your driving history, age, and the type of vehicle you drive.

Here is a table displaying average car insurance costs by coverage type in Arizona:

Average Arizona Car Insurance Rates By City

Where you live plays a big role in how much you’ll pay for car insurance, as it affects your chances of filing a claim or getting into an accident. If you live in a populated city with a higher risk of car theft, vandalism, or other damage, you’ll likely pay more for comprehensive and collision coverage. 

In Arizona, auto insurance costs differ by city, with Phoenix having the highest average rate. On average, residents of Phoenix pay $3,235 per year for full coverage, which includes liability, uninsured motorist, collision, and comprehensive insurance.

In the following table, we explore the average car insurance costs in eight different Arizona cities to illustrate these differences.

Average Arizona Car Insurance Rates By ZIP Code

Car insurance rates in Arizona can vary significantly based on your ZIP code, as insurers consider factors like accident rates, population density, crime levels, and weather risks when setting premiums.

The table below shows the average car insurance rates in various Arizona ZIP  codes, highlighting how rates vary depending on the location.

Arizona Car Insurance Prices Compared To Other U.S. States

If you’re wondering whether it’s important to know about car insurance rates in other states, the answer is yes. Understanding how Arizona’s car insurance rates stack up against other states can help residents see if they are paying fair prices compared to the national average.

The table below gives a detailed comparison of average car insurance rates across all U.S. states, helping you get a better idea of where Arizona stands nationally.