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If you have an accident or your car is stolen, an auto insurance policy will provide you with financial protection. The insurance company promises to cover your damages up to your insurance limits in exchange for your premium payment. Vehicle insurance in Arizona is legally required if you drive a car.
Auto Insurance in Arizona
In Arizona, drivers with full car insurance pay an average of $145 a month for coverage. On average, minimum coverage costs about $48 a month.
According to an analysis by the Bank Rate of average rate for 345 ZIP codes in Arizona, the average cost of full coverage car insurance in 2022 will be $1,743 per year or about $145 per month. The national average for full coverage is $1,771 per year. Arizona drivers pay an average of $28 less per year than drivers in the rest of the country, or 1.6 percent less than the national average.
The price you pay for insurance depends on several rating factors. The most important ones are where you live in Arizona and what kind and how much coverage you choose. Your premium will also depend on the car insurance company you choose, your age, gender, credit score, driving history, and the kind of car you drive.
Car Insurance Rates
| Average annual minimum coverage premium |
Average annual total coverage premium |
| $579 |
$1,743 |
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Car Insurance Rates by City
The city you live in affects your vehicle insurance rates. The cost of medical care in a city can affect bodily injury liability and medical payments coverage, and vehicle repairs can affect property damage liability, comprehensive, and collision coverage.
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Car Insurance Rates by Company
Each Arizona car insurance provider has its rating mechanism to set rates. Providers’ pricing for the same quantity of coverage differs.
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Car Insurance Rates by Age
Younger drivers tend to pay more for car insurance, while those between 50 and 60 have the least average rates. Teens pay hefty rates because their inexperience increases accident risk. As people get older than 60, thier rates may begin to increase. This is due to the higher risk of accidents do to health issues.
Cheapest Car Insurance in Arizona
State Farm and USAA are consistently ranked as the country’s most budget-friendly major auto insurance providers. A minimum-liability policy from State Farm costs an average of $44 per month, which is 26 percent less than the average premium for all insurance companies in the country. To qualify for USAA benefits, applicants must be either currently serving in the military, veterans, or a member of their immediate family. We recommend you get quotes from multiple insurance companies if you are looking for cheap vehicle insurance in Arizona.
Top 10 Auto Insurance Companies in Arizona
Largest Auto Insurance Companies in Arizona
| Rank in Arizona |
Company |
Market share % in Arizona |
| 1 |
Berkshire Hathaway Inc. |
15.7 |
| 2 |
State Farm |
15.47 |
| 3 |
Progressive |
11.97 |
| 4 |
USA |
7.96 |
| 5 |
Farmers Insurance |
7.77 |
| 6 |
Allstate Corp. |
7.58 |
| 7 |
American Family Insurance |
6.22 |
| 8 |
Liberty Mutual |
5.5 |
| 9 |
The Hartford |
2.03 |
| 10 |
CSAA Insurance Exchange |
1.98 |
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