- Arizona car insurance costs an average of $2,328 per year, or approximately $194 per month.
- Out of four Southwest region states, Arizona ranks second for car insurance affordability. For all 50 states, Arizona ranks 24th for cheapest car insurance rates.
- The cheapest car insurance in Arizona is on compact SUV models like the Chevrolet Trailblazer, Subaru Crosstrek, Hyundai Venue, and Mazda CX-5.
What is average car insurance cost in Arizona?
In Arizona, the average cost of car insurance is $2,328 per year, which is 4.7% more than the U.S. national average rate of $2,221. Per month, Arizona car insurance averages $194 for full coverage.
Average Arizona car insurance quotes for the most popular new vehicles sold in the last year include the Chevrolet Silverado 1500 at an average of $2,576 per year, the Ram 1500 at $2,694, the Subaru Forester at $2,072, the Subaru Outback at $1,984, and the Chevrolet Equinox at $2,146 per year.
For the most popular used cars, The Ram and Chevy trucks made the list as well as the Nissan Sentra at an average insurance cost of $2,132, the Toyota Corolla at $2,268 per year, and the Nissan Altima at $2,524 per year.
Popular luxury models like the BMW X3, the Acura MDX, and the Tesla Model S cost an average of $2,746, $2,328, and $3,054 per year, respectively, for full-coverage car insurance.
The chart below shows average car insurance cost in Arizona for all 2024 model year vehicles and different driver ages and policy deductible amounts.
When annual average rates are converted to a monthly figures, the average cost of car insurance per month in Arizona ranges from $136 to $454 for the rates shown in the chart.
The list below includes some additional situations that can cause rates increases or decreases for the average driver.
- Minor traffic violations like a speeding ticket could increase the annual cost of auto insurance in Arizona by up to $620 per year.
- Bundling your home and car insurance with the same company could save up to $302 per year.
- An at-fault accident could cause your rates to increase by as much as $970 each year, not to mention losing any claim-free policy discounts.
- A 40-year-old driver with a serious violation like driving without insurance or a DUI could see a rate increase of $2,168 or more per year.
- The vehicle you insure makes a significant difference in the cost. For example, driving a Toyota Tacoma instead of a Ram 1500 pickup could save as much as $336 per year on car insurance cost.
How does Arizona car insurance compare to other states?
When compared to surrounding states, Arizona car insurance rates are 19.9% less than California, 19.1% less than Nevada, 7.3% more than New Mexico, 11.1% less than Colorado, and 2.9% more than Utah.
When compared to states in other regions of the U.S., the average cost of auto insurance in Arizona is 7.7% cheaper than Georgia, 16.7% cheaper than New York, 16.8% cheaper than Florida, and 6.8% more expensive than North Dakota.
The chart below shows how auto insurance cost in Arizona compares to the other Southwest U.S. states of New Mexico, Texas, and Oklahoma. Arizona ranks second out of the four states in the Southwest region for cheapest car insurance rates, and ranks 24th out of all 50 states.
What is the cheapest car insurance in Arizona?
The vehicles with the lowest cost average auto insurance quotes in Arizona tend to be small SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross. Average car insurance rates for those crossover SUVs cost $1,876 or less per year for full coverage.
Examples of other models that have very good insurance rates in our insurance cost comparison are the Buick Encore, Volkswagen Taos, Acura RDX, and Honda CR-V. Average auto insurance rates are a little higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have average rates of $2,028 or less per year in Arizona.
The table below ranks the top 50 vehicles with the cheapest car insurance in Arizona from the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,720 | $143 |
| 2 | Chevrolet Trailblazer | $1,748 | $146 |
| 3 | Kia Soul | $1,816 | $151 |
| 4 | Nissan Kicks | $1,834 | $153 |
| 5 | Honda Passport | $1,856 | $155 |
| 6 | Buick Envision | $1,866 | $156 |
| 7 | Toyota Corolla Cross | $1,876 | $156 |
| 8 | Hyundai Venue | $1,894 | $158 |
| 9 | Mazda CX-5 | $1,900 | $158 |
| 10 | Ford Bronco Sport | $1,906 | $159 |
| 11 | Volkswagen Tiguan | $1,928 | $161 |
| 12 | Acura RDX | $1,948 | $162 |
| 13 | Nissan Murano | $1,956 | $163 |
| 14 | Buick Encore | $1,978 | $165 |
| 15 | Subaru Outback | $1,984 | $165 |
| 16 | Honda CR-V | $1,986 | $166 |
| 17 | Buick Envista | $1,990 | $166 |
| 18 | Volkswagen Taos | $1,994 | $166 |
| 19 | Kia Niro | $2,004 | $167 |
| 20 | Toyota GR Corolla | $2,026 | $169 |
| 21 | Honda HR-V | $2,028 | $169 |
| 22 | Subaru Ascent | $2,028 | $169 |
| 23 | Nissan Leaf | $2,038 | $170 |
| 24 | Chevrolet Colorado | $2,052 | $171 |
| 25 | Honda Civic | $2,064 | $172 |
| 26 | Lexus NX 250 | $2,064 | $172 |
| 27 | Volkswagen Atlas | $2,066 | $172 |
| 28 | Acura Integra | $2,070 | $173 |
| 29 | Subaru Forester | $2,072 | $173 |
| 30 | Volkswagen Atlas Cross Sport | $2,076 | $173 |
| 31 | Kia Seltos | $2,080 | $173 |
| 32 | GMC Terrain | $2,084 | $174 |
| 33 | Nissan Rogue | $2,092 | $174 |
| 34 | Hyundai Kona | $2,096 | $175 |
| 35 | Cadillac XT4 | $2,102 | $175 |
| 36 | Mazda CX-30 | $2,102 | $175 |
| 37 | Volkswagen ID4 | $2,110 | $176 |
| 38 | Ford Explorer | $2,114 | $176 |
| 39 | Toyota Highlander | $2,118 | $177 |
| 40 | Ford Escape | $2,124 | $177 |
| 41 | Toyota Venza | $2,126 | $177 |
| 42 | Honda Odyssey | $2,128 | $177 |
| 43 | Nissan Sentra | $2,132 | $178 |
| 44 | Subaru Impreza | $2,142 | $179 |
| 45 | Chevrolet Equinox | $2,146 | $179 |
| 46 | Toyota RAV4 | $2,148 | $179 |
| 47 | Mazda MX-5 Miata | $2,156 | $180 |
| 48 | Mazda MX-30 | $2,162 | $180 |
| 49 | Hyundai Tucson | $2,164 | $180 |
| 50 | Chevrolet Traverse | $2,174 | $181 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Arizona Zip Codes. Updated June 26, 2025
Arizona car insurance rates for popular vehicles
The chart below shows average auto insurance rates in Arizona for 15 of the more popular vehicles sold in the state. Out of the top 50 vehicles with the cheapest car insurance rates, only the Mazda CX-5 and Honda CR-V made it into this list.
Car insurance in larger Arizona cities
Average car insurance rates are shown below for some of the larger cities in Arizona. Each city has it’s own dedicated page that shows not only average rates, but also the cheapest vehicles to insure for a variety of automotive segments.
- Phoenix Car Insurance - $2,646 per year or $221 per month
- Tucson Car Insurance - $2,368 per year or $197 per month
- Mesa Car Insurance - $2,424 per year or $202 per month
- Chandler Car Insurance - $2,384 per year or $199 per month
- Glendale Car Insurance - $2,562 per year or $214 per month
- Scottsdale Car Insurance - $2,432 per year or $203 per month
- Gilbert Car Insurance - $2,394 per year or $200 per month
- Tempe Car Insurance - $2,432 per year or $203 per month