- Arizona car insurance costs an average of $1,618 per year, or approximately $135 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 Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Kia Seltos.
What is average car insurance cost in Arizona?
In Arizona, the average cost of car insurance is $1,618 per year, which is 4.1% less than the U.S. national average rate of $1,685. Per month, Arizona car insurance averages $135 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 $1,766 per year, the Ram 1500 at $1,768, the Subaru Forester at $1,364, the Subaru Outback at $1,392, and the Chevrolet Equinox at $1,454 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 $1,500, the Toyota Corolla at $1,516 per year, and the Nissan Altima at $1,726 per year.
Popular luxury models like the BMW X3, the Acura MDX, and the Tesla Model S cost an average of $1,902, $1,612, and $2,480 per year, respectively, for full-coverage car insurance.
The chart below shows average car insurance cost in Arizona for all 2023 model year vehicles and different driver ages and policy deductible amounts.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
When annual average rates are converted to a monthly figures, the average cost of car insurance per month in Arizona ranges from $102 to $311 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 $422 per year.
- Bundling your home and car insurance with the same company could save up to $210 per year.
- An at-fault accident could cause your rates to increase by as much as $662 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 $1,484 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 $292 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 27.5% less than California, 26.4% less than Nevada, 11% more than New Mexico, 15.6% less than Colorado, and 4.6% more than Utah.
When compared to states in other regions of the U.S., the average cost of auto insurance in Arizona is 10.8% cheaper than Georgia, 23.2% cheaper than New York, 30.3% cheaper than Florida, and 10.1% 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.
|Southwest Region States||Average Insurance Cost||Annual Difference|
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 Nissan Kicks, Subaru Crosstrek, and Buick Encore. Average car insurance rates for those crossover SUVs cost $1,290 or less per year for full coverage.
Examples of other models that have very good insurance rates in our insurance cost comparison are the Honda HR-V, Subaru Forester, Subaru Impreza, and Chevrolet Colorado. 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 $1,370 or less per year in Arizona.
The table below ranks the top 50 vehicles with the cheapest car insurance in Arizona from the 2023 model year.
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.
|Make/Model||Annual Rate||Monthly Rate|
|Jeep Grand Cherokee||$1,716||$143|
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 - $1,936 per year or $161 per month
- Tucson Car Insurance - $1,654 per year or $138 per month
- Mesa Car Insurance - $1,710 per year or $143 per month
- Chandler Car Insurance - $1,672 per year or $139 per month
- Glendale Car Insurance - $1,854 per year or $155 per month
- Scottsdale Car Insurance - $1,722 per year or $144 per month
- Gilbert Car Insurance - $1,680 per year or $140 per month
- Tempe Car Insurance - $1,722 per year or $144 per month