Arizona Car Insurance Cost for 2022

How much are Arizona car insurance quotes? We break down average insurance rates and reveal the vehicles with the cheapest auto insurance in Arizona.

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  • Arizona car insurance costs an average of $1,356 per year, or approximately $113 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 Nissan Kicks, Mazda CX-5, Nissan Rogue Sport, and Hyundai Venue.

What is average car insurance cost in Arizona?

In Arizona, the average cost of car insurance is $1,356 per year, which is 12.6% less than the U.S. national average rate of $1,551. Per month, Arizona car insurance averages $113 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 $1,458 per year, the Ram 1500 at $1,550, the Subaru Forester at $1,172, the Subaru Outback at $1,244, and the Chevrolet Equinox at $1,266 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 $1,322, the Toyota Corolla at $1,336 per year, and the Nissan Altima at $1,516 per year.

Popular luxury models like the BMW X3, the Acura MDX, and the Tesla Model S cost an average of $1,662, $1,404, and $2,164 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance cost in Arizona for all 2022 model year vehicles and different driver ages and policy deductible amounts.

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Chart Data Details: Chart shows average Arizona car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Arizona zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Arizona
Average Car Insurance Cost in Arizona
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,286$191
$500$2,692$224
$250$3,120$260
30$1,000$1,198$100
$500$1,428$119
$250$1,662$139
40$1,000$1,146$96
$500$1,356$113
$250$1,574$131
50$1,000$1,046$87
$500$1,234$103
$250$1,430$119
60$1,000$1,028$86
$500$1,212$101
$250$1,404$117

When annual average rates are converted to a monthly figures, the average cost of car insurance per month in Arizona ranges from $86 to $260 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 $356 per year.
  • Bundling your home and car insurance with the same company could save up to $172 per year.
  • An at-fault accident could cause your rates to increase by as much as $558 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 $1,240 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 $288 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 22.3% less than California, 18.9% less than Nevada, 11.5% more than New Mexico, 16.6% less than Colorado, and 7.8% more than Utah.

When compared to states in other regions of the U.S., the average cost of auto insurance in Arizona is 7.9% cheaper than Georgia, 16.3% cheaper than New York, 39.1% cheaper than Florida, and 6.9% 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 #24 out of all 50 states.

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Arizona Car Insurance Cost Compared to Southwest Region
Average Car Insurance Cost in Arizona Compared to Southwest Region
Southwest Region States Average Insurance Cost Annual Difference
New Mexico$1,216-$140
Arizona$1,356--
Texas$1,436$80
Oklahoma$1,480$124

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 Chevrolet Trailblazer, Nissan Kicks, and Buick Encore. Average car insurance rates for those crossover SUVs cost $1,122 or less per year for full coverage.

Examples of other models that have very good insurance rates in our insurance cost comparison are the Acura RDX, Subaru Impreza, Kia Seltos, and Toyota Corolla Cross. 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 $1,176 or less per year in Arizona.

The table below ranks the top 50 vehicles with the cheapest car insurance in Arizona from the 2022 model year.

Top 50 Cheapest Car Insurance Rates in Arizona
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,032$86
2Nissan Kicks$1,058$88
3Chevrolet Trailblazer$1,064$89
4Honda Passport$1,088$91
5Subaru Crosstrek$1,088$91
6Chevrolet Colorado$1,118$93
7Buick Encore$1,122$94
8Toyota C-HR$1,122$94
9Nissan Rogue Sport$1,130$94
10Hyundai Venue$1,150$96
11Buick Envision$1,154$96
12Kia Seltos$1,158$97
13Ford Maverick$1,160$97
14Acura RDX$1,162$97
15Subaru Ascent$1,164$97
16Toyota Corolla Cross$1,164$97
17Subaru Forester$1,172$98
18Hyundai Kona$1,176$98
19Mazda MX-5 Miata$1,176$98
20Volkswagen Tiguan$1,176$98
21Subaru Impreza$1,178$98
22Chevrolet Spark$1,182$99
23Honda CR-V$1,188$99
24Cadillac XT4$1,192$99
25Mazda CX-30$1,200$100
26Ford Ranger$1,204$100
27Honda HR-V$1,218$102
28Ford Edge$1,222$102
29Ford Ecosport$1,228$102
30Chevrolet Trax$1,242$104
31Subaru Outback$1,244$104
32Acura ILX$1,248$104
33GMC Terrain$1,250$104
34Mitsubishi Eclipse Cross$1,252$104
35Hyundai Tucson$1,260$105
36Nissan Murano$1,260$105
37Toyota Tacoma$1,262$105
38Chevrolet Bolt$1,264$105
39Chevrolet Equinox$1,266$106
40Honda Odyssey$1,266$106
41Toyota Venza$1,268$106
42Volkswagen Taos$1,270$106
43Fiat 500X$1,276$106
44Ford Explorer$1,276$106
45Kia Soul$1,282$107
46Toyota RAV4$1,282$107
47Kia Sorento$1,286$107
48Nissan Frontier$1,292$108
49GMC Canyon$1,298$108
50Hyundai Palisade$1,300$108

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Arizona.Data last updated on March 24, 2022
    Top 50 Cheapest Car Insurance Rates in Arizona

    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 Honda CR-V, Mazda CX-5, Ford Ranger, Toyota Tacoma, Nissan Rogue, and Nissan Sentra made it into this list.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Arizona car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Arizona Zip Codes.Data last updated on April 2, 2022
    Arizona Car Insurance Rates for Popular Vehicles
    Arizona Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,032$86
    Honda CR-V$1,188$99
    Ford Ranger$1,204$100
    Toyota Tacoma$1,262$105
    Toyota RAV4$1,282$107
    Ford F150$1,310$109
    Nissan Sentra$1,322$110
    Nissan Rogue$1,328$111
    Toyota Camry$1,334$111
    Toyota Highlander$1,364$114
    Ford Mustang$1,430$119
    Chevrolet Silverado$1,458$122
    Jeep Grand Cherokee$1,494$125
    Ram Truck$1,550$129
    Chevrolet Corvette$1,710$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.