Arizona Car Insurance Cost for 2023

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 $1,618 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% 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.

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Chart Data Details: Chart shows average Arizona car insurance rates for 2023 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 December 30, 2022
Average Car Insurance Cost in Arizona
Average Car Insurance Cost in Arizona
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,722$227
$500$3,214$268
$250$3,736$311
30$1,000$1,428$119
$500$1,704$142
$250$1,992$166
40$1,000$1,368$114
$500$1,618$135
$250$1,882$157
50$1,000$1,244$104
$500$1,474$123
$250$1,710$143
60$1,000$1,222$102
$500$1,446$121
$250$1,680$140

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 24.2% less than California, 23.3% less than Nevada, 11.6% more than New Mexico, 14.5% less than Colorado, and 4.7% more than Utah.

When compared to states in other regions of the U.S., the average cost of auto insurance in Arizona is 10.2% cheaper than Georgia, 20.8% cheaper than New York, 26.3% cheaper than Florida, and 10.7% 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.

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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$1,450-$168
Arizona$1,618--
Texas$1,638$20
Oklahoma$1,948$330

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.

Top 50 Cheapest Car Insurance Rates in Arizona
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,224$102
2Subaru Crosstrek$1,236$103
3Nissan Kicks$1,240$103
4Honda Passport$1,256$105
5Nissan Rogue Sport$1,262$105
6Mazda CX-5$1,270$106
7Buick Encore$1,290$108
8Buick Envision$1,294$108
9Kia Seltos$1,312$109
10Subaru Ascent$1,314$110
11Hyundai Venue$1,318$110
12Subaru Impreza$1,338$112
13Ford Maverick$1,342$112
14Honda HR-V$1,344$112
15Chevrolet Colorado$1,346$112
16Acura RDX$1,350$113
17Hyundai Kona$1,356$113
18Subaru Forester$1,364$114
19Honda CR-V$1,370$114
20Ford Edge$1,372$114
21Mazda CX-30$1,374$115
22Ford Explorer$1,376$115
23Volkswagen Atlas$1,382$115
24Nissan Murano$1,388$116
25Chevrolet Trax$1,390$116
26Subaru Outback$1,392$116
27Nissan Frontier$1,396$116
28Volkswagen Tiguan$1,404$117
29Ford Bronco Sport$1,408$117
30Fiat 500X$1,432$119
31Ford Ranger$1,434$120
32GMC Terrain$1,438$120
33Kia Soul$1,440$120
34Mitsubishi Eclipse Cross$1,440$120
35Volkswagen Atlas Cross Sport$1,444$120
36Lexus RX 350$1,448$121
37Acura Integra$1,452$121
38Chevrolet Equinox$1,454$121
39Cadillac XT4$1,458$122
40Toyota Corolla Cross$1,460$122
41Volkswagen Taos$1,462$122
42GMC Canyon$1,468$122
43Toyota Venza$1,472$123
44Mazda CX-50$1,476$123
45Toyota Tacoma$1,476$123
46Honda Odyssey$1,478$123
47Hyundai Tucson$1,478$123
48Volkswagen Jetta$1,478$123
49Ford Escape$1,482$124
50Kia Sorento$1,484$124

    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 December 29, 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 Mazda CX-5 and Honda CR-V made it into this list.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Arizona car insurance cost is based on 2023 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 December 29, 2022
    Arizona Car Insurance Rates for Popular Vehicles
    Arizona Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,270$106
    Honda CR-V$1,370$114
    Ford Ranger$1,434$120
    Toyota Tacoma$1,476$123
    Nissan Rogue$1,486$124
    Toyota RAV4$1,496$125
    Nissan Sentra$1,500$125
    Toyota Camry$1,538$128
    Toyota Highlander$1,614$135
    Ford F150$1,644$137
    Jeep Grand Cherokee$1,716$143
    Ford Mustang$1,754$146
    Chevrolet Silverado$1,766$147
    Ram Truck$1,768$147
    Chevrolet Corvette$1,994$166

    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.