What Is the Average Car Insurance Cost in Arizona? A Guide to Rates and Savings Tips
Why You Can Trust EverQuote
EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
Arizona requires all drivers to have car insurance. Whether you commute daily to work or you only drive a few times a month, it's vital to understand how much car insurance in Arizona you need for your particular situation. Even more important is knowing the average car insurance cost in Arizona so you avoid paying too much. Here, we break down the average cost of car insurance in Arizona, factors influencing insurance premiums, and more to help you make an informed decision.
Overview of Car Insurance Rates in Arizona
Like any state, car insurance rates in Arizona range depending on the driver, the insurance provider, the coverage, the vehicle, and other important factors. Keep in mind that just because you paid a certain amount once doesn't mean you'll always have the same monthly premium.
Factors Influencing Car Insurance Rates in Arizona
The average car insurance cost in Arizona ranges based on various factors. Some insurance companies may be more affordable than others, but most weigh the same or very similar factors to determine auto insurance premiums.
Age and Gender
Age is a very important factor to consider in auto insurance in Arizona and elsewhere. Teen drivers and elderly drivers tend to be involved in more accidents and, therefore, pose greater risks to insurance companies. Typically, both younger and older drivers can expect to see higher auto insurance premiums.
Believe it or not, every state except for California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania also allow insurance companies to use gender to determine car insurance rates. In states where gender may be used as a factor, men tend to pay higher auto insurance rates than women do because they're seen as riskier drivers.
Driving History
Unsurprisingly, people with a clean driving record are more likely to get better insurance quotes than those with recent accidents or speeding tickets. Insurance companies assess applicants based on risk, and those with checkered driving histories pose a higher risk.
Vehicle Type and Model
When it comes to car insurance, not all cars are equal. That's because different makes and models may be more expensive to repair or replace. For instance, electric vehicles or luxury vehicles have many expensive components, making them more expensive to insure. Likewise, foreign cars often need parts from overseas, raising repair costs and making them more expensive to maintain.
Credit Score
Your credit score is essentially a metric that shows how well you pay off debt. If you have a strong credit history, you're more likely to get approved for better insurance premiums.
Average Monthly Car Insurance Costs in Arizona
The average car insurance cost in Arizona per month is about $111. That translates to about $1,342 per year. However, as mentioned, the actual rates will range depending on several factors. Beyond what we outlined in the previous section, other factors that may influence the average monthly car insurance cost in Arizona include:
- Location: Phoenix is the most expensive city at $1,243 per year while Tucson is the least expensive city at $1,083 per year.
- Coverage: Coverage levels impact cost, with minimum coverage costing around $878 per year and full coverage costing around $2,766 per year.
Arizona vs. National Average
The average car insurance cost in Arizona monthly is about $230 for full coverage. That's slightly higher than the national average of about $212 per month. Again, average rates vary depending on factors like driving history, vehicle type, credit history, location, and coverage policy.
How to Find the Cheapest Car Insurance
Finding cheap car insurance in Arizona doesn't have to be a challenge. There are a few good ways to reduce your insurance premiums and get the best rates possible.
Maintain a Clean Driving Record
The best thing you can do to lower your insurance premiums is be a safe driver. Extended periods without any traffic violations or accidents will put you in a better position to secure low annual premiums. In Arizona, an accident stays on your record for five years, while points from violations may stay on your record for anywhere from one year to three years. If you've had a clean record for more than five years, you should be in good shape to get better auto insurance premiums.
Compare Quotes From Insurance Providers
Every insurance provider assesses applicants differently. A quote for full coverage from one company doesn't mean every company will give you the same quote. Therefore, it's important to gather multiple quotes to see who offers the best prices for the best coverage.
Of course, you can also aim to save by getting just the state's minimum requirement of coverage levels.
Improve Credit Score
Insurance companies view your credit score as a gauge of how well you pay off debt. As such, it's a good idea to focus on improving your credit score by paying down credit cards and other loans before applying for car insurance. A strong credit score can potentially make a big difference in your monthly premium cost.
Compare Car Insurance Rates in Minutes and Save Today!
The average car insurance cost in Arizona is a touch higher than the national average. That said, you don't have to settle for paying more. Use EverQuote's comparison tools to shop quotes and compare coverages in real-time to help you lock in the best annual premiums possible.