Arizona Car Insurance Quotes & Average Rates
Full coverage car insurance in Arizona is estimated at $2,622 a year, or $219 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $856 a year. Arizona is an at-fault state, and drivers must carry 25/50/15 liability limits. Below you will find estimated rates for 49 Arizona cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Arizona
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Arizona
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,993 | $166 | -24% | Military members and families only |
| Geico | $2,150 | $179 | -18% | Usually cheapest for clean records |
| State Farm | $2,307 | $192 | -12% | Strong for young and student drivers |
| Progressive | $2,491 | $208 | -5% | Competitive after a ticket or accident |
| Travelers | $2,543 | $212 | -3% | Good multi-policy discounts |
| Nationwide | $2,622 | $219 | 0% | Mid-market, wide availability |
| Allstate | $2,989 | $249 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $3,173 | $264 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Arizona. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Arizona car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $7,082 | $2,313 | $590 |
| 18 years old | $5,974 | $1,951 | $498 |
| 20 years old | $4,947 | $1,615 | $412 |
| 22 years old | $4,109 | $1,342 | $342 |
| 25 years old | $3,136 | $1,024 | $261 |
| 30 years old | $2,703 | $883 | $225 |
| 40 years old | $2,541 | $830 | $212 |
| 50 years old | $2,433 | $794 | $203 |
| 60 years old | $2,406 | $786 | $200 |
| 65 years old | $2,514 | $821 | $209 |
| 70 years old | $2,757 | $900 | $230 |
| 75 years old | $3,217 | $1,050 | $268 |
Estimated premiums by age in Arizona, clean record, sedan.
How violations change your Arizona premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,622 | — |
| 1 speeding ticket | $3,225 | +23% |
| 1 at-fault accident | $3,854 | +47% |
| DUI / DWI | $4,956 | +89% |
What a violation costs a 35-year-old in Arizona. Surcharges normally stay on the policy for three to five years.
A DUI in Arizona usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Arizona minimum insurance requirements
| Required coverage in Arizona | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $15,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Arizona Department of Insurance before you buy.
Coverage levels in Arizona
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $856 | $71 |
| Full coverage (100/300/100 + comp & collision) | $2,622 | $219 |
| Full coverage, high limits + low deductible | $3,120 | $260 |
Coverage level comparison for Arizona.
Car insurance rates in Arizona cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 49 Arizona cities we price.