Average car insurance cost in Arizona
Arizona sits in the pricier half of the country at #40 of 51, with average premiums about 13% above the national average — roughly $336 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Arizona compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Arizona next to nearby states:
| State | Full coverage /mo | Difference vs AZ |
|---|---|---|
| Arizona | $236 | — |
| California | $221 | −$15/mo |
| Nevada | $335 | +$99/mo |
| New Mexico | $212 | −$24/mo |
| Utah | $224 | −$12/mo |
Arizona car insurance FAQ
How much is car insurance in Arizona?
Full-coverage car insurance in Arizona averages $236 per month ($2,832 per year). A state-minimum liability policy averages $90 per month ($1,080 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Arizona more expensive than average?
Yes. Arizona's full-coverage average of $236/month is about 13% above the U.S. average of $208/month, ranking #40 of 51 (1 = cheapest).
Is Arizona a no-fault state?
No. Arizona is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Arizona?
Minimum liability in Arizona averages $90/month versus $236/month for full coverage — a gap of $146/month, or $1,752/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.