Car insurance in Arizona costs between $48 and $130 per month for minimum coverage and $111 to $230 per month for full coverage. Arizona drivers pay an average of $88 per month for minimum coverage and $162 per month for full coverage, slightly below the national average of $187 per month for full coverage. Rates vary based on your age, driving history, credit score, coverage level, and city, with Phoenix drivers typically paying the most.
Arizona offers car insurance rates that are generally in line with, and recently slightly below, the national average, making the Grand Canyon State a reasonable place to budget for coverage. According to Insurify’s 2026 data, the average Arizona driver’s full coverage cost actually declined nearly 6% between December 2024 and December 2025, with only a modest 0.8% increase projected for 2026. That said, your specific rate can vary significantly based on where you live, your driving record, and your credit profile. This guide breaks down exactly what Arizona drivers can expect to pay and what factors influence your premium.
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Here is an overview of current average rate ranges across coverage types for Arizona drivers:
| Coverage Type | Monthly Rate Range | Annual Rate Range |
|---|---|---|
| Minimum / Liability Only | $48 – $130/mo | $576 – $1,560/yr |
| Full Coverage | $111 – $230/mo | $1,332 – $2,760/yr |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Arizona’s overall car insurance costs are slightly below the national average. The state’s rapid population growth in the Phoenix and Tucson metro areas has increased traffic density, but a competitive insurance market and several insurers offering rates well below the state average help keep Arizona affordable for drivers who shop around.
All Arizona drivers must carry the following minimum liability coverage to legally register and drive a vehicle:
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability (per person) | $25,000 |
| Bodily Injury Liability (per accident) | $50,000 |
| Property Damage Liability | $15,000 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Arizona does not require uninsured/underinsured motorist coverage or PIP by law, but both are strongly recommended given the state’s uninsured driver rate of approximately 17.9%, well above the national average of 13%. If your vehicle is financed or leased, your lender will typically require full coverage regardless of state minimums.
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Several insurers offer competitive rates across different Arizona driver profiles and cities:
| Company | Min. Coverage Range | Full Coverage Range | Best For |
|---|---|---|---|
| Auto-Owners | $38 – $64/mo | $95 – $130/mo | Cheapest minimum liability statewide; many cities |
| Travelers | $45 – $70/mo | $83 – $135/mo | Cheapest full coverage overall |
| State Farm | $48 – $75/mo | $105 – $145/mo | Clean-record drivers; telematics discount program |
| GEICO | $50 – $80/mo | $111 – $150/mo | At-fault accidents; broad availability |
| Progressive | $55 – $90/mo | $126 – $176/mo | DUI drivers and SR-22 filings |
| USAA | $40 – $65/mo | $95 – $135/mo | Military members, veterans, and their families |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Location plays a significant role in what Arizona drivers pay. Phoenix and Glendale carry the highest premiums in the state, driven by traffic density and elevated vehicle theft rates, while Tucson and several smaller cities are notably more affordable.
| City | Avg. Monthly Range (Full Coverage) | vs. State Average |
|---|---|---|
| Phoenix | $181 – $230/mo | Well Above Average (highest in state) |
| Glendale | $175 – $220/mo | Well Above Average |
| Mesa | $120 – $160/mo | Near to Above Average |
| Chandler | $110 – $150/mo | Near Average |
| Scottsdale | $105 – $145/mo | Near to Below Average |
| Tucson | $100 – $141/mo | Below Average |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
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Car insurance rates in Arizona vary significantly based on your individual profile. The table below shows how key factors compare to the statewide baseline for a driver with a clean record.
| Driver Profile | Avg. Monthly Range | Avg. Annual Range | vs. Clean Record |
|---|---|---|---|
| Teen Driver (16–19) | $280 – $480/mo | $3,360 – $5,760/yr | 3x higher |
| Young Adult (20–25) | $180 – $260/mo | $2,160 – $3,120/yr | 1.6x higher |
| Adult Driver (30–55) | $88 – $162/mo | $1,056 – $1,944/yr | Baseline |
| Senior Driver (65+) | $105 – $175/mo | $1,260 – $2,100/yr | Slightly higher |
| After 1 At-Fault Accident | $135 – $200/mo | $1,620 – $2,400/yr | +39–48% |
| After a DUI | $172 – $226/mo | $2,064 – $2,712/yr | +54–101% |
| After a Speeding Ticket | $125 – $190/mo | $1,500 – $2,280/yr | +22–42% |
| Poor Credit Score | $203 – $349/mo | $2,436 – $4,188/yr | +90–130% |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Arizona requires an SR-22 certificate for drivers convicted of certain serious violations, including DUI, driving without insurance, or accumulating excessive points on their license. An SR-22 is not a type of insurance policy, it is a certificate filed by your insurer with the Arizona Department of Transportation confirming that you carry at least the state’s minimum required coverage.
Arizona’s SR-22 requirement typically lasts two years, shorter than the three-year requirement common in many other states. Filing the SR-22 itself usually costs $15–$50 as a one-time fee from your insurer, but the larger cost is the rate increase tied to the underlying violation. A DUI conviction in Arizona raises full-coverage rates by an average of 54–101%, depending on the data source and insurer, pushing monthly premiums from the $162/mo statewide average to $172–$226/mo or more. Maintaining continuous coverage throughout the SR-22 period is essential, a lapse can restart the filing requirement.
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Arizona law requires proof of insurance before you can register a vehicle, and you must maintain coverage continuously while driving. If caught driving without insurance, penalties can include:
If stopped without proof of insurance, you must obtain valid coverage and provide proof to avoid further penalties. Reinstating a suspended license requires paying the applicable fees and providing proof of current insurance to the Arizona Department of Transportation.
Every individual’s situation is unique. There’s no one-size-fits-all policy, so the best car insurance policy for you might not be the best for someone else.
Maybe you’ve got some teenagers in the family and are looking for an affordable insurance policy that puts your mind (somewhat) at ease while your kids are on the road.
Or perhaps you just bought yourself a new classic car, and are in need of a specialty car insurance policy with a high maximum just in case (god forbid) something were to damage your baby.
No matter the situation you find yourself in, ConsumerCoverage has your back. Contact us today for access to free quotes on Arizona car insurance, so you can hit the road without looking back.
Arizona car insurance costs between $48 and $130 per month for minimum coverage and $111 to $230 per month for full coverage, based on 2026 Insurify data. The statewide average is $88 per month for minimum coverage and $162 per month for full coverage — slightly below the national average of $187 per month for full coverage.
Arizona requires drivers to carry: $25,000 per person / $50,000 per accident in bodily injury liability, and $15,000 in property damage liability. Arizona does not legally require uninsured/underinsured motorist coverage or PIP, though both are strongly recommended given the state’s elevated uninsured-driver rate.
Based on 2026 Insurify data, Auto-Owners offers some of the lowest minimum liability rates in Arizona, with quotes starting around $38–$48 per month depending on the city. Travelers is often the most affordable option for full coverage. The cheapest company for you specifically will depend on your driver profile, so comparing multiple quotes is recommended.
A DUI conviction in Arizona raises car insurance rates by an average of 54–101%, depending on the data source and insurer, based on 2026 data. Full coverage premiums can increase from the $162/mo statewide average to $172–$226/mo or more. Arizona also requires SR-22 filing after a DUI, which must be maintained for two years.
Phoenix is Arizona’s most expensive city for car insurance, with full coverage averaging $181–$230 per month, well above the state average of $111–$230 per month. Phoenix’s high vehicle theft rate, dense traffic, and rapid population growth all contribute to above-average premiums. Drivers in Tucson and Scottsdale typically pay less.
Yes. Arizona permits insurers to use credit-based insurance scores when setting premiums. Drivers with poor credit pay 90–130% more than drivers with good credit for the same coverage, based on 2026 data. Maintaining or improving your credit score is one of the most effective ways to reduce your car insurance costs in Arizona.
An SR-22 in Arizona is a certificate of financial responsibility filed by your insurance company with the Arizona Department of Transportation. It confirms that you carry at least the state’s minimum required car insurance. SR-22 filing is required after certain violations, including DUI, driving without insurance, and license suspension. In Arizona, the SR-22 requirement typically lasts two years.
Driving without insurance in Arizona can result in fines of up to $1,000, license suspension for up to one year, vehicle registration suspension, and a mandatory two-year SR-22 filing requirement. Repeat violations can lead to additional penalties, including possible vehicle impoundment.
Comprehensive coverage is especially valuable in Arizona due to the state’s high vehicle theft rate (Phoenix ranks among the top 10 U.S. cities for auto theft), monsoon storms that can cause flash flooding and hail damage, and extreme heat and dust storms that can damage vehicles. Comprehensive coverage also protects against these risks, which liability-only and even collision coverage do not cover.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
