The Essential Cheap Auto Insurance Rates Guide in Arizona (2022)
The cheapest auto insurance in AZ is determined by many factors, including your age, gender, location, driving record, and credit score. From cheap full coverage insurance in AZ to the state minimum requirement, you can save money by keeping your record clean, taking advantage of discounts, and shopping for quotes.
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UPDATED: Jan 7, 2022
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- Arizona residents pay an average of $128 a month for full coverage and $48 for the state minimum insurance requirement
- Factors that go into the price of your insurance include your age, gender, location, driving record, and credit score
- To save money, keep your record clean, take advantage of discounts, and shop around for rates
The Grand Canyon state follows the golden rule: do unto others as you would have them do unto you. Luckily for Arizonans, auto insurance companies usually respect the state motto with affordable insurance prices.
From cheap full coverage insurance in AZ to the state minimum, you can find insurance to fit your budget no matter how small it is.
Comparing quotes is crucial if you want to find the cheapest auto insurance in AZ. Enter your ZIP code into our free tool to see what quotes might look like for you.
How much does car insurance cost in Arizona per month?
The average driver in Arizona pays around $128 a month for full coverage. However, you should take that number with a grain of salt. There are a lot of factors that affect the price of your insurance, so you could pay much higher or lower than the average.
For Arizona residents, the area you live in will play a huge role in the price of your insurance. Other factors include your age, gender, driving history, credit score, and the level of insurance your choose.
AZ Insurance Rates by Company
Each insurance company that operates in Arizona has its own formula for determining the price of your insurance. That means that you’ll see different prices from different companies for the same coverage levels.
Company Average monthly cost for full coverage
State Farm $102
Country Financial $175
The Hartford $104
American Family $107
While these are the top 15 insurance providers in Arizona, there are other options. The difference in rates should show you the importance of comparing quotes.
AZ Insurance Rates by City
No matter where you live in the country, the city you live in will be a big part of your insurance price. The difference in rates comes from the cost of living, medical care, vehicle repairs, property damage repairs, and the average insurance price.
Usually, the larger the city, the higher the insurance rate. Here, you can see the average insurance price for the largest cities in Arizona.
City Average monthly cost of full coverage
As you can see, this is another factor with significant differences in prices. Another reason for the difference between cities is the number of claims being made there. For example, even though Chandler and Mesa are about the same size, a slightly higher percentage of claims are filed in Mesa.
How do other factors affect the price of AZ auto insurance?
Other factors that affect your insurance include your gender, age, credit score, and driving history play an integral role in your insurance.
For age, younger drivers don’t have the experience needed to avoid traffic problems. They’re also more likely to engage in risky behavior. The age group that pays the least are adults aged 50 to 60. After a certain age, rates tend to go back up due to impairments that come with getting older.
Age Average monthly price of full coverage
16 (added to parent's plan) $225
The same thing goes for gender. Men usually pay more for insurance than women because they are statistically more likely to take risks while driving. One interesting thing to note about Arizona is that it is one of the few states where women pay more on average at age 40.
Insurance companies look at your credit score to assess your ability to pay your bill. There’s also a link between lower credit ratings and the chance that you’ll file a claim. Drivers with poor credit will find themselves with higher bills.
One of the worst things to have against you is a bad driving history. Consider the average prices for people with incidents on their record.
Traffic incident Average monthly cost of full coverage
Speeding ticket $171
When you’ve engaged in risky behaviors that got you a ticket, into an accident, or worst, you’re more likely to engage in them again. Car insurance for a bad driving record is more expensive so that an insurance company can protect itself financially.
If you have too many incidents, you might be outright refused insurance coverage.
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What are the minimum coverage requirements in AZ?
Drivers looking for low-income car insurance in AZ should probably consider getting the bare minimum amount of insurance you need to stay legal. There are a lot of risks that come with low insurance coverage, but it’s a good option if you can’t afford anything else.
In Arizona, the minimum requirement for insurance is:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
As far as minimum coverage goes, Arizona is fairly cheap. However, keep in mind that if you cause more damage than your insurance limit, you’ll be on the hook to pay for it.
The average monthly cost for state minimum insurance in Arizona is $46.
You can get the minimum liability coverage if you own your car outright, but you’ll likely need full coverage if you have loaned or leased your vehicle. If you need more insurance, there are ways to save money on your policy.
How can you save money on insurance in AZ?
The best way to save money on your insurance is to keep your driving record clean and your credit score up. These are factors you control, so you should try to keep them in good standing.
Most companies offer discounts, as well. While there are a lot of discounts out there, here are some of the most common:
- Good student
- Good driver
- Defensive driving class
- Anti-theft device
Finally, you should compare quotes to save the most money. As you’ve seen in the graphs above, there is a lot of variance in insurance quotes for Arizona residents. It’s almost impossible to pick the cheapest one without looking at quotes.
How to Find the Cheapest Insurance in AZ
From Flagstaff to Tucson, Arizona residents know their state has a lot of variety. That’s true of both the landscape and insurance prices.
To find the cheapest auto insurance in Arizona, you should start by shopping around. Enter your ZIP code into our free tool to see what quotes might look like for you.