The average driver in Arizona pays about $1,504 a year for full coverage — about 5% more than the US average of $1,438. That ranks Arizona #16 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $722, a high-loss one well over $11,075.
Arizona insurance cost by coverage
Average Arizona premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Arizona
Arizona legally requires at least 25/50/15 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Arizona
Estimated annual premium in Arizona, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Arizona
The priciest cars to insure in Arizona — powerful, theft-prone and costly to repair.
Arizona insurance cost by year
Arizona premiums are up about +25% since 2019. Average Arizona premium by year:
| Year | Arizona avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Arizona's largest cities
Rates vary within Arizona by city and ZIP — dense metros like Phoenix run above the state average, while smaller towns run below. Estimated typical premium in Arizona's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Phoenix | $1,654/yr | +10% urban |
| Tucson | $1,609/yr | +7% urban |
| Mesa | $1,579/yr | +5% urban |
| Chandler | $1,564/yr | +4% urban |
| Scottsdale | $1,534/yr | +2% urban |
| Glendale | $1,519/yr | ≈ state avg |
| Gilbert | $1,504/yr | ≈ state avg |
| Tempe | $1,504/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.