The average cost of car insurance in Arizona is $1,748 per year for full coverage and $610 per year for minimum liability coverage. However, your actual premium will be highly personalized, with Arizona drivers paying anywhere from $500 to over $3,000 annually. The final price is determined by a combination of state-specific factors and your individual driver profile.
Several key elements significantly impact your rate in Arizona. Your driving record is paramount; a single speeding ticket can increase your premium by hundreds of dollars, while a DUI conviction can cause it to skyrocket. Your age and location also play a huge role. A 16-year-old in Phoenix will pay exponentially more than a 50-year-old in a rural town like Sedona. The table below illustrates how these factors can affect average annual full coverage premiums.
| Driver Profile / Location | Phoenix | Tucson | Mesa | Chandler | Rural Arizona (e.g., Payson) |
|---|
| Teen Driver (16-19) | $4,200 - $5,800 | $3,900 - $5,400 | $3,800 - $5,200 | $3,700 - $5,100 | $3,000 - $4,200 |
| Adult Driver (30s, clean record) | $1,800 - $2,200 | $1,650 - $2,000 | $1,600 - $1,950 | $1,550 - $1,900 | $1,300 - $1,600 |
| Senior Driver (65+) | $1,900 - $2,400 | $1,750 - $2,200 | $1,700 - $2,100 | $1,650 - $2,050 | $1,400 - $1,750 |
| Driver with 1 At-Fault Accident | $2,400 - $3,000 | $2,200 - $2,800 | $2,150 - $2,700 | $2,100 - $2,600 | $1,800 - $2,200 |
Beyond these, the type of car you drive matters. Insuring a new sports car costs far more than a family sedan. Your credit-based insurance score (where permitted by law) is also a major factor insurers use to assess risk. To get the best rate, it's crucial to shop around and compare quotes from at least three different companies. Even minor tweaks, like opting for a slightly higher deductible, can lead to significant savings.
