Arizona Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Arizona car insurance averages about $206 a month ($2,466 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 12% below the national average in our data. It’s about the same as in New Mexico and lower than in California, Colorado, Nevada and Utah. Progressive has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and Progressive), at about $164 a month.

Arizona car insurance: key numbers

• Full coverage: about $206 a month ($2,466 a year)
• Liability only (15/30/10): about $81 a month
• Lowest-priced insurer: Progressive has the lowest full-coverage average among the three major insurers we compared, at about $164 a month
• Recent price change: −3.9% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Maricopa County (about $227 a month) and La Paz County (about $154)

Where you live matters. The Phoenix area costs the most in our data: Maricopa County averages about $227 a month and Pinal County $197. Pima County, home to Tucson, averages $189. Among counties where we price at least three ZIP codes, Cochise County and Mohave County are the least expensive, at about $156. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 221 Arizona ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

Average Cost of Car Insurance in Arizona

Full coverage in Arizona averages $2,466 a year, or about $206 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $970 a year ($81 a month), and 50/100/50 liability with comprehensive and collision averages $2,188 ($182 a month).

• Full coverage (100/300/100, $500 deductibles): $2,466 a year ($206 a month)
• 50/100/50 with $500 deductibles: $2,188 a year ($182 a month)
• Liability only (15/30/10): $970 a year ($81 a month)
• Phoenix: $3,024 a year ($252 a month) for full coverage
• Tucson: $2,288 a year ($191 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Arizona Compares With Neighboring States

Arizona’s average is about $126 a month below California’s, $63 below Colorado’s, $201 below Nevada’s, $1 above New Mexico’s and $36 below Utah’s. It’s the 22nd-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Arizona: Companies Compared

• Lowest average among these three insurers, full coverage: Progressive, at about $164 a month ($1,968 a year).
• Next lowest: GEICO, at about $171 a month.
• Lowest liability-only average (15/30/10): Progressive, at about $64 a month, then GEICO at $73.
• State Farm (Nov. 2025 rates)*: about $231 a month for full coverage, from its November 2025 rates.
• Also on our list: Travelers at about $162 a month, USAA at $176, Auto-Owners at $190 and Nationwide at $218 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $281 a month for full coverage, $1,409 a year more than Progressive.

Progressive has the lowest full-coverage average among the three insurers in our Arizona rate data. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts Progressive first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these three insurers, at about $64 a month, followed by GEICO at $73.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

See What You’d Pay in Arizona

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How Arizona’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Arizona?

Not for our benchmark driver. Comparing the same insurers in the same Arizona ZIP codes, full coverage averaged $2,566 a year nine months earlier and $2,466 in rates as of Aug. 31, 2026, a 3.9% drop. Progressive cut its Arizona average 16.9%, while Allstate raised its average 3.1%; GEICO’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Rates for liability-only coverage at 15/30/10 limits were roughly flat.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Arizona Car Insurance Costs

Arizona’s full-coverage average is the 22nd-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The Phoenix area. Maricopa County is the most expensive county in our data. Phoenix averages $252 a month and Glendale $250, while the East Valley costs less: Mesa averages $210 and Scottsdale $198.
• Few insurers in our data. Our Arizona averages come from three insurers, and Allstate’s average is well above GEICO’s and Progressive’s, which pulls the state average up.
• How rates are set. Arizona is a use-and-file state: insurers file their rates with the Department of Insurance and Financial Institutions within 30 days after the rates take effect. State law bars rates that are excessive, inadequate or unfairly discriminatory.

Arizona Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Phoenix is the most expensive, at $252 a month for full coverage, followed by Glendale at $250 and Peoria at $221. Lake Havasu City is the least expensive, at about $149. Across all 81 cities and towns we price, averages run from about $271 in Tolleson to $149 in Lake Havasu City and Sierra Vista.

The table lists all 81 Arizona cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Arizona City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Arizona Car Insurance Rates by County

Maricopa County is the most expensive county in our data, at about $227 a month for full coverage, followed by Pinal County ($197) and Pima County ($189). The least expensive are La Paz County ($154) and Mohave and Cochise counties (both $156). We price 14 of Arizona’s 15 counties.

How Much More Does Better Coverage Cost in Arizona?

Raising liability limits from 50/100/50 to 100/300/100 adds about $278 a year on average statewide in our data, with the same $500 deductibles. Across the three insurers, the step up costs $233 (Progressive) to $361 (Allstate) a year. Statewide, that’s about $23 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Arizona Car Insurance Rules at a Glance

What Car Insurance Is Required in Arizona?

Arizona law requires liability insurance on every vehicle you own and drive, according to the Arizona MVD. For policies issued or renewed since July 1, 2020, the minimum policy is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $15,000 in property damage liability.

Insurers must offer uninsured and underinsured motorist coverage by written notice on a form approved by the state, and your declarations page records whether you bought it. It’s optional, but if you choose it, the smallest amount you can buy is 25/50.

Arizona is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage. You must keep proof of insurance in your car, and you can show it on your phone. Insurers report policy changes, including cancellations, to the MVD, and letting your coverage lapse can lead to a suspended registration or license.

Driving uninsured brings a civil penalty of at least $500 and a three-month suspension or restriction of your driving privileges for a first violation. A second violation within 36 months brings at least $750 and a six-month suspension of your license, registration and plates, and a third within 36 months brings at least $1,000 and a one-year suspension of your license, registration and plates. To reinstate, the MVD requires an SR-22 certificate, which you must keep for three years from the date of suspension.

How to Lower Your Car Insurance Rate in Arizona

1. Quote several insurers. Among the three major insurers we compared in Arizona, the lowest and highest averages are about $117 a month apart for the same driver and car.
2. Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the three major insurers we compared in Arizona, about $164 and $171 a month.
3. Weigh uninsured motorist coverage. Arizona insurers must offer it in writing, and you can turn it down. If you choose it, the minimum is 25/50, and it pays when a driver with no insurance or too little insurance injures you.
4. Keep proof of insurance on your phone. Arizona lets you show it on a phone, and not being able to show proof when an officer asks is a civil traffic violation.
5. Don’t let coverage lapse. Insurers tell the MVD when a policy is canceled or not renewed, and a lapse can lead to a suspended registration or license.
6. Know your rights after a crash you didn’t cause. Under Arizona law, an insurer can’t raise your premium because of an accident you didn’t cause or significantly contribute to.
7. Know how credit is used. Arizona limits the credit information insurers can use in an insurance score. Medical collection accounts don’t count, and if credit leads to a higher price, the insurer must tell you up to four main reasons.
8. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 16.9%, while Allstate has raised its average 3.1%, so the order in our table can shift.
9. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
10. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Arizona and our home insurance guides for Mesa, Phoenix and Tucson, then compare free home insurance quotes.

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How We Calculated Arizona Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 663 full-coverage premiums from three insurers across 221 Arizona ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Arizona averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. Farmers’ Arizona prices in the rate data are for a program with extra eligibility requirements, so we leave them out. We publish the averages as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Arizona’s minimum is now 25/50/15, so our liability-only prices use lower limits than the law requires.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Arizona rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Arizona law and the Arizona Department of Insurance and Financial Institutions. We refresh these figures when new rate data is released.

More Arizona Car Insurance Breakdowns

The tables in this section come from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use them to compare categories with each other.

Arizona Car Insurance Rates by Age

In this analysis, a 17-year-old pays about 3.0 times as much for full coverage as a 39-year-old. Prices keep falling into a driver’s 60s and rise again after that.

Does Vehicle Type Affect Car Insurance Costs?

An SUV is the least expensive vehicle type to insure in this analysis, and a luxury coupe costs about 66% more for full coverage.

How Much Is Insurance for a New Car in Arizona?

New vehicles cost more to insure in every category, from about 10% more for a luxury coupe to 18% more for an SUV or a truck.

How Much Do Tickets and Accidents Raise Car Insurance?

One speeding ticket raises full coverage about 25% in this analysis, an at-fault accident about 36% and a DUI about 38%.

More Arizona Cities in the Additional Analysis

This table from the same additional InsuranceQuotes rate analysis covers 323 Arizona cities and towns, including many that aren’t in the rate data behind the rest of this page. Use it to compare places with each other.

Arizona Car Insurance FAQ