Since premiums in the state are lower than the national average, your coverage is likely to be expensive due to individual factors, such as your age, driving history, and zip code. The table below shows the average annual total coverage rates in five Arizona cities, along with the difference between each city's total coverage rates and the overall state average. Your credit score may not have anything to do with your ability to drive safely, but it does influence what you'll pay for insurance. We collected thousands of Arizona zip code quotes for some of the state's largest insurers.
However, the increase in your rate also depends on state laws, your insurance company, and your driving history. The amount you'll pay for car insurance in Arizona per month depends on several factors, such as your driver profile, age, claims and driving history, coverage options, and the make and model of the vehicle. Arizona, like most states, allows insurers to use credit-based insurance scores when calculating rates. As drivers age, their car insurance premiums change, and young and teen drivers pay higher rates than experienced drivers.
If you're new to the state looking for auto insurance coverage, or if you've lived in Arizona for years and want to know how much car insurance costs in Arizona, you can find the information you need here. Your individual driver profile, choice of coverage, location and more will greatly influence the costs of your car insurance, so the best way to know which company is the cheapest for you is usually to compare prices and request more than one quote. Factors such as a history of previous accidents, traffic violations, and poor credit ratings influence how much the policyholder will pay for insurance coverage. Drivers with a speeding ticket or an accident on their record will pay more for insurance than those with a clean driving record.
The following vehicles fit a variety of lifestyles and budgets, and give you an idea of how much auto insurance for your vehicle might cost in Arizona. The default result averages are based on monthly insurance for a 30-year-old male driver, based on the minimum liability coverage required by the state. As a result, people who live in Arizona's highest-risk neighborhoods have to pay more than those who live where the risks are lower. We recommend buying car insurance with full coverage rather than minimal coverage to ensure that you have sufficient protection in the event of a serious accident.