You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout animation ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make chic personal finance decisions. We follow rigorous guidelines to ensure that our editorial subject is not influenced by advertisers. Our editorial team receives no direct recompense from advertisers, and our subject is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your believe. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in position to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive direct compensation from our advertisers. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the proper fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first base. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — sol you can feel convinced about which provider is right for you. Bankrate follows a rigid editorial policy, so you can trust that we ’ re putting your interests beginning. All of our content is authored by highly certified professionals and reviewed by subject count experts, who ensure everything we publish is aim, accurate and worthy of your trust. Founded in 1976, Bankrate has a farseeing track read of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making work and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. The average cost of car policy in Arizona is $ 1,547 per year, or about $ 129 per calendar month, for full coverage. To determine this, Bankrate conducted a study of fully coverage rates, obtained from Quadrant Information Services, for 345 ZIP codes in the Grand Canyon state. The national median cost of wax coverage is $ 1,674 per year, so Arizona drivers pay an average annual come $ 127 less than drivers in the nation as a whole. however, there are many factors that can affect Arizona car policy rates, including your age, driving history, claim history, the character of vehicle you own and what coverage and levels you choose. Understanding average cable car indemnity rates in Arizona and how they compare to national and regional average rates might help you find the right provider for your needs .
How much is car insurance in Arizona?
Arizona drivers pay an average of $ 1,547 for full coverage per class. however, there are numerous denounce factors that impact how a lot you ’ ll pay up. The biggest of these include where you live within Arizona and the types and degree of coverage you choose. The car policy company you pick, your age, sex, credit score, driving history and fomite type will besides affect your premium .
Arizona car insurance rates
|Average annual minimum coverage premium||Average annual full coverage premium|
Arizona car insurance rates by city
The city you live in plays a big function in how much you pay for cable car insurance. The cost of medical concern in a given city can impact how a lot bodily injury liability coverage and medical payments coverage costs, and the cost for fomite repairs can impact the premium for property price liability, comprehensive examination and collision coverage. generally, larger cities have higher costs of know, and frankincense higher average car policy rates.
|City||Average annual full coverage premium||% difference from Arizona average|
Arizona car insurance rates by company
Every car policy company in Arizona has its own unique fink algorithm to determine how much you ’ ll pay for car insurance. Because of this, rates for the same come of coverage will vary by provider. The providers below are the top 19 car insurance companies by market parcel in Arizona. As you can see, rates are quite a bit different .
Arizona car insurance rates by age
cable car policy companies besides use age as a rate factor, with younger drivers tending to pay the most for insurance and drivers between the ages of 50 and 60 having the cheapest average rates. Teens pay among the highest rates ; their inexperience lends itself to a higher gamble for accidents. aged drivers may besides see their rates begin to rise again, because age-related impairments can affect driving habits. *16-year-old calculated on rear ’ sulfur policy disclosure ; 18- and 20-year-old are renters
Arizona car insurance rates by gender
Your sex can besides impact Arizona car insurance rates. Generally, men pay for more car indemnity than women, because men are statistically more probably to engage in hazardous drive behaviors. however, the rates below are for male and female drivers in Arizona at age 40, and women pay slightly more than men at that old age. At early ages, men tend to pay more than women .
|Average annual full coverage premium|
Arizona car insurance by credit score
Your credit evaluation can impact your car insurance rates in Arizona vitamin a well. Although the induce may not seem immediately apparent, a statistical liaison exists between citation rat and the likelihood of filing a claim. Drivers with poor recognition are more likely to file claims, so policy companies broadly charge higher rates to compensate for the increased hazard. Average annual full coverage rate by credit score
Arizona car insurance rates by driving record
Having a drive incident like a accelerate slate, at-fault accident or a DUI conviction on your criminal record will likely increase your Arizona car indemnity rates. These incidents could cause indemnity companies to view you as a bad driver, mean you are more probably to cause accidents and file claims in the future. however, every car insurance company calculates rates differently, so you may be able to shop around and find a cheaper policy if you have recently seen a rate increase due to your drive record. Understanding the average price addition associated with respective driving incidents might help you know if your policy premium is within a convention stove .
|Driving incident||Average annual full coverage premium in Arizona||% increase of average annual premium|
|Clean driving record||$1,547||–|
Arizona car insurance rates by vehicle type
One of the biggest factors in determining your cable car policy rates in Arizona is the type of vehicle you drive. Each vehicle make and model comes with its own statistical barge in data, price of parts and labor movement and condom features .
Frequently asked questions
What is the average cost of minimum coverage in Arizona?
minimum coverage costs an average of $ 555 per year in Arizona. “ Minimum coverage insurance ” refers to buying lone the state mandated coverage types and levels. In Arizona, you are legally required to carry at least $ 25,000 bodily injury liability per person, $ 50,000 bodily injury liability per accident and $ 15,000 property wrong liability per accident. Most policy professionals recommend that you purchase higher indebtedness limits for more security. If you have a lend or lease on your vehicle, you will likely need to buy full coverage .
How much is car insurance in Arizona per month?
Full coverage in Arizona costs an average of $ 1,547 per year, or about $ 129 per month. Minimum coverage averages $ 555 per year, which is roughly $ 46 per month. Keep in mind that your premium will probably vary from the median based on factors like your age, sex, the company you choose and the type of cable car you drive .
How do I save on car insurance costs in Arizona?
Arizona drivers might be able to save on coverage by shopping about and taking advantage of discounts. Because each party uses a different rat model, rates vary between indemnity providers. Getting multiple quotes could help you find cheaper coverage. additionally, most major insurance companies offer at least a few discounts that could help you lower your premium .
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive commemorate, beneficial credit and the following full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets each state ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample distribution rates and should merely be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( floor : 40 years ) applied. Depending on age, drivers may be a tenant or homeowner. For teens, rates were determined by adding a 16- or 17-year-old adolescent to a 40-year-old married couple ’ randomness policy. The rates displayed reflect the add cost to the parents ’ policy. Based on quote annual premiums, it does not appear Hawaii uses age as a conducive factor.
Read more: Best car insurance companies for 2022
Gender: The pursue states do not use gender as a determining factor in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania. Credit: Rates were calculated based on the take after insurance credit rating tiers assigned to our drivers : “ poor, average, good ( base ), and excellent. ” Insurance credit tiers factor in your official credit scores but are not dependent on that variable entirely. The be states do not allow citation to be a factor in determining car policy rates : California, Hawaii, Massachusetts, Michigan, Washington. Incident: Rates were calculated by evaluating our base profile with the follow incidents applied : clean record ( base ), at-fault accident, individual speed ticket, single DUI conviction and backsliding in coverage .