Cheap Car Insurance in Arizona

How Arizona stacks up

At $1,675 per year for full coverage, Arizona drivers pay 6% less than the national average of $1,789. Phoenix and Tucson urban claims push rates ~14% above the state average.

Premiums vary widely within Arizona based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.

Required minimum coverage in Arizona

Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.

5 ways to lower your Arizona car insurance

• Compare 3+ insurers — drivers who shop can save up to $487/year on average.
• Raise your deductible from $500 to $1,000 if you have an emergency fund.
• Bundle auto with home or renters insurance (10–25% discount).
• Ask about telematics / usage-based discounts (10–30% if you drive carefully).
• Phoenix and Tucson urban claims push rates ~14% above the state average.