Average Car Insurance Cost in Arizona
Numbers updated
NAIC averages for Arizona are listed by coverage, along with its national rank.
- $1,647. the yearly average for full coverage
- 25/50/15. the lowest liability limits
- 17th of 51most expensive state (1st = highest)
Average cost by coverage in Arizona
In Arizona, full coverage averages $1,647 a year The US average is $1,613 a year, so Arizona sits 2% higher
Average spending per insured car rose 9.5%. It stood at $1,344 in 2023 and $1,471 in 2024.
| Coverage in Arizona | Per year | Per month |
|---|---|---|
| Liability | $879 | $73 |
| Collision | $466 | $39 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,647 | $137 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Arizona compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| California | 14th | $1,690 | $141 |
| Connecticut | 15th | $1,690 | $141 |
| South Carolina | 16th | $1,665 | $139 |
| Arizona | 17th | $1,647 | $137 |
| Massachusetts | 18th | $1,611 | $134 |
| Mississippi | 19th | $1,542 | $129 |
| Washington | 20th | $1,522 | $127 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your number
Every age and record goes into the averages. The Arizona calculator adjusts for your age and record.
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