Auto Insurance in Arizona — Average Cost 2026
Average auto insurance in Arizona: $2,040/year ($170/month). Arizona ranks #41 out of 51 states — above the national average.
Average annual
$2,040
Average monthly
$170
National rank
#41
of 51 states
vs national avg
+14.6%
Arizona vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in Arizona
Arizona sits 15% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Arizona tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Arizona drivers hundreds of dollars annually.