🚗 Car insurance cost in Arizona (2026)
The estimated average is $2,365 per year — above the national average (+10% vs. the U.S. average of $2,150).
Arizona is home to about 7.4 million people, and car insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Phoenix typically differ from smaller towns.
Estimate your car insurance in Arizona
Arizona car insurance estimator
Starts from the Arizona average. Estimate only — get quotes to confirm.
Car insurance cost in Arizona cities
Arizona car insurance FAQ
How much is car insurance in Arizona?
The estimated average car insurance in Arizona is $2,365 per year, which is above the national average (+10% vs. the U.S. average of $2,150). Arizona ranks 16 of 51 states from most to least expensive.
Why is car insurance expensive in Arizona?
Car insurance pricing in Arizona reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on car insurance in Arizona?
Compare at least three quotes from insurers active in Arizona, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.