How Car Insurance Costs Compare in Arizona

We take a look at 48 cities in Arizona to see how auto insurance prices change throughout the state. We found the average price for car insurance in Arizona to be $1,328 based on a sample 30 year old male driver. Phoenix was the most expensive city, with pricing about 25% more than the state average. Lake Havasu City in Mohave County was the least expensive with an average yearly rate 29% below the state average.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
{"id":4,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"buttonText":"Find Insurers","customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_car-insurance-study-cities-arizona","title":"Find Cheap Auto Insurance Quotes in Your Area","vendor":"vp"}

The Most Expensive Cities in Arizona

1. Phoenix

  • $1,765 per year
  • 25% higher than state average

2. Glendale

  • $1,755 per year
  • 24% higher than state average

3. Tolleson

  • $1,640 per year
  • 19% higher than state average

4. El Mirage

  • $1,551 per year
  • 14% higher than state average

5. Avondale

  • $1,545 per year
  • 14% higher than state average

All of the most expensive cities hail from Maricopa County, and are mostly suburbs of Phoenix. Since Maricopa is the most densely populated area of the state, it would make sense that rates would be the highest here.

The Least Expensive Cities in Arizona

1. Lake Havasu City

  • $1,031 per year
  • 29% lower than state average

2. Kingman

  • $1,060 per year
  • 25% lower than state average

3. Bullhead City

  • $1,073 per year
  • 23% lower than state average

4. Sierra Vista

  • $1,087 per year
  • 22% lower than state average

5. Safford

  • $1,107 per year
  • 20% lower than state average

The least expensive cities in Arizona all come a good distance away from Phoenix. These areas tend to have fewer people and fewer rate increasing accidents.

The Most Expensive Car Insurance is Around Phoenix

As the map to the right shows, car insurance in Arizona is most expensive around Phoenix and Maricopa County. In the center around Phoenix, the large yellow dots represent the most expensive cities while the smaller blue ones the cheapest cities.

This is a trend you see in many states, where the main metropolitan area is the most expensive for auto insurance in the state. In Louisiana it's New Orleans, in Florida it's Miami and in California it's Los Angeles. A reason for this trend may be that metropolitan areas generally have higher population densities than anywhere else in a state. More people in an area usually means more cars in that area. More cars on the road generally leads to more accidents, which cause rates to go up. Less populated states like Wyoming and Montana as a result tend to have cheaper rates than more densely populated states.

city heatmap of car insurance rates in Arizona

A History of Fatal Accidents in Arizona

This map highlights the areas in the state that experienced the most fatal accidents between 2011 and 2015, based on the FARS database. Unsurprisingly, the highest density of accidents matches up with the areas with the highest car insurance rates. The deep red color around Phoenix signifies the area has gotten the highest density of fatal car accidents. The second, fainter center for fatal accidents in Arizona centers around Tucson. This makes sense since the area surrounding Tucson tend to fall slightly above average in terms of car insurance costs, but are still cheaper than the rates one gets in Maricopa. The cities outside of both spheres however all have relatively less expensive car insurance compared to the state average.

heatmap of fatal accidents in Arizona

How Cities in Arizona Rank for Car Insurance Costs

RankCityCountyYearly RateDifference From Average
1PhoenixMaricopa$1,76525%
2GlendaleMaricopa$1,75524%
3TollesonMaricopa$1,64019%
4El MirageMaricopa$1,55114%
5AvondaleMaricopa$1,54514%
6PeoriaMaricopa$1,54314%
7Queen CreekMaricopa$1,53613%
8MesaMaricopa$1,48110%
9BuckeyeMaricopa$1,47410%
10Paradise ValleyMaricopa$1,47310%
11TempeMaricopa$1,47010%
12ScottsdaleMaricopa$1,4619%
13San Tan ValleyPinal$1,4438%
14SurpriseMaricopa$1,4378%
15Apache JunctionPinal$1,4297%
16GilbertMaricopa$1,4106%
17ChandlerMaricopa$1,4045%
18Fountain HillsMaricopa$1,4045%
19TucsonPima$1,3975%
20GoodyearMaricopa$1,3753%
21MaricopaPinal$1,3753%
22CoolidgePinal$1,3552%
23EloyPinal$1,3532%
24Casa GrandePinal$1,3431%
25FlorencePinal$1,3411%
26Sun CityMaricopa$1,3350%
27SahuaritaPima$1,3340%
28MaranaPima$1,301-2%
29NogalesSanta Cruz$1,246-7%
30WinslowNavajo$1,232-8%
31WickenburgMaricopa$1,227-8%
32GlobeGila$1,222-9%
33Show LowNavajo$1,219-9%
34PaysonGila$1,205-10%
35YumaYuma$1,177-13%
36PrescottYavapai$1,163-14%
37SomertonYuma$1,159-15%
38Camp VerdeYavapai$1,155-15%
39Chino ValleyYavapai$1,151-15%
40SedonaYavapai$1,149-16%
41CottonwoodYavapai$1,136-17%
42Prescott ValleyYavapai$1,136-17%
43DouglasCochise$1,113-19%
44SaffordGraham$1,109-20%
45Sierra VistaCochise$1,087-22%
46Bullhead CityMohave$1,073-24%
47KingmanMohave$1,060-25%
48Lake Havasu CityMohave$1,031-29%

Methodology

We collected quotes from a variety of insurance companies across 48 towns and cities in Arizona. Our sample driver was a 30 year old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Arizona. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.

Coverage TypeArizona MinimumStudy Limits
Body Liability$15,000 per person/ $30,000 per accident$50,000 per person/ $100,000 Per Accident
Property Damage$15,000 Per Accident$50,000 Per Accident
Uninsured/Underinsured Motorist BI$15,000 per person/ $30,000 per accident$50,000 Per Person/ $100,000 Per Accident
Uninsured/Underinsured Motorist PDNone$50,000 Per Accident
Personal Injury ProtectionNoneNone
Comprehensive and CollisionNone$500 Deductible

Comments and Questions

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.