Summary
- • The average car insurance cost in Arizona is $1,547 per year
- • Full coverage car insurance in Arizona costs an average of $1,743 annually
- • Minimum coverage car insurance in Arizona costs an average of $555 annually
- • Arizona's average car insurance cost is about 8% higher than the national average
- • Phoenix has the highest average car insurance rates in Arizona at $1,846 per year
- • Tucson's average car insurance cost is $1,542 annually
- • Mesa residents pay an average of $1,628 per year for car insurance
- • Chandler's average annual car insurance cost is $1,614
- • Glendale has an average car insurance cost of $1,832 per year
- • Scottsdale's average annual car insurance premium is $1,590
- • Gilbert residents pay an average of $1,556 annually for car insurance
- • Tempe's average car insurance cost is $1,638 per year
- • Peoria has an average annual car insurance premium of $1,614
- • Surprise residents pay an average of $1,590 per year for car insurance
- • 18-year-old drivers in Arizona pay an average of $5,136 annually for car insurance
From the bustling streets of Phoenix to the charming neighborhoods of Tucson, Arizona drivers are all too familiar with the rollercoaster ride that is car insurance premiums. With an average cost of $1,547 per year, navigating the intricate web of factors influencing your rate could make even a mathematicians head spin. Whether youre a 55-year-old sedan driver with excellent credit or an 18-year-old sports car enthusiast with a speeding ticket to boot, the numbers dont lie – but they sure do have a story to tell. Buckle up as we uncover the wild world of Average Car Insurance Cost Arizona, where your driving record, age, credit score, and even your choice of vehicle can determine whether your premiums soar to the skies or stay cruising on the ground.
Age-Based Rates
- 18-year-old drivers in Arizona pay an average of $5,136 annually for car insurance
- 25-year-old drivers in Arizona pay an average of $2,132 per year for car insurance
- 35-year-old drivers in Arizona pay an average of $1,547 annually for car insurance
- 45-year-old drivers in Arizona pay an average of $1,495 per year for car insurance
- 55-year-old drivers in Arizona pay an average of $1,443 annually for car insurance
- 65-year-old drivers in Arizona pay an average of $1,391 per year for car insurance
Interpretation
Ah, the curious case of car insurance costs in Arizona, where it seems age is not just a number but a significant factor in determining your annual premium. From the eye-watering $5,136 that 18-year-olds are shelling out to the comparatively modest $1,391 that 65-year-olds are pleasantly surprised by, the evolution of insurance rates paints a vivid picture of risk assessment over the years. So, here's a thought: perhaps as we mature like fine wine, our driving wisdom also matures, leading to lower insurance costs. Or maybe it's just the universe's way of balancing out those daring teenage road adventures with some financial reality checks later in life. Drive safely, folks!
City-Specific Rates
- Phoenix has the highest average car insurance rates in Arizona at $1,846 per year
- Tucson's average car insurance cost is $1,542 annually
- Mesa residents pay an average of $1,628 per year for car insurance
- Chandler's average annual car insurance cost is $1,614
- Glendale has an average car insurance cost of $1,832 per year
- Scottsdale's average annual car insurance premium is $1,590
- Gilbert residents pay an average of $1,556 annually for car insurance
- Tempe's average car insurance cost is $1,638 per year
- Peoria has an average annual car insurance premium of $1,614
- Surprise residents pay an average of $1,590 per year for car insurance
Interpretation
In Arizona, it seems like your car insurance rates are as varied as the desert landscape. Phoenix is leading the pack with rates so high, you might think they're charging extra for that desert heat. Meanwhile, Tucson's rates are a bit more down-to-earth, proving that not all cities in the state break the bank when it comes to insuring your wheels. It's clear that location matters when it comes to insurance costs in the Grand Canyon State, but hey, at least you can enjoy the scenic drive while pondering how much those premiums are costing you.
Commute Distance Impact
- Drivers who commute 10 miles or less daily in Arizona pay an average of $1,515 per year for car insurance
- Drivers who commute 11-15 miles daily in Arizona pay an average of $1,547 annually for car insurance
- Drivers who commute more than 15 miles daily in Arizona pay an average of $1,579 per year for car insurance
Interpretation
In Arizona, it seems the old adage "the extra mile is worth it" holds true not only metaphorically but financially as well. Drivers who opt for shorter daily commutes might be saving time but at the cost of about $30 less on their car insurance premiums annually compared to their counterparts logging between 11-15 miles. And those brave souls venturing beyond the 15-mile mark daily might find themselves paying an average of $1,579, proving that in the realm of insurance, the longer road may indeed lead to a heavier wallet.
Coverage Type Impact
- Drivers with liability-only coverage in Arizona pay an average of $555 annually for car insurance
- Drivers with full coverage in Arizona pay an average of $1,743 per year for car insurance
- Drivers with 100/300/100 coverage limits in Arizona pay an average of $1,918 annually for car insurance
- Drivers with 50/100/50 coverage limits in Arizona pay an average of $1,547 per year for car insurance
- Drivers with 25/50/25 coverage limits in Arizona pay an average of $1,340 annually for car insurance
Interpretation
In the tumultuous world of car insurance rates, Arizona drivers have a smorgasbord of choices to navigate. From the frugal liability-only shoppers at the $555 annual premium buffet, to the luxury-loving full coverage aficionados splurging $1,743 per year, there's a plan for every taste and budget. But beware, choosing between the 100/300/100 coverage limits (at $1,918) for the high rollers, the 50/100/50 limits (at $1,547) for the moderate spenders, or the 25/50/25 limits (at $1,340) for the budget-conscious is akin to selecting your preferred flavor of risk management. So, buckle up, Arizona drivers, and may your insurance premiums be ever in your favor!
Credit Score Impact
- Drivers with poor credit in Arizona pay an average of $2,851 annually for car insurance
- Drivers with excellent credit in Arizona pay an average of $1,062 per year for car insurance
- Drivers with good credit in Arizona pay an average of $1,547 annually for car insurance
- Drivers with fair credit in Arizona pay an average of $1,918 per year for car insurance
Interpretation
These car insurance statistics from Arizona prove that in the world of credit scores, it truly is a tale of two cities. If you have excellent credit, you're cruising through life in your insured chariot like royalty, paying a mere $1,062 a year – practically spare change in the grand scheme of things. On the flip side, poor credit can slap you with a hefty bill of $2,851 annually, making you wonder if maybe a horse-drawn carriage would be a more economical choice. So, remember folks, pay your bills on time and watch those car insurance premiums take a joy ride down the road of savings.
Driving Record Impact
- Drivers with a DUI in Arizona pay an average of $2,785 annually for car insurance
- Drivers with a speeding ticket in Arizona pay an average of $1,918 per year for car insurance
- Drivers with an at-fault accident in Arizona pay an average of $2,165 annually for car insurance
- Drivers with a clean record in Arizona pay an average of $1,547 per year for car insurance
Interpretation
It seems in the wild west of Arizona roads, your driving history could be the sheriff or the outlaw when it comes to car insurance premiums. With DUI convicts shelling out almost $3,000 a year for coverage, it's clear that a reckless night out can cost you way more than just a hangover. On the other end of the spectrum, those virtuous drivers with a clean record enjoy the sweet ride of lower premiums, perhaps feeling like the undisputed heroes of the Arizona highways. So, keep your foot light on the pedal, your wits about you, and maybe consider a designated driver if you want to keep your wallet from feeling as light as your gas tank.
Education Level Impact
- Drivers with a bachelor's degree in Arizona pay an average of $1,515 annually for car insurance
- Drivers with a high school diploma in Arizona pay an average of $1,563 per year for car insurance
- Drivers with a master's degree in Arizona pay an average of $1,499 annually for car insurance
- Drivers with a Ph.D. in Arizona pay an average of $1,483 per year for car insurance
Interpretation
In Arizona, it seems that the higher your education level, the lower your car insurance premium might be. It appears that insurance companies are giving a discount to those with advanced degrees who have likely spent countless hours studying risk assessment and traffic safety while those with only a high school diploma are perhaps being charged a bit extra for all those missed classes on defensive driving. Who knew that getting a Ph.D. could not only broaden your knowledge but also lighten your insurance burden?
Gender-Based Rates
- Male drivers in Arizona pay an average of $1,579 annually for car insurance
- Female drivers in Arizona pay an average of $1,515 per year for car insurance
Interpretation
In Arizona, it seems like gender equality extends even to car insurance premiums, with male drivers doling out a slightly higher annual sum compared to their female counterparts. Whether it's due to statistical risk assessments or simply the infamous lead foot syndrome, the numbers don't lie. So, gentlemen, tighten those seatbelts (and maybe ease off the gas pedal) as you embark on the road knowing that equality doesn't stop at the DMV.
Homeownership Impact
- Drivers who own their home in Arizona pay an average of $1,515 annually for car insurance
- Drivers who rent their home in Arizona pay an average of $1,579 per year for car insurance
Interpretation
In a world where insurance companies seem to scrutinize every detail of our lives, from our driving record to our choice of morning coffee, it appears that homeownership might just be the golden ticket to slightly cheaper car insurance rates in the Grand Canyon State. Perhaps it's the sense of responsibility that comes with owning a piece of the American dream that convinces insurers that homeowners are less likely to channel their inner Fast and Furious on the roads. Whether you're a proud homeowner or a carefree renter, one thing is certain - in Arizona, the cost of car insurance is as unpredictable as the desert heat.
Insurance Provider Rates
- GEICO offers the cheapest average car insurance in Arizona at $1,129 per year
- State Farm's average car insurance rate in Arizona is $1,310 annually
- Progressive's average car insurance rate in Arizona is $1,397 per year
- Allstate's average car insurance rate in Arizona is $1,834 annually
- USAA's average car insurance rate in Arizona is $1,107 per year (for eligible military members)
- Farmers' average car insurance rate in Arizona is $1,752 annually
- American Family's average car insurance rate in Arizona is $1,401 per year
Interpretation
In the Wild West of Arizona car insurance pricing, it seems there's a shootout between insurance giants, with GEICO riding in as the sharpshooter with the cheapest annual premium at $1,129. State Farm is trailing close behind at $1,310, while Progressive and American Family bring their own firepower at $1,397 and $1,401, respectively. Meanwhile, Allstate and Farmers are playing the high-stakes game, demanding $1,834 and $1,752 per year, making drivers wonder if their coverage includes gold-plated bumpers. And for the brave souls who've served, USAA offers a lifeline with a bargain rate of $1,107, ensuring that protecting the nation doesn't mean breaking the bank. In this insurance rodeo, it's a bucking bronco of costs, but savvy consumers can lasso themselves a good deal with a bit of comparison and wit.
Marital Status Impact
- Married drivers in Arizona pay an average of $1,515 annually for car insurance
- Single drivers in Arizona pay an average of $1,579 per year for car insurance
- Divorced drivers in Arizona pay an average of $1,547 annually for car insurance
- Widowed drivers in Arizona pay an average of $1,531 per year for car insurance
Interpretation
It seems in the world of car insurance, love doesn't always conquer all, but it definitely helps your wallet. Married drivers in Arizona appear to have found the secret to more affordable coverage, coming in with the lowest average annual premium compared to their single, divorced, and widowed counterparts. Perhaps insurers believe that shared rides and shared lives mean safer roads and fewer claims. So, as you navigate the highways of life and love in the Grand Canyon state, remember - finding your match might just help you score a sweeter deal on your car insurance.
Overall Cost
- The average car insurance cost in Arizona is $1,547 per year
- Full coverage car insurance in Arizona costs an average of $1,743 annually
- Minimum coverage car insurance in Arizona costs an average of $555 annually
- Arizona's average car insurance cost is about 8% higher than the national average
Interpretation
In Arizona, where the cacti may be prickly but the car insurance rates are even sharper, drivers are feeling the sting of above-average costs. Whether opting for full coverage and feeling the burn of $1,743 a year or keeping it minimal at $555 annually, Arizonans are shelling out more than the national average to protect their rides. So, while the Grand Canyon State offers breathtaking landscapes, its car insurance prices may leave some drivers breathless as well.
Vehicle Age Impact
- Drivers with a new car (0-3 years old) in Arizona pay an average of $1,918 annually for car insurance
- Drivers with a car 4-11 years old in Arizona pay an average of $1,547 per year for car insurance
- Drivers with a car 12-14 years old in Arizona pay an average of $1,443 annually for car insurance
- Drivers with a car 15+ years old in Arizona pay an average of $1,340 per year for car insurance
Interpretation
In the world of car insurance, it seems age truly is just a number—unless it's the age of your vehicle. Drivers in Arizona might soon find themselves giving their old faithful jalopy a pat on the hood after learning that the older the car, the lower the insurance cost. It appears that in the eyes of insurers, there's some sort of charm in those seasoned wheels that translates to savings for drivers. So maybe it's time to dust off that vintage ride and embrace the frugal joys of cruising in a classic while pocketing some extra cash.
Vehicle Type Impact
- Drivers of sedans in Arizona pay an average of $1,547 annually for car insurance
- Drivers of SUVs in Arizona pay an average of $1,495 per year for car insurance
- Drivers of trucks in Arizona pay an average of $1,599 annually for car insurance
- Drivers of sports cars in Arizona pay an average of $2,165 per year for car insurance