Arizona Auto Insurance
Rates & Coverage Report
This page summarizes real policy outcomes so Arizona drivers can compare insurance rates by county, see coverage mix (liability insurance vs full coverage vs non owners vs motorcycle), and understand how pricing can vary month to month.
Arizona Summary
This Arizona report is built from owned data in our agency records, based on sold policies and real monthly premium outcomes (not public filings and not broad averages). It’s meant to help you compare insurance rates, understand coverage choices (liability only vs full coverage), and see how prices can differ by county and month.
In this dataset, the average monthly premium is $99.03 per month with an observed low of $6.25 and a high of $408.57. That spread shows why rate shopping and comparing insurance companies matters — especially if you have violations, accidents, a DUI, need SR-22 insurance, or are trying to estimate the impact of deductible choices on full coverage auto insurance. Arizona’s dataset also includes motorcycle and RV policies, which can have notably different pricing than standard auto.
County results should be read as guidance. With smaller county policy counts, one high-risk policy can shift an average more than it would in a larger dataset. The best next step is still a fresh insurance quote for your exact driver, vehicle, and coverage goal.
Carrier Distribution
Carrier distribution reflects what shows up in this specific dataset. Your insurance quote results can include other insurance companies depending on driver profile, vehicle, credit, and underwriting.
| Insurance Company | Policies | Share |
|---|---|---|
| Progressive | 26 | 49.1% |
| Mendota | 12 | 22.6% |
| Dairyland | 10 | 18.9% |
| Assurance | 3 | 5.7% |
| ASI | 2 | 3.8% |
Arizona Snapshot
Quick baseline insurance rates for this state report.
The statewide observed spread in this dataset is 6,437%. That extreme range reflects how diverse the policy mix is — from basic renters policies to full coverage vehicles with violations. Coverage type, driver history, and vehicle all play a role.
This is internal policy data (not public filings). It reflects issued policies and can be used as guidance when estimating your own month-to-month price.
- Highest average county premium: Maricopa County ($130.32/mo).
- Lowest average county premium: Gila County ($27.85/mo).
- Largest within-county spread (2+ policies): Cochise County (3,079.5% gap between low and high).
- Top county by policy volume: Cochise County (30 policies).
County Pricing
All county data on one page. Use this to compare counties quickly.
| County | Policies | Avg / Month | Low | High |
|---|---|---|---|---|
| Cochise County | 30 | $96.74 | $12.85 | $408.57 |
| Maricopa County | 10 | $130.32 | $46.25 | $275.66 |
| Pima County | 5 | $98.91 | $43.67 | $156.15 |
| Mohave County | 5 | $74.23 | $6.25 | $97.50 |
| Yavapai County | 1 | $93.42 | $93.42 | $93.42 |
| Pinal County | 1 | $56.28 | $56.28 | $56.28 |
| Gila County | 1 | $27.85 | $27.85 | $27.85 |
Frequently Asked Questions — Arizona Auto Insurance
What does auto insurance cost in Arizona based on real sold policies?
What are Arizona’s minimum auto insurance requirements?
Why is Cochise County — not Maricopa (Phoenix) — the biggest county in our Arizona data?
How does SR-22 work in Arizona?
Is motorcycle and RV insurance affordable in Arizona?
This page is built for long-tail searches that convert better than broad terms: Arizona auto insurance rates by county, cheapest auto insurance in Arizona with violations, full coverage vs liability only Arizona, non owners policy Arizona, SR-22 insurance Arizona cost, motorcycle insurance Arizona, and “compare insurance companies Arizona.”
