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Colorful desert vistas, awe-inspiring mountains and plateaus, the wonder for which Arizona is known—the Grand Canyon State, vibrant towns like Phoenix and Mesa, abundant Native American history and culture, and much more can be found in Arizona.
On top of that, it's the state with the country's 10th-lowest average auto insurance prices.
Are you aware of your car insurance alternatives in Arizona? Do you have adequate coverage, and have you taken advantage of any available discounts? You may save a lot of money on your insurance by using an online comparison and quote tool while ensuring you have the correct level of coverage for your needs and lifestyle.
We make the procedure simple and dependable by delivering objective, carrier-neutral information.
Minimum Required Auto Insurance Coverage in Arizona
All states require you to buy such insurance coverage before you can register your car. According to the Arizona Insurance Department, all car owners must have at least the following:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
$25,000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident)
$50,000 ($100,000 for injuries resulting in death)
$25,000 bodily injury per person$50,000 bodily injury per accident
Personal Injury Protection
Do I Need More Than the Minimum Required State Coverage in Arizona?
When you get liability auto insurance, you purchase protection if you are at fault in an accident and injure someone else. If you don't have insurance, the injured individual can sue you for the injuries you caused and get a judgment against you, putting your salary and personal property in danger. Liability insurance pays for a lawyer to defend you against the claim and money to cover the costs of the losses (up to your insurance limits).
Your liability insurance does not cover your injuries or car damage if you are involved in an accident. To be covered for your injuries and property damage, you'll need to add medical payments and collision coverage to your policy.
If the other motorist is at fault, his insurance company should cover your medical bills and car damage. 25/50/15 will be the new minimum insurance limits, and these are, once again, the bare minimums. If you're savvy, you'll buy more insurance than the bare minimum.
The figures 25/50/15 denote a $25,000 limit for a single individual wounded in an accident, with a maximum of $50,000 for all injured parties. Property damage restrictions will now be set at $15,000. According to current projections, the cost of purchasing minimal coverage will increase from $3 to $8 per month.
The median household income in the United States was $8,198 in 1972, and it was $60153 in 2017. Costs rise in tandem with pay increases. As you might expect, the cost of ambulance transportation, emergency room visits, and hospital care has climbed dramatically since 1972.
As mentioned earlier, those are the minimums, but financial experts will urge you to buy more if you can afford it. If you have assets that you want to protect, more coverage is a must. Otherwise, if you cause an accident, you leave yourself vulnerable to a lawsuit that can wipe out your assets.
See what you could save on auto insurance
Average Cost of Auto Insurance Companies in Arizona
Your auto insurance premiums are influenced by your driving history, age, region, and the level of coverage you select. In Arizona, we discovered that average costs for a minimum coverage policy vary by over $550 and $1500 for a full coverage policy. You should constantly compare quotes from multiple car insurance companies to get the best rates.
Cheapest car insurance quotes for Arizona drivers
You will not get cheap car insurance quotes by simply putting in the query 'car insurance near me in your search browser. You will have to go through the hard work of comparing car insurance quotes from various car insurance companies. You can also get in touch with your insurance agent to get a lowdown on cheap car insurance quotes.
State Farm offers the most affordable minimum liability coverage in Arizona, with prices that are 28% lower than the state average. For minimum liability, the average cost of auto insurance in Arizona is $906 per year or $75 per month.
Active duty service personnel, veterans, and their families can save even more money with USAA. USAA's average yearly rate is $130 cheaper than State Farm's at $531.
State Farm also has the cheapest full coverage cost, at $1440 per year or $126 per month, 36% less than the state average.
The average cost of full coverage auto insurance in Arizona is $2229 per year. In addition to liability coverage, full coverage packages provide comprehensive and collision coverage. Comprehensive coverage pays for damage caused by events beyond your control, such as hail or theft, whereas collision coverage pays for damage to your car while you're driving.
Cheap car insurance in Arizona for young Arizona drivers
USAA offers the most economical car insurance for 18-year-olds, with minimum coverage starting at $1772 and comprehensive coverage starting at $3255 per year.
Young drivers pay significantly more for car insurance than older drivers, particularly if their parents' policy does not cover them. A car insurance policy for an 18-year-old driver will cost almost 200 percent more than one for a 30-year-old driver.
Cheap car insurance for Arizona drivers with a speeding ticket
For Arizona drivers with a speeding ticket on their record, State Farm offers the best car insurance rates. Its average full coverage insurance rate is $1,323 per year, or $135 per month – $1338 less than the national average. A single speeding ticket in Arizona can raise your insurance rates by up to 31%.
AVERAGE ANNUAL RATE
Cheap auto insurance for Arizona drivers after a car accident
Nationwide has the best rates for drivers who have been involved in an at-fault collision. In Arizona, the average cost of auto insurance after an at-fault accident is $3282 per year, yet Nationwide here offers full coverage insurance for 48% less — $1272 per year — to the state's drivers.
After an at-fault collision, auto insurance costs rise because drivers with a recent accident pose a greater risk to insurers than drivers with a clean driving record. After an at-fault accident in Arizona, average rates rise by 49%. Compared to the rate you'd get with a clean driving record, this corresponds to an extra $1074 per year in premiums.
AVERAGE ANNUAL RATE
Cheap car insurance quotes for Arizona drivers with a DUI
For Arizona drivers with a DUI on their record, Statefarm has the best prices. With an average fee of $1,323 per year, it is 43% less expensive than the state average. In Arizona, car insurance for DUI drivers costs 62 percent more than a full coverage policy for drivers with no prior offenses.
Driving while intoxicated (DUI) raises average auto insurance rates more than any infraction.
Married drivers, statistically, cause fewer accidents than single drivers, resulting in reduced insurance premiums from many companies. In Arizona, married drivers pay an average of $219 less per year for full coverage than unmarried drivers. State Farm has the best rate for married drivers, at $1433 per year.
Adding several drivers and numerous cars to the same car insurance policy can save married drivers considerably more money, which isn't represented in these rates.
Average Annual Rate
Cheap full coverage car insurance quotes for young drivers with an accident history
We discovered that State Farm offers the best rates for minimal coverage in Arizona for younger drivers who have recently been in an at-fault accident. Unfortunately, being at fault in a car accident can significantly increase the cost of your car insurance, making it even more vital to shop around for the best deal.
Compare car insurance rates in top Cities
Your car insurance prices are influenced not only by how you drive but also by where you reside. Full coverage auto insurance varies by over $1,000 from city to city in Arizona.
Verde Village has the cheapest car insurance in the state, with premiums that are 20% lower than the statewide average. Drivers in Phoenix have the highest rates in the state, at 27% above the national average.
According to Way.com, the most expensive cities in Arizona for car insurance are Tolleson, Glendale, and Phoenix. Because of increased claims, property crimes, and accidents, higher population density is linked to higher auto insurance rates.
Each car insurance company varies depending on your driving background, place, age, and car model. If you want to get the best car insurance, you're going to have to assess your needs and consider your location:
Assess your needs: To find the best car insurance for your needs, determine which coverage choices, add-ons, and discounts are available to you. Because each car insurance provider is different, you need to know what you want and any potential plans that could impact your car insurance premiums.
Consider the state's factors: Most insurance providers have local agents to assist in the quotation process. Your state variables will determine your insurance quote, so it's crucial to consider any geography-related incidents that could affect car insurance.
Reasons Why Auto Insurance Costs More in Arizona
Even if you don't live in certain locations, you may pay extra for auto insurance if you commute through them frequently.
Arizona car insurance is expensive because the state has more road fatalities than the national average. In Arizona, full coverage vehicle insurance costs around $1452 per year, while minimal coverage costs around $581 per year.
Arizona car insurance is less expensive than the national average, roughly $1,500 for full coverage and around $600 for basic coverage per year.
Car insurance premiums are also slowly rising in Arizona and around the country. As the cost of providing insurance rises, so do the premiums charged by insurers, and the rising cost of insurance affects all insured drivers.
That's why, regardless of whether any individual factors—like your driving record or location—have changed, your premiums tend to go up every time your policy is renewed even if your data remain the same, several distinct reasons why vehicle insurance in Arizona increases every year.
Things to Know About Car Insurance When Moving to Arizona
Arizona is not a no-fault zone, and rather, it is a tort or at-fault state. This means that if a driver causes an accident in Arizona, they are accountable for the other driver's medical bills and property damage. If it is established that the other motorist is at fault, the injured driver can submit a claim with the other driver's insurance company and be reimbursed for their damages.
Arizona is a comparative negligence state. Car insurance companies will attribute a proportion to each driver's fault if they are both partially guilty of an accident.
In Arizona, driving without appropriate insurance coverage is unlawful and carries substantial consequences:
First offense: Drivers will be fined $500 for their first infraction. For three months, their license and registration will be suspended.
Second offense: Drivers who commit a second offense within three years will be fined at least $750. Their driver's license, registration, and license plates will be suspended for six months.
Drivers who commit three or more violations within three years will be fined at least $1,000. Their license, registration, and license plates will be suspended for a year.
In addition to fines and license suspension, Arizona residents who are convicted of driving without insurance may be required to obtain an SR-22 certificate, which is attached to their car insurance policy and proves that they comply with the state's minimum requirements or financial responsibility laws, once their license is reinstated.
Car insurance firms that specialize in high-risk drivers can provide SR-22 filings.
How to Get Discounts on Car Insurance in Arizona
In Arizona, good drivers may be eligible for lower vehicle insurance premiums. Because each insurance company has its own set of discounts, browse around to see where you can save the most money. The following are some more possible discounts:
In Arizona, liability insurance is required. All drivers require a minimum of $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability coverage per accident.
In an accident, 'per person refers to a single passenger. In Arizona, drivers must have at least $25,000 in personal injury insurance to cover one person's injuries in the event of an accident. All passengers involved in a collision are referred to as "per accident." In Arizona, drivers must have at least $50,000 in insurance to cover multiple passenger injuries and at least $15,000 to cover property damage caused by accident.
However, there is no guarantee that the bare minimum of insurance will provide sufficient financial protection in the event of an accident.
If a motorist causes an accident and their passengers' injuries exceed $100,000, they will be responsible for the balance. The majority of insurance firms advise drivers to get greater coverage than is legally required.
PIP in Arizona
In Arizona, personal injury protection (PIP) is not needed, and PIP isn't even available Arizona. Instead of PIP insurance, Arizona insurance companies offer medical payments insurance (also known as MedPay) to cover hospital expenditures incurred due to a car accident.
MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.
In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision.
Arizona is an at-fault state, which means that following a collision, at least one driver is deemed to be "at blame."
The average cost of insurance in Arizona – $1,215 – is typical compared to most PIP states and other non-PIP states, owing to variances in auto insurance rules.
Auto Insurance Coverage Types
In Arizona, there are various car insurance companies to choose from.
Request price quotes from several providers to compare rates and see which company offers the best rate for the amount of coverage needed.
Search for reputable providers with good discounts, customer service, and financial strength, then request price quotes from several providers to compare rates and see which company offers the best rate for the amount of coverage needed.
In practically every state, including Arizona, car insurance is mandatory.
To comply with Arizona requirements, every driver must have a minimum level of auto insurance. A driver cannot register their car or even get behind the wheel without the bare minimum of insurance.
Certain car insurance laws apply to drivers in the state of Arizona. The following are some of Arizona's car insurance laws, which are similar to those in many other states:
Proof of insurance: All drivers in Arizona are obliged to have auto insurance and retain the proof of insurance in their car at all times.
Proof of financial responsibility: Arizona drivers who do not want to buy car insurance can put down a $40,000 deposit as proof of financial responsibility, as long as they get a certificate from the Arizona Office of Treasurer confirming the deposit.
Minimum insurance requirements: According to Arizona Department of Transportation (AZDOT) regulations, every driver in Arizona must have at least 25/50/15 coverage to meet the state's minimum standards.
Driving without the bare minimum of insurance is prohibited and carries severe penalties.
Failure to present proof of insurance: It is a civil traffic offense to fail to give sufficient proof of insurance or proof of financial responsibility when a law enforcement official requests it.
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions
What is the average cost of car insurance in Arizona?
The total cost of auto insurance in Arizona is $1587 for full coverage and $502 for minimum insurance. On average, Arizona drivers pay $87 less for full auto insurance coverage than the national average of $1674.
Who has the cheapest car insurance in Arizona?
In Arizona, USAA has the lowest prices for minimum coverage policy ($887 per year) and maximum coverage ($1885).
Why is car insurance so expensive in Arizona?
Car insurance in Arizona is costly because it has more than average traffic accidents, with 1.4 deaths per 100 million miles driven.
Is it mandatory to have car insurance in Arizona?
Arizona mandates that any motor vehicle is driven on roads in the state be protected by liability insurance by a company approved to operate in Arizona.
Is Arizona a no-fault car insurance state?
Arizona is a fault-based insurance scheme. This means that the person responsible for causing a car accident in Arizona is also responsible for paying the damages.
Is car insurance expensive in Arizona?
Arizona has the 10th lowest priced average car insurance rate in the country, with an average annual cost of $1232. The state of Arizona was cheaper at $283 than the national average of $1510.
What is full coverage insurance in Arizona?
Complete insurance coverage in Arizona is generally described as a policy that offers more than the minimum State liability coverage, $25000 for body injury coverage per person, up to $50000 for accidents, and $15000 for property damage coverage.
What is the minimum liability insurance required in Arizona?
Arizona allows drivers to have auto insurance that meets or exceeds the following minimum coverage: Bodily injury liability coverage: a minimum of $25000 per person/$50000 per accident. Property damage insurance coverage: a minimum of $15000.
Is car insurance cheaper in Arizona than in California?
Car insurance in Arizona is around $350 cheaper than car insurance in California. The cost of auto insurance varies depending on the amount of coverage, insurance background, driving history, and the car insurance company in question. The average annual car insurance premium in California is $1707 compared to the average $1357 in Arizona.
How does car insurance work in Arizona?
Drivers in Arizona are expected to carry at least $25000 in personal injury liability insurance, up to $50000 in accident insurance, and $15000 in property damage liability insurance. When the insured driver is responsible for the crash, the liability insurance shall cover the other driver's costs.