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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.


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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:

Coverage Type 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)
Property Damage Liability $15,000
Uninsured Motorist $25,000 bodily injury per person$50,000 bodily injury per accident
Personal Injury Protection $50,000

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.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $5,460 $6,992
American Family $4,333 $4,603
Farmers $7,581 $8,275
Nationwide $4,138 $4,782
Progressive $7,959 $8,822
State Farm $3,315 $4,173
Travelers $3,762 $4,706
USAA $5,171 $5,865
Statewide Average $4,832 $5,564
Trumbull $7,815 $8035
AAA $5,175 $5320

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%.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,323
Nationwide $1,400
Hartford $1490
Country Financial $1500
USAA $1,517
CSAA $1577
Esurance $1578
Travelers $1,654
American Family $1,692
Progressive $1,732
Mercury $1733
Statewide Average $1,651
Farmers $2,069
Allstate $2,334
Metlife $2494
Trumbull $3267
AAA $3423

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.

COMPANY AVERAGE ANNUAL RATE
Nationwide $1,272
State Farm $1,434
Country Financial $1,580
Hartford $1,700
Travelers $1,721
USAA $1,781
American Family $1,808
Statewide Average $1,881
Progressive $2,242
Farmers $2,342
Mercury $2,407
Esurance $2,627
Allstate $3,018
MetLife $3,185
Trumbull $3,999

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.

If you are looking for the best 'car insurance after DUI look no further, Check the table below:

COMPANY AVERAGE ANNUAL RATE
State Farm $1,323
Progressive $1,483
Country Financial $1,669
American Family $1,692
Hartford $1,704
Mercury $1,733
CSAA $1,752
Travelers $1,892
Statewide Average $2,010
Esurance $2,033
Nationwide $2,245
Farmers $2,254
Allstate $2,577
USAA $2,775
MetLife $4,021
Trumbull $4335
AAA $4345

Cheap car insurance for married Arizona drivers

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.

Company Average Annual Rate
State Farm $1,433
Progressive $1,541
AAA $2,165
Farmers $2,381
Trumbull $2,417
Allstate $2,765
USAA $1,301

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.

Company Annual rate
State Farm $2751
Allstate $3426
Trumbull $3408
Progressive $4725

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.

CityAverage Annual Cost
Aguila$2,417
Ajo$2,177
Ak-Chin Village$2,249
Alpine$1,901
Amado$1,937
Anthem$2,453
Apache Junction$2,297
Arizona City$2,189
Arizona Village$1,889
Arlington$2,321
Avenue B and C$2,093
Avondale$2,573
Avra Valley$2,177
Bagdad$1,949
Bapchule$2,249
Bellemont$2,057
Benson$2,213
Bisbee$1,877
Black Canyon City$2,225
Blackwater$2,249
Blue$2,045
Blue Gap$2,141
Bluewater$1,841
Bouse$2,093
Buckeye$2,045
Bullhead City$1,889
Bylas$1,985
Cactus Flats$1,877
Cameron$2,117
Camp Verde$1,985
Carefree$2,393
Casa Grande$2,201
Casas Adobes$2,213
Cashion$2,357
Catalina$2,057
Catalina Foothills$2,381
Cave Creek$2,681
Central$2,033
Central Heights-Midland City$2,093
Chambers$2,069
Chandler$2,369
Chandler Heights$2,309
Chinle$2,117
Chino Valley$1,889
Chloride$1,949
Cibecue$2,333
Cibola$2,057
Cienega Springs$1,841
Citrus Park$2,405
Clarkdale$1,901
Clay Springs$2,093
Claypool$2,141
Clifton$1,901
Cochise$1,877
Colorado City$1,973
Concho$1,997
Congress$2,093
Coolidge$2,237
Cordes Lakes$2,009
Cornville$1,997
Corona De Tucson$2,069
Cortaro$2,141
Cottonwood$1,877
Crown King$1,973
Dateland$2,165
Desert Hills$1,781
Dewey$1,877
Dilkon$1,937
Dolan Springs$1,889
Doney Park$1,997
Donovan Estates$2,081
Douglas$1,829
Dragoon$1,877
Drexel Heights$2,237
Dudleyville$2,069
Duncan$1,937
Eagar$2,009
Eden$1,925
Ehrenberg$2,297
El Mirage$2,453
Elfrida$1,841
Elgin$2,057
Eloy$2,141
Flagstaff$1,997
Florence$2,141
Flowing Wells$2,393
Forest Lakes$2,069
Fort Apache$2,105
Fort Defiance$2,069
Fort Huachuca$1,817
Fort Mcdowell$2,333
Fort Mohave$1,901
Fort Thomas$2,237
Fort Valley$2,009
Fortuna Foothills$1,973
Fountain Hills$2,213
Fredonia$1,937
Gadsden$2,045
Ganado$1,997
Gila Bend$2,261
Gilbert$2,357
Glendale$2,645
Globe$2,117
Gold Canyon$2,273
Golden Valley$1,925
Goodyear$2,165
Grand Canyon$2,129
Gray Mountain$2,081
Greasewood$1,985
Green Valley$1,865
Greer$1,997
Guadalupe$2,537
Hackberry$1,961
Happy Jack$2,009
Hayden$2,093
Heber$2,021
Hereford$1,829
Higley$2,393
Holbrook$2,045
Hotevilla$2,189
Houck$2,093
Huachuca City$1,853
Hualapai$2,021
Humboldt$1,997
Hunter Creek$2,081
Icehouse Canyon$2,093
Jerome$1,985
Joseph City$2,177
Kachina Village$1,997
Kaibeto$2,081
Kaka$2,261
Kayenta$2,441
Keams Canyon$2,189
Kearny$2,057
Kingman$1,901
Kirkland$1,877
Kykotsmovi Village$2,117
Lake Havasu City$1,793
Lake Montezuma$2,069
Lakeside$2,033
Laveen$2,429
Leupp$2,093
Linden$1,985
Litchfield Park$2,417
Littlefield$1,937
Low Mountain$2,153
Lower Santan Village$2,273
Lukachukai$2,225
Luke AFB$2,489
Lukeville$2,201
Lupton$2,045
Mammoth$2,105
Many Farms$2,597
Marana$2,177
Marble Canyon$1,985
Maricopa$2,225
Mayer$2,009
Mc Neal$1,853
McNary$2,033
Meadview$1,817
Mesa$2,441
Mescal$2,213
Miami$2,141
Moenkopi$2,117
Mohave Valley$1,889
Morenci$1,877
Mormon Lake$1,973
Morristown$2,165
Mount Lemmon$2,477
Mountainaire$1,997
Munds Park$2,093
Naco$1,901
Nazlini$2,333
New Kingman-Butler$1,889
New River$2,417
Nogales$1,937
North Rim$2,069
Nutrioso$2,045
Oatman$1,913
Oracle$2,009
Oro Valley$2,141
Overgaard$2,033
Page$1,901
Palo Verde$2,285
Paradise Valley$2,705
Parker$1,865
Parker Strip$1,865
Parks$2,237
Patagonia$1,865
Paulden$1,865
Payson$2,093
Peach Springs$1,961
Pearce$1,817
Peoria$2,249
Peridot$1,973
Petrified Forest National Park$2,153
Phoenix$2,813
Picacho$2,309
Picture Rocks$2,249
Pima$1,865
Pine$1,973
Pinedale$2,225
Pinetop$2,009
Pirtleville$1,949
Polacca$2,129
Pomerene$2,273
Portal$1,829
Poston$2,033
Prescott$2,021
Prescott Valley$1,913
Quartzsite$1,901
Queen Creek$2,333
Rainbow City$2,069
Red Rock$2,417
Red Valley$2,093
Rillito$2,213
Rimrock$1,961
Rincon Valley$2,213
Rio Rico$1,949
Rio Verde$2,225
Rock Point$2,141
Roll$2,045
Roosevelt$2,033
Round Rock$2,105
Sacaton$2,249
Saddlebrooke$2,021
Safford$1,889
Sahuarita$1,841
Saint David$1,901
Saint Johns$2,045
Saint Michaels$2,081
Salome$2,105
San Carlos$2,069
San Luis$2,105
San Manuel$2,033
San Simon$1,805
San Tan Valley$2,357
Sanders$2,129
Sasabe$2,105
Sawmill$2,057
Scottsdale$2,441
Second Mesa$2,105
Sedona$1,913
Seligman$1,913
Sells$2,345
Shonto$2,117
Show Low$1,985
Sierra Vista$1,829
Sierra Vista Southeast$1,901
Skull Valley$1,961
Snowflake$2,069
Solomon$2,177
Somerton$2,117
Sonoita$1,925
South Tucson$2,345
Springerville$2,237
Stanfield$2,165
Strawberry$1,973
Summit$2,333
Sun City$2,249
Sun City West$2,105
Sun Lakes$2,465
Sun Valley$2,117
Supai$2,033
Superior$2,285
Surprise$2,201
Swift Trail Junction$1,889
Tacna$2,129
Tanque Verde$2,261
Taylor$2,309
Teec Nos Pos$2,105
Tempe$2,501
Temple Bar Marina$1,949
Thatcher$1,841
Tolleson$2,669
Tombstone$1,805
Tonalea$2,093
Tonopah$2,177
Tonto Basin$1,949
Topawa$2,297
Topock$1,805
Tortilla Flat$2,381
Tsaile$2,177
Tuba City$2,117
Tubac$2,177
Tucson$2,345
Tucson Estates$2,381
Tumacacori$1,985
Turkey Creek$2,069
Vail$2,081
Valencia West$2,237
Valentine$1,973
Valle Vista$1,877
Valley Farms$2,225
Verde Village$1,757
Vernon$1,997
Vicksburg$2,117
Waddell$2,465
Wall Lane$2,057
Wellton$1,937
Wenden$2,081
Whetstone$1,853
White Hills$1,865
White Mountain Lake$1,973
Whitecone$2,333
Whiteriver$2,069
Wickenburg$2,105
Wikieup$1,985
Willcox$1,817
Williams$1,961
Williamson$1,925
Willow Beach$1,865
Willow Valley$1,889
Window Rock$2,057
Winslow$1,937
Winslow West$1,937
Wittmann$2,213
Woodruff$2,309
Yarnell$1,973
Young$2,069
Youngtown$2,537
Yucca$1,877
Yuma$2,057

Cheap auto insurance in Arizona with bad credit

Company Avg. Annual Premium
Travelers $1,988
Nationwide $2,288
Progressive $2,581
USAA $2,788
Farmers $3,048
Allstate $3,539
State Farm $6,032

Arizona auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,760 1% $10
None $1,760 1% $10
Not-at-fault accident $1,764 1% $14
Two Med/PIP claims $1,835 5% $84
One comp claim $1,836 5% $86
Two comp claims $1,928 11% $178
Failure to wear a seat belt $1,981 14% $231
Driving without lights $1,984 14% $234
Child safety restraint $1,984 14% $234
Failure to show documents $2,069 19% $319
Driving with expired registration $2,141 23% $390
Wrong way/wrong lane $2,205 26% $455
Speeding 6 - 10 MPH over limit $2,206 26% $455
Following too closely $2,206 26% $456
Failure to stop at a red light $2,206 26% $456
Failure to yield $2,206 26% $456
Illegal turn $2,207 26% $456
Cell phone violation $2,211 27% $460
Texting while driving $2,211 27% $460
Improper passing $2,235 27% $484
Speeding 11 - 15 MPH over limit $2,245 29% $495
Speeding in school zone $2,255 29% $504
Driving too slowly $2,255 29% $504
Speeding 16 - 20 MPH over limit $2,263 30% $512
In 65 MPH zone $2,327 33% $577
Speeding 21 - 25 MPH over limit $2,336 34% $586
Passing school bus $2,336 34% $586
At-fault accident - less than $1000 $2,414 38% $664
Operating a vehicle without permission $2,464 41% $713
At-fault accident - $1000-$2000 $2,580 48% $830
At-fault accident - greater than $2000 $2,608 49% $857
Open container $2,666 53% $915
Reckless driving $2,949 69% $1,198
Driving with a suspended license $2,987 71% $1,237
Refusal to submit to a chemical test $3,370 93% $1,619
DUI $3,370 93% $1,619
Racing $3,463 98% $1,712
Leaving scene of an accident/hit and run $3,481 99% $1,731

Car insurance price trends in Arizona

Year Avg. Annual Premium — Arizona Yearly change — AZ Avg. Annual Premium— U.S. Yearly Change — U.S.
2021 $1,492 $28 $1,539 $56
2020 $1,474 $10 $1,493 -$51
2019 $1,454 $95 $1,554 $33
2018 $1,389 $427 $1,531 $42
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

See what you could save on auto insurance

How to find the best car insurance in Arizona

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:

Discounts
Anti-Theft Devices
Multiple Policies
College Discounts
Home Ownership
Defensive Driving Course Completion
Drivers Ed Courses
Low Annual Mileage
Multi-Car
Accident-Free
Good Student
Passive Restraint
Car Safety

Arizona Car Insurance Laws

Arizona Auto Insurance Requirements

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.

Arizona drivers should examine numerous alternative coverage options in addition to the state's minimal liability coverage.

Proof of Auto Insurance in Arizona

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.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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