Car Insurance in Arizona

Average car insurance cost in Arizona

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $793 for liability, $436 for collision and $275 for comprehensive ($1,505 combined, versus $1,439 nationally). That average expenditure is 16% higher than the NAIC's previous data year ($1,155). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.

Minimum car insurance requirements in Arizona

Arizona's minimum is written as 25/50/15: $25,000 per person / $50,000 per accident in bodily injury liability and $15,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $960 a year here, $300 more than the minimum.

Minimums were raised from 15/30/10.

Is Arizona a no-fault state?

No — Arizona is an at-fault (tort) state. Arizona is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Arizona

The Insurance Research Council estimates 10.6% of Arizona drivers are uninsured — 37th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 9 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Insurers must offer uninsured motorist coverage in writing; it is optional, and if bought the minimum is 25/50), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Arizona

Arizona uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Arizona MVD requires an SR-22 to be kept for three years from the suspension date; judgment suspensions can differ.

By our model, a driver in their 30s with a DUI would pay about $1,245 a year for minimum coverage in Arizona, versus $660 with a clean record. What is SR-22 insurance?

Car insurance by city in Arizona

We cover 14 Arizona cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Flagstaff ($1,550) and the highest in Glendale ($1,870).

Estimated cost by driver profile in Arizona

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.7× what a driver in their 30s pays for the same full coverage in Arizona.

By coverage level

Cheapest and most expensive cars to insure in Arizona

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,235 a year here.

Cheap car insurance in Arizona: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $100 a year on a typical Arizona full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,350 to $960.
• Drive less, pay less. Low-mileage and usage-based programs can save around $115 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $365 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Arizona Department of Insurance and Financial Institutions

The Arizona Department of Insurance and Financial Institutions licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

difi.az.gov

File a complaint

Consumer complaint page

Consumer helpline

1-602-364-2499

Homeowners insurance in Arizona →

Arizona vs. neighboring states