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Car Insurance in Arizona (Updated May 2024)

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Arizona Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Arizona however, drivers are paying 8% less for car insurance than the national average, with Full Coverage costing Arizona drivers an average of $173 per month

Similar to other states, the rates in Arizona can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Arizona. Read on to learn more about properly insuring your car in Arizona. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Arizona Car Insurance Laws

Whether you're in the city or out in the sagebrush, Arizona drivers need auto insurance coverage. In fact, Arizona car insurance law legally requires drivers to maintain acceptable levels of coverage.

Arizona’s car insurance minimums

In the Grand Canyon State, the law requires drivers to maintain a minimum coverage of:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $15,000 per person for property damages

Additionally, Arizona requires both uninsured and underinsured insurance policies that help protect your wallet if you're hit by someone without the right insurance policy. Arizona requires minimum coverage up to:

  • $25,000 per accident with uninsured drivers
  • $50,000 per accident for underinsured drivers

Proof of Insurance

driving without proof of insurance in Arizona [can lead to] a minimum $500 fine and a

suspension ” 

In Arizona, driving without proof of insurance can earn you a citation. If you can prove you had insurance, the ticket will likely be waived. On the other hand, if you're caught driving without insurance in Arizona, you're looking at a minimum $500 fine and suspension of your license and registration. You'll also have to file an SR-22 form with the DMV on behalf of your insurance company. Repeated offenses lead to stiffer fines. If you're just leaving the dealership, no sweat. In Arizona, you have a 30-day grace period to add your new car to an old policy.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Arizona?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Arizona?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Arizona?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.