Car Insurance in Arizona
Arizona drivers must carry at least 25/50/15 in liability coverage to register and operate a vehicle. As an at-fault state, the at-fault driver’s insurance pays for the other party’s injuries and damage.
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Arizona at a glance
Data as of 2023Average cost
$1,344/yr
≈ $112/mo
vs U.S. average
+5%
above the national avg of $1,282/yr
Required minimums
25/50/15
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Arizona drivers must carry at least 25/50/15 in liability coverage to register and operate a vehicle. As an at-fault state, the at-fault driver’s insurance pays for the other party’s injuries and damage.
Minimum limits keep you legal but can fall short in a serious crash. Comparing several carriers is the fastest way to find an affordable policy in Arizona.
Arizona minimum car insurance requirements
Arizona requires $25,000 of bodily injury liability per person, $50,000 per accident, and $15,000 in property damage liability. Lenders typically require collision and comprehensive coverage on financed or leased vehicles.
How much does car insurance cost in Arizona?
The average driver in Arizona pays $1,344 per year for auto insurance — that's 5% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Arizona vs the national average
5% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Arizona premiums have changed since 2019
Auto insurance costs in Arizona have risen 26% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Arizona vs national average
Arizona is up 26% from $1,065 in 2019 to $1,344 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Arizona policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Arizona
Driving uninsured in Arizona can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Arizona
Rates for the same driver can vary widely between insurers in Arizona, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Arizona car insurance FAQs
Common questions about auto insurance in Arizona
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