Arizona Car Insurance

Arizona car insurance costs $95/mo, or $1,150/yr on average. This is over 20 percent lower than the national average, and you could save even more money on your Arizona auto insurance rates when you comparison shop online with us. Enter your ZIP code below to get free quotes from local Arizona car insurance companies and learn more about Arizona auto insurance laws in this free guide.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Car insurance is mandatory for all vehicles registered in Arizona with minimum levels of liability insurance required by the Arizona Department of Insurance. Drivers must show proof of insurance before vehicle tags are issued and maintain a policy conforming to at least minimum Arizona car insurance laws at all times.

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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Arizona Car Insurance Laws

Arizona drivers must carry liability insurance for any registered vehicle. In 2010 minimum Arizona car insurance laws require all drivers to carry car insurance overage with at least the following levels of liability insurance:

  • $15,000 liability insurance for accidents with one injured person
  • $30,000 combined liability insurance for accidents with 2 or more injured persons
  • $10,000 of property damage liability coverage

Are Arizona Minimum Car Insurance Laws enough coverage?

No. Not only does Arizona operate under tort laws where drivers can be sued for even minor accidents but the minimum levels of liability insurance required expose drivers to substantial risk of personal liability. With the high cost of medical expenses and aggressive car accident attorneys its important to have sufficient coverage in place. Many Arizona drivers opt for much higher limits of liability insurance exceeding $100,000.

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

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Is Liability Insurance all I need?

No. Arizona minimum car insurance requirement are just minimums to help provide a safer environment for Arizona drivers. Liability insurance only covers damage other people sustain. Any injuries incurred in an accident where you are at-fault will not be covered if you only have liability insurance. Its critical to learn about comprehensive and collision coverage before purchasing any car insurance policy. While securing coverage which just meets Arizona laws will prevent a ticket it is almost the equivalent of having no insurance for any accident bigger than a fender bender.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in AR.

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How much is Arizona Car Insurance?

Arizona car insurance rates are some of the lowest in the nation. Drivers average just over $1,150 annually in premiums which is over 20% lower than the national average of $1,430 according to a report published by in 2010.

Your exact premiums however will depend on the overall risk profile of your application. Some of the most important elements of any car insurance application include:

  • Type of Vehicle Insured
  • Your Driving Record
  • Your Credit Score
  • Type of Coverage

These are just 4 of over 100 variables which influence car insurance rates but car insurance in Arizona is generally lower than many other states for most drivers.

Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in Arizona.

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Six major factors affect auto insurance rates in AR. Which car insurance factors will affect your rates the most? Find out below:

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Who is the best Arizona Car Insurance Company?

Arizona drivers have a wealth of car insurance companies to choose from including Progressive, Esurance, Allstate, Geico and many more. The best Arizona car insurance company really depends on your unique needs and its impossible to declare one provider better than the other for all people. The most popular way to search for the best auto insurance rates is through a car insurance comparison search online.

Now let’s see who is the cheapest car insurance company in AZ.

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Who are the largest car insurance companies in Arizona?

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Arizona Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Arizona
Factors Affecting Car Insurance Rates in Arizona
Arizona Car Insurance Rates by Company vs. State Average
Arizona Car Insurers by Market Share %