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Compare car insurance in Arizona

Get the cheapest car insurance in Arizona for 2021

For drivers in Arizona, the average cost of car insurance is $1,181.29 annually or about $98 monthly, according to the National Association of Insurance Commissioners (NAIC). Arizona’s average comes close to the average cost nationwide, which is $1,190.

However, your costs may or may not look the same as the state average — a host of factors affect car insurance rates, including your driving record and car. Also, the NAIC’s average takes in to account policies with both state minimum coverage along with higher coverage like comprehensive and collision. The coverage you choose may give you a higher or lower rate than the average driver in Arizona.

Arizona car insurance quick facts

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Minimum liability requirements

15/30/10

Average annual car insurance cost according to the NAIC

$1,181.29

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Arizona state minimum car insurance requirements

You can’t drive in Arizona unless you carry at least liability insurance coverage. When shopping for car insurance, you may see the amount of liability required written as 15/30/10. These are your coverage limits, telling you how much your insurance will pay for damage.

As an alternative, you can take on financial responsibility and forgo car insurance if you buy a $40,000 bond. However, doing so wouldn’t provide much protection to pay for someone else’s damage or medical bills after an accident.

Let’s break down what’s covered by Arizona’s state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $15,000 for injuries to one person
  • $30,000 for injuries to multiple people

For bodily injuries, Arizona requires you to carry 15/30, which pays up to $15,000 for injuries to one person and $30,000 total if you injure more than one person.

This coverage is important because it helps you pay for someone else’s medical bills or pain and suffering if you cause an accident. However, Arizona’s coverage limits provide little protection except for minor accidents, so consider upping your liability limits.

Property damage liability

Property damage liability

  • $10,000 in property damage liability

Arizona requires at least $10,000 for property damage liability, paying out for damage that you cause to another driver’s car or personal property like a phone or cargo. This amount falls at the low end of what other states require for property damage, giving low protection for accidents.

Finder tip: Arizona’s state minimum coverage isn’t enough

Arizona keeps low car insurance requirements compared to other states — and few states require ample coverage that would cover most accidents anyway. For example, buying state minimum coverage wouldn’t pay for any damage to your car or your medical bills.

In addition, if you total someone else’s car that’s worth $25,000, your state minimum policy would cover up to $10,000 to replace it. To avoid paying the rest out of pocket, think about buying higher liability limits than Arizona requires and adding optional coverage, based on your budget.

Most popular Arizona auto insurance companies list

CompanyDirect premiums written (billions)Market share
Geico$829,42215.7%
State Farm$817,36315.5%
Progressive$632,44112.0%
USAA$420,5138.0%
Farmers$410,3797.8%
Allstate$400,7707.6%
American Family$302,0365.7%
Liberty Mutual$290,7195.5%
Hartford$107,2642.0%
AAA$104,5732.0%

Cheapest car insurance rates in Arizona

Cheap car insurance quotes in Arizona

CompanyAverage annual rateLearn more
$1,162Get a quote Read review
$1,864
$2,251Get a quote Read review
$2,625
$3,026Get a quote Read review

Cheap car insurance quotes in Phoenix

CompanyAverage annual rateLearn more
$1,285Get a quote Read review
$2,121
$2,251Get a quote Read review
$2,709
$2,939Get a quote Read review

Which city has the cheapest car insurance in Arizona?

Of Arizona’s largest cities, Yuma has the cheapest rates and Phoenix has the most expensive car insurance rates. Phoenix drivers could face rates 5 times more than Yuma drivers.

Car insurance quotes in Yuma

CompanyAnnual car insurance rate
Allstate$1806
Progressive$891
Mercury$1124
Geico$644

Car insurance quotes in Glendale

CompanyAnnual car insurance rate
Allstate$2589
Progressive$1165
Mercury$1526
Geico$844

Car insurance quotes in Chandler

CompanyAnnual car insurance rate
Allstate$2558
Progressive$1104
Mercury$1503
Geico$795

Car insurance quotes in Phoenix

CompanyAnnual car insurance rate
Allstate$2685
Progressive$1238
Mercury$1457
Geico$877

Car insurance quotes in Tucson

CompanyAnnual car insurance rate
Allstate$2302
Progressive$979
Mercury$1223
Geico$693

Compare car insurance providers in Arizona

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
loading

Compare up to 4 providers

Car insurance for high-risk drivers in Arizona

Finding affordable coverage or getting denied for coverage because you’re considered a high-risk driver isn’t fun. With WAAIP, you can find options through the Western Association of Automobile Insurance Plans (WAAIP). You’ll be assigned an affordable provider through the WAAIP network of insurers. Any extra risk you pose to the insurance provider is spread across the network of companies.

Can I get SR-22 insurance in Arizona?

Yes, you can file for SR-22 insurance in Arizona. You may need an SR-22 form if you’ve been convicted of a severe moving violation, such as DUI/DWI or reckless driving, or if you’ve accumulated too many violation points on your drivers license in the past three years. An SR-22 form lets the state know that you’re carrying at least the minimum for auto liability insurance so you can legally drive again.

Bottom line

To drive in Arizona, you’ll need to purchase liability insurance or set up alternative means that can cost you at least $40,000. Research your car insurance options to find the cheapest coverage for your needs when driving in this sunny state.

Frequently asked questions about car insurance in Arizona

How do I register my car in Arizona?

To register your car, you must completed required documents in person at a Motor Vehicle Department office. You will need to submit your vehicle title, a completed application and proof of ID and pay a fee.

Will my rates increase if I file a claim with my car insurance?

While each car insurance policy varies, it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

Can my insurance company cancel my policy if I file a claim?

It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You will typically receive notice from your car insurance company before it plans to cancel your policy.

“Is my out-of-state insurance policy acceptable for Arizona?

No. All vehicles registered in Arizona must be insured by a company licensed to do business in the state.

Can my license be suspended in Arizona?

Yes, your license can be suspended or even revoked if you fail to pay a ticket, don’t appear in court for a driving offense, don’t attend mandated driving school, accumulate eight points on your license, get a DUI or are convicted of reckless driving. You’ll typically have to pay a fine and meet certain requirements to get your license reinstated.

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