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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

25/50/15

Average annual car insurance cost according to the NAIC

$1,181.29

At-fault state

In at-fault states, the driver at fault pays for the damage after 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 25/50/15. 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

  • $25,000 for injuries to one person
  • $50,000 for injuries to multiple people

For bodily injuries, Arizona requires you to carry 25/50, which pays up to $25,000 for injuries to one person and $50,000 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

  • $15,000 in property damage liability

Arizona requires at least $15,000 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 is similar to what other states require, although it’s still low protection.

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.

Cheapest rates by age in Arizona

You may find Geico as one of your cheapest options in Arizona, no matter which age group. However, try getting a quote from Progressive too since its rates stick close behind Geico’s in the state.

AgeAllstateProgressiveGeicoUSAA
16-24$197.05$214.91$174.31$196.12
25-34$132.73$141.58$130.23$160.37
35-44$129.54$126.65$122.84$164.97
45-54$140.80$134.12$112.10
55-64$104.76$105.65
65+$116.10

Cheapest rates by gender in Arizona

Geico again offers some of the lowest rates in Arizona for both men and women, although men tend to pay $8 less monthly. See how rates differ between genders with these major car insurance companies.

CompanyAllstateProgressiveGeicoUSAA
Men$156.91$142.40$123.14$190.04
Women$135.47$156.71$131.77$157.59

Sample rates in Arizona from major car insurance companies

We found Geico to offer solid value for its car insurance in Arizona, based on major insurers’ rates from Savvy. Geico charges an average of $128 per month.

CompanyAllstateProgressiveGeicoUSAA
Rate$145.00$149.55$127.85$173.82

Best car insurance in Arizona

The average Arizona car insurance policy costs the same as the national average. However, rates vary widely based on your exact car, driving record and location.

To get the best deal, we recommend starting your search with these companies. We chose the best companies in Arizona by looking at ratings from J.D. Power, Better Business Bureau and the National Association of Insurance Commissioners. We also vetted the companies’ coverage options and discounts to find the best value for the protection.

Best for wide coverage & bundling: Progressive

Progressive

Finder rating 4 / 5 ★★★★★

When searching high and low for the best-valued coverage, try Progressive. We've found that this national brand rings in as one of the cheapest available for many drivers. Get rewarded up to 30% for having no claims within three years, or save an average of 20% for bundling home and auto insurance.

You also won't short yourself on coverage by choosing Progressive. The company offers the expected coverage like liability and collision alongside extras like rideshare, gap and custom parts coverage. Plus, Progressive can help you with many other types of insurance so you can keep all your policies in one place.

Best for low mileage: Allstate Milewise

Allstate

Finder rating 4 / 5 ★★★★★

You could save big bucks by paying per mile with Allstate Milewise, especially if you drive less than 10,000 miles per year. With Milewise, you install a device in your car to track your mileage. Then, you pay a flat rate plus a rate for every mile you drive.

You could pay $75 per month if you drive about 500 miles a month, based on example rates from Allstate's website. In Arizona, that cost is several hundred dollars less per year than the state average. You're also insured by one of the largest auto insurance brands, bringing strong finances and claims experience to the table.

Best for low rates: Auto-Owners

Auto-Owners

Finder rating 4 / 5 ★★★★★

Give Auto-Owners a try if you're shopping for the best value for coverage and are interested in companies other than the main national brands. Auto-Owners serves customers with a human touch via independent agents, and its personalized touch may be why it's ranked highly for its customer service in Florida.

In terms of coverage, you won't miss out on options just for choosing a regional company. Auto-Owners offers coverage for roadside service, gap insurance, a car's diminished value after an accident and more.

Best customer service: American Family

American Family

Finder rating 4 / 5 ★★★★★

American Family may not be the first brand you think about for car insurance, but you'll want a quote if you live in the Southwest. The company ranks at the top of J.D. Power's annual auto insurance study. Perhaps one reason for its high customer satisfaction is that you get one-on-one attention through local agents.

You can keep all the car insurance coverage you're used to. Plus, American Family offers options like gap, rideshare coverage and SR-22 form filing. Finally, you get a company with nearly 70 years of industry experience. American Family is the ninth-largest US auto insurance company, bringing strong finances and experience to support your claims.

7 factors that affect car insurance rates in Arizona

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Arizonan’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender

Gender

Arizona takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

Arizona vehicle theft rates stand at 241.7 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s slightly below the national average of 246 vehicle thefts per 100,000 inhabitants.

As for uninsured drivers, 11.8% of Arizonans on the road are uninsured. That’s less than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Arizonans drive an average of 49.1 miles per day, that’s well above the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Arizona drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Illinois can increase your rate by around 37%. These types of violations typically stay on your record for about three years.

What happens if I need an SR-22 in Arizona?

If you’re required to prove that you have the state’s required car insurance, you’ll file an SR-22 with the Arizona Motor Vehicle Department. This form is usually required for three years after major violations like a DUI or driving uninsured.

Since insurance companies see SR-22s as a sign that you’re high risk, expect high car insurance premiums for as long as you need this proof of insurance.

Coverage that we recommend in Arizona

The point of car insurance is to protect you financially if you have major expenses after an accident. However, Arizona’s car insurance requirements don’t cover some of the most common accidents. Think about whether adding extra coverage works in your favor.

Make sure your liability limits cover all the possibilities

You can easily exhaust Arizona’s low liability limits after an accident, especially if you cause serious injuries or someone takes you to court. For instance, a hospital stay costs thousands of dollars per day and varies based on the services. To make sure you cover all your bases, talk with your insurance agent or financial adviser about the liability limits that suit you.

Collision coverage offers a lot of value

If you can fit more protection in your budget, collision coverage is usually worth the cost. Most Arizona drivers pay around $27 per month for collision coverage, according to the NAIC. If you need a $2,000 car repair, you’d have to save this monthly premium for over six years to pay that expense on your own. Rather than saving for years, opt for protection from collision coverage.

Consider this coverage if . . .

  • You drive a lot and rely on your car.
  • Your car loan requires it.
  • You can’t pay for major car repairs on your own.
  • You don’t have the funds to buy another car.

Comprehensive coverage helps with theft and more

Since theft happens an average amount in Arizona, think about adding comprehensive coverage to protect you from “other-than-collision” damage. This coverage kicks in for many damages, including theft, vandalism, windshield cracks and harsh weather.

Consider this coverage if . . .

  • Your auto loan requires it.
  • You can’t pay for major car repairs on your own.
  • You live in an area known for theft or crime.
  • You live in a rural part of Arizona with large wildlife.
  • Your area sees harsh weather.

Roadside assistance in case of a breakdown

Whether you find yourself in the open desert or navigating traffic in Phoenix, think about roadside assistance for peace of mind. This coverage gives you a phone number that you can call after a car breakdown, including to jumpstart your battery, deliver gas to you or tow your car.

Consider this coverage if . . .

  • You rely heavily on your car.
  • You drive a lot.
  • Your new or used car warranty doesn’t include roadside assistance.

Prep for uninsured or underinsured drivers

No matter what insurance other drivers choose, take control over accidents caused by drivers who can’t pay for your damage. You’d need uninsured or underinsured motorist coverage to cover your car damage or medical bills in this case. However, it’s an optional coverage that you have to add to your policy in Arizona.

Consider this coverage if . . .

  • You couldn’t pay for your own car repairs.
  • You don’t have health insurance.
  • Your health insurance has a high deductible or copays.

Top 10 auto insurance companies in USA that serve Arizona

We’ve pulled the top 10 companies by market share that offer coverage in Arizona, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

  • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
  • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
  • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
  • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Read review

USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

American Family
A+
815/1000
1.35
2.1

★★★★★ 4/5

Read review

Kemper
A+
784/1000
6.42
1.5

★★★★★ 3/5

Read review

Cheapest car insurance rates in Arizona

Cheap car insurance quotes in Arizona

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

Cheap car insurance quotes in Phoenix

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

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 Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
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.

In Arizona, the driver at fault pays for the damage

Arizona is an at-fault state, meaning that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the circumstances.

However, Arizona also considers whether both drivers are partially at fault under its pure comparative fault law, according to the legal website Nolo. Under this law, both drivers pay for the share of damage that they cause.

For example, if you’re 80% responsible for an accident, your insurance pays 80% of the other driver’s damages. The other driver’s insurance also pays 20% of your damages.

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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