Car insurance in Arizona comes with specific requirements and rate factors that every driver should understand. This guide covers minimum coverage, average costs, the cheapest insurers, and how to save.
Arizona Minimum Car Insurance Requirements
Arizona requires all drivers to carry 25/50/15 liability coverage:
| Coverage Type | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury Liability | \,000 per person / \,000 per accident | Medical expenses for others you injure |
| Property Damage Liability | \,000 per accident | Damage you cause to others' property |
Is Arizona a No-Fault State?
No. Arizona is an at-fault (tort) state.
Average Car Insurance Costs in Arizona
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Liability Only | \–\ | Approx. \–\/month |
| Full Coverage | \,200–\,550 | Approx. \–\/month |
Arizona's average full coverage rate is about 10–15% below the national average (,674).
Cheapest Car Insurance Companies in Arizona
- GEICO
- State Farm
- Progressive
- USAA (military)
Arizona Insurance Laws You Should Know
Arizona is an at-fault state with 25/50/15 minimums. UM/UIM coverage is optional. The state has high rates of uninsured drivers (about 12%), making UM coverage a smart choice.
Discounts Available to Arizona Drivers
- Multi-policy
- good driver
- good student
- anti-theft
- low mileage
- defensive driving
Frequently Asked Questions
What are the minimum car insurance requirements in Arizona?
25/50/15 minimum liability coverage: \,000 per person, \,000 per accident, and \,000 property damage.
Is Arizona a no-fault state?
No. Arizona is an at-fault state.
How much is car insurance in Arizona?
Average full coverage in Arizona is \,200–\,550 per year, about 10–15% below the national average.