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- Arizona Car Insurance
Get an Arizona car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Arizona
Arizona auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programArizona minimum car insurance requirements (25/50/15)
It's illegal to drive without car insurance in Arizona. To drive legally, you need to have at least the following coverage amounts and minimums in Arizona.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $15,000 per accident |
Find more information through the Arizona Department of Insurance and Financial Institutions.
Average cost of car insurance in Arizona, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Arizona is about $1,908 per year.
Drivers in Arizona will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Is Arizona a no-fault insurance state?
No, Arizona is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Arizona drivers may want to consider additional coverages
These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Arizona, drivers must opt out of these coverages in writing when buying a car insurance policy.
Who offers cheap car insurance in Arizona?
Finding the cheapest car insurance in Arizona may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
What can impact my car insurance rates in Arizona?
Several factors can affect your car insurance rates in Arizona. Some of them are driver-specific, such as age, driving record, and the vehicle's make and model. Location is also relevant. For instance, drivers in Phoenix may pay more than drivers in Flagstaff or Yuma because of higher traffic and accident frequency.
Other factors that affect car insurance rates include prior coverage history, coverage limits, and deductibles. The number of uninsured drivers (roughly one in nine) can also increase premiums, as well as the frequency of major weather events or the addition of a teen driver to the policy.
Arizona car insurance FAQs
- The state minimum car insurance requirement is $25,000 in bodily injury coverage, $50,000 in accident coverage, and $15,000 in property damage (25/50/15).
Arizona is an at-fault state, so the driver who causes the accident is responsible for injuries and property damage.
- Yes. Proof of minimum insurance coverage is required by the Arizona Motor Vehicle Division (MVD) for you to register a vehicle. If your policy lapses, the MVD may suspend your vehicle registration and may impose additional penalties. Insurance companies report active coverage to the MVD electronically, but you should also carry proof of insurance in your vehicle.
- Arizona car insurance rates are lower than the national average, but drivers living in major cities may pay more due to traffic density and higher accident rates. Premiums in southern Arizona where weather can be severe may also see slightly higher insurance premiums.
In addition to mandatory minimum coverage, Arizona drivers may consider adding:
- Comprehensive Coverage to help cover non-collision damage like hail, theft, fire, and animal strikes.
- Collision Coverage to help cover damage to your vehicle after a covered accident involving another vehicle or object.
- Medical Payments (MedPay) Coverage to help pay covered medical expenses for you and your passengers after an accident, regardless of fault.
- Uninsured Motorist and Underinsured Motorist Coverage, which insurers must offer in Arizona, can help protect you if you're involved in an accident with a driver who has little or no insurance coverage.
Other options include Rental Car Reimbursement, Roadside Assistance, and Gap Coverage for newer financed vehicles.
- Proof of insurance does not need to be in hard copy form in Arizona. An electronic version, like a photo or PDF of the policy on your phone, is accepted by law enforcement and at MVD offices. Your insurance company's mobile app should have this option available. If not, take a picture of the insurance card yourself and add it to your phone.
- Yes. You can add a teenager to the policy once they have their learner's permit or driver's license. Arizona uses a graduated driver license (GDL) program that restricts passenger and nighttime driving for the first six months of licensure.