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

Need car insurance in Arizona? Whether you live in Tucson or Phoenix, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Arizona auto insurance, so you only pay for what you need.

Arizona drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundling and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

Arizona 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.

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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.