What is the average cost of car insurance in Arizona?
Arizonans paid an average of $1,198 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s neither cheaper nor more expensive than drivers nationwide, who pay an average $1,204 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
Is Arizona a no-fault state?
No. Arizona is an at-fault state. As an at-fault state, drivers who cause a crash are responsible for paying the costs of injuries to the other party.
What auto insurance is mandatory in Arizona?
A car insurance policy with a minimum amount of liability coverage is required in Arizona, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want.
As of August 2022, 25/50/15 liability coverage limits are the minimum required in Arizona:
COVERAGE TYPE
ARIZONA MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$15,000 per accident
COVERAGE TYPE
Bodily injury liability
ARIZONA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
ARIZONA MINIMUM REQUIREMENTS
$15,000 per accident
What does car insurance typically cover in Arizona?
A typical car insurance policy in Arizona includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Arizona with a Farmers Flex Personal Auto policy.
Arizona car insurance discounts
Farmers offers a variety of discounts for drivers in Arizona. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Arizona.
The Grand Canyon State
At 1,904 square miles total, the Grand Canyon is bigger than the state of Rhode Island (1,212 square miles). — U.S.Department of the Interior
More coverage options in Arizona
Arizona home insurance
Learn more about what home insurance in Arizona covers, available discounts and more.
Arizona renters insurance
Renters insurance in Arizona can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.
Learn From Experience
Still have questions about cars and car insurance in Arizona? We have answers.
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What Is Uninsured Motorist Coverage?
No matter where you live, some drivers will inevitably fail to buy insurance or allow their insurance to expire. Uninsured motorist or UM coverage provides coverage in these situations.
