Popular QuestionsPopular Questions about Car Insurance in Arizona

How much does Arizona car insurance cost? $1,103

On average, Arizona drivers pay approximately $1,103 a year (or $92 a month) for their car insurance. This is lower than the national average cost of $1,311 per year.  Shopping around for the best price can help you be certain that you are not overpaying for your coverage. 

As a vehicle owner in Arizona, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf and can help you compare the coverage offered by each. Find an agent near you to learn more.

What can Arizona car insurance do for me?

Car insurance in Arizona includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your Arizona auto insurance may be able to help.

Pays to repair your car

  • We call this comprehensive & collision insurance.
  • This coverage is optional.
  • Comprehensive insurance covers non-accident related damage while collision insurance covers damage that occur due to a motor vehicle accident, even if you’re at fault.
  • Although these optional coverage types are not required by the state, they are nearly always required by lenders if you are still paying for your car and by dealerships if you are leasing it.

Pays to repair someone else's car

  • We call this property damage liability insurance.
  • This coverage is required.
  • Property damage liability insurance is designed to cover property damage you may cause to others if you are responsible for an accident. 
  • In Arizona, your car insurance policy must include a minimum of $15,000 in property damage liability coverage.

Pays your medical bills

  • We call this medical payments insurance or personal injury protection (PIP).
  • This coverage is optional.
  • Medical payments insurance can cover medical bills for you and your passengers if you are injured in a collision, regardless of fault.
  • This coverage can be necessary since most health insurance plans will not cover injuries sustained in a car accident.

Pays someone else's medical bills

  • We call this bodily injury liability insurance.
  • This coverage is mandatory.
  • Bodily injury liability insurance covers medical bills and lost wages for other people if you are responsible for a collision in which they are injured.
  • In Arizona, all car insurance policies must include a minimum of $25,000 per person / $50,000 per accident in bodily injury liability coverage.

You can also choose to include other coverage with your car insurance policy including such options as gap insurance, uninsured motorist insurance, roadside assistance and towing insurance, and rental car reimbursement. Talk to a local independent insurance agent to learn more.

Who pays if the accident wasn’t my fault?

Arizona is a fault-based state so the driver who caused the accident is responsible for covering the cost of damages as well as any necessary medical treatments.

How many Arizona drivers are uninsured? 12.0%

Driving without insurance in Arizona is illegal. If you caught, you can face:

  • Fines ranging from $500 to $1,000
  • The suspension of your license, registration, and plate for three months to one year
  • The requirement to obtain an SR-22 certificate on your insurance for two years

Despite these penalties, an estimated 12 percent of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.

The at-fault driver is responsible for covering your damage and any needed medical treatments; however, if the uninsured driver simply doesn’t have the money available, you may need to go through legal channels and expensive and time-consuming lawsuits just to collect a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver. 

What is the best car insurance company in Arizona?

The best insurance company for an elderly man with a long history of safe driving might not be the best choice for middle-aged couple who has teenage drivers in their household.

That is why independent insurance agents compare coverage and prices from a variety of highly rated insurance companies. This is the best way to find the policy a policy that is ideal for you and your specific coverage needs.

Are there any independent insurance agents in Arizona?

Yes! There are currently 401 independent insurance agencies located throughout the state of Arizona. These agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.

InformationFind the Best Car Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost:  $1311 / year
  • National average car thefts per 1,000:  2.29
  • National average time spent commuting:  25.4 min
CityAvg. Commute Time (Min)Theft Rate per 1,000 VehiclesAvg. Insurance Cost (Yearly)
San Tan Valley33.91.24$1,483

Phoenix, AZ, Car Insurance

The average monthly cost of auto insurance in Phoenix is $130.

Because your car insurance rates are customized according to your personal details and the type of car you are insuring, your actual monthly cost could be considerably higher or lower than this amount. Drivers with a safe driving history tend to pay a lot less than novice drivers or those with moving violations or accidents in their recent driving history.

Many car accidents in Phoenix involve injuries to pedestrians. That is why having a sufficient amount of bodily injury liability insurance is so important. If you carry only the state minimum required coverage, an injured pedestrian’s medical bills could easily exceed what your insurance policy will cover. In that case, you would be expected to make up the difference out of pocket.

A local independent agent can help you review costs for varying levels of liability insurance so you can determine how much coverage you can reasonably afford. Talk to an agent near you to learn more.

Tucson, AZ, Car Insurance

The average monthly cost of car insurance in Tucson is $130.

However, you should take this average with a grain of salt. Your actual monthly cost could be higher or lower than this because rates are calculated on a case-by-case basis according to a number of factors such as your age, driving history, details about the vehicle you are insuring, your deductible amount, and more.

What would you do if you walked out of your local Food City with a cart full of groceries only to discover that your car had been stolen? This is a real risk in the Tucson area, which sees about 2,000 auto thefts a year. Fortunately, when your car insurance includes comprehensive coverage, you can be reimbursed for your losses if your car is stolen.

Talk to a local independent insurance agent to learn how much it will cost you to include comprehensive insurance, and other optional coverage, in your Tucson car insurance policy.

Mesa, AZ, Car Insurance

The average monthly cost of car insurance in Mesa is $110.

Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. This is because insurance companies use factors such as information about your car and the age, gender, and driving records of the members of your household who will be driving it, to calculate your personalized quote.

Car accidents can happen to even the most experienced drivers. Whether you find yourself in a multi-vehicle collision on the Superstition Freeway or you accidently cause a fender bender on Main Street, a solid car insurance policy can cover your costs once your deductible has been met.

By purchasing a policy that includes collision coverage, you can be sure that damages to your vehicle are covered, even if the accident is your own fault. Talk to an independent agent in Mesa to learn more about how different coverage options can benefit you.

Chandler, AZ, Car Insurance

The average monthly cost of auto insurance in Chandler is $105.

When calculating your car insurance rate, insurance companies will take several details into account such as information about your vehicle and the people in your household who will be driving it. Other factors such as where you park your car, the size of your deductible, and the amount of coverage you are buying can also affect your costs. Because of this, your actual monthly cost could be significantly higher or lower than the city’s average.

Heavy rains during the monsoon season can sometimes bring flash flooding to the Chandler area. When this happens cars can be washed away or damaged beyond repair. Fortunately, if your auto policy includes comprehensive insurance, you can be reimbursed for the blue book value of your car if it is totaled. Comprehensive insurance can also cover against other risks like auto theft, falling objects, and wind damage.

Talk to a local independent insurance agent to learn more about comprehensive insurance and your other coverage options.

Scottsdale, AZ, Car Insurance

The average monthly cost of car insurance in Scottsdale is $107.

Of course, $107 is just an average cost. Your actual monthly cost could be higher or lower depending on a variety of factors such as your driving history and details about the vehicle(s) you wish to insure. Let an independent insurance help you review a variety of customized car insurance quotes so you can find the policy that offers the best value for your hard-earned money.

From the 101 Loop to the parking lot of the local Whole Foods, accidents can happen just about anywhere. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about an accident costing you a lot of money. Having a sufficient amount of liability insurance can protect you from potential lawsuits if investigators determine that the accident was your fault.

If you want to have even more liability coverage than your car insurance company can offer, an independent insurance agent can also help you purchase an affordable umbrella insurance policy. Talk to an agent near you to learn more.