Arizona Car Insurance FAQ - Quick Answers

The annual average cost for Arizona car insurance is $1,103, coming in less expensive than the national figure of $1,311 per year. For your exact pricing, connect with a local adviser for custom quotes. 

Arizona's standard limits fall under the following liability coverages:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist

Arizona requires you to carry the state minimum limits of liability coverage to use the roadways. These amounts are:

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per accident
  • $15,000 of property damage liability 

In Arizona, 12.0% of the driving force is uninsured. That means that you and your family are at risk every time you use the roadways. To safeguard yourself from an injury or damage that you can't pay for when an uninsured driver causes an accident, obtain uninsured motorist coverage. This can be added to your auto policy for an additional premium.

When you're shopping for the perfect car insurance, you'll be met with numerous options. In Arizona, Nationwide, State Auto, Travelers, and Progressive insurance companies are all highly rated. These carriers set the bar when it comes to customer service and claims filing. 

If you've been searching for the best car insurance in Arizona, it's good to have friends in high places. A local independent insurance agent is a great adviser to have in your corner and they can shop with some of the market's most competitive insurance companies for free. They'll do the hard work and present you with options that fit your needs and budget.

Do You Know What Your Arizona Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Annual insurance cost
Avondale28.7$1,493
Buckeye32.6$1,449
Chandler24.7$1,263
Glendale28.7$1,598
Goodyear30.8$1,380
Mesa25.4$1,318
Peoria28.7$1,351
Phoenix26.2$1,560
Scottsdale22.3$1,286
Surprise30.4$1,410
Tempe21.0$1,366
Tucson22.5$1,563