Arizona Car Insurance Calculator
Calculate your auto insurance cost in Arizona. Compare with state averages and find savings.
$1,732
Avg Annual Premium
25/50/15
Min Liability
Monthly Avg
$144
Full Coverage
$2,289
Min Coverage
$612
Uninsured Rate
11.8%
Arizona Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Arizona
High population growthDesert heat damageUrban traffic density
Major Metro Areas in Arizona
PhoenixTucsonMesaScottsdaleChandlerGilbert
FAQ
Arizona Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Arizona
The average annual car insurance premium in Arizona is $1,732, or about $144 per month. Full coverage averages $2,289 annually, while minimum coverage averages $612. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Arizona requires minimum liability coverage of 25/50/15 ($25,000/$50,000 for bodily injury and $15,000 for property damage).
Key factors affecting Arizona car insurance rates include: High population growth, Desert heat damage, Urban traffic density. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 11.8% of drivers in Arizona are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Arizona car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Arizona include: State Farm, GEICO, Progressive, Allstate, USAA. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
AZ Insurance Costs
Average premiums in Arizona:
- Annual Average$1,732
- Monthly Average$144
- Full Coverage$2,289
- Minimum Coverage$612
AZ Requirements
Minimum coverage required:
- Liability25/50/15
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate11.8%
Top AZ Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •USAA