Car Insurance in Arizona
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The legal minimum, what drivers in Arizona pay and which insurers cost the least.
- $137.the average monthly cost of full coverage.
- 25/50/15.the minimum liability limits.
- 17th of 51.the most expensive state (1st = highest).
How much does car insurance cost in Arizona?
With full coverage, drivers in Arizona pay an average of $1,647 each year, or about $137 each month. Covering only the legal minimum costs $879 a year on average. Compared with the US yearly average of $1,613, this cost is 2% higher.
| Coverage in Arizona | Per year | Per month |
|---|---|---|
| Liability | $879 | $73 |
| Collision | $466 | $39 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,647 | $137 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Arizona's legal minimum coverage requirements
For Arizona, the minimum liability limits are 25/50/15. Each injured person is covered up to $25,000, everyone hurt in one crash up to $50,000 and damage to other people's property up to $15,000.
When a driver causes a crash in Arizona, their liability cover pays because the state follows at-fault rules.
You don't have to carry uninsured motorist cover, though insurers must offer it in most states.
Source: Arizona Department of Insurance and Financial Institutions, Automobile Insurance.
How many drivers in Arizona have no insurance
In 2023, about 11% of Arizona drivers had no car insurance. This was the 37th highest share among the 51. If one of them hits you, uninsured motorist cover pays your bills.
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