Liability Car Insurance in Arizona
Numbers refreshed
Arizona's lowest-cost legal policy: its price and what's excluded.
- $73.Liability coverage costs this amount each month on average.
- 25/50/15.the minimum liability limits.
- 17th of 51.Ranks among the most expensive states (1st = highest).
What you pay for liability in Arizona
In Arizona, liability-only car insurance averages $879 a year, or about $73 a month. For liability, Arizona ranks as the 14th most expensive state.
| 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).
What you're left paying after the minimum
Arizona requires policies with at least 25/50/15 liability. The limit for each injured person is $25,000. For all people hurt in one crash, it is $50,000. The limit for damage to other people's property is $15,000.
Liability coverage pays claims for other people. Unless you add collision coverage, you pay to repair your own car.
When a crash bill goes beyond your limits, the remainder can be claimed from you. Raising your limits usually costs far less than the extra protection it gives you.
First written