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Arizona Car Insurance

Car insurance rates in Northern Arizona are among the cheapest in the country, but prices rise dramatically in bigger Arizona cities like Phoenix and Tucson. We’ve got state car insurance rates mapped below for every ZIP code in Arizona so you can see how your neighborhood compares.

Arizona Car Insurance Requirements
Average Car Insurance Rates in Arizona
Arizona Car Insurance Laws
Comprehensive Coverage in Arizona

Car Insurance Companies in Arizona

Arizona car insurance requirements

Arizona state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $15,000/$30,000
Minimum property damage liability $10,000

What are average car insurance rates?

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What you need to know about car insurance in Arizona

Penny Gusner
Consumer Analyst

Arizona Car Insurance Laws

  • Arizona's required auto insurance coverages are comparatively low. Bodily injury liability of only $15,000 per person and $30,000 for all persons harmed in one accident, plus $10,000 in property damage liability, means that your limits could be quickly exhausted without even being in a major accident.
  • Failure to carry auto insurance: Insurance companies must notify the state's Motor Vehicle Division when an individual starts a new auto insurance policy, cancels or non-renews. If the state finds you aren't carrying at least the minimum Arizona auto insurance limits on your vehicle, your vehicle registration and driver's license may be suspended. To reinstate these items you'll owe fees. You will also be required to file (for three years from the date of suspension) future proof of financial responsibility via a SR-22 form.
  • De-insurance: If you are taking a vehicle off of the road for a bit, apply for a De-Insured Certificate. De-insurance allows you to temporarily take the state-required insurance off of a vehicle until it is ready to be driven again.
  • Electronic proof of insurance: Arizona allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.

Why comprehensive coverage is valuable in Arizona

Carrying comprehensive coverage on your automobile will be important if you are worried about damage resulting from Arizona's dust devils, monsoon rains or wildfires.

Comprehensive car insurance also covers you if your car is stolen. With Arizona's close proximity to Mexico (there are seven ports of entry along the 354-mile Arizona/Mexico border) and dry, moderate climate (that allows cars to remain rust-free and maintain higher values) the Arizona Insurance Council notes that vehicle theft can be a problem in this state.

Largest car insurance companies in Arizona by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 616,763 17.32
2 Berkshire Hathaway Insurance 421,538 11.84
3 Farmers Insurance Group 376,782 10.58
4 Progressive Insurance Group 362,952 10.19
5 Allstate Insurance Group 299,661 8.41
6 USAA Group 258,360 7.25
7 Amer Family Insurance Group 220,221 6.18
8 Liberty Mutual Insurance Cos 177,732 4.99
9 Hartford Insurance Group 98,173 2.76
10 CSAA Insurance Group 74,934 2.10
Source: A.M. Best market share rankings are based on direct premiums written in 2013.