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 state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Arizona Car Insurance Rates by ZIP Code & City
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
Arizona's required liability insurance limits are comparatively low. Bodily injury liability of only $15,000 per person and $30,000 for all persons harmed in one accident, plus $10,000 in property damage liability, means that your limits could be quickly exhausted without even being in a major accident.
Failure to carry auto insurance: Insurance companies must notify the state's Motor Vehicle Division when an individual starts a new auto insurance policy, cancels or non-renews. If the state finds you aren't carrying at least the minimum Arizona auto insurance limits on your vehicle, your vehicle registration and driver's license may be suspended. To reinstate these items you'll owe fees. You will also be required to file (for three years from the date of suspension) future proof of financial responsibility via a SR-22 form.
De-insurance: If you are taking a vehicle off of the road for a bit, apply for a De-Insured Certificate. De-insurance allows you to temporarily take the state-required insurance off a vehicle until it is ready to be driven again.
Electronic proof of insurance: Arizona allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.
Why comprehensive coverage is valuable in Arizona
Carrying comprehensive coverage on your automobile will be important if you are worried about damage resulting from Arizona's dust devils, monsoon rains or wildfires.
Comprehensive car insurance also covers you if your car is stolen. With Arizona's close proximity to Mexico (there are seven ports of entry along the 354-mile Arizona/Mexico border) and dry, moderate climate (that allows cars to remain rust-free and maintain higher values) the Arizona Insurance Council notes that vehicle theft can be a problem in this state.
Largest car insurance companies in Arizona by market share
Company / Group
Direct Premiums Written ($)
Market Share (%)
State Farm Group
Berkshire Hathaway Insurance
Farmers Insurance Group
Progressive Insurance Group
Allstate Insurance Group
Amer Family Insurance Group
Liberty Mutual Insurance Cos
Hartford Insurance Group
CSAA Insurance Group
Source: A.M. Best market share rankings are based on direct premiums written in 2013.