Compare Arizona Car Insurance Rates [2023]
Arizona car insurance minimum liability requirements are 15/30/10 for bodily injury and property protection. Average Arizona car insurance rates are $972.84/yr or $81.07/mo.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Arizona Statistics Summary | Details |
---|---|
Road Miles in State | 65,593 |
Number of Vehicles Registered | 5,407,097 |
Population | 7,171,676 |
Most popular vehicle | Ford F-150 |
Uninsured % | 12% |
Total Driving Related Deaths | Speeding: 3,032 Drunk Driving: 673 |
Full Coverage Annual Premiums | Liability: $508.76 Collision: $277.96 Comprehensive: $186.12 |
Cheapest Providers | Geico and Travelers |
Arizona, also known as “The Grand Canyon State,” ranks 14th in the United States in terms of total population. Recent statistics, as of 2017, show that 5,164,966 people are licensed drivers in the state of Arizona. That amounts to almost 75 percent of the state. And with 75 percent of the state licensed and driving in Arizona, it stands to reason that car insurance is a topic that you are either thinking about or that is on your mind.
But where do you begin? With so many choices out there, it may be hard to know where to start.
Look no further! We are here to help. You can trust us because we don’t try to sell you anything. A good start is to know the requirements in your state and what your options are. And you will love us because we’ve done all the heavy lifting and all the research for you!
You may already know comparing car insurance rates is a great way to save money on your insurance premium! Start today by entering your ZIP code.
Here’s what we cover in this article:
- Arizona Car Insurance Coverage and Rates
- Arizona Car Insurance Companies
- Laws in Arizona
- Facts You Need To Know
What are Arizona car insurance coverage and average rates?
If you love towns with the charm of the “How The West Was Won” culture (think the town of Tombstone, site of the O.K. Corral), and places with some of the best Mexican food, Arizona might be the best place for you to live. But as horses are no longer the preferred method of transportation in Arizona, do you know what it costs to own and operate a vehicle in Arizona?
Minimum Car Insurance Requirements in Arizona
Type of Coverage | Coverage Amount |
---|---|
Bodily Injury Liability | Minimum $15,000 per person and $30,000 per accident |
Property Damage Liability | Minimum $10,000 |
Uninsured Motorist Bodily Injury | Minimum $15,000 per person and $30,000 per accident |
Uninsured Motorist Property Damage | Minimum $10,000 |
While Arizona ranks about middle of the road for uninsured drivers — at 24th in the United States and about 12 percent of Arizona motorists uninsured — it’s important to know that you need, at the minimum, liability insurance.
We can see how the minimum costs for car insurance in Arizona compare to the rest of the U.S..
Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc. — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.
Arizona is an “at-fault” accident state. This means, if you are in an accident and it’s your fault, you are responsible for any personal injury or property claims.
The type of liability insurance required in Arizona involves both bodily injury and property damage. The minimum amount you are required to carry in Arizona if you are at-fault in an accident is as follows:
- $15,000 – to cover injury or death per person.
- $30,000 – to cover total injuries or death per person.
- $10,000 – to cover property damage per accident.
Remember, these amounts are minimum requirements. There are additional coverage options you can add to your insurance policy (which we will talk about later).
Your liability coverage kicks in no matter who is driving your car, and also if you are driving a rental vehicle.
What are the required forms of financial responsibility in Arizona?
Arizona law requires every driver and every owner of a vehicle to have proof of financial responsibility (proof of liability coverage) at all times.
Here are the four forms of acceptable proof of vehicle liability insurance coverage in Arizona:
- Liability insurance policy
- A bond worth $40,000.
- Certificate of deposit worth $40,000.
- $40,000 in cash.
Every time a motorist operates a vehicle, he or she is required to have — on hand — one of the above four forms proving financial responsibility.
Arizona can cancel your insurance for the following reasons:
- Reckless driving.
- Non-payment of your premium.
- The insurance was obtained through fraudulent misrepresentation.
- Your driver’s license is suspended or revoked.
- Permanently disabled and no certificate from a physician testifying to your ability to operate an auto.
- Convicted of criminal negligence arising out of the operation of your vehicle.
- Operating your vehicle while intoxicated under the influence of drugs.
- Leaving the scene of an accident.
- Making false statements on your driver’s license application.
- The insurer is placed in rehabilitation or receivership.
- A private passenger auto is used regularly and frequently for commercial purposes.
- If continuation of the policy is in violation of the laws of Arizona.
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How much are premiums as percentage of income in Arizona?
In 2017, the annual per capita disposable personal income in Arizona was $34,321.
Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.
The average annual cost of car insurance in Georgia is $961, which is about 3 percent of the average disposable personal income.
The average Arizona resident has $2,806 each month to spend on the necessities. The car insurance bill alone will deduct close to $100 out of that — and even more than that with a less-than-perfect driving record.
American Consumer Credit Counseling suggests saving 20 percent of every paycheck. With Arizona’s DPI, that’s a whopping $561 each month!
How much are you putting aside for savings? You can calculate the percentage of income to set aside using the calculator below.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.