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Car Insurance in Arizona: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Arizona drivers pay about $2,644 a year for full coverage — close to the national average. Arizona is an at-fault state with a 25/50/15 liability minimum, and insurers can use credit history in pricing. Here's the coverage you must carry, what Arizonans pay, and how to find a cheaper rate.
Avg. full coverage
$2,644/yr
≈2% below U.S. avg.
Avg. minimum coverage
$849/yr
≈1% above U.S. avg.
State minimum
25/50/15
Liability only required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−2%
Right around average
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Minimum coverage required in Arizona
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $15k | Required |
| Uninsured motorist | Optional | Offered; can be declined |
| Personal injury protection | Not required | Arizona is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Arizona premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,644/yr | 2% below U.S. | Comp + collision included |
| Minimum coverage | $849/yr | 1% above U.S. | 25/50/15 liability only |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Arizona estimated rates by driver profile (2026)
Estimates anchor each profile to Arizona's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,644/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,781/yr | +43% | 2,644 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$3,279/yr | +24% | 2,644 × 1.24 (Bankrate avg) |
| DUI on record | ~$4,971/yr | +88% | 2,644 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$5,288/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$4,495/yr | +70% | 2,644 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Arizona: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums sit just below the national average
- ✓Large, competitive market with many carriers and discounts
- ✓No mandatory PIP/UM add-ons keeps minimum policies inexpensive
- ✓Mild winters mean fewer weather-related claims in much of the state
Works against you
- ✗Credit history is a permitted rating factor
- ✗Phoenix and Tucson traffic density pushes urban rates above average
- ✗Low 25/50/15 minimum leaves significant at-fault gaps
- ✗Extreme summer heat and sun exposure can raise comprehensive claims
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A closer look at car insurance in Arizona
Arizona lands close to the national average, but the spread between drivers is wide: a clean-record suburban driver pays far less than a Phoenix driver with a ticket or weak credit. The 25/50/15 minimum is on the low side, so adding higher liability limits plus collision and comprehensive is wise for most drivers. With credit and ZIP code driving big differences between carriers, shopping around is the most effective lever.
Bottom line
Arizona is an average-cost state with a low legal minimum. Comparing several carriers and keeping credit healthy is the best route to a competitive Arizona rate with adequate protection.
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Frequently asked questions about Arizona car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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