Arizona Car Insurance

Compare rates from 17 car insurance companies in Arizona.

Your information is secure.

Here's what you need to know when driving in Arizona

Across the Grand Canyon State, there are 131,356 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Arizona

In Arizona, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $15,000 per person
  • Bodily Injury $30,000 per accident
  • Property Damage $10,000 per accident
Optional coverage in Arizona (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

Liability coverage is legally required in Arizona and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Arizona, the minimum is listed as 15/30/10 and explained below:

$15,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$30,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Arizona but higher coverage amounts are available with most companies.

Top Arizona Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Arizona?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Arizona you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Arizona?

Uninsured Drivers in Arizona
Arizona

11%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Arizona cities?

Rank City Avg. Annual Premium
1 Phoenix $1,243
2 Glendale $1,202
3 Avondale $1,198
4 San Tan Valley $1,173
5 Scottsdale $1,140
6 Mesa $1,136
7 Buckeye $1,133
8 Gilbert $1,131
9 Tempe $1,129
10 Peoria $1,115
11 Goodyear $1,109
12 Chandler $1,104
13 Maricopa $1,096
14 Tucson $1,083
15 Surprise $1,069
16 Casa Grande $1,068
17 Casas Adobes $1,061
18 Catalina Foothills $1,061
19 Oro Valley $1,041
20 Yuma $973
21 Flagstaff $950
22 Prescott $933
23 Bullhead City $887
24 Sierra Vista $881
25 Lake Havasu City $861

More questions?

Check out other FAQs and ask your own Arizona car insurance questions here.
Driving Laws

Arizona Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
Alcohol Related Fatalities

227

Per Year in Arizona
Annual DUI Arrests
Arizona
39,746
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Arizona!

Whoa! Arizona is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Arizona might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Arizona?
Rank Company Name Avg. Annual Premium
1 The Hartford $536
2 Safeco $561
3 Auto-Owners $906
4 Travelers $1,097
5 USAA $1,102
6 Progressive $1,141
7 GEICO $1,154
8 Ameriprise Group $1,196
9 CSAA $1,201
10 Allied $1,221
11 Farm Bureau Mutual $1,272
12 Safe Auto $1,310
13 Unitrin $1,330
14 State Farm $1,350
15 Farmers $1,364
16 Titan $1,447
17 American Family $1,449
18 Amica $1,458
19 MetLife $1,536
20 Cal Casualty $1,537
21 Safeway $1,586
22 21st Century $1,631
23 Mercury $1,637
24 Country $1,837
25 Nationwide $2,008
26 Encompass $2,084
27 Allstate $2,170
28 Liberty Mutual $2,213
Additional Resources:

Arizona Car Insurance

How to Protect Yourself and Your Home Against Wildfires
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017

Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...

Driverless Car Report Card: Who Should Get Top Grades?
Driverless Car Report Card: Who Should Get Top Grades?
Apr 24, 2017

The big-name tech companies and auto manufacturers that we know are developing driverless cars have kept many details about their...

Everything You Need to Know about Buying a Car from Walmart
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017

Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

4 Fall Foliage Road Trips You’ll Love
4 Fall Foliage Road Trips You’ll Love
Sep 30, 2016

Though summer fun might be behind us, there’s a lot to look forward to this autumn: the famous latte with...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

Answering Every FAQ About Driverless Cars
Answering Every FAQ About Driverless Cars
Jul 27, 2016

Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...

You Might Need a Helmet to ‘Spring Forward’
You Might Need a Helmet to ‘Spring Forward’
Mar 12, 2016

In March, Daylight Saving Time (DST) begins, and we’ll all “spring forward,” like it or not (that is, all of...

The Latest on Marijuana & Driving
The Latest on Marijuana & Driving
Jan 13, 2016

Marijuana legalization is gradually taking root throughout the U.S. as more states loosen restrictions on the formerly outlawed substance. Now,...

Ridesharing Hacks: How to Uber at the Airport
Ridesharing Hacks: How to Uber at the Airport
Dec 10, 2015

Arriving at the airport: one part excitement, one part did-I-remember-everything jitters, and five parts how-do-I-get-to-my-final-destination hassle (if you travel frequently,...

Self-Driving Cars vs. Cyclists: What Does the Future Look Like?
Self-Driving Cars vs. Cyclists: What Does the Future Look Like?
Sep 16, 2015

Self-driving cars vs. Cyclists: Are we making improvements? Google’s self-driving cars are some of the most visible and well-known (and...

Uber for Senior Citizens
Uber for Senior Citizens
Sep 01, 2015

Not content to remain a taxi for hire service, Uber has been expanding their reach—from UberPOOL to UberEats, with lots...

Will 3-D Printed Cars Kill Jobs?
Will 3-D Printed Cars Kill Jobs?
Jul 14, 2015

Organs. Weapons. The sheer breadth of stuff capable of being 3-D printed at this point is pretty dumbfounding. Another to...

Auto Repair: How to Choose a Mechanic
Auto Repair: How to Choose a Mechanic
Jun 04, 2015

Finding a repair shop and mechanic you trust to both fix your car well and not take you for a...

The Rise of Van Life
The Rise of Van Life
Apr 08, 2015

You wake up to the whispering of the wind and the chirping of birds. You look out your window to...

Self-Driving Car Crosses USA
Self-Driving Car Crosses USA
Mar 23, 2015

You come to a four-way stop at the same time as a car to your left. You have the right...

Arizona Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Arizona area, while also getting an insider view of the Grand Canyon State.

Click here to learn more.

Prompt

So, Arizona students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.