Arizona Car Insurance

Compare rates from 15 car insurance companies in Arizona.

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?


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




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

Recent Arizona Car Insurance Questions and Answers

Getting insurance for my RV with a foreign license

Mar 11, 2018

I’m French and touring the Americas with my French RV van. I entered the US but cannot find an insurer ...

Can the police make me file an insurance claim?

Mar 01, 2018

I was rear ended yesterday but the damage wasn’t much its only a little dent on the back do i ...

Do I add my ex wife from my insurance?

Jan 15, 2018

My wife and I are separated but not divorced and I’m not sure if she needs to be on my ...

Short term liability for a rental car

Jan 12, 2018

Where can I purchase short term liability insurance for a rental car? I will be renting a car in Tempe, ...

Driving Laws

Arizona Texting and Driving Laws

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


Per Year in Arizona
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


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

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.


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.

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
  • With your submission, please include your name, address, and phone number.
  • 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.