Arizona car insurance

Q: What's the average cost of car insurance in Arizona?

According to the Insurance Information Institute , Arizona ranked 17th-highest for average expenditure on auto insurance in 2018. However, rates can vary based on many factors, including your driving history and ZIP code and the limits and coverages you choose. Discover what else can impact the cost of car insurance .

Whether you're navigating the congested roadways of downtown Phoenix or taking a leisurely drive along the breathtaking Grand Canyon, make sure you have the right car insurance in Arizona. We'll break down Arizona auto insurance coverages and what discounts you may be able to earn.

3 min to read

Is car insurance required in Arizona?

Yes. Arizona minimum car insurance requirements include liability coverage limits of at least:

$25,000 in bodily injury per person
$50,000 in total bodily injury per accident
$15,000 in property damage per accident

Bear in mind that these are the minimum limits required in Arizona. You don't want to gamble when it comes to protecting your assets, so be sure to choose the right auto liability limits before hitting the open road.

Consider comprehensive and collision coverage

Most lenders in the state require comprehensive car insurance coverage and car collision coverage. But even if you're not required to have them, you may want to add these coverages based on your vehicle's value. These coverages pay for the repair or replacement of your car if it's damaged in a crash, gets stolen, or damaged in any other type of covered accident. Learn more about car insurance coverages.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^* Get a car insurance quote today.

What's the average cost of car insurance in Arizona?

According to the Insurance Information Institute, Arizona ranked 17th-highest for average expenditure on auto insurance in 2018. However, rates can vary based on many factors, including your driving history and ZIP code and the limits and coverages you choose. Discover what else can impact the cost of car insurance.

Can discounts get me cheaper car insurance in Arizona?

Of course! Here are just some of the discounts you can get with Progressive:

Multi-policy
Homeowner
Five-year accident-free
Online quote
Multi-car
Paid in full
Paperless

Save money while protecting your most valuable assets by bundling your car and home insurance in Arizona. In fact, Arizona residents can save when they bundle two or more policies through Progressive, including auto, home, renters, RV, and motorcycle insurance.

See all auto insurance discounts.

Pro tip:

Progressive's Snapshot^® program personalizes your rate based on your driving habits. The safer you drive, the more you'll save. See more on Snapshot.

Facts and figures about driving in Arizona

If you ever encounter a dust storm while driving, you should pull off the roadway as soon as you can and wait for the storm to pass while following the Arizona Department of Transportation safety tips.
In 2018, Arizona ranked 10th for states with the most aggressive drivers.
Over 11% of Arizona drivers were uninsured in 2019. Uninsured motorist coverage can pay for damage caused to your vehicle from an uninsured driver.