Best Car Insurance in Arizona

The #1 car insurance company is State Farm because it is the largest auto insurer in the U.S., with a market share of 16%. State Farm insures over 80 million people and offers coverage in all 50 states.

Largest Auto Insurance Companies in America

Together, these 10 companies own more than 70% of the auto insurance market share in the U.S. As a result, it shouldn't come as a surprise that these companies tend to be the best options for most types of drivers.

Best Car Insurance Companies by Category

To learn more, check out WalletHub's guides to the best car insurance and the largest auto insurers.

In Arizona, drivers need $25,000 of bodily injury liability insurance per person, up to $50,000 per accident, and $15,000 of property damage liability insurance. Arizona does not require uninsured motorist protection, which replaces the liability coverage an at-fault driver should've had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and both are optional in Arizona.

Here's How Much Car Insurance Drivers Need in Arizona:

If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Arizona law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.

Even if you're not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Arizona to make sure you're paying for the coverage you need.

Car insurance in Arizona costs $55 monthly ($661 per year) for minimum coverage, on average, and around $149 per month ($1,787 annually) for a full-coverage policy. The cheapest insurance companies in Arizona are Noblr Reciprocal, Root Insurance, and Safeco, but insurers calculate premiums differently, so it's a good idea to get quotes from more companies to find the best deal.

Average Cost of Car Insurance in Arizona by Category 

• Clean driving record: $56 per month
• After an at-fault accident: $85 per month
• Driver with poor credit: $94 per month
• Teen driver: $235 per month
• After a DUI: $96 per month

The average cost of car insurance in Arizona is 8% lower than  the national average auto insurance premium, and Arizona ranks 27 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you'll pay for car insurance in Arizona, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. 

Finally, it's worth noting that car insurance premiums in Arizona are average, compared to the cost of coverage in neighboring states like Utah and New Mexico. You can find more details in the table below. 

Cost of Car Insurance in Arizona vs. Neighboring States

In Arizona, you need $25,000 in bodily injury liability insurance per person ($50,000 per accident) plus $15,000 in property damage liability insurance to drive legally. These liability insurance requirements can also be written as 25/50/15.

Even though Arizona only requires 25/50/15 in liability insurance, drivers should consider buying more coverage if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference. And no matter what, you should be sure to fulfill the minimum Arizona car insurance requirements to avoid facing consequences for driving without insurance.

Finally, drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, collision insurance covers damage to the policyholder's car regardless of fault. And comprehensive insurance pays if the policyholder's vehicle is damaged by something besides an accident, like a natural disaster or vandalism.

Full coverage insurance in Arizona costs an average of $149 per month ($1,787 annually). A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Arizona law. In Arizona, liability insurance is mandatory for all drivers.

Monthly Cost of Full Coverage Insurance in Arizona

Note: Premiums are for a 45-year-old good driver in Arizona; individual premiums will vary.

How to Get Cheaper Full Coverage Insurance in Arizona

1. Compare quotes from several companies to make sure you're getting the best deal.
2. Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
3. Don't forget to make sure you're getting all the discounts you can.

To learn more, check out WalletHub's guide to full coverage car insurance.