Cheap Car Insurance in Arizona

Known as the Grand Canyon State, Arizona is characterized by many wide-open roads, red rock views in Sedona, desert sunsets in Phoenix, and cooler drivers up toward Flagstaff and the Mogollon Rim.  

Driving is a daily part of life here, with daily commutes in the Valley to weekend road trips to the Grand Canyon or downtown Phoenix. If you like art, you can visit the art galleries of Scottsdale, and if you prefer hiking, you can go south toward Tucson and the Sonoran Desert. But you should be careful with the summer heat, monsoon storms, and dust clouds that can turn a normal trip into a tricky one fast. 

Every driver is different. If you’re looking for cheap auto insurance in Arizona, you can rely on the bilingual agents at Acceptance, even if your driving record is not perfect. They can help you compare plans and find a policy that fits your situation and budget. 

How much is car insurance in Arizona? On average, liability auto insurance costs $849 per year, and about $2,644 for full coverage. These approximate costs are very close to the national averages of $820 for minimum coverage and $2,697 per year for full coverage. Unlike other states with lower costs, the Grand Canyon State has higher coverage costs due to fast-growing cities like Phoenix, heavy freeway traffic, severe weather during monsoon season, and rising repair and medical expenses. 

Even so, there are still ways to find cheap auto insurance in Arizona. Your final rate depends on various factors that we will explain throughout this guide, and you can consult an Acceptance insurance agent to save without sacrificing coverage. 

What Is the Average Premium for Cheap Full Coverage Car Insurance in AZ?

On average, drivers pay around $220 per month for full coverage in Arizona. For many people, choosing this type of auto insurance is more reliable since it combines: 

• Liability coverage at or above the state-required car insurance 

• Collision coverage to help repair or replace your vehicle after a crash 

• Comprehensive insurance to help in situations other than crashes, such as theft, vandalism, fire, hail, falling objects, or damage from animals 

Arizona is an at-fault state with a comparative negligence system. This means that if you are the more responsible party in an accident or damage, for example while driving on the I-10 or Loop 101, your liability coverage helps pay the other driver’s injuries and property damage, up to your limits. 

Keep in mind that if you only have the minimum car insurance, your insurer will not pay to fix your own car—that’s where collision and comprehensive coverage matter. Think about a summer monsoon where a sudden downpour and slick roads lead to a multi-car pileup, or a dust storm that causes low visibility and a crash. Full coverage can help you repair or replace your own vehicle after a covered loss, which is especially important if you drive a newer or financed car. 

Average Premium for Minimum Liability Coverage in AZ

The cheapest liability insurance in Arizona is around $70 per month. However, these limits may not be enough to protect you adequately on the road. If you cause an accident, your insurance will pay for the other party’s injuries and damages up to your policy limits. With rising repair and medical costs, you may be left paying some out of pocket. Basic liability also will not cover your own injuries and damages. 

It’s important to consider higher coverage limits and uninsured motorist insurance in Arizona. The Cayon State has a significant number of uninsured drivers, and having this coverage can protect you in case you’re in an accident with an uninsured driver. Spending a bit more each month can save you money and provide peace of mind in the long run. 

How do Insurance Rates Compare Across Arizona’s Major Cities?

Insurance rates in Arizona can differ depending on the city you live in. Some cities are considered riskier due to a higher number of incidents and personal injury lawsuits. This means that your rates will reflect the level of risk associated with your location. Here are the average monthly rates for the top cities in the state:

What are Some Car Insurance Discounts in Arizona?

Saving money on car insurance is always a good idea. Ask your independent insurance agent about any available discounts that you qualify for at least once or twice a year.  

Here are some of the best discounts for car insurance in Arizona: 

Remember to check back with your agent if your circumstances change, such as retiring or starting to work from home. They can help you determine if you qualify for additional savings.  

Understanding Different Types of Auto Insurance Coverage 

• High Risk Auto Insurance in Arizona: Budget-friendly policies designed for drivers with poor driving histories or special requirements such as DUI or SR-22 insurance. 
• Liability Insurance: The most economical auto insurance option that covers injury or property damage you cause to others, typically mandated by law. 
• Non-Owner: Liability coverage for individuals who don’t own a car but drive occasionally. 
• Non-Standard: Insurance for drivers who don’t qualify under standard guidelines due to factors like age or driving record. 
• Senior: Insurance options and discounts specifically created for older drivers’ needs and lifestyles. 
• SR-22 Insurance in Arizona: A proof of insurance requirement often needed after major traffic offenses to demonstrate coverage. 
• Teenager: Coverage options designed for new, young drivers to help keep their insurance costs manageable. 

Is car insurance required in Arizona? In the Canyon State, it’s very important to comply with vehicle coverage laws. Driving without insurance is against the law, so having at least the minimum required liability coverage is necessary. In cases where both parties share fault in an accident, Arizona follows a comparative at-fault rule, assigning different percentages of responsibility.  

It’s worth noting that driving under the influence or without insurance can result in serious penalties, including fines and license suspensions. Stay informed and insured to protect yourself and others on the road! 

What are the Mandatory Vehicle Insurance Requirements in Arizona?

In Arizona, car insurance is mandatory, with minimum coverage requirements set at 25/50/15. This means: 

• $25,000 for bodily injury/death for one person 
• $50,000 for bodily injury/death for two or more people 
• $15,000 for property damage 

Though these low minimums may be affordable, they often do not provide sufficient coverage for typical car accidents in the state. Medical bills for bodily injury can easily exceed $25,000, and there is no protection against uninsured drivers or unexpected incidents such as fallen trees or road debris. To ensure better protection, many drivers choose to add collision and comprehensive coverage, as the benefits often outweigh the cost. 

What Happens if You are Caught Driving Without Insurance in AZ?

Penalties for driving without insurance in Arizona include fines, suspensions of license and registration, and the requirement to obtain SR-22 insurance to regain driving privileges. If caught repeatedly driving without insurance, the fines and suspension periods become more severe. 

• First offense: A fine of $500, a three-month driver’s license and registration suspension, and a two-year requirement of an SR-22 certificate of financial responsibility.
• Second offense: A fine of $750, a six-month driver’s license and registration suspension, and a two-year requirement of an SR-22 certificate of financial responsibility.
• Third offense: A fine of $1,000, a one-year driver’s license and registration suspension, and a two-year requirement of an SR-22 certificate of financial responsibility.

What Factors Does Arizona Law Allow in Determining Your Insurance Premiums?

Am I Required to Report an Accident in Arizona to Authorities?

In Arizona, it is not mandatory to report a motor vehicle accident, but it is strongly recommended that you call 911 once you are in a safe location. The responding law enforcement agency will file a report if certain criteria are met:

• In the event of any injuries or fatalities.
• If there was damage exceeding $1,000.
• If anyone involved received a citation.

It is important that you remain at the scene of the accident until law enforcement arrives. Leaving can have serious consequences, including felony charges and the suspension of your license.

Driving in Arizona can be a unique experience due to varying traffic conditions and weather patterns throughout the state. Phoenix and Tucson are the cities with the most traffic, particularly during weekday rush hours. Additionally, Arizona’s weather can bring challenges on the road, including monsoons with heavy downpours, haboobs (dust storms), and extreme heat in the summer months. That’s why it is crucial to have appropriate car insurance coverage to protect yourself and your vehicle in case of any unexpected events.

How Many Car Accidents Happen in Arizona?

In 2024, there were 121,107 car crashes in Arizona, resulting in 1,228 fatalities. Sadly, 347 of these fatalities were alcohol-related, and 263 pedestrians also lost their lives.  

It’s crucial to stay focused and sober while driving to keep yourself and others safe on the road. Additionally, it’s important to keep in mind that a single accident can affect your insurance premiums and may lead you to require high-risk auto insurance, which comes with much higher costs. 

How Many Drivers in Arizona Are Uninsured or Underinsured?

According to figures from the Insurance Information Institute, in 2023 Arizona ranked 37th among the states with the highest number of uninsured drivers in the USA, with 10.6%. What makes this situation even more concerning is that if you are involved in an accident with an uninsured driver, your minimum liability car insurance will not provide coverage for you. This means that you may be left to deal with the financial consequences of the accident on your own. 

Having a significant number of uninsured drivers on the road increases the risk for everyone. It’s essential to protect yourself by ensuring that you have proper auto insurance coverage. This way, you can have peace of mind knowing that you are financially protected in the event of an accident, even if the other driver doesn’t have insurance. Don’t leave your safety and financial well-being to chance.