120+ more*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Coverage | Minimum Requirement in Arizona |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $15,000 |
Arizona has had the same minimum car insurance requirements since mid-2020. Before that point, it had slightly lower minimums: $15,000/$30,000 required for bodily injury liability and just $10,000 for property damage liability.[1] The state’s current minimums are on par with many other U.S. states.
Arizona drivers must carry at least $25,000 in bodily injury liability coverage per person and $50,000 per accident. This means that in an accident, insurance could cover the other driver’s injuries and hospital bills up to $25,000. If two or more passengers were injured, it would cover up to $50,000 in total.
This is a pretty standard requirement, with other similarly populated states like Washington, Tennessee, and Massachusetts requiring the same amount of coverage.
Arizona requires at least $15,000 in property damage liability. Insurance will cover up to $15,000 to repair the other driver’s vehicle or any other damaged property if you’re in a wreck. This is on the low end compared to other similarly populated states, such as Virginia, Massachusetts, and Tennessee, all of which require more.
Liability policies average $90/mo.
Having only Arizona’s minimum coverage may be sufficient for some drivers, but not for all. The exact amount of coverage you need depends on your risk factors, driving record, location, vehicle, and more. Your auto lender or leasing company may also require additional insurance coverage.
Talk to an insurance agent about your personal needs and risks as a driver. They can help you determine the appropriate amount of car insurance coverage.
Driver Type | Insurance Coverage |
|---|---|
| Leased or financed car | May need additional coverages beyond state minimums |
| High risk of accidents, frequent driver, or located in an accident-prone area | May need additional coverages beyond state minimums |
| Own your car and are at low risk of accident | State minimums may suffice |
| New car | May need additional coverages beyond state minimums |
Arizona legally requires only liability insurance, but you may need to meet other requirements depending on your situation.
For example, if you opt for uninsured/underinsured motorist (UM/UIM) coverage, the state does mandate how much you must carry. You’ll need at least $25,000 per person and $50,000 per accident, according to Arizona law.
If you’re an Arizona driver with a leased or financed car, you’ll also likely have additional insurance requirements. These don’t come from the state itself, but most lenders and leasing companies require a full-coverage policy, which includes comprehensive and collision insurance. This covers the cost of damage to your vehicle in an accident or other scenarios.
Arizona drivers pay an average of $90 per month for state-minimum car insurance coverage and nearly twice that for full-coverage insurance. Since the state requires only liability insurance — and not coverage like medical payments, UM/UIM, or personal injury protection, as others do — these costs are fairly low, comparatively speaking.
But they do mean that Arizona drivers may face higher out-of-pocket costs in the event of an accident.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $48 |
| Just Pay-Per-Mile | $49 |
| Mile Auto | $58 |
| State Farm | $60 |
| Progressive | $63 |
| Sun Coast | $63 |
| Aspire General | $67 |
| Certainly | $67 |
| Novo Flex | $67 |
| USAA | $67 |
| Novo Next | $71 |
| Mercury | $73 |
| The General | $73 |
| Novo | $77 |
| Allstate | $81 |
| GEICO | $82 |
| Just Unlimited | $82 |
| Safeco | $83 |
| Hiroad | $84 |
| Direct Auto | $86 |
| Bristol West | $87 |
| National General | $89 |
| Dairyland | $92 |
| Clearcover | $96 |
| AssuranceAmerica | $97 |
| Trexis | $97 |
| Commonwealth Casualty | $98 |
| GAINSCO | $98 |
| Travelers | $103 |
| Covercube | $110 |
| Mendota | $112 |
| Insurify Car | $114 |
| Country Financial | $116 |
| First Acceptance | $116 |
| American Family | $117 |
| The Hartford | $120 |
| Farmers | $121 |
| Root | $137 |
| Liberty Mutual | $138 |
| Hugo | $139 |
If you’re having a hard time finding car insurance, the state offers the Arizona Automobile Insurance Plan, which provides coverage for certain high-risk drivers who can’t find car insurance elsewhere. This is a pooled-risk plan in which several insurance companies participate.[2] You can get more info at AIPSO.com.
Since Arizona allows insurers to use credit information in pricing, improving your credit may help you secure more insurance options. Insurers also look at your payment history, length of credit history, credit inquiries, installment accounts, and actions such as bankruptcies, collections, and foreclosures.
The penalties for driving without car insurance in Arizona vary depending on how many times the violation occurs.
Here’s how the penalties break down:[3]
First violation: Drivers will pay a minimum $500 fee and have their license suspended for three months.
Second violation (within a 36-month period): The fee rises to at least $750, and the license suspension jumps to six months.
Third violation (within a 36-month period): The fee increases to $1,000, and the driver’s license will be suspended for a full year.
For a driver to have their license reinstated after suspension, they must provide proof of insurance, vehicle registration, and valid license plates.
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Though Arizona only requires liability insurance, you might want to consider additional coverages for broader financial protection. These include:
Uninsured/underinsured motorist coverage: This pays for damages if you’re in an accident with an uninsured driver or one without adequate coverage for the damages caused.
Comprehensive coverage: This coverage pays for damages caused by disasters, such as floods, as well as by hail, animals, vandalism, theft, falling objects, and more.
Collision coverage: Collision insurance covers damage to your car due to an accident, a pothole, hitting a static object (like a telephone pole), or flipping over.
Medical payments coverage: This covers medical expenses and funeral costs. Data from the research organization KFF shows that just one day in an Arizona hospital costs over $3,400 — more than the national average.
Gap coverage: If you have a leased or financed car, gap insurance covers the cost difference between your insurance policy limits and what you still owe on your car’s loan or lease if it’s totaled.
Based on your location, driving habits, and other factors, you may want other coverages as well. Talk to an independent insurance agent if you need help.
Car insurance can be a complicated topic. Below, you’ll find more info to help you better understand car insurance requirements in Arizona.
The state of Arizona requires drivers to have at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability coverage.
Yes, you can get car insurance if you don’t have a driver’s license. But it’s illegal to operate a vehicle without a valid license. Driving on a suspended license could result in a Class 1 misdemeanor charge, per Arizona state law.
Yes. Someone can drive your car in Arizona if they’re not specifically named on your insurance policy. As long as you give them permission, it’s considered “permissive use,” and they’re covered under your policy while driving your vehicle.
Yes. In Arizona, you can get full glass/safety equipment coverage on your vehicle. This pays for the full repair or replacement of all glass used in your windshield, windows, doors, and lights, without a deductible charge.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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