Arizona Auto Insurance

Auto insurance in Arizona

Arizona drivers pay an average of $1565 a year for full-coverage auto insurance. Arizona rates run slightly above the national average. Phoenix metro rates are higher than rural rates, and the state has high uninsured driver rates.

For drivers looking for the cheapest auto insurance in Arizona, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

Arizona minimum coverage requirements

Arizona requires drivers to carry at minimum 25/50/15 liability in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in Arizona

GEICO and Progressive are consistently competitive in Arizona. State Farm has the largest agent presence. USAA leads in customer satisfaction for military families. For drivers in the Phoenix metro, comparing carriers can save 20-40%.

Get quotes from at least three carriers — the cheapest carrier for one Arizona driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.