Cheap Car Insurance in Arizona
By clicking Start Quote, I agree to the Privacy Policy and
More Than 200 Companies, All in One Place.
Affordable Arizona Car Insurance That Fits Your Driving Needs
Finding cheap car insurance in Arizona isn’t just about meeting legal requirements — it’s about getting coverage that actually works for how you drive. Arizona drivers spend a lot of time on the road, whether that’s long daily commutes across spread-out cities, heavy freeway traffic in metro areas, or routine highway driving between towns. Add extreme heat, dust storms, and high-speed travel into the mix, and the risk of accidents and insurance claims increases
Because auto insurance is mandatory in Arizona, every driver needs coverage. But that doesn’t mean you need to overpay or settle for a one-size-fits-all policy. The right affordable auto insurance should protect you financially, fit your driving habits, and stay within your budget — especially when repair costs and medical bills continue to rise.
Freeway Insurance helps drivers compare options from multiple carriers to find policies that meet Arizona car insurance requirements while keeping costs manageable. Whether you’re looking for minimum liability, full coverage for a financed vehicle, or specialized coverage like SR-22 insurance, working with an independent agent makes it easier to find coverage that fits your needs — without the guesswork.
Quick Facts
- Arizona has nearly 6 million licensed drivers, contributing to heavy traffic and congestion in metro areas.
- The state reports over 120,000 car accidents each year, based on the latest available data.
- Arizona averages hundreds of traffic crashes each day due to daily commuting, highway travel, and congestion in metro areas.
- Environmental and driving factors — including extreme heat, dust storms, and long highway distances — contribute to vehicle wear, breakdowns, and insurance claims.
These factors all play a role in how insurers calculate car insurance rates in Arizona, especially in densely populated or high-traffic areas.
Average Auto Insurance Prices in Arizona
The average car insurance cost in Arizona comes in slightly below the national average, putting the state right in the mid-range nationally for auto insurance pricing. But what you pay can look very different from your neighbor’s bill. Your driving record, where you live, what you drive, and how much coverage you choose all factor into your final rate. It’s also why full coverage Arizona rates cost more than liability-only insurance in Arizona — more protection means a higher premium.
Arizona’s roads add their own twist to pricing. Extreme heat and dust storms can damage vehicles and increase repair claims, while heavy urban congestion raises the odds of fender-benders and freeway accidents. Add in a higher-than-average number of uninsured drivers, and insurers price in extra risk. The good news? Because these factors don’t affect everyone the same way, comparing personalized quotes is often the easiest way to find coverage that keeps both your wallet and your car protected.
Full Coverage Insurance Costs vs. Liability in Arizona
Choosing between full coverage and state minimum insurance in Arizona is really about how much protection you want if something unexpected happens. Your car’s value, how often you drive, and your comfort level with financial risk all come into play. Since Arizona follows a fault-based system, the coverage you carry can directly impact how much you’ll pay out of pocket after an accident.
| Coverage Type | Average Monthly Cost |
|---|---|
| Full Coverage | $220 |
| Minimum Liability | $75 |
These statewide averages are meant to give you a general idea of pricing. Your actual premium can be higher or lower depending on where you live, your driving history, the vehicle you drive, and other personal factors.
Full Coverage in Arizona
Full coverage is built to protect more than just other drivers — it also helps protect your own vehicle. This type of policy combines liability coverage, which pays for injuries or property damage you cause, with collision coverage, which helps cover repairs to your car after an accident, and comprehensive coverage, which protects against non-collision losses like theft, fire, hail, flooding, vandalism, or falling objects.
Because full coverage protects the vehicle itself, it’s usually the preferred option for newer or higher-value cars. If your vehicle is financed or leased, your lender will almost always require you to carry full coverage until the loan or lease is paid off.
Minimum Liability in Arizona
Minimum liability insurance is the bare-bones option for Arizona drivers who want to meet legal requirements at the lowest possible cost. This type of policy focuses only on covering injuries or property damage you cause to others when you’re at fault.
What it doesn’t do is just as important — minimum liability coverage does not pay for repairs to your own vehicle and doesn’t protect against common Arizona risks like weather damage or theft. If an accident is severe or involves multiple vehicles, costs can quickly exceed policy limits, leaving you responsible for the rest.
Because of these limitations, minimum liability insurance is most often chosen by drivers with older, fully paid-off vehicles or those who need the lowest possible monthly premium and are comfortable taking on more financial risk.
Average Car Insurance Rates in Arizona Cities
Car insurance rates by city vary based on traffic volume, population density, accident frequency, and local claims history. Drivers in larger metro areas generally pay more, while smaller or less congested cities tend to see lower average premiums.
Below are average monthly car insurance costs in major Arizona cities for both full coverage and state minimum liability coverage:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Phoenix | $235 | $75 |
| Tucson | $210 | $68 |
| Flagstaff | $185 | $60 |
| Glendale | $230 | $73 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Why rates differ by city:
- Phoenix: Heavy congestion and higher claims frequency
- Tucson: Dense populations and consistent commuter traffic
- Flagstaff: Lower population density, but added weather-related risks
- Glendale: High traffic volume near major freeways and increased claims activity
These figures reflect typical monthly averages and are meant for comparison only. Actual rates depend on your driving record, vehicle, coverage level, and other personal factors.
Are There Car Insurance Discounts in Arizona?
Yes — many Arizona drivers qualify for car insurance discounts that can significantly lower monthly premiums. Because discounts vary by insurer, the biggest savings often come from finding a policy that matches both your driving habits and eligibility profile.
Common Arizona auto insurance discounts include:
- Good driver discount: Earn lower premiums by maintaining a clean driving record.
- Multi-policy discount: Save more by bundling auto insurance with renters or homeowners coverage.
- Low-mileage discount: Pay less if you drive fewer miles or work remotely.
- Vehicle safety discount: Get rewarded for cars equipped with features like anti-lock brakes, airbags, or anti-theft systems.
- Paid-in-full discount: Reduce your total cost by paying your premium upfront.
- Defensive driving discount: Lower your rate by completing an approved driving course.
Because not all insurers offer the same discounts, shopping around matters.
Compare quotes from multiple insurers to unlock every discount you may qualify for and lower your monthly premium.
Getting a Free Auto Insurance quote with Freeway is easy!
Arizona Auto Insurance Legal Requirements
Arizona is an at-fault state, meaning the driver who causes an accident is responsible for paying for injuries and property damage. To legally drive, all motorists must carry state-required auto insurance in Arizona that meets minimum coverage limits.
Arizona minimum insurance requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
These minimums apply to every registered vehicle in the state and are designed to cover damage or injuries you cause to others.
Here’s what each coverage type means:
- Bodily Injury Liability: Helps pay for medical expenses, lost wages, and related costs for people injured in an accident you cause.
- Property Damage Liability: Helps pay for repairs to another person’s vehicle or property when you’re at fault.
While these limits satisfy legal requirements, they may not provide enough protection in a serious accident. Medical bills and vehicle repair costs can quickly exceed minimum limits, especially when multiple vehicles or injuries are involved. That’s why many drivers choose higher coverage limits to reduce the risk of paying significant expenses out of pocket.
Arizona Consequences for Driving Without Insurance
Driving without insurance can quickly lead to serious financial and legal trouble. Because Arizona is an at-fault state, an uninsured driver is personally responsible for paying all accident-related costs, including medical bills, vehicle repairs, and property damage. On top of that, the state imposes penalties that can make it difficult and expensive to legally get back on the road. In short, no insurance can mean major out-of-pocket expenses plus long-lasting legal consequences.
For a first offense, drivers face a $500 fine along with a three-month suspension of both their driver’s license and vehicle registration. To regain driving privileges, reinstatement fees must be paid and proof of active insurance is required. A second offense increases the fine to $750 and extends the license and registration suspension to six months, with higher reinstatement costs. A third offense carries a $1,000 fine and a one-year suspension, making it even more difficult and expensive to legally drive again.
In all cases, drivers are required to carry an SR-22, which is a certificate filed by an insurance company with the state to prove the driver maintains the required coverage after a serious violation. This requirement typically lasts for two years and often results in higher insurance costs during that time. For most drivers, maintaining continuous insurance coverage is far less costly than dealing with fines, suspensions, reinstatement fees, and long-term high-risk insurance requirements.
Elements That Influence Auto Insurance Costs in Arizona
Several factors influence how much drivers pay for car insurance, including:
- Driving record: Tickets, accidents, and past claims can increase premiums.
- Age and driving experience: Younger or less experienced drivers typically pay more.
- Location: Areas with heavier traffic or higher claim activity often cost more to insure.
- Vehicle type: Repair costs, safety features, and theft risk all matter.
- Mileage and commute length: More time on the road increases exposure to risk.
- Coverage choices: Higher limits and full coverage raise premiums.
- Insurance history: Gaps in coverage can lead to higher rates.
Because these factors affect every driver differently, rates can vary widely even within the same city. That’s why comparing personalized quotes is the most reliable way to find coverage that fits both your driving habits and your budget.
Find an office near you to help with your auto insurance
How Many Car Accidents Happen in Arizona?
According to the most recent data from the Arizona Department of Transportation (ADOT) Crash Facts report, Arizona continues to record a high number of motor vehicle crashes each year. In 2024, ADOT reported 121,107 reported crashes statewide, which averages out to roughly about 332 reported crashes per day across city streets, highways, and rural roads.
Of these reported collisions, a significant portion involve injuries. The 2024 crash summary indicates there were approximately 37,376 injury-related crashes, reflecting the frequency with which collisions result in people being hurt and subsequent insurance claims.
Crash totals vary by region, with more populated areas and busy travel corridors typically showing the highest collision counts due to greater traffic volumes and vehicle miles traveled.
Reported Motor Vehicle Accidents by Major Areas (Latest Available Reporting):
| Location | Number of Accidents (Annual) |
|---|---|
| Phoenix | 37,472 |
| Tucson | 9,342 |
| Mesa | 8,659 |
| Glendale | 5,211 |
| Chandler | 4,386 |
| Scottsdale | 4,222 |
| Tempe | 6,690 |
Figures shown reflect the most recent local crash reporting available from ADOT.
How Many Uninsured/Underinsured Motorists are in Arizona?
According to the Insurance Research Council (IRC) and Insurance Information Institute (III) data for 2023, approximately 10.6% of drivers in Arizona are uninsured, meaning these motorists may lack the liability coverage needed to fully pay for damages after a collision.
A higher uninsured motorist rate increases the potential for claim complications and out-of-pocket financial exposure when an at-fault driver does not have adequate coverage. In such situations, injured parties may have to rely on their own policy’s uninsured/underinsured motorist (UM/UIM) coverage — if purchased — to help cover eligible expenses.
Because Arizona’s minimum liability insurance requirements may not fully protect drivers in crashes involving uninsured or underinsured motorists, many drivers choose UM/UIM coverage to help address gaps and reduce their financial risk.
FAQs About Arizona Car Insurance
I am a Low-Income Driver. What Can I Do About Getting the Cheapest Car Insurance in Arizona?
If you’re trying to keep costs low, focus on choices that reduce risk and monthly premiums. Driving a vehicle that’s inexpensive to repair, maintaining continuous insurance coverage, and asking about available discounts can all help. Raising your deductible can also lower your monthly payment, as long as you’re comfortable covering more out of pocket if you file a claim. Comparing quotes from multiple insurers is especially important, since prices can vary widely for the same level of coverage.
Can an Undocumented Worker Get Cheap Car Insurance in Arizona?
To purchase auto insurance in Arizona, drivers must meet the state’s licensing requirements. Arizona only issues standard driver’s licenses to individuals who can provide documentation recognized by the state. Because insurance policies are tied to a valid driver’s license, eligibility depends on whether the driver can legally obtain one under current Arizona law.
Is it Possible to Get Low-Cost Car Insurance in Arizona With a DUI on My Record?
Yes, but your options may be more limited and more expensive. Drivers with a DUI are often required to file an SR-22, which proves they carry the state’s required insurance coverage. Not all insurers offer SR-22 policies, but working with an independent agent can help you find coverage and payment options that fit your situation while you work toward rebuilding your driving record.
How Can I Lower My Car Insurance Rates in Arizona?
Lowering your car insurance rate usually comes down to reducing risk and taking advantage of savings opportunities. Keeping a clean driving record, bundling policies, driving fewer miles, and choosing a higher deductible can all help. Reviewing your coverage regularly and comparing quotes from multiple insurers is one of the most effective ways to make sure you’re not overpaying — especially as your driving habits or vehicle change over time.
Get an Affordable Arizona Car Insurance Quote Online Today!
Finding affordable car insurance doesn’t have to be complicated. Freeway Insurance makes it easy for Arizona drivers to compare coverage options and find a policy that fits their budget while meeting state requirements. Whether you prefer to get started online, speak with an agent by phone at 800-777-5620, or visit a local office in person, help is available statewide. With convenient quoting options and access to multiple insurance carriers, Freeway helps you move forward with confidence and get covered quickly — without unnecessary hassle or pressure.
Start your Arizona car insurance quote today and see what options are available to you.
Auto Insurance Info by City
By clicking Start Quote, I agree to the Privacy Policy and
By clicking Start Quote, I agree to the Privacy Policy and