Car Insurance in Arizona

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  • How Much is Car Insurance in Arizona?
  • Real Quotes for Jerry Customers in Arizona
  • The Cheapest Car Insurance in Arizona
  • Most Popular Insurance Companies in Arizona
  • Cost to Insure Different Cars in Arizona
  • Car Insurance Laws in Arizona
  • Car Registration Information in Arizona
Looking for car insurance in Arizona? Here you’ll find all the information you need on driving a car in Grand Canyon State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Phoenix or Mesa, Tucson or Glendale — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Arizona car insurance.

How Much is Car Insurance in Arizona?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Arizona, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Arizona pay ${averageAnnualPremium} each year for car insurance. This means drivers in Arizona pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Arizona? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Arizona, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in Arizona

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
January 2, 2021
  • Hyundai Santa Fe Se
  • Saab 9-5 Aero
44 year old femaleCLEARCOVER$165.17$220.83Preferred
January 7, 2021
  • Dodge Nitro Sxt
29 year old maleKemper$63.25$28.75Standard
February 2, 2021
  • Chrysler Sebring Limited
21 year old femaleProgressive$57.42$242.58Basic
February 2, 2021
  • Gmc Envoy
  • Infiniti Q50 Hybrid Premium
  • Nissan 350z Roadster
  • Chevrolet Avalanche K1500
27 year old maleCLEARCOVER$290.50$200.50Preferred
March 6, 2021
  • Chevrolet Malibu 1lt
  • Hyundai Sonata Gls
  • Chevrolet Malibu 1lt
48 year old femaleProgressive$87.42$115.58Basic

The Cheapest Car Insurance in Arizona

Which companies offer cheap car insurance in Arizona? Below, we’ve ranked Arizona car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Arizona for Basic Coverage

There’s all kinds of auto insurance you can get in Arizona, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Arizona. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Arizona, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Arizona

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$870
2Allstate$925
3Kemper$926
4Commonwealth Casualty Auto Insurance$952
5Progressive$960
6Mercury$995
7Nationwide$1,028
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Real Jerry Quotes for Basic Coverage in Arizona

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
April 3, 2021
  • Hyundai Elantra Gls
55 year old femaleMercury$50$117
March 12, 2021
  • Toyota Camry Base
25 year old femaleKemper$67.58$102.42
January 21, 2021
  • Bmw 328 I
22 year old maleCLEARCOVER$56$92
March 30, 2021
  • Infiniti Q50 Base
  • Lexus Is 350
25 year old femaleKemper$75.83$89.17
February 16, 2021
  • Nissan Maxima S
  • Hyundai Sonata Gls
18 year old maleCLEARCOVER$82$238

Average Cheapest Car Insurance for Standard Plans in Arizona

Most drivers will want more than the basic minimum coverage that Arizona requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Arizona, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Arizona

Filters
RankCompany nameAvg. Annual Premium
1Mercury$1,231
2Nationwide$1,254
3CLEARCOVER$1,263
4Kemper$1,316
5Progressive$1,320
6Travelers$1,784
7Metlife$1,966

Real Jerry Quotes for Standard Coverage in Arizona

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
February 12, 2021
  • Dodge Ram 1500 St
  • Jeep Grand Cherokee Laredo
  • Ford F150
50 year old femaleProgressive$153.58$126.42
December 30, 2020
  • Bmw 128 I
30 year old femaleCLEARCOVER$65.50$59.50
March 5, 2021
  • Toyota Corolla L
23 year old femaleCLEARCOVER$99$48
February 13, 2021
  • Kia Soul +
56 year old femaleCLEARCOVER$58.33$24.42
January 26, 2021
  • Ford Mustang
32 year old femaleCLEARCOVER$75.83$46.17

Cheapest Car Insurance in Arizona for Preferred Coverage

Preferred coverage protects Arizona drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Arizona, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Arizona

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,409
2Mercury$1,543
3Progressive$1,781
4Nationwide$1,818
5Kemper$1,973
6Travelers$2,033
7Safeco$2,095

Real Jerry Quotes for Preferred Coverage in Arizona

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
February 16, 2021
  • Hyundai Elantra Blue
30 year old femaleMetlife$104.11$35.89
January 29, 2021
  • Gmc Sierra K1500
  • Chevrolet Tahoe K1500
22 year old maleProgressive$128.83$31.17
February 2, 2021
  • Volkswagen Jetta Se
35 year old femaleCLEARCOVER$84$116
March 14, 2021
  • Ford Fusion Titanium
28 year old maleProgressive$120.08$14.92
March 12, 2021
  • Honda Civic Sport
28 year old femaleCLEARCOVER$86.50$37.50
Insurance companyAverage annual premium in Arizona
Progressive$1,544.21
CLEARCOVER$1,846.09
Commonwealth Casualty Auto Insurance$1,128.96
Kemper$1,433.63
Mercury$1,213.21
Bristol West$1,346.73
Infinity$1,592.50
Nationwide$1,558.84
Travelers$2,179.01
Gainsco$996

Cost to Insure Different Cars in Arizona

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Arizona drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Arizona. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
February 27, 2021
  • Nissan Altima 2.5
32 year old maleKemper$79.42$124.58Standard
March 11, 2021
  • Volkswagen Jetta Se
35 year old maleCLEARCOVER$100.33$149.67Preferred
February 25, 2021
  • Kia Optima Lx
46 year old femaleCLEARCOVER$78.83$277.17Preferred
January 6, 2021
  • Chevrolet Hhr Lt
21 year old maleProgressive$260.92$59.08Preferred
February 25, 2021
  • Volkswagen Passat S
28 year old maleMercury$61.67$153.33Basic
February 8, 2021
  • Dodge Avenger Se
24 year old maleCLEARCOVER$114.17$228.83Preferred
April 2, 2021
  • Hyundai Sonata Gls
24 year old maleProgressive$103.42$196.58Basic

Car Insurance Laws in Arizona

Getting into a car accident in Arizona is a concern no matter where you live in the state. In 2019 alone, there were more than 120,000 accidents in Arizona, according to AZDOT.gov. Depending on where you drive, traffic can be heavy at certain times of the day, especially in the bigger cities like as Phoenix.
Like many states across the country, Arizona requires a driver with a license in the state to have a minimum amount of insurance coverage on their registered vehicle. The following is a breakdown of what kind of insurance is required and how to keep your car registration up to date.

What Car Insurance Is Required in Arizona?

If you register a motor vehicle in Arizona, you’re required to purchase a minimum amount of insurance according to state law. The type of insurance you have to buy is known as liability insurance and is broken down into two specific types: Bodily Injury Liability (BIL) and Property Damage Liability (PDL).
Arizona is an at-fault state, which means that the insurance of the driver who is at-fault in an accident is responsible for paying for any medical bills or property damage suffered by the other parties in an accident. Unlike a no-fault state, which requires drivers to get Personal Injury Protection, also known as PIP coverage or PIP insurance, Arizona requires insurance companies to offer medical payments insurance, or MedPay.
While not required, MedPay will reimburse the at-fault driver for any lost wages that result from an accident, as well as paying for medical expenses, such as surgery, ambulance fees, and rehabilitation. Otherwise, you will have to rely on your medical insurance to recoup some of these costs.
When it comes to the medical bills for the driver who is not at fault, the BIL of the at-fault driver pays for the costs associated with injury to the other party. It can also pay for any legal fees the at-fault driver accrues due to the accident and will pay compensation to the other driver for physical pain and emotional suffering.
The other type of auto insurance coverage you’re required to have to register a vehicle in Arizona is PDL, which pays for any property damage caused by you in an accident if you are at-fault. Unfortunately, PDL does not pay for any damage to the at-fault driver’s motor vehicle. For that, they need Collision Insurance.
Another type of insurance that Arizona residents are required to have when driving is uninsured motorist coverage (UM). UM comes into play if another driver hits your vehicle and doesn’t have the required insurance.
An additional type of insurance, which goes hand-in-hand with UM, is underinsured motorist insurance (UIM), which helps if the at-fault driver does not have enough insurance to cover your medical bills or property damage.

Can You Drive a Car Without Insurance in Arizona?

Driving without insurance in Arizona is against the law. You must also carry proof of insurance or have it in the vehicle at all times and be able to show law enforcement officers this proof if pulled over. You can also keep proof of insurance on your mobile device, such as a smart phone.
If you’re caught driving without insurance in Arizona, you can suffer certain penalties, which depend on whether it is your first offense or not. The first time you’re caught, you face a $500 fine; you can also have your license suspended for three months and be required to have an SR-22 for three years.
An SR-22 certificate is issued by your insurance company and lets the courts know that you now have the required amount of insurance. While relatively inexpensive to file for, having insurance while you have an SR-22 certificate is way more expensive.
Additional violations of the minimum insurance laws are $750 for the second offense, a license suspension for six months, and you have to keep an SR-22 certificate on file for two years. For the third offense, the fine increases to $1,000, a license suspension for one year, and an SR-22 for two years.
You will also still be liable for any medical bills, property damage, and other costs associated with an accident that you cause.

What Are the Minimum Car Insurance Requirements in Arizona?

According to Arizona law, drivers operating a vehicle registered in the state must have certain minimum amounts of insurance coverage. This coverage is designed to pay for any bodily injury or property damage by you in an accident. UM/UIM also helps pay for any bodily injuries or property damage suffered by you in the case of the at-fault driver not having the required minimum coverage.
To legally register and drive a vehicle in Arizona, you must have the following minimum insurance amounts.
Minimum Insurance Requirements in Arizona
  • Bodily injury/per person/per accident: $15,000
  • Bodily injury/per accident: $30,000
  • Property damage liability: $10,000
  • Uninsured/Underinsured Motorist Bodily Injury coverage/per person: $15,000
  • Uninsured/Underinsured Motorist Bodily Injury coverage/per accident: $30,000

Car Registration Information in Arizona

Making sure your vehicle is properly registered in Arizona is just as important as having the required insurance. Upon buying a vehicle in Arizona, you have 15 days to register it. If you’re moving to Arizona from out of state, you have 30 days to register your vehicle.
You must also register your vehicle in Arizona if you work in the state, have children who go to school there, or live in Arizona for seven or more months in a given year, regardless of your state of residence.
When you register your vehicle in Arizona, you will receive a valid license plate, in addition to a decal with the month and year your current registration expires. This decal goes in the upper right-hand corner of your Arizona license plate, which goes on the rear of your vehicle. Arizona only requires a rear license plate.
The initial registration fee for registering your vehicle in Arizona depends on the type of vehicle you need to register. Registering your vehicle will cost anywhere between $6.25 and $10.75, plus a Vehicle License Tax (VLT), which depends on the year, make, and model of the vehicle.
You can register your vehicle in Arizona at an Arizona Motor Vehicle Services location, online at the ServiceArizona Website, or through the mail.
In order to get a vehicle registered or renew your registration in Arizona, you will need the following documentation and information:
  • Arizona driver’s license
  • Vehicle registration (if previously registered)
  • Proof that the vehicle passed a successful emissions test
  • Proof of car insurance
  • Current license plate (if replacing it)
  • Certificate of title (if you own the vehicle)
  • Vehicle identification Number (VIN) (found on the vehicle, title, or previous registration)
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