✓ Updated January 2026 – Based on Real Arizona Quotes
Arizona Auto Insurance Requirements & Costs
Complete guide to Arizona car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.
Key Takeaways: Arizona Auto Insurance Data
Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by licensed A Plus Insurance agents in Arizona. This reflects actual consumer quote activity during 2026, not advertised rates or national averages.
Average Monthly Rate in AZ
$91.69
Based on real Arizona auto insurance quotes across multiple driver profiles and coverage types in our dataset.
Liability vs Full Coverage
$65 vs $144
Liability-only coverage averages $65.17 per month, while full coverage averages $143.78. The largest gap exceeds $100 per month depending on carrier.
Price Range Across Carriers
$52 – $114
Real Arizona quotes show a $61.98 monthly spread between the lowest- and highest-priced insurers, a difference of roughly 119%.
Arizona Minimum Requirements
25 / 50 / 15
Arizona requires $25,000 bodily injury per person, $50,000 per accident, and $15,000 for property damage, which often falls short in serious claims.
SR-22 Cost Impact
+50% to 80%
Drivers requiring SR-22 filings in Arizona typically see insurance rates increase 50–80% for about three years following serious violations.
Arizona Auto Insurance Requirements
Arizona law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.
At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses and lost wages for one person injured in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses and lost wages for all people injured in an accident you cause |
| Property Damage | $15,000 | Damage to another person’s vehicle or property in an accident you cause |
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection. Arizona also allows electronic proof of insurance.
Optional but Recommended Coverage
While not legally required, these coverages provide crucial protection:
- Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
- Collision: Covers damage to your vehicle from accidents, regardless of fault
- Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
- Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault
Learn more about different coverage types on our auto insurance guide, or explore Arizona liability insurance options in detail.
Average monthly auto insurance rate by state
- Pricing ranges from $91.69 (AZ) to $91.69 (AZ) ... a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $91.69. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
How Violations & Risk Factors Affect Your Arizona Rates
Your driving record and risk profile significantly impact insurance costs in Arizona. Understanding these factors helps you anticipate rate changes and make informed decisions.
Understanding SR-22 Insurance in Arizona
An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Arizona Motor Vehicle Division. You may need an SR-22 if you have:
- DUI or DWI conviction
- Multiple traffic violations in a short period
- At-fault accident without insurance
- License suspension or revocation
- Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Arizona.
Need SR-22 insurance? Learn more about SR-22 insurance in Arizona and get quotes from providers who specialize in high-risk coverage.
How DUI Affects Your Arizona Insurance Rates
A DUI conviction has severe consequences for auto insurance in Arizona:
- Rate Increase: Average increase of 60-100% for 3-5 years
- SR-22 Requirement: Mandatory filing for minimum 3 years
- Limited Options: Many standard insurers will not cover DUI drivers
- Long-term Impact: DUI stays on your record for 5 years in Arizona
After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.
Common Traffic Violations and Rate Impacts in Arizona
| Violation Type | Typical Rate Increase | Duration of Impact |
|---|---|---|
| Speeding (15+ mph over) | 20-30% | 3 years |
| At-fault accident | 30-50% | 3-5 years |
| Reckless driving | 40-70% | 3-5 years |
| DUI/DWI | 60-100% | 5 years |
| Driving without insurance | 50-80% | 3 years |
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.
Why Arizona Auto Insurance Rates Change Over Time
Auto insurance rates in Arizona fluctuate based on multiple factors. Understanding what drives these changes helps you make informed decisions about when to shop for coverage and how to manage your insurance costs effectively.
Key Factors That Affect Your Arizona Insurance Rates
- Inflation and Repair Costs: Vehicle repair costs and medical expenses increase annually, driving up premiums
- Accident Frequency: Higher accident rates in your area lead to increased premiums
- Market Competition: New insurers entering Arizona or existing ones adjusting pricing strategies
- Your Personal Profile: As your driving record, age, and credit change, your rates adjust accordingly
Best Practice: Compare quotes from at least 3-5 insurance providers every 6-12 months. The average Arizona driver who shops around saves $400+ annually. Your current insurer may gradually increase rates, banking on you not noticing. Shopping around ensures competitive pricing. Learn more about Progressive insurance in Arizona and other top insurance providers.
Important: Even a single day without insurance can have serious consequences in Arizona. If your policy lapses, you face fines, potential SR-22 requirements, and significantly higher rates when you reinstate coverage.
Compare Arizona Rates Now
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Liability only vs full coverage by company
AssuranceAmerica
Progressive
GAINSCO
Dairyland
Across these carriers, liability only averages $65.17 per month, while full coverage averages $143.78. The largest gap in this view is $109.16 for AssuranceAmerica.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Cheapest auto insurance companies
- Pricing ranges from $52.18 (Dairyland Scored) to $114.16 (GAINSCO) ... a spread of $61.98.
- Based on real auto insurance quotes grouped into 5 company results, the average across this view is $85.87. The spread is about 119% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Driver age average monthly by area
- Pricing ranges from $43.50 (84) to $161.04 (66) ... a spread of $117.54.
- Based on real auto insurance quotes grouped into 8 company results, the average across this view is $91.11. The spread is about 270% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Driver sex average monthly by area
- Pricing ranges from $69.76 (female) to $97.95 (male) ... a spread of $28.20.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $83.85. The spread is about 40% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | Sierra Vista | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Auto Insurance Coverage Across Arizona Counties
Find detailed auto insurance information, rates, and requirements specific to your Arizona county.
Frequently Asked Questions
What are the minimum auto insurance requirements in Arizona?
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. This is the legal minimum to drive in Arizona, though most financial advisors recommend higher limits for better protection. Arizona also accepts electronic proof of insurance.
How much does auto insurance cost in Arizona?
Auto insurance costs in Arizona vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Phoenix and Tucson typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Arizona a no-fault insurance state?
No, Arizona is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Arizona.
What happens if I get caught driving without insurance in Arizona?
Driving without insurance in Arizona results in serious penalties: fines up to $1,000, suspension of your driver’s license and vehicle registration for up to one year, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Arizona takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Arizona?
You need SR-22 insurance in Arizona if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Arizona Motor Vehicle Division proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Arizona?
A DUI in Arizona typically increases your insurance rates by 60-100% and remains on your driving record for 5 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for several years.
Should I get more than the minimum coverage in Arizona?
Yes, most insurance experts recommend purchasing more than Arizona’s minimum 25/50/15 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Arizona?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Arizona drivers $400 or more annually.
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Last Updated on by Jayleen Ridgeway