Arizona drivers pay around $2,644 a year for full coverage — not far from the national average. The state follows an at-fault model with a 25/50/15 liability minimum, and insurers may weigh credit history when pricing. Here's the coverage you must carry, what Arizonans pay, and how to find a cheaper rate.
Arizona uses an at-fault (tort) framework with a 25/50/15 liability minimum and no mandated PIP or uninsured-motorist coverage. Full coverage averages roughly $2,644 a year — within a few percentage points of the national average — with Phoenix and Tucson metro traffic dragging city rates higher. The state permits credit-based pricing, so your credit profile is a meaningful factor alongside driving record and vehicle.
The coverages below are the minimum a driver must legally carry in Arizona. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $15k | Mandatory |
| Uninsured motorist | Optional | Offered; may be waived |
| Personal injury protection | Not required | Arizona follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,644/yr | 2% below U.S. | Comprehensive and collision included |
| Minimum coverage | $849/yr | 1% above U.S. | Liability only at 25/50/15 |
Estimates apply national rate-increase multipliers to Arizona's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,644/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,781/yr | +43% | 2,644 × 1.43 per Bankrate |
| Speeding ticket | ~$3,279/yr | +24% | 2,644 × 1.24 per Bankrate |
| DUI on record | ~$4,971/yr | +88% | 2,644 × 1.88 per Bankrate |
| Young driver (18–24) | ~$5,288/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,495/yr | +70% | 2,644 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Arizona lands near the national average, but the range between drivers is broad: a clean-record suburban driver pays far less than a Phoenix driver with a ticket or weak credit. The 25/50/15 minimum sits on the low end, so raising liability limits and adding collision and comprehensive is smart for most drivers. With credit and ZIP code creating big gaps between carriers, shopping around is the most effective lever.
Arizona is an average-cost state with a low legal minimum. Weighing several carriers and keeping your credit healthy is the best route to a competitive Arizona rate with adequate protection.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Arizona are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Arizona insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.