How much is car insurance in Arizona?
Drivers in Arizona paid an average of $1,505 a year for full-coverage car insurance in 2023 (NAIC), 5% above the $1,439 US average, or about $1,780 a year in Arizona today (about $150 a month through August 2026). In Arizona, the law asks for at least 25/50/15 liability, and Arizona's 2023 liability-only average—the closest NAIC benchmark to a minimum policy—was $793 (about $940 today).
Average car insurance cost in Arizona: 5% above the US average
Typical Arizona full-coverage price today
about $1,780 a year in Arizona (about $150 a month)
Arizona's 2023 NAIC full-coverage average ($1,505) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Arizona rate depends on your car, driving history, and coverage limits.
That $1,505 2023 full-coverage figure makes Arizona the 16th most expensive of the 50 states and DC (against $1,439 nationally), with 53% going to liability ($793, 14th highest in the US) and 47% covering physical damage to your own vehicle. Counting every insured car in Arizona—both full-coverage and liability-only policies—Arizona drivers spent $1,344 per vehicle on average in 2023 (16th highest in the US, about $1,590 today), or 11% ($161) less than Arizona's full-coverage combined average.
How Arizona compares with California, Nevada, New Mexico, and Utah
A typical policy in Arizona ($1,505 in 2023) costs more than in California, New Mexico, and Utah and less than in Nevada. Among Arizona's neighbors, Utah had the lowest 2023 average ($1,285, moving to Arizona is about $290 more a year) and Nevada had the highest ($1,600, moving to Arizona is about $130 less a year).
| State | 2023 average | Moving to Arizona from there |
|---|---|---|
| Arizona | $1,505 | Current state (Arizona) |
| California | $1,418 | About $120 more a year |
| Nevada | $1,600 | About $130 less a year |
| New Mexico | $1,301 | About $270 more a year |
| Utah | $1,285 | About $290 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Connecticut ($1,508 in 2023, about $1,790 today), South Carolina ($1,517 in 2023, about $1,800 today), Delaware ($1,569 in 2023, about $1,860 today), and Michigan ($1,573 in 2023, about $1,860 today).
Arizona: 25/50/15 liability minimums since 2020
- Arizona liability (per person / per crash / property)
- $25,000 / $50,000 / $15,000
- Personal injury protection (PIP) in Arizona
- Not required
- Medical payments in Arizona
- Not required
- No-fault system in Arizona
- No
- Uninsured motorist in Arizona
- Not required
- Underinsured motorist in Arizona
- Not required
Set by A.R.S. 28-4009(A)(2)(b), Arizona's 25/50/15 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $15,000 for others' property—the legal floor in Arizona, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Arizona—the closest NAIC figure to what an Arizona minimum policy costs—averaged $793 in 2023 (about $940 in Arizona today), the 14th highest of the 50 states and DC. That makes liability 53% of Arizona's full-coverage average ($1,505), while the remaining 47% goes toward collision and comprehensive coverage for your own car.
Arizona requires at least $25,000 per person and $50,000 per crash for injuries, plus $15,000 for property damage. Your insurer has to offer uninsured and underinsured-motorist coverage in writing, but buying it is your choice.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them; the only mention of medical payments we found is about liens.
- Uninsured and underinsured motorist
- Your insurer must offer uninsured and underinsured motorist coverage in writing, on a state-approved form, up to your injury liability limits. Buying either one is up to you.
- History and recent checks
- 25/50/15 for policies issued or renewed beginning July 1, 2020 (was 15/30/10). No later change found.
- Checked
- September 22, 2026
- Sources
- A.R.S. 28-4009(A)(2)(b)
For a policy that is issued or renewed beginning on July 1, 2020 ... $25,000 ... $50,000 ... $15,000 because of injury to or destruction of property of others
- A.R.S. 28-4135(A)
A motor vehicle that is operated on a highway in this state shall be covered by ... A motor vehicle or automobile liability policy that provides limits not less than those prescribed in section 28-4009.
- A.R.S. 20-259.01(A)-(B)
shall make available to the named insured thereunder and by written notice offer the named insured and at the request of the named insured shall include within the policy uninsured motorist coverage
- A.R.S. 28-4009(A)(2)(b)
Adding a 16-year-old driver in Arizona: about $1,180 more a year
Adding a 16-year-old to a Arizona policy
about $1,180 more a year
About $100 a month (+66% over a typical Arizona adult policy of $1,780), bringing the combined Arizona family policy to roughly $2,200–$3,900 a year.
On a separate Arizona policy of their own with the same car, a 16-year-old in Arizona would pay about $5,120 a year (roughly $3,900–$7,300), so sharing a parent's Arizona policy saves about $3,940 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Arizona's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Arizona
In Arizona, the 2022 Subaru Forester and Outback come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,050 more a year on an Arizona policy, versus about $1,770 more a year for the 2022 Tesla Model 3 at the top of Arizona's list.
| 2022 model | Added to a Arizona policy | Own Arizona policy |
|---|---|---|
| 2022 Subaru Forester | +$1,050 in Arizona | $4,570 in Arizona |
| 2022 Subaru Outback | +$1,050 in Arizona | $4,580 in Arizona |
| 2022 Subaru Crosstrek | +$1,060 in Arizona | $4,600 in Arizona |
| 2022 Honda CR-V | +$1,130 in Arizona | $4,910 in Arizona |
| 2022 Toyota RAV4 | +$1,150 in Arizona | $5,000 in Arizona |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Arizona
In Arizona, a 45-year-old with full coverage pays from about $1,700 a year for a 2024 Subaru Forester to about $2,100 for a 2024 Kia Sportage on these Arizona sample models.
| Car | 45-year-old in Arizona | Adding a teen in Arizona |
|---|---|---|
| 2024 Honda CR-V | about $1,820 a year | +$1,200 a year |
| 2024 Subaru Forester | about $1,700 a year | +$1,120 a year |
| 2024 Subaru Outback | about $1,700 a year | +$1,120 a year |
| 2024 Mazda CX-5 | about $1,870 a year | +$1,230 a year |
| 2024 Hyundai Tucson | about $1,940 a year | +$1,280 a year |
| 2024 Kia Sportage | about $2,100 a year | +$1,390 a year |
| 2024 Chevrolet Equinox | about $1,890 a year | +$1,250 a year |
| 2024 Ford Escape | about $2,020 a year | +$1,330 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Arizona
- How much is car insurance in Arizona?
- In Arizona, full-coverage car insurance averaged $1,505 a year in 2023 (the 16th most expensive of the 50 states and DC per NAIC), or about $1,780 a year ($150 a month) in Arizona as of August 2026. Arizona liability-only coverage averaged $793 in 2023 (53% of Arizona's full-coverage figure, or about $940 today), and Arizona drivers spent $1,344 per insured car across all policies.
- What are the minimum car insurance limits in Arizona?
- Under A.R.S. 28-4009(A)(2)(b), Arizona requires 25/50/15 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $15,000 for property damage. 25/50/15 for policies issued or renewed beginning July 1, 2020 (was 15/30/10). No later change found.
- How much does adding a 16-year-old teen driver cost in Arizona?
- Adding a 16-year-old to a parent's full-coverage policy in Arizona adds about $1,180 more a year ($100 a month), bringing the Arizona household policy to roughly $2,200–$3,900 a year versus about $5,120 a year (roughly $3,900–$7,300) on a standalone Arizona teen policy.
- Is Arizona a no-fault car insurance state?
- No—Arizona is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Arizona does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Arizona: Your insurer must offer uninsured and underinsured motorist coverage in writing, on a state-approved form, up to your injury liability limits. Buying either one is up to you.
- How does Arizona's car insurance cost compare with California?
- Arizona averaged $1,505 for full coverage in 2023 (NAIC) against $1,418 in California (6% more than California), and moving a sample policy from California to Arizona today is about $120 more a year. Other bordering states averaged $1,600 in Nevada, $1,301 in New Mexico, and $1,285 in Utah in 2023.
Sources for Arizona
- Arizona average premiums ($1,505 full coverage, $793 liability-only, $1,344 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Arizona minimum coverage statutes (A.R.S. 28-4009(A)(2)(b); A.R.S. 28-4135(A); A.R.S. 20-259.01(A)-(B)), checked September 22, 2026. Page updated for Arizona. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.