Arizona Car Insurance

Whether you’re commuting into Phoenix for work, piling the kids into the family SUV for a Grand Canyon adventure or taking a sunset drive through the Sonoran Desert, Farmers FlexSM Personal Auto offers car insurance options designed for how you drive. And discounts can help you save.

Please enter a 5 digit zip code.

What is the average cost of car insurance in Arizona?

Arizonans paid an average of $1,198 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s neither cheaper nor more expensive than drivers nationwide, who pay an average $1,204 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.

Is Arizona a no-fault state?

No. Arizona is an at-fault state. As an at-fault state, drivers who cause a crash are responsible for paying the costs of injuries to the other party.

What auto insurance is mandatory in Arizona?

A car insurance policy with a minimum amount of liability coverage is required in Arizona, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want. 

As of August 2022, 25/50/15 liability coverage limits are the minimum required in Arizona:



Bodily injury liability

$25,000 per person; $50,000 per accident

Property damage liability

$15,000 per accident


Bodily injury liability


$25,000 per person; $50,000 per accident


Property damage liability


$15,000 per accident

What does car insurance typically cover in Arizona?

A typical car insurance policy in Arizona includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Arizona with a Farmers Flex Personal Auto policy.

Arizona car insurance discounts

Farmers offers a variety of discounts for drivers in Arizona. For example:

  • Welcome Discount 
  • Loyalty Discount 
  • Five-Year Accident-Free Discount 
  • Multi-Policy Discount 
  • Signal®, which can reward you with an initial discount when you use our Signal app

See more information about additional discounts that may be available in Arizona.

The Grand Canyon State

grand canyon image

At 1,904 square miles total, the Grand Canyon is bigger than the state of Rhode Island (1,212 square miles). — U.S.Department of the Interior

More coverage options in Arizona

home icon

Arizona home insurance

Learn more about what home insurance in Arizona covers, available discounts and more.

View home insurance coverage details for Arizona

condo icon

Arizona renters insurance

Renters insurance in Arizona can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Arizona

Learn From Experience

Still have questions about cars and car insurance in Arizona? We have answers.

Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

You didn’t have an accident. You didn’t file a claim. You didn’t even get a speeding ticket. So why might your car insurance rate increase anyway?

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

No matter where you live, some drivers will inevitably fail to buy insurance or allow their insurance to expire. Uninsured motorist or UM coverage provides coverage in these situations.