Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Arizona apart
Uninsured-motorist coverage must be offered in writing; ~12% of drivers uninsured.
Minimum vs. full coverage in Arizona
What each coverage level costs on the Arizona average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $660 | $55 |
| Liability Only | $1,070 | $89 |
| Full | $1,950 | $162 |
| Full Low Deductible | $2,380 | $198 |
Minimum coverage saves about $1,293/yr vs full — but caps protection at 25/50/15. One at-fault crash above those limits and the gap is yours.
Arizona car insurance FAQ
- What's the minimum car insurance required in Arizona?
- Arizona's state minimum is 25/50/15 — $25k bodily injury per person, $50k per accident, $15k property damage. Minimum-only runs about $660/yr but leaves you exposed above those caps.
- How much is full coverage in Arizona?
- Representative full coverage averages $1,953/yr (about $163/mo), ranking Arizona #27 of 51 states for cost.
- Why is Arizona car insurance priced the way it is?
- Uninsured-motorist coverage must be offered in writing; ~12% of drivers uninsured.