Compare car insurance quotes in Arizona
Jerry uses real data from 28,657 Arizona drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Arizona car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in Arizona, Jerry drivers pay:
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$84 to $159 per month for state-mandated minimum coverage, and
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$191 to $374 per month for full coverage.
When you put rates next to each other, the savings are easier to find. Over the last year, Jerry has helped Arizonans save an average of $702 on coverage by comparing quotes across insurers.
Jerry helps you shop offers and dial in your Arizona car insurance in under 10 minutes. It’s free, entirely online and we won’t sell your info or pester you with phone calls.
Rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Arizona have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Arizona is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Arizona drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage, whether that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Arizona that you can find.
Jerry helps you find quotes from up to 18 trusted insurers in the Grand Canyon State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Arizona drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Arizona
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Arizona car insurance coverage requirements
Drivers in Arizona are legally required to carry liability insurance coverage. State minimum requirements include:
- $25,000 for bodily injury per person in an accident.
- $50,000 for bodily injury to two or more people in an accident.
- $15,000 for damage to other peoples’ property.
While this is the minimum insurance you need to buy before you can legally drive in Arizona, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that nearly 11% of Arizona drivers are uninsured or underinsured, it may also be wise to purchase uninsured/underinsured motorist (UIM) protection.
Factors affecting Arizona car insurance rates in 2026
Extreme weather
Monsoon storms and flash floods can cause sudden damage, even to parked cars. Keeping comprehensive coverage is a smart move, especially if you park outside or drive in areas prone to rapid flooding.
Heavy traffic
Congestion on I-10 and in metro areas like Phoenix and Tucson raises the risk of crashes. Safer driving habits help, and telematics tools like Jerry DriveShield can reward them with lower rates.
Uninsured drivers
About 1 in 9 Arizona drivers are uninsured. A good baseline is to match your uninsured and underinsured motorist limits to your liability limits so you’re protected if the other driver can’t pay.
Comparative negligence law
Arizona uses comparative negligence, which means fault can be shared between drivers. You may still be able to recover some damages even if you’re partly at fault. Still, collision coverage helps protect your own car no matter how fault gets sorted out.
Wildfire and smoke damage
Arizona’s dry conditions can increase wildfire risk, and smoke can create low-visibility driving conditions. Comprehensive coverage can help with certain wildfire-related vehicle damage, while slowing down in smoky conditions can reduce the chance of a crash claim.
Theft and vandalism risk
In higher-density areas, vehicle theft and break-ins can be a bigger factor than many drivers expect. Comprehensive coverage typically covers theft, and simple habits like parking in well-lit areas and not leaving valuables visible can lower your risk.
Average cost of car insurance in major Arizona cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $284 | |
| $199 | |
| $231 | |
| $289 | |
| $258 | |
| $226 | |
| $246 | |
| $236 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Arizona quotes in as little as 2 minutes.
Learn more about driving in Arizona
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Everything you need to know about Arizona towing laws.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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Is Arizona an at-fault state for car accidents??
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Can I show proof of insurance on my phone in Arizona?
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What happens if I drive without insurance in Arizona?
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Does Arizona require personal injury protection (PIP) coverage?
