Compare car insurance quotes in Arizona
Jerry is a free app trusted by 35,128 Arizona drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Average Arizona car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Arizona, Jerry drivers pay:
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$82 to $161 per month for state-mandated minimum coverage.
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$190 to $377 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Arizonans save an average of $667 per year on coverage just by comparing their options.
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.
Jerry helps you shop offers and lock in your Arizona car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. 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
Arizona’s wildfire season has been getting longer, and home insurance rates in fire-prone areas are climbing to reflect that. Even in the Phoenix metro, dust storms and monsoon flooding keep premiums above average, but bundling car and home insurance can help.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
But here’s what sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a 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 you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Arizona, shopping around helps you find the right fit.
That matters in Arizona, where your rate depends a lot on where and how you drive. Phoenix metro commuters face heavy traffic and some of the highest collision rates in the state, while drivers in Tucson, Flagstaff or more rural stretches deal with very different conditions and costs. Jerry works with Arizona drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 19 trusted insurers in the Grand Canyon State, so you can see what’s out there and what you should be paying.Below are some of the latest quotes Jerry has pulled for Arizona drivers at different coverage levels, plus how much each driver saved after switching.
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:
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$25,000 for bodily injury per person in an accident.
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$50,000 for bodily injury to two or more people in an accident.
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$15,000 for damage to other peoples’ property.
Drivers can also opt to buy combined single limit (CSL) coverage instead, but coverage must be $1 million or more.
While this is the minimum insurance you need to buy before you can legally drive in Arizona, many Jerry drivers choose to buy higher liability limits along with comprehensive and collision coverage. We also recommend buying uninsured/underinsured motorist (UIM) protection since nearly 11% of Arizona drivers are uninsured or underinsured.
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Coverage definitions
Factors affecting Arizona car insurance rates in 2026
Extreme weather
Arizona’s monsoon season can turn dry washes into rivers in minutes and leave parked cars underwater. We recommend keeping comprehensive coverage, especially if you park outside or drive through flood-prone areas, because that’s what pays for storm and flood damage.
Heavy traffic
Traffic on I-10, the Loop 101 and 202, and daily commuting across the Phoenix and Tucson metros drives up crash odds and claim frequency. Drive defensively during peak hours and consider a telematics program like Jerry’s DriveShield, so your safer habits can translate into a lower rate.
Uninsured drivers
Roughly one in nine Arizona drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if an uninsured driver hits you and can’t cover your injuries or damage.
Comparative negligence law
Arizona follows a comparative negligence rule, meaning your payout shrinks based on your percentage of fault in a crash. Consider carrying collision coverage on your vehicle, so you’re not stuck waiting on a disputed fault decision before you can get your car repaired or replaced.
Wildfire and smoke damage
Dry conditions mean wildfire season is a real concern, and drifting smoke can cut highway visibility fast. Keep comprehensive coverage to protect against fire and ash damage, and slow down in smoky conditions to avoid pileups.
Theft and vandalism risk
Vehicle theft rates in Arizona run above the national average, particularly in the Phoenix metro. Comprehensive coverage is what pays out if your car is stolen or broken into, but prevention is also important: park in well-lit areas, lock up and keep valuables out of sight.
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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|---|---|
| $283 | |
| $198 | |
| $229 | |
| $284 | |
| $258 | |
| $224 | |
| $234 | |
| $227 |
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.
FAQ
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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 PIP coverage?
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Does Arizona allow combined single limit coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.