Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Arizona
Jerry is a free app trusted by 36,943 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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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Arizona car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Arizona, Jerry drivers pay:
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$82 to $157 per month for state-mandated minimum coverage.
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$188 to $372 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 $703 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 20 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
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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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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|---|---|
| $284 | |
| $197 | |
| $226 | |
| $284 | |
| $261 | |
| $222 | |
| $226 | |
| $234 |
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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What are the minimum car insurance requirements in Arizona?
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What are the penalties for driving without insurance in Arizona?
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Is Arizona a no-fault or at-fault state?
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What is the average cost of car insurance in Arizona?
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Do I need uninsured motorist coverage in Arizona?
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What types of car insurance are required in Arizona?
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How do I register and insure a new car in Arizona?
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Does Arizona require personal injury protection (PIP)?
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Why is car insurance so expensive in Arizona?
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.