Arizona car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Arizona?

Yes , Arizona requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/15.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Arizona car insurance laws

Arizona requires that drivers carry at least 25/50/15.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Arizona drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Arizona car insurance requirements

Arizona requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Arizona liability minimums are 25/50/15.

The average cost of a minimum coverage policy is $516. However, Geico has the lowest minimum car insurance rates, averaging $369.

The table below shows the top insurers' average rates for minimum coverage in Arizona.

Company	Average annual premium	Average monthly premium
Geico	$369	$31
Auto-Owners	$374	$31
Travelers	$480	$40
Allstate	$566	$47
State Farm	$613	$51
Progressive	$639	$53
Nationwide	$662	$55
Farmers	$669	$56
USAA	$275	$23

Read our methodology

Arizona car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $516. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Arizona.

The cheapest company for minimum coverage in Arizona is Geico at an average rate of $369 annually.

State minimum coverage limit	25/50/15
Average annual premium	$516
Average monthly premium	$43

Read our methodology

Are the Arizona minimum coverage requirements changing in 2025?

Arizona car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Arizona?

Arizona requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Arizona drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Arizona minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/15, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Arizona?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Arizona penalties for driving without car insurance

Since Arizona requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Arizona car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$500
Other penalties	License suspension and registration suspension
Jail time	Possible

Read our methodology

Arizona minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Geico has the best rates for teens with minimum coverage averaging $1,035. Geico offers the cheapest coverage for adults at $374.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $524, and the average rate for a 40-year-old male is $507, a difference of $17.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Geico	$1,359	$113
16	Auto-Owners	$1,863	$155
16	Travelers	$2,551	$213
16	Allstate	$2,622	$219
16	State Farm	$2,928	$244
16	Nationwide	$3,116	$260
16	Progressive	$4,278	$357
16	CSAA Insurance (AAA)	$4,946	$412
16	Farmers	$5,198	$433
16	USAA	$2,046	$171
17	Geico	$1,107	$92
17	Auto-Owners	$1,623	$135
17	Travelers	$1,941	$162
17	Allstate	$2,329	$194
17	State Farm	$2,529	$211
17	Nationwide	$2,988	$249
17	Progressive	$3,556	$296
17	Farmers	$3,929	$327
17	CSAA Insurance (AAA)	$3,949	$329
17	USAA	$1,401	$117
18	Geico	$976	$81
18	Auto-Owners	$1,364	$114
18	Travelers	$1,519	$127
18	State Farm	$2,157	$180
18	Allstate	$2,172	$181
18	Nationwide	$2,474	$206
18	Progressive	$2,786	$232
18	CSAA Insurance (AAA)	$3,181	$265
18	Farmers	$3,258	$272
18	USAA	$1,100	$92
19	Geico	$771	$64
19	Auto-Owners	$1,127	$94
19	Travelers	$1,146	$96
19	Allstate	$1,274	$106
19	Progressive	$1,511	$126
19	Farmers	$1,749	$146
19	State Farm	$1,803	$150
19	Nationwide	$2,036	$170
19	CSAA Insurance (AAA)	$2,137	$178
19	USAA	$860	$72
20	Geico	$711	$59
20	Auto-Owners	$941	$78
20	Travelers	$957	$80
20	Allstate	$1,219	$102
20	Progressive	$1,340	$112
20	Farmers	$1,545	$129
20	State Farm	$1,548	$129
20	CSAA Insurance (AAA)	$1,804	$150
20	Nationwide	$1,810	$151
20	USAA	$753	$63
21	Geico	$537	$45
21	Allstate	$755	$63
21	Travelers	$799	$67
21	Auto-Owners	$814	$68
21	Progressive	$1,128	$94
21	Nationwide	$1,239	$103
21	State Farm	$1,262	$105
21	Farmers	$1,637	$136
21	USAA	$472	$39
22	Geico	$481	$40
22	Allstate	$700	$58
22	Travelers	$723	$60
22	Auto-Owners	$728	$61
22	Progressive	$1,026	$86
22	Nationwide	$1,093	$91
22	State Farm	$1,120	$93
22	Farmers	$1,555	$130
22	USAA	$432	$36
23	Geico	$444	$37
23	Auto-Owners	$640	$53
23	Travelers	$656	$55
23	Allstate	$670	$56
23	Progressive	$935	$78
23	State Farm	$978	$82
23	Nationwide	$1,011	$84
23	Farmers	$1,418	$118
23	USAA	$406	$34
24	Geico	$421	$35
24	Auto-Owners	$565	$47
24	Travelers	$618	$52
24	Allstate	$658	$55
24	State Farm	$851	$71
24	Progressive	$865	$72
24	Nationwide	$948	$79
24	Farmers	$1,337	$111
24	USAA	$379	$32
25	Geico	$405	$34
25	Auto-Owners	$498	$42
25	Travelers	$546	$46
25	Allstate	$651	$54
25	State Farm	$738	$62
25	Progressive	$741	$62
25	Farmers	$766	$64
25	Nationwide	$835	$70
25	USAA	$326	$27
30	Geico	$356	$30
30	Auto-Owners	$405	$34
30	Travelers	$534	$45
30	Allstate	$567	$47
30	State Farm	$617	$51
30	Progressive	$670	$56
30	Farmers	$700	$58
30	Nationwide	$726	$61
30	USAA	$287	$24
35	Geico	$350	$29
35	Auto-Owners	$382	$32
35	Travelers	$532	$44
35	Allstate	$567	$47
35	State Farm	$605	$50
35	Progressive	$649	$54
35	Farmers	$653	$54
35	Nationwide	$671	$56
35	USAA	$277	$23
40	Geico	$353	$29
40	Auto-Owners	$374	$31
40	Travelers	$489	$41
40	Allstate	$567	$47
40	State Farm	$611	$51
40	Farmers	$625	$52
40	Progressive	$631	$53
40	Nationwide	$650	$54
40	USAA	$271	$23
45	Geico	$351	$29
45	Auto-Owners	$364	$30
45	Travelers	$489	$41
45	Allstate	$567	$47
45	Farmers	$602	$50
45	State Farm	$613	$51
45	Progressive	$627	$52
45	Nationwide	$641	$53
45	USAA	$261	$22
50	Auto-Owners	$351	$29
50	Geico	$351	$29
50	Travelers	$489	$41
50	Allstate	$530	$44
50	Farmers	$575	$48
50	Progressive	$590	$49
50	State Farm	$598	$50
50	Nationwide	$632	$53
50	USAA	$253	$21
55	Auto-Owners	$339	$28
55	Geico	$351	$29
55	Travelers	$463	$39
55	Allstate	$528	$44
55	Farmers	$552	$46
55	State Farm	$585	$49
55	Progressive	$593	$49
55	Nationwide	$622	$52
55	USAA	$249	$21
60	Auto-Owners	$341	$28
60	Geico	$356	$30
60	Travelers	$470	$39
60	Allstate	$544	$45
60	Farmers	$573	$48
60	State Farm	$573	$48
60	Progressive	$588	$49
60	Nationwide	$622	$52
60	USAA	$253	$21
65	Auto-Owners	$365	$30
65	Geico	$370	$31
65	Travelers	$512	$43
65	State Farm	$582	$49
65	Progressive	$606	$51
65	Nationwide	$641	$53
65	Farmers	$648	$54
65	Allstate	$659	$55
65	USAA	$271	$23
70	Geico	$417	$35
70	Auto-Owners	$425	$35
70	Travelers	$549	$46
70	State Farm	$620	$52
70	Allstate	$659	$55
70	Progressive	$666	$56
70	Nationwide	$689	$57
70	Farmers	$730	$61
70	USAA	$307	$26
75	Geico	$463	$39
75	Auto-Owners	$505	$42
75	Travelers	$618	$52
75	State Farm	$697	$58
75	Nationwide	$775	$65
75	Allstate	$794	$66
75	Progressive	$798	$67
75	Farmers	$833	$69
75	USAA	$374	$31

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Geico	$1,287	$107
16	Auto-Owners	$1,435	$120
16	Travelers	$1,914	$160
16	Allstate	$2,095	$175
16	State Farm	$2,295	$191
16	Nationwide	$2,860	$238
16	Progressive	$3,869	$322
16	CSAA Insurance (AAA)	$4,636	$386
16	Farmers	$4,650	$388
16	USAA	$1,940	$162
17	Geico	$1,060	$88
17	Auto-Owners	$1,195	$100
17	Travelers	$1,492	$124
17	Allstate	$1,911	$159
17	State Farm	$1,976	$165
17	Nationwide	$2,747	$229
17	Progressive	$3,173	$264
17	Farmers	$3,545	$295
17	CSAA Insurance (AAA)	$3,556	$296
17	USAA	$1,327	$111
18	Geico	$953	$79
18	Auto-Owners	$1,086	$91
18	Travelers	$1,193	$99
18	State Farm	$1,705	$142
18	Allstate	$1,783	$149
18	Nationwide	$2,275	$190
18	Progressive	$2,549	$212
18	CSAA Insurance (AAA)	$2,827	$236
18	Farmers	$2,972	$248
18	USAA	$1,045	$87
19	Geico	$765	$64
19	Auto-Owners	$982	$82
19	Travelers	$927	$77
19	Allstate	$1,048	$87
19	Progressive	$1,418	$118
19	Farmers	$1,626	$136
19	State Farm	$1,448	$121
19	Nationwide	$1,822	$152
19	CSAA Insurance (AAA)	NA	NA
19	USAA	$860	$72
20	Geico	$695	$58
20	Auto-Owners	$878	$73
20	Travelers	$799	$67
20	Allstate	$1,005	$84
20	Progressive	$1,265	$105
20	Farmers	$1,426	$119
20	State Farm	$1,268	$106
20	CSAA Insurance (AAA)	NA	NA
20	Nationwide	$1,634	$136
20	USAA	$750	$63
21	Geico	$560	$47
21	Allstate	$661	$55
21	Travelers	$690	$58
21	Auto-Owners	$769	$64
21	Progressive	$1,079	$90
21	Nationwide	$1,130	$94
21	State Farm	$1,055	$88
21	Farmers	$1,466	$122
21	USAA	$468	$39
22	Geico	$497	$41
22	Allstate	$610	$51
22	Travelers	$639	$53
22	Auto-Owners	$716	$60
22	Progressive	$1,020	$85
22	Nationwide	$1,009	$84
22	State Farm	$963	$80
22	Farmers	$1,358	$113
22	USAA	$430	$36
23	Geico	$480	$40
23	Auto-Owners	$663	$55
23	Travelers	$611	$51
23	Allstate	$585	$49
23	Progressive	$928	$77
23	State Farm	$844	$70
23	Nationwide	$938	$78
23	Farmers	$1,246	$104
23	USAA	$406	$34
24	Geico	$463	$39
24	Auto-Owners	$628	$52
24	Travelers	$599	$50
24	Allstate	$576	$48
24	State Farm	$771	$64
24	Progressive	$854	$71
24	Nationwide	$875	$73
24	Farmers	$1,195	$100
24	USAA	$381	$32
25	Geico	$441	$37
25	Auto-Owners	$593	$49
25	Travelers	$528	$44
25	Allstate	$609	$51
25	State Farm	$695	$58
25	Progressive	$762	$64
25	Farmers	$704	$59
25	Nationwide	$780	$65
25	USAA	$326	$27
30	Geico	$388	$32
30	Auto-Owners	$405	$34
30	Travelers	$515	$43
30	Allstate	$564	$47
30	State Farm	$615	$51
30	Progressive	$696	$58
30	Farmers	$676	$56
30	Nationwide	$713	$59
30	USAA	$290	$24
35	Geico	$387	$32
35	Auto-Owners	$382	$32
35	Travelers	$511	$43
35	Allstate	$564	$47
35	State Farm	$605	$50
35	Progressive	$683	$57
35	Farmers	$677	$56
35	Nationwide	$698	$58
35	USAA	$285	$24
40	Geico	$385	$32
40	Auto-Owners	$374	$31
40	Travelers	$471	$39
40	Allstate	$564	$47
40	State Farm	$616	$51
40	Farmers	$713	$59
40	Progressive	$648	$54
40	Nationwide	$675	$56
40	USAA	$279	$23
45	Geico	$378	$32
45	Auto-Owners	$364	$30
45	Travelers	$471	$39
45	Allstate	$564	$47
45	Farmers	$655	$55
45	State Farm	$620	$52
45	Progressive	$644	$54
45	Nationwide	$651	$54
45	USAA	$269	$22
50	Auto-Owners	$351	$29
50	Geico	$378	$32
50	Travelers	$471	$39
50	Allstate	$530	$44
50	Farmers	$587	$49
50	Progressive	$592	$49
50	State Farm	$598	$50
50	Nationwide	$632	$53
50	USAA	$261	$22
55	Auto-Owners	$339	$28
55	Geico	$378	$32
55	Travelers	$446	$37
55	Allstate	$528	$44
55	Farmers	$546	$46
55	State Farm	$583	$49
55	Progressive	$576	$48
55	Nationwide	$613	$51
55	USAA	$257	$21
60	Auto-Owners	$341	$28
60	Geico	$378	$32
60	Travelers	$451	$38
60	Allstate	$544	$45
60	Farmers	$528	$44
60	State Farm	$568	$47
60	Progressive	$579	$48
60	Nationwide	$603	$50
60	USAA	$259	$22
65	Auto-Owners	$365	$30
65	Geico	$387	$32
65	Travelers	$492	$41
65	State Farm	$575	$48
65	Progressive	$622	$52
65	Nationwide	$613	$51
65	Farmers	$570	$48
65	Allstate	$659	$55
65	USAA	$279	$23
70	Geico	$420	$35
70	Auto-Owners	$413	$34
70	Travelers	$520	$43
70	State Farm	$610	$51
70	Allstate	$659	$55
70	Progressive	$660	$55
70	Nationwide	$641	$53
70	Farmers	$632	$53
70	USAA	$307	$26
75	Geico	$466	$39
75	Auto-Owners	$491	$41
75	Travelers	$567	$47
75	State Farm	$686	$57
75	Nationwide	$699	$58
75	Allstate	$794	$66
75	Progressive	$728	$61
75	Farmers	$718	$60
75	USAA	$359	$30

Read our methodology

Arizona minimum coverage cost by city

Tucson drivers pay the least for minimum coverage in Arizona at $550. However, Phoenix pay the most at $676.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Arizona.

City	Average annual premium	Average monthly premium
Tucson	$550	$46
Surprise	$570	$48
Gilbert	$597	$50
Scottsdale	$597	$50
Mesa	$600	$50
Chandler	$603	$50
Tempe	$614	$51
Peoria	$618	$51
Glendale	$668	$56
Phoenix	$676	$56

Read our methodology

Optional car insurance coverage in Arizona

Arizona requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Arizona car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Arizona?

Yes, Arizona requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/15.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Arizona?

If you're caught driving without car insurance in Arizona, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.