Arizona Car Insurance Requirements & Average Rates (2026)

Arizona requires drivers to carry at least 25/50/15 liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 in property damage — with an average minimum-coverage policy running about $662 a year in 2026. For how Arizona compares to other states, see our car insurance rates by state guide.

Arizona's 2026 minimum coverage requirements

These limits did not change for 2026. Arizona is an at-fault state.

What minimum coverage actually costs in 2026

Arizona's average minimum-coverage policy runs around $662 a year, with GEICO reported as the cheapest major carrier at roughly $435 a year for minimum coverage — a meaningful discount below the state average worth confirming with a live quote. As in most states, full coverage costs significantly more than minimum liability; see our liability vs. full coverage guide for the typical nationwide gap.

Why Arizona rates run close to average

Arizona's 25/50/15 minimum is a fairly standard at-fault liability structure, without the added no-fault PIP requirements that push states like Florida and Michigan higher. Rates vary meaningfully within the state — the Phoenix and Tucson metro areas carry higher averages than smaller cities and rural counties, driven by traffic density and claims frequency.

How to lower your Arizona premium

The same nationwide levers apply: raising your deductible, bundling home and auto, and shopping multiple carriers rather than auto-renewing. See our 10 ways to lower your premium guide for the full ranked list. Arizona's large retiree population also makes the senior driver discount and rate guide worth a look if it applies to you.

Frequently asked questions

What is Arizona's minimum car insurance requirement in 2026?+

25/50/15 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $15,000 in property damage. These limits did not change for 2026.

What is the cheapest car insurance in Arizona?+

GEICO has been reported as the cheapest major carrier for minimum coverage in Arizona, at roughly $435 a year, below the state's overall average of about $662 a year.

Is Arizona an at-fault or no-fault state?+

Arizona is an at-fault state. The driver who causes an accident is financially responsible for the other party's injuries and damage through their liability coverage.

Do I need to update my coverage for 2026 in Arizona?+

No — Arizona's minimum liability requirements did not change for 2026, so an existing compliant policy remains compliant without any action needed.