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Car insurance in Arizona

Arizona follows an at-fault system, with the at-fault driver's liability coverage paying for injuries and damage.

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Insurance regulator
Arizona Department of Insurance and Financial Institutions
Licenses insurers and handles consumer complaints.
Liability system
At-fault
The driver who causes a crash is responsible for the resulting injuries and damage, usually through their liability coverage.
Insura model tier
Elevated-cost tier
A model assumption, not an official ranking. The calculator adjusts the baseline by +10% for Arizona.
Average premium
Not yet published
Insura will add this when it can cite a source.
ZIP-level costs
Not yet published
The calculator currently adjusts by state only.

Insurance rules change. Confirm current requirements with the Arizona Department of Insurance and Financial Institutions before you buy or change a policy.