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Written by Sarah Archambault
Sarah Archambault
Insurance Writer, Editor
- Experienced personal finance writer
- Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Edited by Katie Powers
Licensed P&C Agent, Senior Insurance Editor
- Licensed auto and home insurance agent
- 4+ years experience in insurance and personal finance editing
- NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed by Mark Friedlander
Senior Director, Media Relations, Insurance Information Institute
- Media relations director for Insurance Information Institute
- 20+ years in insurance and communications
- Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
What is liability car insurance?
Liability car insurance covers injuries and property damage you cause others in an accident, including passengers in your car.[1] Like most states, Arizona requires drivers to have minimum liability coverage, which ensures you can pay for medical bills and repair costs after an accident.
Liability insurance is usually more affordable than full coverage. But liability insurance doesn’t cover your injuries or vehicle damage, and can leave you exposed to financial loss following an at-fault accident. Drivers looking for the best car insurance in Arizona may want to purchase full-coverage insurance for better financial protection.
Find Cheap Car Insurance in Arizona
Compare quotes in the Grand Canyon State, starting at $48 per month.
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Cheapest liability car insurance in Arizona
The average cost of car insurance in Arizona is $89 per month for liability coverage and $162 for full coverage. Factors like your driving history, age, credit, and ZIP code can affect how much you pay for car insurance.
The table below shows the cheapest rates for liability-only coverage in Arizona, according to Insurify data.
| Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $48 |
| Just Pay-Per-Mile | $48 |
| Mile Auto | $55 |
| Progressive | $56 |
| State Farm | $59 |
| Sun Coast | $62 |
| Certainly | $64 |
| Aspire General | $65 |
| Novo Flex | $66 |
| USAA | $66 |
| Mercury | $70 |
| Novo Next | $71 |
| The General | $72 |
| Novo | $75 |
| GEICO | $80 |
| Hiroad | $80 |
| Just Unlimited | $80 |
| Dairyland | $82 |
| Safeco | $82 |
| Bristol West | $83 |
| National General | $85 |
| Direct Auto | $86 |
| Commonwealth Casualty | $94 |
| Trexis | $94 |
| AssuranceAmerica | $95 |
| Clearcover | $95 |
| GAINSCO | $97 |
| Allstate | $98 |
| Travelers | $101 |
| Covercube | $106 |
| Mendota | $106 |
| Insurify Car | $107 |
| First Acceptance | $111 |
| Country Financial | $114 |
| American Family | $115 |
| The Hartford | $118 |
| Farmers | $119 |
| Root | $131 |
| Nationwide | $134 |
| Hugo | $135 |
| Liberty Mutual | $135 |
Minimum liability car insurance requirements in Arizona
Arizona state law requires drivers to carry a minimum amount of liability car insurance. Liability coverage helps pay for injuries and damage you cause to others in an accident.
You need to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage in Arizona. You also must have at least $15,000 of property damage liability coverage.
The table below lists the coverage you need to legally drive in Arizona.
| Coverage Type | Minimum Requirement in Arizona |
|---|---|
| Bodily liability insurance | $25,000 per person / $50,000 per accident |
| Property damage liability insurance | $15,000 in property damage |
Is minimum liability coverage enough in Arizona?
Minimum liability insurance may not be enough coverage for all situations in Arizona. Insurance professionals typically recommend Arizona drivers carry 100/300/100 limits of liability coverage for greater financial protection from at-fault accidents.
If you cause a car accident in Arizona, liability coverage pays only for injuries and damages to other people, vehicles, and property. Unlike full coverage, it won’t pay for your vehicle’s repairs if you caused the accident, or protect it from theft, vandalism, or weather damage.
These are some situations when you may want to consider additional coverage in Arizona:
- You finance your vehicle. If you lease or finance your car, lenders usually require you to have full coverage to protect their investment.
- You drive a new vehicle. Newer cars cost more to repair than older models. Adding collision and comprehensive coverage can help if you hit an object or if someone steals your car.
- You want to cover medical costs. Medical payments coverage (MedPay) covers medical bills, rehabilitation services, or funeral expenses for you and your passengers after an accident, regardless of fault.
- You want protection from uninsured/underinsured drivers. Uninsured/underinsured motorist coverage helps pay for injuries and damages if a driver with either no coverage or insufficient coverage hits you. It also covers losses from hit-and-runs.
Penalties for driving without liability insurance in Arizona
Driving without liability insurance in Arizona can have steep penalties. You could face fines and suspension of your driver’s license, registration, and plates. You will also have to file an SR-22 certificate of financial responsibility.
Here’s how the penalties break down if you’re caught driving without liability insurance in Arizona.
| Offense | License and Registration Suspension | Fine | Other Penalties |
|---|---|---|---|
| First offense | Three months | $500 | SR-22 certificate requirement |
| Second offense | Six months | $750 | SR-22 certificate requirement |
| Third offense | 12 months | $1,000 | SR-22 certificate requirement |
How to find cheap liability car insurance in Arizona
Arizona liability car insurance rates are already slightly lower than the national average. Below are some strategies to help you find even cheaper rates in Arizona:
- Ask about discounts. Auto insurance discounts can help lower your rates. Ask your insurer which discounts you may qualify for, like safe driver, good student, pay-in-full, and multi-vehicle discounts.
- Consider bundling. Combining your Arizona car insurance with homeowners or renters insurance from the same company can lower your premiums on both policies.
- Switch to usage-based coverage. Drivers with a clean record or who don’t drive often may save by switching to a telematics program or pay-per-mile coverage. Pay-per-mile insurance might be a good option for Arizona drivers with a DUI and teens.
- Shop around for the best rate. Compare rates from at least three insurers to find the best rates in Arizona. Check Arizona auto insurance quotes every six months to make sure you’re still getting the lowest rate.
Liability car insurance in Arizona FAQs
Before buying liability car insurance in Arizona, check out the answers to these commonly asked questions.
- Typically, no. State-minimum car insurance usually isn’t enough coverage if you cause a serious accident in Arizona. Medical bills, legal expenses, and repair costs can quickly exceed the state’s 25/50/25 minimum limits. Consider full-coverage insurance if you want added protection, drive a new car, or finance your vehicle.
- Just Pay-Per-Mile, Auto-Owners, and Mile Auto offer the cheapest average liability insurance in Arizona, according to Insurify data. But your personal rates can vary due to many factors, including your ZIP code, age, gender, credit history, and driving record.
- On average, liability insurance costs $89 per month in Arizona, according to Insurify data. But your exact rate depends on factors like your driving record, ZIP code, and vehicle type.
- Comparing rates from different insurers can help ensure you have the cheapest liability insurance in Arizona. You can also bundle your auto coverage with homeowners insurance, ask about discounts, or sign up for a telematics program.
Sources
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Arizona Department of Transportation. "How long am I required to have an SR22?."
- Insurance Information Institute. "How to save money on car insurance."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.