Arizona
- ~$55–$70
- ~$160–$185
- $25K/$50K/$15K
Arizona’s rapid growth and urban sprawl have brought rising accident and theft rates, leading to above-average insurance premiums. Phoenix alone sees the bulk of traffic incidents in the state. While rural areas carry fewer risks, extreme weather and limited transit options make car ownership a must. Arizona drivers face rising rates, high theft, and growing congestion in key cities.
Find a local Auto Insurance agents in your town:
Arizona Auto Insurance Facts *
Drivers
- ~5.4–5.6 million licensed drivers as of 2023
- Significant growth in Phoenix, Tucson, and surrounding suburbs due to population influx.
- High usage of cars, trucks, and SUVs.
- Large retiree population increases insurance coverage customization (e.g., stored vehicles, seasonal drivers).
- Estimated uninsured driver rate: ~12%
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~127,000 | ~36,500 | 916 |
| 2019 | ~129,750 | ~36,800 | 980 |
| 2020 | ~98,800 | ~28,300 | 1,057 |
| 2021 | ~121,300 | ~33,400 | 1,180 |
| 2022 | ~119,990 | ~33,500 | 1,294 |
Laws & Regulations
- Fault-based system.
- Uninsured/underinsured motorist coverage is optional but widely recommended.
