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.
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.
