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Arizona Insurance Information

Arizona is home to one of the hottest climates in the nation, so perhaps it is no coincidence that Arizona is also one of the hottest spots for accidents. Despite this fact, the cost of car insurance in Arizona is among the lowest across the United States. This is great news for residents of Arizona, as having an automobile is almost a necessity if you are going to be living in the Grand Canyon State. The large size of the state combined with a lacking public transportation system makes purchasing a car and auto insurance that much more important.

The articles and statistics found in this section will equip you with the information you need to answer all of the questions you might have about Arizona auto insurance. If you are interested in getting a fast and easy Arizona car insurance quote online, we would be more than happy to help provide you with one. Just use the form located at the top of this page, within moments you will have a free AZ auto insurance quote and a better idea of how much car insurance is going to cost you in the Copper State.

In addition to providing essential AZ car insurance statistics and information, we can also assist you with locating a plethora of businesses related to car insurance; ranging from the nearest MVD in your area to the closest insurance agent. If you are interested in viewing business locations or information and statistics more focused on your locality, feel free to select your city from the list of cities found at the bottom of this page.

Arizona Population Data At-a-Glance

6,392,017 total population
35 average citizen age
89 males per 100 females
10 number of cities with > 100,000 residents
Phoenix largest city in the state

Vital Arizona Insurance Facts

Having a strong understanding of your state insurance facts and information makes it easier to manage and customize your policy. By ensuring you have essential coverage and meet basic requirements such as the state minimum coverage, you can enjoy peace of mind.

Average Annual Arizona Insurance Premium Payment


About $85.92/Month. Arizona ranks as the 44th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 1,150,536 Uninsured Drivers in the State of Arizona

AZ Licensing Rules & Regulations

Each state is unique when it comes to licensing rules and regulations. Make sure you are complying with the laws to avoid fines or other punishments. Infractions such as driving with an expired license can bring serious consequences.

Learner's Permit

15.5 Years

Unrestricted License

16.5 Years

Renewal Frequency

65 Years

Safety Requirements, Handheld Devices in Arizona

Responsible policyholders should make the effort to adhere to all safety requirements. The laws concerning handheld phone usage and text-messaging vary between individual states. Make sure you know the laws of the area in which you are driving.

Seatbelt Offenses


Motorcycle Helmets

17 and Under

Handhelds Banned?


Text-Messaging Banned?


Arizona Impaired Driving Laws

Impaired driving laws vary dramatically between each state. While it is always important to not drink and drive, knowing the impaired driving limits can help you make responsible decisions before operating a motor vehicle.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

180 Days

SR-22 Required?


Open Container Law