Arizona Car Insurance Requirements & Average Cost (2026)
Arizona requires 25/50/15 liability coverage, enforces pure comparative fault, and mandates a zero-deductible glass replacement option.
Driving in the Grand Canyon State requires meeting statutory financial responsibility standards enforced by the Arizona Motor Vehicle Division (MVD). Arizona drivers also benefit from specialized glass replacement statutes designed for desert highway driving.
| Coverage Level | Average Annual Premium | Monthly Cost | Key Coverages Included |
|---|---|---|---|
| State Minimum Liability Only | $740 | $62 | 25/50/15 Bodily Injury and Property Damage |
| Standard Coverage (50/100/50) | $1,140 | $95 | Higher liability cushions against uninsured drivers |
| Full Coverage (100/300/100 + Comp/Coll) | $2,190 | $183 | Includes $500 collision deductible and zero-deductible glass |
| Senior Drivers (Age 65+ Clean Record) | $1,650 | $138 | Standard full coverage with mature driver discount |
Statutory Minimum Liability (25/50/15)
Under Arizona Revised Statutes § 28-4009, all motorists must maintain minimum liability coverage of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage liability. Note that Arizonas $15,000 property damage minimum is dangerously low in modern multi-vehicle accidents.
Full Glass Safety Equipment Coverage (A.R.S. § 20-264)
Due to desert heat and highway gravel, Arizona law mandates that auto insurers offer comprehensive coverage with a separate, zero-deductible safety equipment (glass) endorsement, allowing drivers to replace cracked windshields with zero out-of-pocket costs.
Frequently asked questions
- Is uninsured motorist coverage required in Arizona?
- No, but insurers must offer it in writing. Given that over 12% of Arizona drivers lack insurance, carrying UM/UIM is strongly recommended.
- What is pure comparative fault in Arizona?
- Under A.R.S. § 12-2505, you can recover damages even if you are 99% at fault, though your financial award is reduced by your exact proportion of negligence.
Sources and references
More in State insurance guides
- California Car Insurance Requirements & Average Cost (2026)
- Texas Car Insurance Requirements & Average Cost (2026)
- Florida Car Insurance Requirements & No-Fault Law (2026)
- New York Car Insurance Requirements & No-Fault Law (2026)
- Ohio Car Insurance Requirements & Average Cost (2026)
- Pennsylvania Car Insurance Requirements & Full vs Limited Tort (2026)