High heat, hail risk, and growing metro population drive above-average rates.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Arizona was approximately $1,137/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Arizona Department of Insurance and Financial Institutions — licenses carriers and agents in Arizona, reviews rate filings, and handles consumer complaints.
Arizona Department of Insurance and Financial Institutions — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Arizona is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks