Arizona Car Insurance Driver’s Guide [Coverages + Advice]

The sixth-largest state and the 14th most populous, Arizona has a rich history and a beautiful landscape. If you live in Arizona or are planning to relocate there, you’re going to need to purchase car insurance in the state, and that process can be a little confusing.

There are different variables people use to pick the right insurance company. Price, service, and financial stability are usually all part of the decision to purchase with a certain provider.

Most people want to get the best coverage for the best price possible, but doing so can require an overwhelming amount of research. Who has the time? That’s why we’ve done the work for you. This guide will help you figure out what coverage you should have and how and where to get it, and we’ll also tell you everything you need to know about driving in Arizona

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Arizona Car Insurance Coverage and Rates

Almost every state requires drivers to have liability insurance to cover the injuries and damages that might occur as the result of an accident.

Bodily injury liability covers medical expenses and loss of wages. Property damage liability covers damage to a car or other structure (like a building, lamp post, etc.) that was caused by the accident. Liability insurance does not cover the costs for your injuries or damage to your car, only the other party’s. You will need comprehensive and collision insurance for your own damages.

Collision insurance covers damage you do to your vehicle. Comprehensive insurance pays for damages that are caused by external factors.

The state of Arizona requires the following minimum coverage for motorists:

• $15,000 for bodily injury or death to one person
• $30,000 for injury or death to more than one person
• $10,000 for property damage

The minimum requirement is just that — the bare minimum. Some experts suggest that drivers opt for considerably higher coverage:

• $100,000 for bodily injury or death to one person
• $300,000 for injury or death to more than one person
• $50,000 for property damage

What is Arizona’s car culture like?

Residents (and visitors) should know about the laws and the potential hazards of driving in Arizona. We’re going to help you out with that.

Arizona’s landscape features arid deserts, canyons, and mountain ranges, which means drivers here have to tackle all sorts of terrain. Then there are the busy urban areas like Phoenix and Tucson.

There are 3.8 million licensed drivers in the state, and vintage cars are especially popular here. Car enthusiasts from all over the country come to Arizona for the Copperstate 1000 vintage car rally every April and the Barret-Jackson collector car auction in January.

What is Arizona’s minimum coverage requirement?

The liability law in Arizona requires a minimum of $15,000 for financial responsibility for any one person in one accident. The minimum increases to $30,000 for two people involved in one accident. The minimum for property damage is $10,000.

If you don’t have proof of insurance when you’re stopped by law enforcement, you can be penalized with the suspension of your vehicle registration or possibly a license suspension. For these privileges to be reinstated you will need to pay fees and show proof of financial responsibility with the Arizona Motor Vehicle Department.

What are forms of financial responsibility in Arizona?

The state of Arizona requires all drivers to provide proof of financial responsibility in case of an accident.

If you’re caught driving without proof, your first offense can result in:

• At least a $500 fine
• Suspension of license/registration for three months

Your insurance card serves as proof of financial responsibility, or you can show a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer. An electronic version of your insurance card on your phone or tablet is acceptable as well.

What percentage of income is spent on car insurance in Arizona?

In 2014, the average Arizona resident had $34,321 in disposable income. The average cost of insurance in Arizona for the same year was $961.88. This means the average Arizona resident spent 2.80 percent of their income on car insurance. Arizonans fell below the national average of $40,726.26 for annual income in 2014, which means they paid a higher percentage of their income toward car insurance.

Want to figure out how much of your income goes toward car insurance? Use the calculator tool below.

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What are the core coverages in Arizona?

With an average rate of $1,062.23, Arizona residents pay $39.81 less than the average American for insurance. Twelve percent of Arizona drivers are uninsured; the state ranks 24th in the nation for uninsured drivers.

Take a look at the table below for data from the National Association of Insurance Commission (NAIC) from 2015. The data is based on the minimum coverage for the state of Arizona.

What additional liability is available in Arizona?

A loss ratio is found by dividing total losses in claims by the premiums earned. Medical payments coverage pays for medical and funeral expenses for people involved in car accidents. Personal injury protection provides coverage with a larger range of benefits to cover financial damages that can’t be recovered through a lawsuit.

Uninsured motorist coverage provides compensation for insured motorists injured by at-fault drivers who have no liability insurance. It also covers motorists if they’re in an accident with a hit-and-run driver or a driver whose insurance company denied them coverage.

Underinsured motorist coverage is for insured drivers that get into accidents with drivers who don’t have enough insurance to pay all of the damage incurred.

What add-ons, endorsements, and riders are available in Arizona?

You may also be interested in adding some of the following types of coverage to your policy:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-as-You-Drive or Usage-Based Insurance

Does gender or age affect my car insurance rate in Arizona?

Some states have passed laws preventing insurance companies from adjusting rates based on gender. Arizona is not one of them.

Your car insurance company will likely take your age, gender, and marital status into account when they issue your rate.

Teenagers are charged considerably more than adults, and teenage males pay the most out of any demographic. This is because they are both less experienced drivers and presumed to be more likely to behave recklessly. The highest rate of coverage for a 17-year-old male is offered by Farmers, at $11,976.04.

Geico has the lowest rates for teens, married 35-year-old females, and single 25-year-olds of both genders.

What are the cheapest rates by ZIP code in Arizona?

Insurance companies will also take your location into account when issuing your rate. Take a look at the table below, which shows the most expensive ZIP codes to live in based on car insurance costs in Arizona.

If you live in one of these ZIP codes, it looks like Geico is probably your most affordable option. USAA has cheap rates as well, but keep in mind that this company only services former and current members of the U.S. military and their families. The next table shows the rates for the cheapest ZIP codes.

Once again, Geico looks like a good choice, with Travelers also offering some inexpensive rates.

What are the cheapest rates by city in Arizona?

In the table below we have the cheapest Arizona cities to live in based on average insurance rates.

Lake Havasu City is the cheapest, followed by Topock. If you take a look at the next table, you’ll see the most expensive cities by average insurance rates, with Phoenix at the top of the list. This is not too surprising, as insurance rates are generally higher in more populous areas.

Best Arizona Car Insurance Companies

You know you need to have insurance, but finding the provider to suit your needs can be a difficult, frustrating endeavor. Don’t worry, we’ve got you covered. In this section, we’ll review the best insurance companies in Arizona.

What are the financial ratings of the largest car insurance companies in Arizona?

AM Best offers financial ratings on these companies ranging from exceptional (AAA) to poor (C). These ratings are based on the companies’ business profiles, financial statements, ongoing success, management, and many other factors. As you can see in the table below, USAA has the best rating on the list. Geico and Progressive have very good ratings as well.

Which car insurance companies have the best ratings in Arizona?

This next table is based on J.D. Power’s customer satisfaction surveys about insurance companies. J.D. Power uses a 1,000 point scale. State Farm has the best score with an 831, followed by Allstate and American Family, tied at 826. This is something to think about, as you definitely want a provider that cares about customer service.

Which car insurance companies have the most complaints in Arizona?

You might also want to take a company’s number of customer complaints into account. The information in the table below comes from the NAIC and represents data from 2019. Keep in mind, customers complain for many reasons, a high number doesn’t necessarily mean a company is not reputable.

What are the cheapest car insurance companies in Arizona?

Below you’ll find the average rate from each car insurance company in Arizona and how it compares to the overall average rate, which is $3,810.03 The company offering the cheapest rate is Geico at $2,262.79, which is $1,547.34 less than the national average.

Does my commute affect my car insurance rate in Arizona?

Some companies will charge you more if you have a long commute. Their reasoning is that the more time you spend on the road, the more likely it becomes that you’ll get into an accident. Take a look at the numbers below.

Allstate, Farmers, Nationwide, Progressive, and Travelers do not charge customers more for driving more miles, though Geico has the cheapest rates overall. This is something to think about if you have a longer commute.

Can coverage level change my car insurance rate with companies in Arizona?

You might also want to look at the rates based on different coverage levels.

In Arizona, Geico offers the cheapest rates for each coverage level.

How does my credit history affect my car insurance rate with companies in Arizona?

Having good credit is not only important for getting loans; it can also affect your insurance rate, as providers charge more for drivers they perceive to be a potential financial risk.

People with good credit are generally going to be issued lower rates.

Once again, Geico has the cheapest rates across the board for different credit histories.

How does my driving record change my rates with car insurance companies in Arizona?

Insurance companies will take your driving record into account as well. If you’ve had speeding tickets or accidents, your rates can go up considerably.

Geico has the lowest annual averages for drivers with a clean record, one accident, one speeding ticket, and one DUI.

Which car insurance companies are the largest in Arizona?

This next table will show you how much business each of the major car insurance companies do in Arizona.

Geico has the largest market share and the most in premiums written, which isn’t really surprising, as we’ve seen that their rates are cheapest in Arizona under a variety of different circumstances.

How many car insurance companies are available in Arizona?

There are many insurers in the United States and around the world. Arizona has 40 domestic insurers and 943 foreign insurers. Domestic just means the company is local, whereas foreign means a company is based outside the state but is licensed to do business across the country.

Arizona Laws

Every state has its own unique laws, including Arizona. Knowing these laws can help you avoid accidents, tickets, license suspensions, and increases to your insurance rates. Next we’re going to go over these laws to ensure you stay safe and legal on the road in Arizona.

What are the car insurance laws in Arizona?

The laws we’re going to discuss first are specific to car insurance in Arizona.

How State Laws for Insurance Are Determined

As we already discussed, states have their own laws about things like minimum liability coverage. This is a law that you must follow to drive legally in Arizona, but the state has laws that govern how insurance companies operate as well.

Windshield Coverage

Windshield cracks happen, but they don’t have to be a huge headache. Drivers are given two options for windshield coverage in Arizona. They can purchase full glass or safety glass coverage that allows for windshields to be repaired with no deductible.

Drivers also get to choose who does the repair and if the windshield is to be repaired or replaced. Aftermarket parts are allowed and must be equal in terms of quality and performance to original manufacturer parts.

High-Risk Insurance

An SR-22 is a form of financial responsibility often required for individuals that have a hard time getting insurance through traditional means (usually because of traffic offenses like DUI or multiple speeding tickets). Every state has its own laws governing how the process for acquiring an SR-22 works.

In Arizona, if a driver is convicted of a DUI, driving without a license, or reckless driving, they are required to have an SR-22. If drivers do not have a car, they are required to have a non-owner SR-22.

Low-Cost Insurance

Unfortunately, Arizona does not currently have a program in place to help low-income drivers afford car insurance.

Automobile Insurance Fraud in Arizona

The Insurance Information Institute defines insurance fraud as deception against or by an insurance company for financial gain. Fraud can be committed by applicants, policyholders, third-party claimants, and others. Different types of frauds include inflating claims, filing false reports for lost, or stolen vehicles, submitting claims for injury and damage that has not happened, and staging accidents.

In Arizona, insurance fraud is a crime.

According to the FBI, fraud costs the insurance business $40 billion a year and can result in higher rates for customers — up to $400–$700 a year. If you wish to report fraud, you can contact the Arizona Department of Insurance by mail:

Consumer Services Division
Arizona Department of Insurance
100 N. 15th Avenue.
Phoenix, AZ 85007

By phone: (800) 325-2548

Or email: investigations@azinsurance.gov

Statute of Limitations

A statute of limitations is the time you have to file a claim after an accident. In Arizona, the statute of limitations for personal injury or property damage claims is two years.

Arizona-Specific Laws

Some states have some interesting laws for their drivers, and Arizona is no different. Here are a few examples of laws that every Arizona driver should know:

• Drivers over the age of 18 do not have to wear a helmet if they are riding a motorcycle.
• It is illegal to ride a motorcycle where the handlebars are above the driver’s shoulders.
• Drivers cannot drive through gas stations to avoid waiting at intersections.

Let’s take a more in-depth look at some driving-related laws in the Grand Canyon State.

What are the vehicle licensing laws in Arizona?

If you’re planning on buying a vehicle in Arizona, you’ll need to get your title within 15 days. If you’re moving to Arizona, you’ll need to get your vehicle registered as soon as you establish residency. To obtain an Arizona title, a vehicle registration, and a license plate, you will need to do a few things first.

Your car will need to go through an inspection and pass an emissions test. The model of the car, the body, vehicle identification number, and other general information will need to be verified by the Motor Vehicle Division. This is not required if the car is from out of state and you have proof of ownership.

In addition to proving ownership, you’ll be required to prove you have liability insurance.

You’ll surrender your original title and be given an Arizona title and vehicle registration. Any liens on the vehicle will be noted on the Arizona title unless you get clearance from the lender.

REAL ID

Arizona is one of the many states compliant with the REAL ID Act. This act was implemented in 2005 by the federal government as a means to improve the reliability of state-issued documents. Beginning in October 2020, a REAL ID will be required to enter all federal facilities and to fly on commercial flights.

You will need to visit a branch of the Arizona Motor Vehicle Department to get a REAL ID, bringing with you proof of identity (birth certificate or passport), your social security number (social security card or W-2), and two pieces of proof of Arizona residency (utility bill, credit card statement, bank statement, or insurance policy).

Penalties for Driving Without Insurance

As we’ve mentioned, liability insurance is required to drive legally in Arizona. If you’re caught driving without insurance, you may receive a $500 fine and a three-month license and registration suspension for the first offense. If you’re caught a second time, the fine will be $750 or more plus a six-month license and registration suspension.

Teen Driver Laws

Most teens are pretty excited about getting their licenses, though they might be a little less excited about going through the whole process required to achieve that goal.

Arizona has a multi-stage licensing process for teen drivers. This is meant to help teens learn and gain experience over an extended period of time so they can become better drivers.

Teens can start driving at 15 years and six months old with adult supervision. The driver must put in at least 30 hours of supervised driving during this stage.

When a teen turns 16 they can apply for their Class G driver’s license. At this time, no driving is allowed from midnight to five a.m unless they have a parent or guardian in the car. They also cannot have more than one other person under age 18 in the car unless there is also an adult present.

Teens are allowed to drive at night if they’re coming to or from a school function, religious event, place of employment, or an emergency.

When teens turn 18 they can apply for a Class D driver’s license that is unrestricted.

Older Driver License Renewal Procedures

Drivers age 65 and older must renew their licenses every five years. Proof of adequate vision is required at every renewal. Arizona does not allow any drivers to renew by mail or online.

New Residents

If you’re moving to the state of Arizona, you must register your car in the state and get car insurance. The coverage that you have in one state may not be available in another state. Keep in mind that your rates may change when you move.

License Renewal Procedures

Driver’s licenses are renewed every 12 years. Proof of adequate vision is required and licenses cannot be renewed online or by mail. If you’re active-duty military stationed outside of Arizona, you must renew your license within six months of being discharged.

Negligent Operator Treatment System (NOTS)

The Negligent Operator Treatment System (NOTS) is a system whereby drivers are given points on their license for committing traffic offenses.

In Arizona, if a driver accrues eight points or more on their driver’s license in a 12-month period, they may be required to attend traffic school and/or their license may be suspended. DUI is an automatic eight points and a speeding offense is two points.

What are the rules of the road in Arizona?

Arizona has many rules to keep its drivers safe. Even though you may be familiar with most of them, it never hurts to have a refresher.

Fault Versus No-Fault

If a state has a no-fault system, all parties involved in an accident file a claim with their insurance companies. States that have an at-fault system require drivers to have personal injury protection.

Arizona follows the traditional fault-based system for accidents. This applies to injuries, loss of income, vehicle damage, and more. The person who is found to have caused the accident is responsible for filing a claim with their insurance carrier to cover the losses for both/all parties involved in the accident.

However, a person who suffers injury or damage can file a claim with their insurance company to see if their policy covers the loss.

The insurance holder can also file a third-party claim with the person at fault’s insurance company, or they can file a personal injury lawsuit in civil court against the driver at fault.

Seat Belt and Car Seat Laws

The maximum fine for not wearing a seat belt is $10 for the first offense. Children four years or younger and children between five and seven who are under 57 inches must be in a safety seat. An adult seat belt can be worn by children who are six and older if they are over 60 pounds. Everyone age 16 and older is required to wear a seat belt. The state also allows passengers to ride in the bed of a pickup truck.

Arizona does not have restrictions for riding in cargo areas.

Keep Right and Move Over Laws

In the Grand Canyon State, drivers are to keep right if they’re driving slower than the traffic around them or driving slower than the speed limit. Arizona also requires drivers to leave lanes that contain stationary vehicles with flashing lights or warning lights, including emergency vehicles and tow trucks.

Speed Limits

It’s important to know and follow the speed limits when you’re driving around Arizona so you can avoid accidents, tickets, and raises to your insurance rates. Even if you’re going along with the flow of traffic, if you’re speeding, you’ll still be held responsible.

In urban areas like Phoenix, the maximum speed limit is 55 MPH. On rural interstates, the maximum speed limit is 75 MPH, and on urban interstates and other roads it’s 65 MPH.

Remember, these are the maximum allowed speeds. Stay safe, and always drive slower when visibility is challenged or the roads are wet.

Ridesharing

If you drive for Lyft and Uber, they provide coverage while you’re on your way to pick someone up and while the customer is in your car, but if you’re just driving around waiting for a request, you’re not covered during that time. Rideshare insurance will fill in this gap for you.

Several different companies provide rideshare insurance in Arizona: Allstate, Geico, USAA, State Farm, Progressive, Mercury, American Family Insurance, and Farmers.

Automation on the Road

IIHS describes automation as the use of a camera, radar, sensors, or other equipment to perform tasks that were formerly performed manually by the driver.

The state of Arizona does not require the operator to be in a fully autonomous vehicle if the vehicle can achieve minimal risk conditions should a failure occur and if a vehicle that is fully autonomous can meet applicable laws.

What are the safety laws in Arizona?

Let’s take a closer look at the laws Arizona has in place to protect the safety of everyone on the road. These are some of the most important regulations, and breaking any of them can have disastrous consequences.

DUI Laws

You should never even consider getting behind the wheel after you’ve been drinking. If you’re pulled over and law enforcement finds your blood alcohol level to be 0.08 or higher, you will be cited for a DUI. The first and second offenses are misdemeanors, the third and subsequent offenses are felonies.

Marijuana-Impaired Driving Laws

Arizona has a zero-tolerance for THC and metabolites law. If you’re found to be operating a vehicle under the influence of drugs, you will be charged with a DUI. The first offense is a misdemeanor. If you have three offenses within seven years, you’ll be charged with Aggravated DUI, which is a felony.

If marijuana is found in your vehicle, you may have additional charges beyond the DUI.

Distracted Driving Laws

Arizona has a hand-held ban for all drivers, meaning you cannot use your cellphone while driving unless you’re using hands-free technology. New drivers still in the learner’s permit phase or the first six months of the intermediate phase may not use a cellphone at all while driving.

Texting and driving will soon be prohibited for all drivers; this law goes into effect on January 1, 2021. Certain cities such as Flagstaff, Phoenix, and Tucson have additional restrictions that ban texting while driving for all drivers.

Distracted driving is the cause of 11 percent of Arizona’s car accidents. In addition to using a cellphone, drivers may be distracted by talking to passengers, eating, putting on makeup, or changing the radio station. It’s very dangerous to take your eyes or your attention off the road even for a second while driving.

Driving in Arizona

Wondering how long it will take to get to your destination and how safe it will be? In this section, we’ll go over this information, along with fatality rates and commute times in Arizona.

How many vehicle thefts occur in Arizona?

According to data from the FBI, there were 15,894 vehicles stolen in Arizona in 2017. The highest number of thefts occurred in Phoenix (7,653), whereas the smaller towns of Jerome, Patagonia, Thatcher, and Williams had zero thefts. Take a look at the table below to see the most commonly stolen vehicles in Arizona in 2018, according to the National Insurance Crime Bureau (NICB).

How many road fatalities occur in Arizona?

Even if you’re a safe driver, you can’t control everything that happens all around you. We’re going to look at some data about road fatalities in Arizona so you can get a sense of what types of situations are potentially the most dangerous.

Most Fatal Highway in Arizona

The most fatal highway in Arizona is Interstate 40, which sees 25 fatal crashes per year.

Fatal Crashes by Weather Condition and Light Condition

Surprisingly, the highest number of fatal accidents occur during daylight in normal conditions, while relatively few fatal accidents occur in the snow or sleet. This is likely because drivers are going slower and exercising more caution when the roads are slick.

Fatalities (All Crashes) by County

The table below shows the number of fatalities by county from 2014–2018. As you can see, the county with the highest number of fatalities in Arizona is Maricopa, which saw an increase in the number of deadly crashes almost every year. It makes sense that Maricopa would have the highest number of fatalities, as this is where Phoenix is located; it’s a very populous area.

Traffic Fatalities

The next table divides the fatalities by rural and urban areas and also charts the five-year period from 2014–2018.

The urban parts of Arizona see almost twice as many road fatalities as the rural parts every year; again, this may be in large part due to population density.

Fatalities by Person Type

Below, you’ll see the fatalities broken down by person/vehicle type so you can see who is most likely to be involved in a fatal accident.

The standard passenger car sees the highest number of fatalities every year, with pickup trucks and light utility trucks alternating between second and third, depending on the year.

Fatalities by Crash Type

The next table shows the different crash types that caused fatalities in Arizona from 2014–2018.

There were a considerable number of single-vehicle crashes every year in the state, but it’s also worth noting that speeding and roadway departures are common causes of fatal accidents.

Five-Year Trend for the Top 10 Counties

Below we have the 10 Arizona counties with the highest number of fatalities over the years 2014–2018.

Maricopa County had the highest number every year, again, likely due to this being a highly populated county.

Fatalities Involving Speeding by County

Speeding is dangerous no matter where you live. Next you’ll see the 10 Arizona counties with the highest number of speeding-related fatalities, with Maricopa County once more topping out with the most.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

As we’ve already discussed, driving under the influence is also extremely dangerous, and the proof is in the table below, which features the 10 Arizona counties with the highest number of alcohol-impaired driving fatalities. Remarkably, Greenlee County only had two DUI fatalities over the five-year period.

Teen Drinking and Driving

Getting behind the wheel after drinking is even more dangerous for young, inexperienced drivers. Below are the statistics for teen arrests and fatalities for drinking and driving in Arizona.

The nationwide average for teen alcohol-related driving fatalities is 1.2 per 100,000 population, so Arizona’s average of 1.6 is not great. As you can see, the state ranks 14th in the U.S. for highest number of teen DUI fatalities.

EMS Response Time

This next table has emergency services (EMS) response times for urban and rural areas. Unsurprisingly, it takes EMS longer, on average, to reach people in the rural parts of Arizona.

What is transportation like in Arizona?

So how do most Arizonans get around? And what should you expect in terms of traffic? Keep reading; this will be especially good information to know if you’re new to Arizona or planning to move there soon.

Car Ownership

Almost 42 percent of Arizona households have two cars. This is on par with the national average, as roughly 40 percent of Americans own two cars as well.

About 20 percent of Arizona households have one car, and just over four percent do not own a vehicle at all.

Commute Time

It takes the average Arizonan 24 minutes to get to work, which is just short of the average American worker’s commute time of 25.7 minutes. A small percentage of Arizonans have a super-commute, meaning it takes them 90 minutes or more to get to work.

Commuter Transportation

In 2018, most Arizonans reported getting to work by car.

More than 75 percent drove alone, 11 percent carpooled and almost seven percent work from home. More than 100,000 households ride motorcycles to their destinations.

Traffic Congestion in Arizona

Traffic congestion is frustrating and can take up a lot of your time when you’re just trying to get to work. But did you know it actually costs you a considerable amount of money as well?

Phoenix, Arizona is the 125th most congested city in the world and the 22nd in the United States. In 2018, Phoenix residents spent 73 hours in traffic. The total cost of congestion per driver was $1,013.

Phoenix drivers spend 10 extra minutes per half-hour traveling in the morning during peak time. They spend 11 extra minutes per half-hour traveling in the evening during peak time.

The congestion level in the city is 17 percent on average and the worst day for traffic in 2018 was Valentine’s Day when the congestion level was at 32 percent. The best day to travel was Christmas Day when congestion was only at two percent.

The least congested days of the week in Phoenix are Saturday and Sunday.

The most congested times of the week are 7 a.m. and 5 p.m. on weekdays. This makes sense, as these are the times most people are traveling to or from work. The times with the least congestion are 12–5 a.m. and 7–10 p.m.

Transportation organizations use a few different measures to report on congestion in a given area. A traffic Index is a composite of the amount of time people spend in traffic, while a time index is the average length of a one-way commute. An inefficiency index measures how well (or poorly) traffic is generally flowing. Take a look at the data below for Phoenix.

Both Tucson and Phoenix appear on Numbeo’s list of the 57 North American cities with the highest traffic indexes, meaning it can be pretty slow going in both of these areas.

Conclusion

Hopefully you feel better equipped to shop for car insurance and take to the roads (safely and legally) in Arizona after reading this guide.

Did we miss anything? Which part did you find most helpful?

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