Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Arizona Car Insurance Overview
Arizona StatisticsDetails
Road Miles
Total in State – 65,593
Vehicle Miles Driven – 62.6 Million
Vehicles 5,407,097
Most Popular Vehicle
Ford F150
Average Annual RatesLiability – $508.76
Collision – $277.96
Comprehensive – $186.12
Combined Premium: $972.85
Percentage of Motorists Uninsured12%
State Rank – 24th
Cheapest Provider Civil Service Employees & Western General
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Want to be in four states at one time? Arizona is your place. At Four Corners in Arizona, you can be in Arizona, New Mexico, Colorado, and Utah. This sixth largest state became the last state of the contiguous United States in 1912.

Arizona is known for its beautiful sights, including, the Grand Canyon, the Hoover Dam, Petrified Forest, and even the original London Bridge that was dismantled in London and shipped to Arizona for reconstruction.

If you are lucky enough to call this fun-filled state home, you probably own a vehicle to get around to all these awesome sights. Who wants to be researching insurance when you can be boating on Lake Mead? Let us do the hard work. Read ahead to learn about insurance carriers in Arizona, as well as state laws and rules of the road.

And don’t forget, once you read and know all the facts regarding Arizona insurance you can even get a car insurance quote here.

Table of Contents

Arizona Car Insurance Coverage and Rates

How much insurance do you need? That is usually the first question most people have when shopping for insurance.

We are going to take a look at how much insurance you need to legally drive your car on Arizona roadways and also some other coverages that may not be required by law but are good to ask your carrier about when getting an insurance quote. We are also going to take a brief look at the cheapest ZIP codes in Arizona for insurance.

Let’s start by looking at requirements the law has for you, the driver. Minimum limits are financial responsibility are up first in this section.

Minimum Coverage

Most states, if not all, will require minimum limits to legally drive your registered vehicle on their roadways. Arizona has minimum limits by state law you need to keep on your vehicle.

If you are at fault, liability coverage is used for the other party involved that is NOT at fault. If you carry minimum limits and your policy is exhausted and does cover the entire loss, you could be held liable for damages not paid.

The below table shows the minimum liability limits required to drive in Arizona.

Arizona Minimum Car Insurance Coverage Requirements
Insurance Required in ArizonaMinimum Limits –15/30/10
Bodily Injury Liability$15,000 per person
$30,000 per accident
Property Damage Liability$10,000
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We will look at additional coverages and endorsements below. While minimum limits may be the cheapest coverage, it is not always best to carry the lowest needed coverage. Talk to your insurance carrier about additional coverages.

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Minimum coverage rates vary from state to state.

Forms of Financial Responsibility

Any time during a traffic stop, accident, or requested by a police officer you must show proof that you are financially responsible to have your registered vehicle on the road. Proof of financial responsibility includes your current insurance policy or insurance ID cards.

Premiums as a Percentage of Income

How much of your paycheck is going to insurance?

Here is a table of the three-year trend in Arizona of what percentage of your paycheck is going towards insurance.

Arizona Car Insurance as a Percentage of Income
YearsCar Insurance as a Percentage of Income
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The trend shows that Arizonans are spending less of their income on car insurance.

Average Monthly Car Insurance Rates in AZ (Liability, Collision, Comprehensive)

Most auto insurance policies consist of liability coverage, collision, comprehensive, or a combination of all three called full coverage. Liability covers the other person when you are at fault. Comprehension and collision cover your vehicle.

Here is a short video explaining the basic coverages of most insurance policies.

Below is a chart of average premiums compared to the national average for the above coverages.

Arizona Average Annual Car Insurance Rates by Coverage Type
Types of CoverageAverage Annual Rates in ArizonaAverage Annual Rates Nationally
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Arizona falls below the national average price in three out of four coverages. That is good news for Arizona drivers.

Additional Liability

There is additional liability coverage you can add to your insurance policy. Medical payment coverage is to be used to cover the medical expenses of those in your vehicle at the time of an accident.

Uninsured and Underinsured motorist coverage protects you when you are involved in an accident and the other party doesn’t have any or enough insurance to cover your expenses.

Arizona is ranked 24th in the nation for uninsured motorist.

Loss Ratio is the ratio of claims paid to the premium earned. If your insurance carrier has a ratio of over one hundred percent, they may be losing money. If they have a lower ratio, they have probably overpriced their policies.

Arizona Average Annual MedPay & Uninsured/Underinsured Motorist Car Insurance Coverage Loss Ratio
YearsMedPay Loss RatioUninsured/Underinsured Motorist
Loss Ratio
201469.21 %
75.40 %
201377.92%81.35 %
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Add-ons, Endorsements, and Riders

Below is a list of additional endorsements you can discuss with your insurance carrier to see if they are a good fit for your insurance needs.

Now, let’s take a look at how your age and gender can affect your annual car insurance rates.

Average Car Insurance Rates by Age & Gender in AZ

There are certain demographics that will change the rate of your insurance premium. Here is a table showing average premiums by gender, age, and marital status.

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Arizona Average Annual Car Insurance Rates by Marital Status, Age, & Gender
CompaniesMarried 60-year old female annual ratesMarried 60-year old male annual ratesMarried 35-year old female annual ratesMarried 35-year old male annual ratesSingle 25-year old female annual ratesSingle 25-year old male annual ratesSingle 17-year old female annual ratesSingle 17-year old male annual rates
American Family$2,524.19$2,524.19$2,748.94$2,748.94$2,748.94$3,227.56$7,241.04$9,439.65
State Farm$2,538.55$2,538.55$2,878.25$2,878.25$3,098.04$3,919.15$8,933.99$11,220.20
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Younger drivers will always pay more for car insurance due to their inexperience on the road.

Cheapest Rates by ZIP Code

We have compiled data showing the average premium for each ZIP code in Arizona. Take a look at the data below and see where your ZIP code lands on the list.

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25 Arizona ZIP Codes With the Cheapest Annual Car Insurance Rates
Arizona ZIP CodesCheapest Average Annual Rates
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Compare those rates with the average rates in the ZIP codes with the most expensive insurance.

25 Arizona ZIP Codes With the Most Expensive Annual Car Insurance Rates
Arizona ZIP CodesMost Expensive Average Annual Rates
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If you live in ZIP code 85009, you can expect to pay a little less than $5,500 a year for car insurance. That’s almost twice as much as you would pay for car insurance in the cheapest ZIP code — 86403.

Cheapest Rates by City

Now that we have broken the rates down by ZIP code, let’s take a look at the breakdown by cities.

25 Arizona Cities With the Cheapest Annual Car Insurance Rates
Arizona CitiesCheapest Average Annual Rates
Lake Havasu City$2,935.94
Bullhead City$3,028.47
Temple Bar Marina$3,049.56
Huachuca City$3,055.06
Sierra Vista$3,059.16
Golden Valley$3,059.25
Fort Mohave$3,066.87
San Simon$3,073.06
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Residents of Lake Havasu City pay the least for car insurance each year. Compare their rate with what the residents in the cities below are charged.

25 Arizona Cities With the Most Expensive Annual Car Insurance Rates
Arizona CitiesMost Expensive Average Annual Rates
El Mirage$4,371.02
Paradise Valley$4,326.68
Glendale Luke AFB$4,294.56
Queen Creek$4,280.17
Cave Creek$4,145.71
San Tan Valley$4,138.36
Litchfield Park$4,118.30
New River$4,110.13
Tortilla Flat$4,092.31
Fort Mcdowell$4,086.90
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If you want to avoid paying a lot for car insurance, look for a home outside of Phoenix.

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Best Arizona Car Insurance Companies

We know that we have to keep insurance on any registered vehicle. Now, we are going to compare companies. Price is just part of the equation in finding an insurance company. We are going to look at which companies are the largest, best customer service, and which ones have the best rates for quoting criteria.

Let’s take a look at how companies’ rates compare to the state average.

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Read on to find out which company may be a good fit for your Arizona car insurance.

The Largest Companies Financial Rating

AM Best is a global crediting agency focusing on insurance companies. We use this rating as an indication of financial stability.

A.M. Best Ratings of the Top 10 Arizona Insurance Companies
CompaniesA.M. Best Ratings
State Farm
Berkshire HathawayA++
Liberty MutualA
American FamilyA
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You are in good hands with the largest companies in Arizona. The top 10 companies have received an A or higher rating.

Companies With Best Ratings

A company may have good rates and financial standing, but are they good to its customers? Price may be a good selling point to new customers but having great customer service is what will keep your customers.

Below is the ranking for overall customer satisfaction in the Southwest.

J.D. Power Customer Satisfaction Index Ranking – Southwest Region
Car Insurance CompaniesJ.D. Power Circle Ratings
The Hartford832
State Farm831
American Family826
Liberty Mutual813
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USAA is available to people who are or have served in the military and their immediate family members.

Companies With Most Complaints in Arizona

Every company will eventually get a bad review or complaint. If a company gets an excessive amount of complaints, then that is something you should watch out for when picking an insurance company.

This table shows the number of complaints along with the ratio.

Complaint Ratios of Arizona Car Insurance Companies
CompaniesComplaint RatiosNumber of Complaints
State Farm0.441,482
Liberty Mutual5.95222
American Family0.7973
The Hartford4.689
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Remember, the larger a company is, the more insureds they will have, and they could have more complaints. It is good to look at the ratio as a solid indicator of the true amount of complaints a company receives.

Commute Rates by Companies

Do you have a long commute to work every day? The average Arizonan has a commute of over 25 minutes. Let’s take a look to see if the long commutes really make a difference in your insurance rates.

Arizona Average Annual Car Insurance Rates by Commute
Companies10-mile commute.
6,000 annual mileage.
25-mile commute.
12,000 annual mileage.
American Family$4,110.32$4,190.54
State Farm$4,631.04$4,870.20
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Some companies do not surcharge for longer commutes, while others have a very minimal rate increase for more miles covered in a year.

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Commute distance does not affect your rates as much as some other factors.

Coverage Level Rates by Companies

Many drivers looking for insurance assume when you get a much higher coverage you will be paying a lot more out of pocket. The below table shows the premium difference between high, medium, and low coverage.

Arizona Average Annual Car Insurance Rates by Coverage Level
CompaniesLow CoverageMedium CoverageHigh Coverage
American Family$3,995.23$4,282.99$4,173.07
State Farm$4,275.90$4,837.71$5,138.26
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It is surprising to see how little some companies vary with a difference in coverage. You should always quote out your insurance. It can never hurt to request a quote for higher coverage to see exactly what the cost will be.

Credit History Rates by Companies

A credit-based insurance score is used in determining a rate for a driver. A credit-based score differs from a regular credit score. A credit rating for insurance takes a look at your credit at a certain time frame.

Some people do not understand that your credit will affect not only large purchases and interest rates, but it is also used in determining your insurance rates.

Below are accumulated rates based on good, fair, and poor credit rates.

Arizona Average Annual Car Insurance Rates by Credit History
CompaniesGood CreditFair CreditPoor Credit
State Farm$2,124.14$3,387.26$8,740.46
American Family$3,347.92$3,885.37$5,217.99
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You can see just how much your credit determines your insurance rate.

Driving Record Rates by Companies

The most known factor that affects your insurance rate would probably be your driving record. A clean record will obviously be the lowest rating due to your driving record, but below you can see just how much that speeding ticket will cost you.

Arizona Average Annual Car Insurance Rates by Driving Record
CompaniesClean recordWith one speeding violationWith one accidentWith one DUI
American Family$2,939.21$3,414.84$4,574.11$5,673.56
State Farm$4,321.08$4,750.62$5,180.16$4,750.62
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Clearly, a DUI will drastically increase your premium more than any other traffic violation. Not only can a DUI cost you in your insurance premium, but as you read further you can also see how else having a DUI can affect you.

Largest Car Insurance Companies in Arizona

Below is a list of the ten largest insurance carriers in Arizona and their share of the market.

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Top 10 Arizona Car Insurance Companies by Market Share
CompaniesPremiums WrittenMarket Share
State Farm$818,98216.87 %
Geico$723,48214.91 %
Progressive$513,33310.58 %
Farmers$393,1578.10 %
Allstate$369,1537.61 %
USAA$362,7667.47 %
Liberty Mutual$279,3435.76 %
American Family$276,8335.70 %
Hartford$109,1742.25 %
CSAA$100,1872.06 %
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State Farm dominates the car insurance market in Arizona followed closely by Geico.

Number of Insurers by State

Insurers are divided into foreign or domestic. Almost all of the car insurance companies in Arizona are considered foreign.

Arizona Foreign & Domestic Car Insurance Companies
Property & Casualty Car Insurance Company TypesNumber of Companies
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Most people think foreign and think of another country. In the insurance world, it just means the company was founded in a different state but can still write in other states.

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Arizona State Laws

Every state has its own set of laws, some overlap and some are different depending on the state. In this next section, we are going to look at some different car insurance laws including registration laws, rules of the road, and safety laws.

It’s good to take a look at the laws pertaining to your state. This can avoid unwanted fees and suspensions. Read ahead to save yourself the hassle of being caught off guard when driving Arizona.

Vehicle Licensing Laws

First, we are going to go over licensing laws. This will cover license renewal, for all ages, along with driving without insurance and what to do if you are a new resident of Arizona.

Also, Arizona is compliant with the Real ID Act of 2005. This means there are certain established security standards for issuing any government identification including driver’s licenses.

Penalties for Driving Without Insurance

Driving without insurance can cause a lot of problems. It is against the law, you could have unwanted fines, and even lose your license. Not to mention, if you have an accident while driving uninsured, you could have serious bills for you and the other party involved.

Arizona Penalties for Driving Without Insurance
PenaltyFirst OffenseSecond Offense
within three years
Fine$500 minimum$750 minimum
License, registration, and license plate suspensionThree monthsSix months
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Arizona law does not take driving without insurance lightly. Think before you get behind a wheel without insurance.

Teen Driver Laws

Your driver’s license is a rite of passage. Most kids are so happy to finally hit the open roads and have some freedom. Arizona makes sure that freedom has some boundaries and they have rules and regulation for younger drivers.

Arizona Teen Driver Requirements & Restrictions
Requirements & RestrictionsLearner's LicenseIntermediate LicenseUnrestricted License
Age RequirementMinimum 15 years six monthsMinimum 16 yearsMinimum 18 years
Pre-RequisitesPass vision and written testsSix months holding period
Minimum 30 hours (10 of which at night) supervised driving
Passing vision, written, and road tests
Passenger RestrictionsnoneLimit of one passenger younger than 18 (except when the passengers are siblings, or when a licensed parent or legal guardian occupies the passenger seat)*None
Driving RestrictionsMust have a 21-year-old or older licensed driver in the passenger seatNo driving between midnight and five a.m. (Except with a licensed parent or legal guardian in the passenger seat, or when traveling to and from work, school, or religious activities, or for family emergencies)*None
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For intermediate license holders, restrictions are in place only for the first six months of receiving the license.

Older Driver License Renewal Procedures

If you are over 65 years of age, you must renew your license every . Renewal, at any age, must be done in person and show proof of adequate vision.

License Renewal Procedures

If you are under the age of 65, license renewal is every 12 years. As mentioned earlier, all renewals must be in person and proof of adequate vision must be presented.

New Residents

Welcome to Arizona! If you are a legal resident of Arizona, you must obtain a driver’s license. If you are transferring from another state, your written and road test may be waived. A vision test may still be needed. You must also have your social security number for identification purposes.

Car Insurance Laws

Now we are going to switch gears and talk about car insurance laws. We are going to visit topics about windshields, fraud, high-risk insurance, and more!

Windshield Coverage

As a consumer in Arizona, you have the right to choose your repair shop and if aftermarket parts are used. There is also an optional coverage you can select to have a zero deductible for glass repair.

High-Risk Insurance

If your insurance has been suspended for any reason, you may need to have SR-22 filing. This is a filing showing proof of financial responsibility. This filing may be required for three years after a suspension. Your insurance carrier can file the SR-22.

Automobile Insurance Fraud in Arizona

Auto insurance fraud is classified as a crime in Arizona, as it is in most states. Below is a list of the penalty and fines that may be imposed when convicted of insurance fraud.

Arizona Car Insurance Fraud Overview
Arizona Car Insurance Fraud Key InfoArizona Car Insurance Fraud Details
Type of PenaltyClass 6 Felony
ImprisonmentUp to 10 years
FineUp to $150,000
Civil PenaltyUp to $5,000
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Fraud can range from providing false information on an application, an adjuster falsifying a claim, to even staging accidents that never happened.

Statute of Limitations

The statute of limitations is the time limit you have to file and resolve a claim. Once the time has expired, you will no longer be able to collect on your claim. In Arizona, you have two years from the claim date to file for injury or property damage.

It is always best to file claims as soon as possible to avoid missing your open window to file and obtain compensation.

Rules of the Road

Knowing the rules of the road will help prevent fines and points on your driving record. We are now going to look at laws specific to Arizona. We will look at seatbelt and car seat laws along with speed limits and more.

Fault vs No-Fault

Arizona follows a fault-based system. This means when you are at fault in an accident, you are to pay and the other party involved can file a claim directly with the company insuring the at-fault driver.

Seat Belt & Car Seat Laws (IIHS)

Arizona law states that all passengers fifteen and older sitting in the front seat must use a seat belt. If you are found guilty of breaking this law, you will have a fine.

The law also states a child five and younger must be in a car seat.

Keep Right & Move Over Laws

If you are driving slower than the normal speed of traffic, you should stay in the right lane. State law also requires you to slow and move to the lane, when safe, furthest away from safety and emergency vehicles.

Speed Limits

Below is a chart of speed limits in Arizona.

Arizona Speed Limits by Road Type
Road TypeArizona Speed Limit
Rural freeways and interstate highways75 mph
Urban freeways and interstate highways65 mph
Residential and business districts25 mph
School zones15 mph
Alleys15 mph
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Speed limits are posted on all major roadways, so pay attention.


Ridesharing is becoming a growing business in the United States. Uber, Lyft, and companies alike are offering quick, fast rides to pretty much anywhere. If you are using your vehicles for ridesharing, it is necessary to check with your insurance company to guarantee there are no gaps in your coverages.

Automation on the Road

Vehicles are becoming more automated than ever. Arizona permits the deployment of a car with a licensed operator.

Safety Laws

Next, we are going to briefly go over important safety laws that keep everyone on the road alive.

DUI Laws (sheet // Responsibility.org)

We saw earlier that a DUI can drastically raise your insurance rates, but there is so much more than raised insurance. Below are two tables showing DUI offenses and punishments. The first table is for a standard DUI.

Arizona DUI Penalties
OffenseRevoked LicenseImprisonmentFine
First Offense30–60 daysMinimum one to 10 days$250
Second OffenseOne yearMinimum 30–90 days$500
Third and Subsequent OffensesOne yearMinimum four months$750
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The second table is for an extreme DUI for a blood alcohol content over 0.15 percent.

Arizona Extreme DUI Penalties
PenaltiesFirst OffenseSecond Offense
Imprisonment30 consecutive days minimum120 days minimum
Fine$2,500 minimum$3,250 minimum
Ignition interlock deviceRequiredRequired
OtherAlcohol screening/education/treatment
Perform community service
Alcohol screening/education/treatment
Perform community service
license revoked for one year
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Prison, fines, and license suspension are all consequences of being convicted of a DUI.

Marijuana-Impaired Driving Laws

Arizona has state law against driving under the influence of marijuana. There is no tolerance policy for any THC or metabolites.

Distracted Driving Laws

Arizona has distracted driving laws in place, see table below.

Arizona Distracted Driving Laws Overview
Arizona Distracted Driving Laws Key InfoArizona Distracted Driving Laws Detals
Hand-held banNo
Young driver cell phone banLearner's permit holders and intermediate license holders during the first six months after licensing
Texting banLearner's permit holders and intermediate license holders during the first six months after licensing
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Please be aware of some cities, including Flagstaff and Phoenix, having a texting ban and some have handheld bans.

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Driving in Arizona

Did you know that some vehicles are more prone to theft than others? In this next section, we are going to cover vehicle thefts and also look at road fatalities. We will narrow down when, where, and who are in fatal crashes on the roadways. Finally, we will discuss commuting in Arizona.

Vehicle Theft in Arizona

This table shows the car and most popular year of the thefts of that car type during that calendar year.

Arizona Vehicle Thefts
VehiclesVehicle Model YearNumber of Thefts
Honda Accord19971,072
Honda Civic19981,016
Chevrolet Pickup (Full Size)2004850
Ford Pickup (Full Size)2006772
Dodge Pickup (Full Size)2001428
Nissan Altima2015269
GMC Pickup (Full Size)2015246
Toyota Camry1999210
Jeep Cherokee/Grand Cherokee1994207
Nissan Sentra2014200
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Next, let’s look at which city has the most theft.

Top 10 Arizona Cities for Vehicle Thefts
Arizona CitiesNumber of Thefts
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Phoenix has three times as many vehicle thefts as Tucson, the city with the second highest occurrences.

Road Fatalities in Arizona

Sadly, road fatalities can happen at any time of day and can include even the most vigilant driver. We are going to go over some facts about when and where most fatal accidents occur.

Fatal Crashes by Weather Condition & Light Condition

Most fatal accidents surprisingly happen in normal, daylight hours.

Arizona Traffic Fatalities by Weather Condition
Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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You would think that more accidents would occur under low light conditions and during bad weather. On the contrary, a majority of accidents happen on sunny days.

Fatalities by County

Now let’s take a look at the Arizona counties with the most traffic fatalities.

Top 15 Arizona Counties for Traffic Fatalities
Arizona Counties2013 Fatalities2014 Fatalities2015 Fatalities2016 Fatalities2017 Fatalities
La Paz1311191818
Santa Cruz88636
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Maricopa County has experienced the most traffic fatalities between 2013 and 2017.

Traffic Fatalities

The area of town where a crash occurs can play a factor.

Arizona Traffic Fatalities by Road Location
YearsRural Road FatalitiesUrban Road Fatalities
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While fatalities on rural roads have steadily declined over the years, deaths on urban roads are on the rise.

Fatalities by Vehicle Type

This next table shows what type of vehicle the occupant was in when the fatal accident occurred.

Arizona Traffic Fatalities by Vehicle Type
Vehicle Types20132014201520162017
Passenger Car209216254265250
Light Truck – Pickup11674103101111
Light Truck – Utility10081105113105
Light Truck – Van2420333022
Light Truck – Other21022
Large Truck119171619
Other/Unknown Occupants4656565564
Total Occupants508458568582575
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Occupants in passenger cars account for almost half of all the fatalities in Arizona.

Fatalities by Crash Type

The majority of crashes involve a single car fatality.

Arizona Fatalities by Crash Type
Crash Type20132014201520162017
Single Vehicle506462499542566
Involving a Roadway Departure377301379388371
Involving Speeding293255315325299
Involving a Rollover259218268294262
Involving an Intersection239212248269272
Involving a Large Truck6367918394
Total Fatalities (All Crashes)*8497738979521,000
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Crashes caused by leaving the road is the second highest cause of traffic fatalities.

Five-Year Trend for the Top 10 Counties

Almost all of the traffic fatalities in Arizona occur in 10 counties.

Top 10 Arizona Counties for Traffic Fatalities – Five-Year Trend
RankArizona Counties20132014201520162017
1Maricopa County398367405478471
2Pima County968893111114
3Pinal County5945556271
4Yavapai County4142474155
5Navajo County3439433148
6Coconino County4045585047
7Mohave County5529495344
8Apache County2826493542
9Gila County2317311927
10Yuma County2433161826
Top 10 Counties SubtotalTop 10 Counties798731849906945
All Other Counties SubtotalAll Other Counties4942464555
TotalAll Counties8477738959511,000
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Maricopa County continues to lead the state in the number of traffic fatalities.

Fatalities Involving Speeding by County

Maricopa County also experiences the most fatalities in Arizona linked to speeding.

Top 15 Arizona Counties for Speeding Fatalities
Arizona Counties2013 Speeding Fatalities2014 Speeding Fatalities2015 Speeding Fatalities2016 Speeding Fatalities2017 Speeding Fatalities
Maricopa County111111132148128
Pima County3827334536
Yavapai County 1414221725
Navajo County131510521
Pinal County 2417162421
Mohave County 289262117
Coconino County1118171810
Yuma County912869
Gila County 11 7 13 8 8
La Paz County431258
Apache County13318126
Conchise County966114
Graham County17224
Santa Cruz County55022
Greenlee County21010
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Looking at the total speeding fatalities in Greenlee County, speeding doesn’t appear to be a leading factor of traffic fatalities in Arizona.

Fatalities in Crashes Involving an Alcohol-Impaired Driver

Alcohol plays a role in traffic fatalities in Maricopa County.

Top 15 Arizona Counties for Alcohol-Related Traffic Fatalities
Arizona Counties2013 Alcohol-Related Traffic Fatalities2014 Alcohol-Related Traffic Fatalities2015 Alcohol-Related Traffic Fatalities2016 Alcohol-Related Traffic Fatalities2017 Alcohol-Related Traffic Fatalities
Maricopa County 9777115128131
Pima County 2925322433
Coconino County 101715818
Apache County 117221514
Mohave County 126121414
Navajo County111015714
Pinal County 1418181614
Gila County 751149
Yavapai County 10101059
Cochise County 65658
Yuma County711556
La Paz County21233
Graham County24252
Greenlee County20011
Santa Cruz County33101
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Greenlee County saw four alcohol-related traffic deaths between 2013 and 2017.

Teen Drinking & Driving

Underage drinking in Arizona is classified as a Class One misdemeanor. If you are your child is convicted, there could be fines, imprisonment, suspension of license, and even an ignition interlock system.

EMS Response Time

If you are ever in an accident, EMS could save your life. Below is a table showing the average times to the scene of the accident and to the hospital.

Arizona EMS Response Time by Crash Location
Response Time (in Minutes)Rural RoadwayUrban Roadway
Time of Crash to EMS Notification3.961.65
EMS Notification to EMS Arrival17.45.71
EMS Arrival at Scene to Hospital Arrival56.8023.99
Time of Crash to Hospital Arrival72.0130.50
Total Fatalities277574
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If you’re going to get into an accident, you are better off having it in the city than in the country.


Lastly, we are going to look at commuting and car ownership. How much does a typical driver in Arizona commute and what does traffic look like?

Car Ownership

The majority of residents own two cars in Arizona.

Commute Time

The average Arizonan travels roughly 24 minutes commuting to work every day. This commuting time is slightly below the average American.

Commuter Transportation

Most drivers drove alone to work, while very few carpooled or used public transit.

Traffic Congestion in Arizona

Here is a look at some of the largest populated areas of Arizona and how much time you can expect to be sitting in traffic.

Traffic Congestion in Phoenix, Tuscon, & Surprise, AZ
Arizona CitiesHours Spent in TrafficPeak (Time in Traffic)Daytime (Time in Traffic)Overall (Time in Traffic)
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We have covered a lot of information today! We hope that it has been very helpful for you in determining which insurance is best for you.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Don’t forget, to make it even easier for you, you can receive a car insurance quote right here.

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  12. https://codes.findlaw.com/az/title-12-courts-and-civil-proceedings/az-rev-st-sect-12-542.html
  13. https://www.phoenixlawteam.com/blog/arizona-no-fault-state/
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  17. https://docs.google.com/spreadsheets/d/1DGzI4dMHmbtHxuCJ0klJFNAiJGsVTR2JYC5BaIt3jQI/edit#gid=0
  18. https://www.responsibility.org/get-the-facts/state-map/state/california/
  19. https://www.azcentral.com/story/news/local/arizona/2015/05/22/arizona-dui-laws/27781089/
  20. https://www.responsibility.org/alcohol-statistics/state-map/state/arizona/issue/marijuana-drug-impaired-driving-laws/
  21. https://drivinglaws.aaa.com/tag/distracted-driving/
  22. https://thrushlawgroup.com/underage-drinking-and-arizona-laws/
  23. https://datausa.io/profile/geo/arizona/#category_transportation