Alabama vs Arizona Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Arizona is $20/yr cheaper on average.

Fewer Uninsured

Arizona has a lower uninsured rate (11.8% vs 18.0%).

Rate & Coverage Comparison

Attribute	Alabama	Arizona
Avg Annual Premium	$1,890	$1,870
Min Liability	$620	$620
Full Coverage	$1,890	$1,870
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	18.0%	11.8%
Registered Vehicles	4,119,679	5,968,780
Accidents/Year	61,795	89,531
Population	5,024,000	7,279,000

Minimum Coverage Requirements

Alabama

25/50 / 25 liability

Arizona

25/50 / 15 liability

Premium Comparison

Alabama$620 – $1,890

Liability: $620Avg: $1,890Full: $1,890

Arizona$620 – $1,870

Liability: $620Avg: $1,870Full: $1,870

AlabamaFull rates, age breakdown, requirements →ArizonaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alabama or Arizona?

Arizona has cheaper car insurance, with an average annual premium of $1,870 compared to $1,890 in Alabama - a difference of $20 per year.

How do Alabama and Arizona compare on fault systems?

Alabama uses a at-fault (tort) system while Arizona uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alabama vs Arizona?

Alabama requires 25/50 / 25 liability. Arizona requires 25/50 / 15 liability. Minimum liability costs $620/yr in Alabama and $620/yr in Arizona.

Which state has more uninsured drivers, Alabama or Arizona?

Alabama has a higher uninsured driver rate at 18.0%, compared to 11.8% in Arizona. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alabama vs Arizona insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Alabama

Arizona

Avg Annual Premium

$1,890

$1,870

Min Liability

$620

Full Coverage

$1,890

$1,870

Fault System

At-Fault (Tort)

Uninsured Rate

18.0%

11.8%

Registered Vehicles

4,119,679

5,968,780

Accidents/Year

61,795

89,531

Population

5,024,000

7,279,000