Arizona vs California Car Insurance

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

Quick Verdict

More Affordable

Arizona is $200/yr cheaper on average.

Fewer Uninsured

Arizona has a lower uninsured rate (11.8% vs 15.2%).

Rate & Coverage Comparison

Attribute	Arizona	California
Avg Annual Premium	$1,870	$2,070
Min Liability	$620	$680
Full Coverage	$1,870	$2,070
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.8%	15.2%
Registered Vehicles	5,968,780	32,421,159
Accidents/Year	89,531	486,317
Population	7,279,000	39,538,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

California

15/30 / 5 liability

Premium Comparison

Arizona$620 – $1,870

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

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

ArizonaFull rates, age breakdown, requirements →CaliforniaFull 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, Arizona or California?

Arizona has cheaper car insurance, with an average annual premium of $1,870 compared to $2,070 in California - a difference of $200 per year.

How do Arizona and California compare on fault systems?

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

What are the minimum insurance requirements in Arizona vs California?

Arizona requires 25/50 / 15 liability. California requires 15/30 / 5 liability. Minimum liability costs $620/yr in Arizona and $680/yr in California.

Which state has more uninsured drivers, Arizona or California?

California has a higher uninsured driver rate at 15.2%, compared to 11.8% in Arizona. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs California 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

Arizona

California

Avg Annual Premium

$1,870

$2,070

Min Liability

$620

$680

Full Coverage

$1,870

$2,070

Fault System

At-Fault (Tort)

Uninsured Rate

11.8%

15.2%

Registered Vehicles

5,968,780

32,421,159

Accidents/Year

89,531

486,317

Population

7,279,000

39,538,000