Arizona vs Florida Car Insurance

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

Quick Verdict

More Affordable

Arizona is $630/yr cheaper on average.

Fewer Uninsured

Arizona has a lower uninsured rate (11.8% vs 20.4%).

Rate & Coverage Comparison

Attribute	Arizona	Florida
Avg Annual Premium	$1,870	$2,500
Min Liability	$620	$820
Full Coverage	$1,870	$2,500
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.8%	20.4%
Registered Vehicles	5,968,780	17,661,160
Accidents/Year	89,531	264,917
Population	7,279,000	21,538,000

Minimum Coverage Requirements

Arizona

25/50 / 15 liability

Florida

10/20 / 10 liability

Premium Comparison

Arizona$620 – $1,870

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

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

ArizonaFull rates, age breakdown, requirements →FloridaFull 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 Florida?

Arizona has cheaper car insurance, with an average annual premium of $1,870 compared to $2,500 in Florida - a difference of $630 per year.

How do Arizona and Florida compare on fault systems?

Arizona uses a at-fault (tort) system while Florida uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Arizona vs Florida?

Arizona requires 25/50 / 15 liability. Florida requires 10/20 / 10 liability. Minimum liability costs $620/yr in Arizona and $820/yr in Florida.

Which state has more uninsured drivers, Arizona or Florida?

Florida has a higher uninsured driver rate at 20.4%, compared to 11.8% in Arizona. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arizona vs Florida 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

Florida

Avg Annual Premium

$1,870

$2,500

Min Liability

$620

$820

Full Coverage

$1,870

$2,500

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.8%

20.4%

Registered Vehicles

5,968,780

17,661,160

Accidents/Year

89,531

264,917

Population

7,279,000

21,538,000