Can a person surrender a car to the bank in Arizona without the bank collecting the difference after they sell it?

NO. Think about it, IF this was true,EVERYONE would buy cars in AZ and nowhere else, just to get around paying the balance due. The UCC is standard across the country concerning contracts and default on contracts. Good Try, no candy for you.

to the best of my knowledge you can. AZ is a non recourse state. If they have the collateral, that's the best they're going to get. They can try and get you to pay but they can't make you legally....