What's required for Arizona auto insurance?

If you live and drive in Arizona, you'll need liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $15,000 in property damage per accident

Bear in mind that these are the minimum limits required in Arizona. You don't want to gamble when it comes to protecting your assets, so be sure to choose the right liability limits before hitting the open road.

Consider comprehensive and collision coverage

Most lenders in the state require comprehensive and collision coverage. But even if you're not required to have them, you may want to add these coverages based on your vehicle's value. These coverages pay for the repair or replacement of your car if it's damaged in a crash, gets stolen, or damaged in any other type of covered accident.

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What's the cost of car insurance in Arizona?

According to III.org, Arizona ranked 17th highest for average expenditure on auto insurance in 2017. However, rates can vary based on many factors, including your driving history and ZIP code, and the limits and coverages you choose. Discover what else can impact the cost of car insurance.

Can discounts get me cheaper car insurance in Arizona?

Of course! Here are just some of the discounts you can get with Progressive:

  • Multi-policy
  • Homeowner
  • Five-year accident-free
  • Online quote
  • Multi-car
  • Paid in full
  • Paperless
  • Smart technology

See all auto insurance discounts.

Facts and figures about driving in Arizona

  1. If you ever encounter a dust storm while driving, you should pull off the roadway as soon as you can and wait for the storm to pass while following the Arizona Department of Transportation's safety tips.

  2. In 2018, Arizona ranked 10th for states with the most aggressive drivers. That's one of many good reasons to consider collision coverage.

  3. As of 2018, hit-and-run accidents are up considerably, and Arizona ranked fifth for most hit-and-run incidents. If you don't carry collision coverage, consider uninsured motorist property damage coverage in case your car is the victim of a hit-and-run.

How to get auto insurance in Arizona


Answer some questions and then customize your coverages.

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