Is car insurance required in Arizona?

Yes. Arizona minimum car insurance requirements include 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 auto liability limits before hitting the open road.

Consider comprehensive and collision coverage

Most lenders in the state require comprehensive car insurance coverage and car 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. Learn more about car insurance coverages.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $650 on average.* Get a car insurance quote today.

What's the average cost of car insurance in Arizona?

According to the Insurance Information Institute, Arizona ranked 17th-highest for average expenditure on auto insurance in 2018. 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

Save money while protecting your most valuable assets by bundling your car and home insurance in Arizona. In fact, Arizona residents can save when they bundle two or more policies through Progressive, including auto, home, renters, RV, and motorcycle insurance.

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 safety tips.

  2. In 2018, Arizona ranked 10th for states with the most aggressive drivers.

  3. Over 11% of Arizona drivers were uninsured in 2019. Uninsured motorist coverage can pay for damage caused to your vehicle from an uninsured driver.

How to get auto insurance in Arizona

Go online

We ask easy questions, and you customize your coverages.

Call a rep

Talk with a licensed representative who can guide you through the process.

Through an agent

Connect with an independent agent in your area.