Arizona car insurance

Whether you're navigating the congested highways in Phoenix, driving through Old Town Scottsdale, or taking a leisurely drive through Tucson, Chandler, Tempe, Yuma, or the breathtaking Grand Canyon, make sure you have the right car insurance in Arizona. We'll break down Arizona auto insurance coverages and what discounts you can earn.

What are Arizona's minimum auto insurance requirements?

Drivers in Arizona are required to have auto liability coverage, bodily injury liability, and property damage liability at the following minimum car insurance limits:

Arizona also requires insurers to offer uninsured/underinsured (UM/UIM) coverage, with the following minimum limits, but you can reject these coverages in writing if you don't want them.

While these are Arizona's minimum required car insurance limits, higher coverage amounts may better protect your family's well-being. Learn how much car insurance you need based on your circumstances and preferences.

Is Arizona a no-fault state?

No, Arizona is an at-fault state, which means if you're responsible for an accident, you must cover the other driver's and passengers' injuries. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Arizona?

The average cost of a liability-only Progressive auto policy in Arizona (single driver/single car) was $104.36 per month in 2023.^* However, your Arizona car insurance rate will depend on factors like your driving history, ZIP code, and coverage selection. Discover more car insurance cost factors.

What is the best car insurance in Arizona?

Finding the best car insurance in Arizona means comparing equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Arizona get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're a leading auto insurance company.

Looking for the cheapest car insurance in Arizona? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

• Allstate customers who switch and save with Progressive save $920 on average^††
• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Arizona?

To lower your car insurance cost in Arizona, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision auto coverage in addition to Arizona's state-required coverages. Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after an accident.

Explore all our car insurance coverages and use our car insurance calculator to find out which ones are recommended for you.

Arizona driving resources

1. Arizona Motor Vehicles Division (MVD): Find out how to get or renew your Arizona license and registration.
2. Arizona driving laws and rules: Review Arizona's traffic and parking regulations.
3. Arizona driving FAQs: Get answers to common questions about Arizona speed limits, point system, vehicle registration, and more.
4. Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.