Arizona car insurance: requirements & free quotes
Arizona is an at-fault state with a 25/50/15 minimum. Fast-growing metro areas like Phoenix and Tucson, monsoon-season dust storms and intense summer heat all factor into how drivers here choose coverage.
Minimum coverage in Arizona
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$15,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $15,000 per accident
Shown as 25/50/15. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Arizona
- Add uninsured/underinsured motorist coverage, which Arizona insurers must offer but you can decline.
- Full glass coverage is worth pricing, since desert road debris often chips windshields.
- Comprehensive coverage protects against monsoon hail and flash-flood damage.
- Shop around when you move between metro and rural ZIP codes, since rates are priced by location.
We connect drivers across Arizona
Including Phoenix, Tucson, Mesa, Chandler and Scottsdale — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Arizona car insurance FAQ
No. Arizona is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.