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Arizona Auto Insurance

If you are an Arizona residents, the car insurance regulations that govern your policy are pretty straightforward. This generally makes the state's premiums fairly cheap, so make sure that you're getting the best deal possible.

This guide:

Explains Arizona car insurance regulations and requirements

Describes how the state's auto insurance rates are decided

Shows you how you can save money by comparing multiple quotes

See How Much You Could Save:

Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Arizona.

It takes just one minute. Enter your zip code to start:

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Brief overview of the state's insurance laws

Arizona is a tort state, which means that as a resident you're financially responsible for the damage and injury you cause in an auto accident. To drive a car in Arizona, you're required to show proof of your financial responsibility.

Although you can post a bond or a certificate of deposit for $40,000, and thus take care of your "financial responsibility" requirements, most people opt instead to purchase auto insurance.

One thing that makes insurance fairly inexpensive in Arizona, are the state's liability minimums: 15/30/10 (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $10,000 for damage you cause to the other party's property.)

Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect.

Arizona auto insurance companies will also offer optional policies such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.

Arizona residents may be able to save on policy premiums by visiting Electric Insurance. This A+ rated company's policies are available only to those drivers whose credit and driving records could be described as being at least good.

After you compare rates at ComparisonMarket, get a quote from Electric to see if you qualify.

How Arizona auto insurance rates are set

For better or for worse, the price of insurance premiums in AZ is decided by the behavior of the state's drivers as a whole. Arizona auto insurance companies take the cost of insuring all drivers (this includes settlements and legal fees) and divide it up among everyone.

But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver.

What this means for you, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on your policy.

Where you can get Arizona auto insurance quotes.

The following web sites will help you find great local car insurance quotes: (these links will open in a new window)

ComparisonMarket is the best insurance shopping service on the Internet, and the place where you're likely to save the most money.



Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

21st Century a great Arizona insurer for good drivers

Electric Insurance a discount insurance provider for good Arizona drivers

Netquote provides quotes directly from local agents, who can help you with setting coverage limits, and assists you with other policy options.

Geico - Like the gecko says: "15 minutes could save you $300 or more on your car insurance".

Get a quote using your ZIP code to find local and national insurers who offer discounts in your area:

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More AZ car insurance help

If you want more help designing your AZ auto insurance policy, our guide to picking car insurance options will definitely help.

To find out more about AZ auto insurance laws and regulations, visit the official website of the State of Arizona Department of Insurance.

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.