Arizona Car Insurance Quotes
Arizona drivers have to be prepared for sudden dust storms that decrease visibility, flash floods that make roads dangerous during monsoon season, and everything in between. Having the right car insurance coverage is crucial not only to comply with Arizona law but also to provide peace of mind. Adequate insurance coverage can help mitigate the financial burden associated with accidents, medical expenses, and vehicle repairs.
Moreover, Arizona's diverse driving conditions, from bustling urban centers to remote desert highways, make it even more important to ensure you are adequately protected against potential risks on the road. By understanding and selecting the appropriate car insurance coverage, Arizona drivers can drive with confidence, knowing they are prepared for any situation.
Arizona requires drivers to have car insurance that meets or exceeds the following minimum car insurance coverage levels:
| Coverage Type | Minimum Required Limit |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $15,000 |
| Uninsured/Underinsured Motorist Coverage* | $25,000 per person / $50,000 per accident |
Bodily Injury will pay when you are legally liable for injury or death caused by your vehicle. The first value is the maximum amount paid for any one person; the second value is the maximum amount paid for all injuries or death in a single occurrence (regardless of the number of parties involved).
Property Damage will pay when you are legally liable for damage to property caused by your vehicle. This limit reflects the amount available to pay for damage to property such as other vehicles, mailboxes, or fences.
Uninsured and underinsured motorist coverages are two distinct coverages. Uninsured motorist bodily injury pays damages when you are injured by an uninsured or hit-and-run motorist. Underinsured motorist bodily injury pays damages when the at-fault driver is insured, but whose limits are lower than damages you suffer. These coverages may be rejected.
Depending on your needs, you may choose higher coverage limits to more fully protect yourself. Check our coverage calculator if you are unsure of what car insurance coverage is best for you or contact one of our licensed professional agents for guidance.
Car insurance rates in Arizona depend on several key factors, including your driving record and the year, make, and model of your car. Where you live also matters—urban areas with more traffic or vehicle theft may lead to higher rates. Other factors include how much you drive, your coverage limits, your deductible, and even your insurance-based credit score.
Arizona is not a no-fault state. It follows a traditional fault-based, or “tort,” system for car insurance. This means that the driver found responsible for causing an accident is also responsible for paying for the damage and injuries resulting from the accident. In Arizona, accident victims can file a claim with the at-fault driver’s insurance company, use their own coverage if applicable, or take legal action to recover costs. Because of this system, having sufficient liability coverage is especially important to protect yourself financially if you’re ever found at-fault in a crash.
If you are moving into Arizona, it is very important to register your car in Arizona and get car insurance as soon as possible. If you had a car insurance policy in your previous state, you still need to secure an Arizona policy as insurance requirements are determined on the state level. Whether moving to Phoenix, Scottsdale, Tempe, or another part of the state, be sure to check GEICO as early as possible to get the right car insurance.
The Arizona Department of Insurance regulates the car insurance industry in Arizona. It monitors the financial condition of all car insurance entities conducting business in Arizona, licenses insurance agents, and provide consumer assistance with insurance complaints.
GEICO offers multiple car insurance discounts and savings opportunities for Arizona drivers, such as:
If you have an Arizona car insurance policy and carry comprehensive coverage, you may be eligible for a benefit called the safety glass non-deductible option. By selecting this option, you do not have to pay a deductible to repair or replace safety glass on your covered vehicle. This applies to the windshield, windows, and some other glass materials within the vehicle.