AZ

Arizona car insurance

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    Getting car insurance in Arizona

    Understanding Arizona's car insurance requirements and the factors that may affect your rate can help you find the right policy. For example, Arizona has lower minimum liability limits than many other states, but you should consider paying for higher limits to better protect your family and finances.

    Progressive helps Arizona drivers get the protection they need for less with flexible coverage options, transparent pricing, and easy-to-use tools for budgeting and comparing coverage, such as the Name Your Price® tool.

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    What are the minimum auto insurance requirements in Arizona?

    Arizona currently requires drivers to carry the following auto insurance coverages.

    Coverage

    Coverage

    What it covers

    Minimum amount

    Bodily injury liability

    		What it covers

    Injuries you cause to others in an accident

    		 Minimum amount

    $25,000 per person
    $50,000 per accident

    Property damage liability

    		What it covers

    Damage you cause to someone else's vehicle or other property in an accident

    		 Minimum amount

    $15,000 per accident

    Arizona also requires insurers to offer uninsured/underinsured motorist bodily injury coverage, but you may reject this coverage or choose lower limits in writing.

    Coverage

    Coverage

    What it covers

    Minimum amount

    Uninsured/underinsured motorist bodily injury

    		What it covers

    Injuries to you caused by uninsured or underinsured drivers

    		 Minimum amount

    $25,000 per person
    $50,000 per accident

    Switch and save with Progressive

    Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $900 on average.* Get a car insurance quote today.

    Car insurance discounts in Arizona

    Car insurance discounts in Arizona can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers a variety of discounts to help Arizona drivers get a better deal on car insurance. Popular discounts available in Arizona include:

    • Snapshot

      Save when you enroll in Snapshot and share your driving habits through the Progressive app. Many drivers save just for signing up, and safe drivers earn more at renewal.

    • Multi-policy

      Save when you have two or more policies with Progressive. For example, if you carry auto and boat insurance with us, you'll enjoy a discount on your auto policy.

    • 5-year accident-free

      The 5-year accident-free discount recognizes drivers who have gone five years without an accident, rewarding a consistent history of safe driving.

    What is the average cost of car insurance in Arizona?

    Based on Progressive's internal data, the average cost of a six-month liability-only policy in Arizona was $119.90 per month in 2025.† That amount is based on one vehicle and one driver, and your premium will vary with coverages and limits you choose. Your rate also depends on factors unique to you, including where you live, your driving history, and the discounts you qualify for.

    Factors that impact your auto insurance rate in Arizona

    Several factors affect how much you pay for auto insurance in Arizona. Some reflect your specific situation, while others come down to choices you can make:

    • Driving history: Tickets, accidents, and past claims can raise your rate.
    • Vehicle type and value: Your car's make, model, age, safety technology, and repair costs are factored into your rate, especially if you have comprehensive and collision coverages. Higher vehicle values can lead to higher claim costs.
    • Location: Traffic density, accident frequency, theft rates, and local weather conditions vary across the state and affect your rate.
    • Coverage choices and deductibles: The coverages, limits, and deductibles you select directly affect your premium. A higher deductible lowers your premium, while more coverage or higher limits raise it.
    • Payment method: How you pay can lower your cost too. Paying in full or setting up automatic payments helps you avoid installment fees and can earn a discount.

    Recommended additional auto insurance coverages in Arizona

    Arizona requires drivers to carry bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Adding optional coverages offers extra protection, can help fill gaps in your policy, and give you peace of mind:

    Coverage

    Coverage

    What it covers

    Comprehensive

    		What it covers

    Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events

    Collision

    		What it covers

    Cost to repair your vehicle if it overturns or collides with another vehicle or object

    Progressive vehicle protection

    		What it covers

    For eligible new cars: repairs to major (non-accident) systems, minor dents and dings, and lost, stolen, or damaged keys

    Roadside assistance with trip interruption

    		What it covers

    Towing, jumpstarts, lockout service, and fuel delivery, plus lodging, meals, and transportation if you break down far from home

    Arizona driving resources

    Learn more about Arizona's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

    How to get car insurance in Arizona with Progressive

    Progressive makes it easy for Arizona drivers to compare coverage options and get a competitive auto insurance quote.

    How to get car insurance in Arizona

    Arizona car insurance FAQs

    Quote car insurance online or give us a call

    Get a quoteOr, call 1-855-347-3939