Back to top

Arizona Car Insurance

Coverage Designed with You in Mind

Located in the Southwestern United States, Arizona is the sixth largest and 14th most populous state in the country. Known for its desert climate of hot summers and mild winters, Arizona features forests, mountains and canyons, including Grand Canyon National Park. One of the Four Corners region, along with New Mexico, Utah and Colorado, Arizona is also home to 27 federally recognized Native American tribes. The capital, Phoenix, is home to professional football, baseball, basketball, soccer and hockey teams. Arizona is also home to Tucson, Scottsdale, Flagstaff and Mesa. The state's economy is built on health care and transportation. Interstates 8 and 10 run east to west through the state while Interstates 17 and 19 run north and south.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Arizona requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

Contact an Arizona Allstate agent to better understand the different types of coverage in your area.

protection you need
new low rates you want

With Allstate you expect better coverage and better service. Well, now you can also expect a better price in Arizona because we've lowered our rates even more.

quote now
woman driving car.

State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in Arizona. Pick a new state to see its laws:

Coverage Type
Arizona Requirements
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$15,000 limit per person/ $30,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$10,000 limit
Uninsured Motorist
Covers medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Not required
Medical Expenses
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Not required
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required1

All coverages are subject to the coverage limits stated in your policy.

1Although Arizona law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Man putting flowers into the back of a car./

Arizona Business owners, save up to 20% on auto insurance for your business vehicles.*

  • Save 10% signing up with our quick, easy, online tool
  • Save an extra 10% when you enroll in Drivewise®
  • Get driving data and insights that help you drive safer and keep your insurance costs low.
Get a commercial auto quote

Customer smiles while shaking Avail employee's hand.

Save More With Car Sharing.

Make your trips more rewarding with Avail, protected by Allstate. Avail connects trusted drivers with great cars owned by real people. Borrow a car or share your own for free parking and extra income. Insurance from Allstate included with every trip.

Learn more about car sharing

Driving Less? Start Saving More.

With pay-per-mile car insurance you pay based on how much and how safely you drive and receive the same trusted coverage from Allstate.

Learn more about pay-per-mile car insurance

Customer smiles while shaking Avail employee's hand.

Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

*Only available in Arizona, Indiana & Wisconsin. Savings will vary. Drivewise® is an optional feature not available for all commercial auto risks. Smartphone and download of Routley app with activation Drivewise® required for ongoing savings. Subject to terms, conditions and availability.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

ECC Monitor: OK