Arizona car insurance

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.

Not in Arizona? Check your state requirements to determine your auto insurance needs.

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.

Insurance coverage is 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.

In Arizona, Medical Payments (MedPay) coverage is optional and helps pay for your injuries right after an accident--no matter who's at fault. Both Uninsured Motorist Bodily Injury and Underinsured Motorist Bodily Injury coverage are also optional. These two additional coverages protect you if the other driver has no insurance or not enough to cover your medical expenses.

If you are in an accident with an uninsured or underinsured motorist, any MedPay coverage you have will apply first. If that coverage plus the at-fault driver's liability coverage (if any) isn't sufficient to cover your medical expenses, then your Uninsured Motorist Bodily Injury or Underinsured Motorist Bodily Injury coverage kicks in (if added).

Adding MedPay, Uninsured Motorist Bodily Injury, and Underinsured Motorist Bodily Injury coverage can mean fewer out-of-pocket costs and more financial protection when you need it most.

No, Arizona is a fault-based state. This means you have the right to file a claim with the at-fault driver’s insurance company to cover medical bills and other damages.

Allstate also offer these other types of car insurance coverage:

• Roadside
• Allstate Ride For Hire®
• Transportation expense coverage

Learn about these and other car insurance coverage types available.

It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for Arizona auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

• Multiple policy / bundling discount
• Responsible payer discount
• Good student discount

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

The average annual cost of minimum auto insurance in Arizona is $822. For full coverage, the average annual cost is $2,780 according to Bankrate.

In addition to selecting the coverages, limits and deductibles that are right for you, these factors could also affect your car insurance rates in Arizona:

• The type of car you're insuring (year, make, model)
• Your driving habits and annual mileage
• Demographic factors, like ZIP code
• Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

Your U.S. driver’s license is valid for use in Mexico, but your insurance policy may not cover you in the event of an accident. Learn more about auto insurance in Mexico for tourists and travelers.

In Arizona, you are allowed to show an electronic copy of your insurance card on your mobile device if you are ever stopped by the police.

You can use the Allstate® app to access a digital ID card.³

• Arizona Department of Transportation (ADOT)
• Arizona Motor Vehicle Department (MVD)
• Graduated driver licensing (GDL) laws in Arizona
• Arizona Allstate Agents