Protection that is made for you
The most populated city in Arizona, Phoenix is also the state's capital. It's the largest state capital by population and the fifth most populated in the country. Also known as the Valley of the Sun, the Phoenix Metropolitan area has a desert climate and is home to professional baseball, basketball, football and hockey teams. The cultural center of the state, Phoenix is split by Interstates 17 and 10 and features numerous resorts and golf courses.
When it comes to auto insurance, every state has different requirements. For drivers in Phoenix, you can see what coverage and coverage limits Arizona requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.
A Phoenix Allstate agent can help you understand the different insurance types available to you.
Phoenix car insurance requirements
Auto liability insurance is a type of car insurance coverage that's required by law in Arizona, so Phoenix drivers must have it.
More specifically, the following liability coverages are the minimum required in Phoenix:
- $25,000 bodily injury liability limit per person
- $50,000 bodily injury liability limit per accident
- $15,000 property damage liability
Uninsured/Underinsured motorist coverage, collision¹ and comprehensive¹ coverage are not required for Phoenix drivers.
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.
Phoenix auto insurance discounts
It's possible to get quality coverage in Phoenix at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Phoenix drivers can find many ways to save with Allstate.
Multiple policy discount
Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.
New car discount
You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.
Teen driver discounts
Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Phoenix teen driver meets these requirements:
- Is a single, full-time student under the age of 25 and getting good grades
- Attends school at least 100 miles away from where the car is garaged
Proof of insurance in Phoenix
If you are stopped by the police and asked to show your auto insurance card, drivers in Phoenix can show an electronic insurance card. Most states, including Arizona, permit drivers to show an electronic proof of their insurance card on a mobile device during a traffic stop.