Buying Auto Insurance in Arizona

Need help understanding the nuances of buying auto insurance in Arizona? AAA is here to help.

The amount you pay for car insurance depends on which type of policy you choose, its deductible, and what kind of vehicle you drive, as well as your driving record.

Drivers in Arizona spend plenty of time behind the wheel. (The average roundtrip commute takes nearly an hour.) And when the weekend arrives, many Arizonans hit the road again, exploring the state’s legendary natural beauty—from wondrous deserts and canyons to the white sand beaches of Lake Havasu State Park. 

Car insurance in Arizona is essential for protecting your vehicle, and yourself, in case of any mishaps on the road. As you shop for auto insurance, take into consideration Arizona’s minimum coverage requirements, insurance laws, and average rates—and be sure to compare quotes before choosing an insurance provider. 

What are Arizona’s car insurance laws?

If you drive in Arizona, make sure you’re covered. You must have auto liability insurance for any vehicle you drive—regardless of whether it’s a car, a moped, or a golf cart. If you can’t show proof of coverage, you could face suspension of your driver’s license and vehicle registration. 

When did car insurance become mandatory in Arizona?

Auto coverage has been required since 1986.

Is Arizona a no-fault car insurance state?

Arizona is not a no-fault state. This means that the driver at fault must use his or her insurance to pay for the other driver’s damages. The police and the involved insurance companies use evidence to determine who’s at fault. But sometimes, the blame isn’t so clear-cut. 

If fault is shared, so are the damages. So if you’re involved in a crash and it’s determined that you were 30 percent at fault, and the other driver was 70 percent at fault, you can collect 70 percent of the cost for your damages.

What is considered full-coverage auto insurance in Arizona?

In Arizona, a full-coverage auto policy provides at least the state’s minimum for liability coverage (both bodily injury and property damage), as well as collision and comprehensive coverage. 

What are Arizona’s minimum car insurance requirements?

Every state has its own auto insurance coverage requirements. In Arizona, drivers are required to carry at least the following:

Keep in mind, these are just the minimum requirements in Arizona, and you can always choose to increase your coverage amounts or include additional optional coverage such as MedPay—medical payment coverage for when you, another driver listed on your policy, or passengers are injured in an accident. 

Know, too, that insurance companies notify the Arizona MVD of all new car insurance policies, as well as cancellations and non-renewals. If you’d like to temporarily suspend your coverage until a vehicle is ready to get back on the road again, you can request a Vehicle De-Insured Certificate.

What are average Arizona car insurance rates?

On average, car insurance in Arizona costs $111 per month or $1,342 per year.  But your auto insurance quote will be custom-tailored to you. It will depend on which type of policy you choose, its deductible, and what kind of vehicle you drive, as well as your driving record.

Is there a new-car insurance grace period in Arizona?

No. In Arizona, you must have auto insurance coverage before you drive any vehicle, even a brand-new one. Also, proof of insurance is required at time of registration in Arizona.

Arizona driving statistics

Arizona’s charms—its natural beauty, sunny climate, and low cost of living—have made it a popular place to live, with more than 2 million people relocating to the Grand Canyon State since 2000. It’s no surprise, then, that Arizona roads have seen a 34-percent increase in traffic (per vehicle mile traveled) in that time. 

And with crowded highways and byways, accidents happen. Arizona drivers also travel some rough terrain, with 44 percent of the state’s roads in poor or mediocre condition, upping the chance of accidents. According to the Arizona Department of Transportation, there were 91,913 crashes that resulted in property damage in 2019, with 36,926 leading to injuries and 911 fatal crashes.

AAA Car Insurance discounts for Arizona residents

In Arizona, you may qualify for some sweet discounts on auto insurance. Your AAA insurance agent can help you navigate options to find exceptional coverage while saving you money. 

Check out some of the AAA Auto Insurance discounts available for drivers in Arizona:

  • 5% AAA Membership discount.

  • Up to 5% Member loyalty discount.

  • Up to 5% auto insurance loyalty discount.

  • 7.5% discount when you insure multiple cars on your policy.

  • Up to 10% discount when bundled with homeowners insurance.

  • Up to 5% discount when bundled with life insurance.

  • Up to 7.8% discount when you pay your annual insurance premium in full.

  • Up to 24% discount for teen drivers who complete the AAA teenSMART program.

  • Up to 14.5% good student discount for high school or full-time college students with a verifiable GPA of 3.0 or higher.

  • Up to 30% distant student discount for drivers who are college students living more than 100 miles away from home.

  • 5% discount for defensive drivers.

  • Up to 20% discount for SMARTtrek users (based on program results).

  • Up to 5% discount for eValue (paperless billing) users.

Chat with an insurance agent to learn how you can maximize your savings on auto insurance—and remember, speak to your agent any time you have a change in your life. Whether you move or get a new car, your agent is happy to crunch the numbers and save you money. 

How to find an agent who knows Arizona auto insurance

The award-winning insurance agents at AAA can help you find the right auto insurance for your needs. Visit your local Arizona AAA office to speak to an insurance agent in person, call us at (877) 323-4222, or request a quote online to get started.

Learn more about auto insurance coverage

Need car insurance in Arizona?

The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.