Arizona car insurance

Common questions about Arizona
auto insurance

Need car insurance in Arizona? Whether you live in Tucson or Phoenix, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Arizona auto insurance, so you only pay for what you need.

What car insurance is required in Arizona?

In Arizona, it's illegal to drive without insurance. Drivers in Arizona are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Arizona.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$15,000 per accident

Check out the Arizona Department of Insurance for more details.

What's considered "full coverage" car insurance in Arizona?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Arizona you're only required to have the state minimums.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Arizona when you get an online auto insurance quote.

Is Arizona a no-fault insurance state?

No, Arizona is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Arizona drivers may want to consider additional coverages

These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Arizona, drivers must opt out of these coverages in writing when buying a car insurance policy.

What's the average cost of car insurance in Arizona?

The average cost of car insurance in Arizona was $1,482³ in 2021 according to thezebra.com. That's 3% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Arizona auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

Who has the cheapest car insurance in Arizona?

Getting the cheapest car insurance in Arizona may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴