Car Insurance in AZ

AZ Auto Insurance

From the beauty of the Grand Canyon to the historic O.K. Corral, Arizona is home to natural wonders. While these sights are amazing to experience, drivers in Arizona still face unique risks, such as monsoon season and dust storms. With so much to see and do, it’s important that drivers have the right car insurance in AZ as they travel.

The AARP^® Auto Insurance Program from The Hartford¹ has been protecting AARP members and their families since 1984. With The Hartford’s high customer ratings for claims services, we’ve earned a reputation for integrity and trust.

“From the time I called The Hartford, I was treated with respect. They were interested in my well-being and getting my car repair done in a timely manner. They made a difficult and stressful situation easy to manage. All representatives were friendly, courteous, helpful and respectful.”

– Sully from Wisconsin

How Much Is Car Insurance in Arizona?

In 2022, the average auto insurance cost in Arizona was $1,743 per year or $145 per month.² Your premium may differ from the average based on factors like your:

Geographic location
Driving history
Type of vehicle

What Are the Minimum Coverage Requirements for Car Insurance in Arizona?

In the state of Arizona, it is illegal to drive without insurance. Arizona requires minimum liability coverage at the following limits:³

Bodily injury: $25,000 per person, $50,000 per accident
Property damage: $25,000 per accident

Types of Liability Coverage

It’s important to get minimum liability coverage that includes:

Property damage liability protection to help pay for repairs to another person’s property or vehicle if you cause an accident.
Bodily injury liability protection, which covers medical expenses if you injure the other driver or their passengers in a car accident.

Additional Car Insurance Coverages and Benefits Available to Arizona Drivers

Some extra car insurance coverages you can get from the AARP Auto Insurance Program from The Hartford are:

Comprehensive insurance with full auto glass insurance coverage to help pay costs of damage from non-accident related claims.
Collision coverage which helps pay for damages caused by collisions with another vehicle or object.
Rental car reimbursement insurance for help paying for a rental car if you damage your vehicle in an accident.
Medical payments coverage to help pay for your medical expenses that result from a car accident.
Roadside assistance which offers a network of 40,000 towing services across the United States.
Uninsured motorist coverage to help pay for your medical costs if you’re in an accident with a driver that doesn’t have coverage.

AZ Auto Insurance Discounts and Benefits

As you look for coverage, remember that many car insurance companies have discounts and benefits. The Hartford offers up to 10% savings just for being an AARP member. There are also many other car insurance discounts for Arizona drivers, including savings for:

Bundling your auto and Arizona home insurance coverage**
Completing a defensive driving course
Paying your premium in full

The AARP Auto Insurance Program from The Hartford also offers benefits like:

New Car Replacement:^§§ If you total your new car, your policy will help pay to replace it with a new vehicle of the same make, model and equipment, with no deduction for depreciation.
Disappearing Deductible:^‡ With this optional coverage, your collision deductible will be reduced over time, as long as you maintain a clean driving record.
Accident Forgiveness:^‡ As long as all the drivers on your car insurance policy have a clean driving record for five straight years, you’ll qualify for accident forgiveness.
Labor & Towing Insurance: This optional coverage helps pay for emergency roadside assistance if you break down. To get this benefit, you’ll need our comprehensive coverage.
RecoverCare:^§ With this benefit, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you need after you’re injured in a car accident.
24/7 Claim Service: Our representatives are available at 800-243-5860, 24 hours a day, 7 days a week to walk you through our claim process.

Learn more about car insurance from The Hartford by calling 888-413-8970. The Hartford’s representatives will calculate your insurance rate based on factors like your:

Driving records
Location
Credit-based insurance score
Age
Coverage levels

Other Arizona Auto Insurance Laws

Arizona Teen Driver Laws

Getting a driver’s license is a rite of passage for teenagers, but you’ll want to be sure they stay safe in the process. To help with this, Arizona has put graduated licensing laws in place to help young drivers gain the experience required to be safe behind the wheel. These laws limit nighttime driving and the number of passengers a teen can have in their car. They also make sure they get enough supervised driving practice.

Arizona Seat Belt Laws

Even though Arizona doesn’t have mandatory seat belt laws, you can receive a ticket for not wearing one if you’re pulled over for another traffic violation.

Proof of Car Insurance in Arizona

If you’re a licensed driver in the state of Arizona, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. Arizona is also among several states that now accept electronic proof of car insurance and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Get a Car Insurance Quote in AZ

So, how much is car insurance in AZ? To see prices for coverage, you can use this car insurance calculator or get a free quote with The Hartford for car insurance online. If you’d prefer talking to someone, a Hartford representative can be reached at 888-413-8970. They’ll make sure you follow AZ insurance requirements and help to ensure you have the right coverage.

Last Updated: October 13, 2023

² Bankrate, “Average cost of car insurance in Arizona for 2023”

³ Arizona Department of Transportation, “Mandatory Insurance FAQ.”