Affordable Car Insurance in Arizona

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Car Insurance Coverage in Arizona

CoverCube offers required and optional car insurance coverage options to help Arizona drivers stay protected on the road.

Car Insurance Coverage Required in Arizona

Bodily Injury

Helps provide protection when a covered accident results in injuries to another person. It may help with eligible medical expenses, recovery costs, and related claim expenses.

Property Damage

Helps provide protection when a covered accident results in damage to another person’s vehicle or property. It may help with eligible repair, replacement, and related claim expenses.

Additional Coverage for Better Protection

Uninsured Motorist Bodily Injury

Helps protect you if you’re injured by a driver who doesn’t have insurance.

Medical Payments

Helps with eligible medical costs for you and your passengers after a covered accident.

Collision

Helps pay for repairs to your vehicle after a covered collision with another vehicle or object.

Comprehensive

Helps protect your vehicle from covered events like theft, vandalism, fire, hail, or falling objects.

Transportation Reimbursement

Helps with transportation costs while your covered vehicle is being repaired after a covered claim.

Roadside Assistance

Helps with covered roadside issues such as towing, flat tires, jump-starts, fuel delivery, or lockouts.

Personal Injury Protection

Helps with eligible medical expenses, lost wages, and certain related costs after a covered accident.

UM/UIM Coverage

Uninsured / underinsured motorist coverage Helps cover damage to your vehicle caused by a driver with no insurance or not enough insurance.

Choosing the Right Car Insurance in Arizona

Choosing car insurance in Arizona starts with understanding the state’s minimum insurance requirements and selecting coverage that fits your vehicle, budget, and driving needs.

Minimum Car Insurance Requirements in Arizona

Coverage What It Covers Texas Minimum Requirement
Bodily Injury Helps cover injuries you’re legally responsible for causing to others in a covered accident. $25,000 per injured person
$50,000 per accident
Property Damage Helps cover damage you’re legally responsible for causing to another person’s vehicle or property in a covered accident. $15,000 per accident
These are the minimum liability coverage limits required by Arizona law. Many drivers choose additional coverage to help provide broader financial protection beyond the state’s minimum requirements.
Car Insurance Coverage and Protection Illustration

Choose Coverage That Fits Your Needs

Arizona is an at-fault state, so the driver responsible for an accident may be responsible for the resulting injury or property damage costs. Minimum liability coverage helps meet state requirements, but many drivers choose added protection to reduce potential out-of-pocket expenses.

With CoverCube, you can add options such as Collision, Comprehensive, Medical Payments, Personal Injury Protection, Uninsured Motorist Bodily Injury, Uninsured/Underinsured Motorist Property Damage, Roadside Assistance, and Transportation Reimbursement based on your needs.

Arizona Car Insurance FAQs

Arizona requires minimum liability coverage of 25/50/15, including $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident.
Arizona follows an at-fault insurance system, which means the driver who is responsible for causing a covered accident is generally responsible for the resulting damages. Liability insurance helps cover injuries or property damage you may be legally responsible for, while additional coverages can provide broader protection for your own vehicle and expenses, depending on your policy.
Minimum liability coverage satisfies Arizona’s legal requirements, but it may not always provide enough financial protection after a serious accident. Many drivers choose additional coverage for broader protection.
No. Uninsured motorist coverage is not required by Arizona law, but it is available as an optional coverage that can provide added protection if you’re involved in an accident with an uninsured driver.
Yes. You can choose from a variety of coverage options, policy limits, and deductibles to build a policy that fits your vehicle, budget, and driving needs.
If your vehicle is financed or leased, your lender may require Collision and Comprehensive coverage in addition to Arizona’s minimum liability requirements.
Yes. Arizona drivers can generally present electronic proof of insurance on a mobile device when requested by law enforcement.
Depending on your policy, you can choose additional protection such as Collision, Comprehensive, Medical Payments, Personal Injury Protection, Roadside Assistance, Transportation Reimbursement, and Uninsured Motorist coverage.
Getting started is simple. Submit a few basic details about yourself and your vehicle, review your available coverage options, and choose the policy that best fits your needs.

Ready to Get Car Insurance in Arizona?

Protect your vehicle with coverage designed for Arizona drivers. Get a personalized quote online in just a few minutes and choose the protection that fits your needs.

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