The Grand Canyon State

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Arizona Auto Insurance Coverage

Home to the Grand Canyon and beautiful desert landscapes, Arizona is one of the country's fastest-growing states. Whether cruising towards downtown Phoenix or a national park, you'll need to ensure you have the right protection for yourself and your vehicle. 

Required Auto Insurance in Arizona

Arizona requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Arizona requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $15,000 per accident.

Arizona Teen Driving Laws

Arizona operates under a Graduated Driver's License (GDL) program, which includes three stages: Graduated Instruction Permit, Graduated Driver's License, and Unrestricted Driver's License. 

  • Graduated Instruction Permit: Once your teen is 15 and 6 months old, they may apply for their graduated instruction permit. To obtain their permit, teen drivers must pass a written exam and a vision screening. 
  • Graduated Driver's License: At 16, teen drivers can apply for a graduated driver's license after holding an instruction permit for 6 months. For six months after obtaining their graduated driver's license, teen drivers cannot drive between the hours of midnight and 5:00 AM and may not carry more than one passenger under the age of 18, except siblings. 
  • Unrestricted Driver's License: Once 18, drivers may apply immediately for a full unrestricted license.

Arizona Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Arizona. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Arizona

No law in Arizona states that you must settle for the state's minimum auto insurance requirements. Because Arizona's minimum requirements are quite low, you can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Arizona auto insurance quote online, or by calling (888) 772-4247.

Learn More About Arizona

State of Arizona road sign
About Arizona

Home to the Grand Canyon and its desert landscape, Arizona is the perfect location for those looking for adventure. At 113,998 square miles, it is the 6th largest state in the United States.