Arizona Auto Insurance Quotes by Phone

Compare Arizona auto insurance quotes by phone and review coverage options based on your driving needs and budget. Speak with a licensed insurance professional to learn about Arizona’s minimum liability requirements and available coverage choices.

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Arizona Minimum Auto Insurance Requirements

Arizona requires financial responsibility for vehicles operated on state roadways. Most drivers meet this requirement by carrying an auto liability policy with at least the state’s minimum coverage limits.

$25,000

Bodily injury liability for one person in one accident

$50,000

Bodily injury liability for two or more people in one accident

$15,000

Property damage liability in one accident

These limits are commonly written as 25/50/15. Bodily injury liability may help pay for injuries you cause to other people, while property damage liability may help pay for damage you cause to another person’s vehicle or property. Coverage applies only up to the limits of the policy.

Arizona is a fault-based state. The driver who causes an accident may be responsible for resulting injuries and property damage. If more than one party shares responsibility, compensation may be reduced according to each party’s percentage of fault.

Arizona’s minimum liability coverage does not pay to repair your own vehicle or cover all of your own accident-related expenses. Because medical bills and vehicle repairs can exceed the minimum limits, drivers may want to compare higher liability limits and optional coverage when requesting quotes.

Review Arizona’s insurance requirements through the Arizona Motor Vehicle Division.

Arizona Auto Insurance Coverage Options

Arizona’s minimum liability insurance only covers certain losses you cause to others. Depending on your vehicle, finances, and driving needs, these optional coverages may provide additional protection.

Uninsured and Underinsured Motorist Coverage

Arizona insurers must offer uninsured and underinsured motorist coverage, but drivers may accept or reject it. These optional coverages may help with covered bodily-injury losses when an at-fault driver has no liability insurance or does not have enough coverage.

Medical Payments Coverage

Medical payments coverage, commonly called MedPay, is optional in Arizona. It may help pay eligible medical and funeral expenses for you and your passengers following an auto accident, regardless of who caused it, subject to the policy’s limits and terms.

Collision Coverage

Collision coverage may help repair or replace your vehicle after a covered crash with another vehicle or object, or if your vehicle overturns. It commonly includes a deductible and may be required by a lender or leasing company.

Comprehensive and Full Glass Coverage

Comprehensive coverage may help with covered non-collision losses such as theft, vandalism, fire, hail, flooding, falling debris, animal contact, and broken glass. With private-passenger comprehensive coverage, Arizona insurers must offer an option covering the repair or replacement of qualifying vehicle safety glass without a deductible.

Collision, comprehensive, MedPay, and UM/UIM are not part of Arizona’s basic liability requirement. However, a lender or leasing company may require collision and comprehensive coverage while the vehicle is financed or leased. Availability, limits, deductibles, exclusions, and costs can vary by insurer.

What Affects Arizona Car Insurance Rates?

Arizona auto insurance rates vary because insurers evaluate multiple details about the driver, vehicle, selected coverage, and where the vehicle is kept. Comparing similar coverage limits and deductibles can provide a more useful comparison than looking at price alone.

Common Factors Insurers May Consider

  • Driving record and claims history
  • Location and vehicle storage
  • Driver age and experience
  • Vehicle type and repair costs
  • Coverage limits and deductibles
  • Mileage and vehicle use
  • Insurance and credit-related history

Driving conditions vary considerably across Arizona. Phoenix and Tucson drivers may encounter dense traffic and frequent intersection activity, while rural and high-country travel can involve higher speeds, animal contact, remote roads, and longer distances between services. These differences can affect the types of coverage and limits drivers choose to compare.

US 93 and State Route 68 interchange near Kingman, Arizona

How to Compare Arizona Auto Insurance Quotes by Phone

Comparing Arizona auto insurance quotes by phone can help you ask questions, review available coverage, and understand how different limits and deductibles may affect the price of a policy.

1. Share Your Information

Provide basic information about the drivers, vehicles, garaging location, driving history, current insurance, and how each vehicle is used. Accurate information helps produce a more reliable quote.

2. Compare Available Options

Review available liability limits, deductibles, and optional coverages such as UM/UIM, MedPay, collision, comprehensive, and Arizona full glass coverage.

3. Review the Details

Before choosing a policy, confirm the coverage limits, deductibles, exclusions, discounts, payment terms, effective date, and total premium with the licensed insurance professional.

Frequently Asked Questions About Arizona Car Insurance

Arizona requires minimum liability limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $15,000 for property damage. These limits are commonly written as 25/50/15.

Arizona is an at-fault state, meaning the person responsible for an accident may be liable for resulting injuries and property damage. Arizona also follows comparative fault, so compensation may be reduced if more than one party shares responsibility. Arizona does not require personal injury protection, or PIP.

No. Arizona insurers must offer uninsured and underinsured motorist coverage, but the policyholder may accept or reject it. These coverages generally address covered bodily-injury losses and should not be assumed to cover damage to your vehicle.

When a private-passenger auto policy includes comprehensive coverage, the insurer must offer an option covering the repair or replacement of qualifying vehicle safety equipment without a deductible. This can include windshields, door and window glass, and certain materials used in vehicle lights. The option must be selected and is not automatically included with every policy.

Comprehensive coverage may help with covered hail, flooding, fire, falling debris, or wind-related vehicle damage. If reduced visibility or a flooded roadway results in a crash, damage to your vehicle may instead fall under collision coverage. Coverage depends on the policy’s terms, deductible, and exclusions.

Yes. Arizona allows drivers to display current evidence of financial responsibility on a wireless device. Failing to maintain required coverage can lead to registration or driver-license suspension, reinstatement costs, and a possible SR-22 requirement.

Have a general question? Visit our car insurance FAQ page for more information about coverage, quotes, and the calling process.

Looking for information about another location? Browse our auto insurance guides by state.

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