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arizona car insurance

Good news, residents of the Grand Canyon State: Your car insurance premium doesn't need to be nearly as extreme as your state's summer temperatures. In fact, Esurance offers refreshingly competitive auto insurance rates, as well as 24/7 customer service, and an award-winning website. We embrace innovative technology to make the insurance process as hassle-free as possible for you, the customer.

When you get a free Arizona car insurance quote, you can even compare insurance rates among other top names in the industry. We're confident you'll soon be a member of the Esurance family, though, because all of our top-notch car insurance policies are built to save you time and money. (Now that's cool.)

arizona car insurance discounts from esurance

Whether you live in Phoenix or Flagstaff, see if you qualify for these money-saving discounts when you get a quote:

  • Claim-Free discount
  • Fast 5® discount
  • DriveSense™ discount
  • Homeowners discount
  • Pac-12 discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Good Student discount
  • Multi-Policy discount

Some exclusions may apply. If you're a current Esurance policyholder, give us a call at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts in Arizona.

car insurance coverages in arizona

Required coverages

Arizona requires its drivers to maintain the following coverages and minimum limits:

  • $15,000 bodily injury liability coverage per person
  • $30,000 bodily injury liability coverage per incident
  • $10,000 property damage liability coverage per incident

You'll often see these minimum limits written as 15/30/10.

Optional coverages

Here's an idea of some of the additional coverages we offer to provide you with extra protection and the security you need.

  • Comprehensive coverage
  • Collision coverage
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Auto loan/lease gap coverage
  • Medical and funeral services coverage
  • Uninsured motorist bodily injury coverage
  • Underinsured motorist bodily injury coverage

Some of these coverages require comprehensive and collision insurance as prerequisites on your auto policy.

Already an Esurance policyholder? Call us anytime at 1-800-ESURANCE (1-800-378-7262) if you have questions about your coverages. Some exclusions may apply.

factors that can affect your auto insurance rate in arizona

  • Vehicle year, make, and model
  • Past accidents and violations
  • Age and number of years licensed
  • Driving history of other drivers on your policy
  • Location where you car is garaged

insurance stats and facts in arizona

Uninsured drivers in Arizona

A 2011 report from the Insurance Research Council estimated that 12 percent of Arizona drivers were uninsured in 2009, which is below the national average of 13.8 percent.

Nonetheless, many states now require uninsured and underinsured motorist bodily injury coverage to prevent insured drivers from paying their own injury costs in the event of an accident with an uninsured or underinsured motorist.

Similarly, uninsured and underinsured motorist property damage coverage helps pay for repair or replacement costs if your vehicle is damaged by an uninsured or underinsured motorist. Both coverages protect you in hit-and-run situations.

Proof of insurance law

Arizona requires drivers to carry proof of car insurance coverage, like an insurance ID card, in their cars whenever they're driving.

You're allowed under state law to present proof of auto insurance on an electronic device such as a smartphone or tablet in case you get pulled over.

If you're already an Esurance customer, make sure to check out our helpful mobile app. You can save your ID cards to your phone (in addition to other awesome stuff) so that they're available offline — we know all those cacti can block cell reception!

Alternative car insurance options

If you're struggling to find coverage because of your driving history or a similar reason, contact the Arizona Department of Insurance at 1-800-544-9208.

car repair shops in arizona

Esurance customers who choose an Esurance-approved repair facility can take advantage of Repairview®, an online feature that lets customers see daily photos of car repairs in progress. In addition, they'll get guaranteed repairs for as long as they own their cars.

Find a shop in Arizona.

Related links

The Esurance Coverage Counselor®
We'll give you personalized policy recommendations for your Arizona car insurance.

The Arizona Department of Transportation
This official site can help with your licensing and vehicle registration needs.

The Arizona Department of Insurance
This site offers official insurance info.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262