arizona car insurance
If you're shopping for car insurance in the Grand Canyon State, you're in the right place. Here you'll find info on everything from coverage requirements to Esurance perks, options, and more.
Arizona car insurance
Arizona requires its drivers to maintain the following coverages and 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.
Uninsured drivers in Arizona
A recent report estimated that 12 percent of Arizona drivers were uninsured, which was below the national average of 13.8 percent.
Uninsured and underinsured motorist bodily injury coverages, which are optional in Arizona, offer additional financial protection from uninsured or underinsured drivers.
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.
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.
Factors that can affect your rate in Arizona
- Vehicle type
- Past accidents/violations
- Driving history of other licensed drivers in your home
- Location where you car is garaged
Esurance in Arizona
We first brought our car insurance to Arizona drivers in 2000. Here are some of the options and perks available to Esurance customers.
Optional car insurance coverages in Arizona
- Comprehensive coverage
- Collision coverage
- Towing and labor
- Rental car coverage
- Customized parts and equipment coverage (comprehensive
and collision are prerequisites)
- Auto loan/lease gap coverage (comprehensive and collision
- Medical and funeral services coverage
- Uninsured motorist bodily injury coverage
- Underinsured motorist bodily injury coverage
If you loan or lease your car, comprehensive and collision coverage may be required by your loan or leasing agent.
Esurance discounts in Arizona
As an Arizona driver, you could qualify for these money-saving discounts when you buy your Esurance policy:
- Claim-Free discount
- Fast 5® discount (for starting your quote online)
- Like to Save™ discount
- Driving Device (or DriveSense) discount
- Homeowners discount
- Multi-Car discount
- Paid in Full discount
- Switch & Save® discount
- Good Student 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.
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.
The Esurance Coverage Counselor®
We'll give you personalized policy recommendations for your Arizona car insurance.
Arizona driver info
Our fact sheet is packed with stats and info that's relevant to Arizona drivers.
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.