Arizona Car Insurance

Additional Arizona car insurance coverage

In addition to meeting Arizona’s auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

• Damage to your vehicle, including accidents and other covered losses.
• Injuries and medical expenses following an accident, regardless of fault.
• Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverage and how they work.

Customizing auto insurance in Arizona

After reviewing standard and optional coverages, you may be wondering how Arizona drivers typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many Arizona drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Arizona. Explore coverage options with YourPlan.

What affects your Arizona auto insurance rates?

There are several factors that impact auto insurance in Arizona, including individual circumstances, geographical location, weather patterns and more. Here are key points to consider:

• Driving history: Your driving record plays a significant role in determining your Arizona auto insurance premiums. Arizona drivers with a history of traffic violations typically pay higher rates than those with clean records.
• Coverage options and limits: The types and amounts of coverage you choose will affect your premiums. Choosing the minimum state-required coverage in Arizona is typically more affordable, while adding optional coverages with higher limits will result in higher premiums.
• Vehicle type: The make and model of your vehicle can influence Arizona auto insurance rates. Factors such as the car's safety ratings, repair costs and likelihood of theft can impact premiums.
• Claims in Arizona: The severity of claims filed in your state can influence Arizona car insurance rates. Higher rates of accidents, theft or other incidents may lead to higher premiums for all drivers in the area.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Arizona auto insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.¹ Here are some discounts that you may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years and three months.
  • Defensive driver training: Drivers aged 55+ who take an approved driver safety course can earn a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Arizona policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, Arizonans who bundle their policies with Amica may qualify for a valuable multiline discount.¹

Facts and figures about Arizona

Fun facts about Arizona:

• The Arizona National Scenic Trail is 800 miles long and stretches across the state. There’s something for everyone on the trail, with activities for equestrians, skiers, hikers and mountain bikers.²
• In 2024, motor vehicle crashes resulted in $20.8 billion in economic losses to Arizona.³
• Arizona observes Mountain Standard Time all year-round, meaning they don't participate in daylight saving time.⁴

Facts about driving in Arizona:

• Arizona's "Stupid Motorist Law" fines motorists who drive their vehicles into flooded areas and require emergency assistance to get out.⁵
• There are no highway tolls in Arizona.⁵
• The Arizona Department of Public Safety has a Roadside Motorist Assistance (RMA) program to help stranded drivers on the road.⁵

With Amica, Arizona drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.