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Arizona Car Insurance

There’s a range of experiences and adventures available in Arizona, from the red rocks of Sedona to iconic Route 66. Having the right car insurance policy can ensure peace of mind while exploring these destinations or simply running errands. Amica offers car insurance for the unique needs of Arizonans, providing protection on the road so drivers can focus on enjoying their journeys safely.

Amica offers customized Arizona car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Understanding Arizona's auto insurance minimums

In Arizona, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $15,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Arizona mandates coverages for uninsured motorist bodily injury, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you're hurt in a car accident and the responsible party either doesn't have insurance, or doesn't have enough insurance.

It's important to understand that these are just the minimum requirements, and Arizona drivers may choose higher coverage limits for added protection. 

Additional Arizona car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Arizona drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Personal injury protection (PIP): Coverage for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of fault. This includes necessary medical bills, lost wages, funeral expenses and loss of services.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

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.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, 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.

If you're an Arizona driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 30% with a multiline discount.

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 2022, motor vehicle crashes resulted in $21.3 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.4
  • The Arizona Department of Public Safety has a Roadside Motorist Assistance (RMA) program to help stranded drivers on the road.4

How to get car insurance in Arizona

We’re here to guide you through the process of personalizing your car insurance in Arizona. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Arizona drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

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

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 Arizona Motor Vehicle Crash Facts 2022
3 The Arizona National Scenic Trail
4 Arizona State Library: Daylight Saving Time
5 Driving in Arizona

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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