Affordable Arizona car insurance that puts you first
Root rewards Arizona drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Arizona auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Arizona auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Grand Canyon State
Arizona driving changes fast, from Phoenix freeways to mountain switchbacks and wide-open desert roads. Whether you’re crossing Tucson, heading toward Flagstaff or making your way to Sedona, every region brings a different drive.
Phoenix freeway life: Loop 101, Loop 202, I-10 and US 60 are major routes around the Valley, where freeway driving is part of everyday life.
Desert to mountains: I-17 heads north toward Flagstaff, while I-10 connects Phoenix with Tucson. Farther out, drivers can head toward the Grand Canyon, Prescott, or Yuma.
Plan around delays: The Arizona Department of Transportation maintains state highways and provides travel information for drivers across Arizona.
From Phoenix to Tucson and beyond: Explore Arizona car insurance from Root.
Arizona's minimum auto insurance requirements
Arizona requires all drivers to show proof of financial responsibility for damages and injuries that may happen in an accident. There are two ways to prove financial responsibility in Arizona: proof of Liability insurance or a certificate of deposit (CD) of $40,000 assigned to the Office of the Arizona State Treasurer. Most Arizonans prove financial responsibility by showing proof of Arizona car insurance.
The minimum coverage amounts for liability car insurance required for drivers in Arizona are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$15,000 per accident
Types of Arizona auto insurance we offer
Explore our Arizona car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Arizona?
The average Arizona driver pays $2,420 per year for full coverage car insurance [2].
Root customers looking to purchase Arizona car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Arizona Auto Insurance FAQs
What is the minimum car insurance required in Arizona?
To legally operate a vehicle in Arizona, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Arizona.
Is it legal to drive without insurance in Arizona?
No, you cannot legally drive without auto insurance in Arizona. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Arizona?
Yes. Arizona requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Arizona?
The easiest ways to save on your Arizona car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Grand Canyon State.
Is Arizona a no-fault car insurance state?
No, Arizona is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Arizona?
Arizona law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Arizona?
No, Arizona drivers are not required to carry uninsured/underinsured motorist coverage. Root offers optional UM/UIM coverage in Arizona to help pay for eligible injuries when the at-fault driver has no insurance or insufficient coverage. Insurers in Arizona must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Arizona?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Arizona?
High-risk Arizona drivers may be ordered by a court or the Arizona MVD to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
Does car insurance cover windshield replacement in Arizona?
It can, if you add full glass coverage. Arizona law requires insurers to offer full glass coverage, which can pay to repair or replace your windshield without a deductible. It's an add-on to comprehensive coverage, and many Arizona drivers choose it because rock chips and heat-related cracks are so common.
What happens if I'm partly at fault for an accident in Arizona?
Arizona follows a pure comparative negligence rule, so you can recover damages even if you were mostly at fault for an accident. Your compensation is simply reduced by your share of fault. For example, if you're found 30% at fault, you could recover 70% of your damages.
Helpful resources for Arizona drivers
Arizona Department of Insurance and Financial Institutions
Arizona DIFI regulates insurance companies in the state and helps consumers with insurance questions and complaints.
Arizona Department of Public Safety
Arizona DPS serves as the state police and highway patrol, enforcing traffic laws on Arizona highways.
Arizona Department of Transportation
ADOT maintains state highways and runs the Motor Vehicle Division, which issues driver's licenses, vehicle titles, and registrations.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Arizona Department of Insurance and Financial Institutions. Automobile Insurance.
Insure.com. Annual average rates were compiled in 2026.