Arizona, say hello to fair car insurance. Your great state is known for the Grand Canyon, cacti galore, Hoover Dam, and the Fiesta Bowl. Now it can be known for fair car insurance, too, since Root offers good drivers up to 52% off their current rates.
We base rates primarily on how you actually drive, not just demographics like age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.
Since Arizona is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Arizona—from Phoenix to Tucson, Flagstaff to Yuma, and in every corner of the Grand Canyon State.
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.
Arizona is a “fault” insurance state—meaning the “at-fault” driver is responsible for paying the costs of damages and injuries to the other driver; however, Uninsured/Underinsured Motorist Bodily Injury (UM/UIM) coverage is not required under AZ law.
Liability coverage helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do).
Self-funded insurance allows AZ drivers to opt out of insurance by keeping a certificate of deposit (CD) account assigned to the Office of the Arizona State Treasurer. For more information on how to open an account, contact the Arizona State Treasurer’s office at (602) 542-7800.
Learn all about Root’s coverage options here:Our Coverages
Arizona is the 19th most expensive state in the nation, which means Arizonans are paying high annual premiums—an average of $1,3482—but many people are paying much more. Root customers are saving up to $1,187 per year, on average—all while enjoying simple, fair car insurance.