Arizona
Arizona

Find out how much you can save on Arizona auto insurance.

Download the app. Take a test drive around the Grand Canyon State. Get a free quote.

Why choose Root for your Arizona car insurance policy?

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.

What makes Root different from traditional insurers in Arizona?

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:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good driving Arizonans save up to 52%.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

It’s a good time to be a good driver in Arizona.

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.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum auto insurance requirements in Arizona?

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).

Minimum liability coverage:

  • $15,000 per person for bodily injury
  • $30,000 total per accident for bodily injury
  • $10,000 per accident for property damage

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.

When you need to show proof of insurance:

  • When you’re involved in a car accident
  • When you’re stopped by a police officer
  • When you register your car in AZ

Fines and penalties when you’re caught without insurance:

  • Your driver’s license and vehicle registration can be revoked
  • You’ll have to pay a reinstatement fee ($10 for suspended licenses, $20 for revoked licenses) plus an application fee ($10 - $25, depending on age)
  • Your auto insurance company must file an SR-22—a potentially expensive, common proof of future financial responsibility—with the Arizona Department of Transportation (ADOT) Motor Vehicle Division, usually for 3 years. (This service is free with a Root policy.)

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What is the average cost of car insurance in Arizona?

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.

What our customers tell us

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Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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