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Better rates for better drivers in Arizona

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Fair car insurance in Arizona

From Phoenix to Tucson and Flagstaff to Yuma, good drivers in Arizona can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.

How it works

Car insurance rates are traditionally based on demographics—things like age, credit score, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price auto insurance.

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We use your smartphone to measure your driving behavior. Better driving = more savings.


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You can customize and purchase your policy, all in the Root app.

State requirements in Arizona

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. 

Liability coverage

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 required Liability coverage in Arizona: 

  • $25,000 per person for bodily injury

  • $50,000 total per accident for bodily injury 

  • $15,000 per accident for property damage

You can always opt for higher coverage.

What is SR-22 insurance?

SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the state. You can easily request an SR-22 in the Root app.

What other coverages does Root offer?




Rental Car coverage


Personal Injury Protection


Medical Payments




(including glass coverage)


Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Arizona?

The average Arizona driver pays $1,557 [1] per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers could save $900 a year—all while enjoying fair and simple car insurance.

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  1. Annual average rates were compiled in April 2020

Additional Resources

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information.