AZ Auto Insurance
From the beauty of the Grand Canyon to the historic O.K. Corral, Arizona is home to natural wonders. While these sights are amazing to experience, drivers in Arizona still face unique risks, such as monsoon season and dust storms. With so much to see and do, it’s important that drivers have the right car insurance in AZ as they travel.
The
AARP® Auto Insurance Program from The Hartford
1 has been protecting AARP members and their families since 1984. With The Hartford’s high customer ratings for claims services, we’ve earned a reputation for integrity and trust.
“From the time I called The Hartford, I was treated with respect. They were interested in my well-being and getting my car repair done in a timely manner. They made a difficult and stressful situation easy to manage. All representatives were friendly, courteous, helpful and respectful.”
– Sully from Wisconsin
How Much Is Car Insurance in Arizona?
The average auto insurance cost in Arizona was $1,209 a year or about $101 a month.‡‡‡ Your premium may differ from the average based on different factors, such as your:
- Geographic location
- Driving history
- Type of vehicle
What Are the Minimum Coverage Requirements for Car Insurance in Arizona?
In the state of Arizona, it is illegal to drive without insurance. Arizona requires minimum liability coverage at the following limits:3
- Bodily injury: $25,000 per person, $50,000 per accident
- Property damage: $25,000 per accident
Types of Liability Coverage
It’s important to get minimum liability coverage that includes:
- Property damage liability protection to help pay for repairs to another person’s property or vehicle if you cause an accident.
- Bodily injury liability protection, which covers medical expenses if you injure the other driver or their passengers in a car accident.
Additional Car Insurance Coverages and Benefits Available to Arizona Drivers
AZ Auto Insurance Discounts and Benefits
As you look for coverage, remember that many car insurance companies have discounts and benefits. The Hartford offers up to 10% savings just for being an AARP member. There are also many other car insurance discounts for Arizona drivers, including savings for:
- Bundling, where you can save up to 12% on auto insurance and up to 20% on Arizona home insurance.** Our customers save an average of $813 by bundling with The Hartford.**
- Completing a defensive driving course.
- Paying your premium in full.
The AARP Auto Insurance Program from The Hartford also offers benefits like:
- New Car Replacement:§§ If you total your new car, your policy will help pay to replace it with a new vehicle of the same make, model and equipment, with no deduction for depreciation.
- Disappearing Deductible:‡ With this optional coverage, your collision deductible will be reduced over time, as long as you maintain a clean driving record.
- Accident Forgiveness:‡ As long as all the drivers on your car insurance policy have a clean driving record for five straight years, you’ll qualify for accident forgiveness.
- Labor & Towing Insurance: This optional coverage helps pay for emergency roadside assistance if you break down. To get this benefit, you’ll need our comprehensive coverage.
- RecoverCare:§ With this benefit, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you need after you’re injured in a car accident.
- 24/7 Claim Service: Our representatives are available at 800-243-5860, 24 hours a day, 7 days a week to walk you through our claim process.
Learn more about car insurance from The Hartford by calling
888-413-8970. The Hartford’s representatives will calculate your insurance rate based on factors like your:
- Driving records
- Location
- Credit-based insurance score
- Age
- Coverage levels
Other Arizona Auto Insurance Laws
Arizona Teen Driver Laws
Getting a driver’s license is a rite of passage for teenagers, but you’ll want to be sure they stay safe in the process. To help with this, Arizona has put graduated licensing laws in place to help young drivers gain the experience required to be safe behind the wheel. These laws limit nighttime driving and the number of passengers a teen can have in their car. They also make sure they get enough supervised driving practice.
Arizona Seat Belt Laws
Even though Arizona doesn’t have mandatory seat belt laws, you can receive a ticket for not wearing one if you’re pulled over for another traffic violation.
Proof of Car Insurance in Arizona
If you’re a licensed driver in the state of Arizona, it’s smart to keep a copy of your car insurance ID card in your vehicle with your registration. Arizona is also among several states that now accept electronic proof of car insurance and with The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Get a Car Insurance Quote in AZ
Last Updated: April 2, 2024
2 Bankrate, “Average cost of car insurance in Arizona for 2023”
3 Arizona Department of Transportation, “Mandatory Insurance FAQ.”
