Cheap Car Insurance in Arizona
Arizona has something for everyone, from bustling cities to the natural beauty of its National Parks. Whether your idea of fun is shopping in downtown Phoenix, cheering on the Suns, or camping in the desert surrounded by cacti, affordable auto insurance helps protect you and your vehicle along the way. EagleWay Auto Insurance is proud to offer cheap car insurance in Arizona, the “Grand Canyon State.” Learn which coverages are mandatory, which are optional, and how EagleWay can help you save. Get a free quote today to see how much you could save.
Arizona Car Insurance Laws
Do you have to have car insurance in Arizona?
Arizona law requires all drivers to maintain continuous liability insurance for any vehicle they have registered in the state. Minimum liability coverage limits are expressed as three numbers in thousands of dollars. In Arizona, the limits are 25/50/15.
Arizona Minimum Car Insurance Requirements
Here’s a breakdown by coverage type:
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability Coverage protects you if you cause an accident that injures another person. | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability Coverage covers repair or replacement of property you damage in an accident. | Yes. $15,000 per accident. |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for injuries if the other driver has no or insufficient coverage. | Not required. |
| Collision Coverage helps repair or replace your vehicle after a collision. | Not required.¹ |
| Comprehensive Coverage covers non-collision damage like fire, flood, vandalism, or falling objects. | Not required.¹ |
IMPORTANT NOTE: Liability-only coverage meets Arizona law but may not fully protect you or your vehicle.
Additional coverage like comprehensive, collision, and uninsured motorist is recommended.
¹Coverage may be required by your lender if you lease or finance your vehicle.
Additional Coverage Options
Optional coverages for Arizona drivers include:
- Roadside Assistance*
- Auto Protection Plan*
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Arizona Proof of Financial Responsibility and Penalties
What if I don't meet Arizona’s minimum car insurance requirements?
Driving without insurance in Arizona has serious consequences. A first offense can result in a minimum $500 fine, and suspension of your license and registration. Each subsequent offense increases fines and suspension time. Insurance companies must notify the state’s Motor Vehicle Division of cancellations or non-renewals, so lapses are easily detected. Always carry proof of insurance and pay your premium on time.
Penalties for Driving with a Suspended License in Arizona
Operating a vehicle without a valid license is a Class 1 misdemeanor, punishable by up to 6 months in jail and potential vehicle impoundment.
SR-22 Insurance in Arizona
Some high-risk drivers may be required to file an SR-22 (certificate of financial responsibility) to prove they have proper coverage. This can happen if you have serious driving violations, failed to maintain coverage, or were convicted of a DUI/DWI. EagleWay Auto Insurance can help you file an SR-22 and ensure compliance with Arizona’s requirements.
High-Risk Auto Insurance in Arizona
Drivers with a history of violations may be considered high-risk. EagleWay Auto Insurance offers non-standard coverage to provide financial protection for these drivers. Your driving history shouldn’t define your future—EagleWay helps you get quality, affordable coverage regardless of past mistakes.
Where can I find the cheapest car insurance rates in Arizona?
Rates vary depending on:
- The amount & type of coverage you choose
- The year, make, and model of your vehicle
- How much and where you drive
- Your demographics
- Your driving record
- Your credit history
EagleWay Auto Insurance helps Arizona drivers find affordable coverage, including high-risk drivers. Get a free quote and work with an EagleWay agent to create a plan that meets state requirements and fits your budget.