Coverage
Auto insurance in Arizona
Arizona requires every registered vehicle to carry liability coverage, and the state minimum is a long way below what a serious accident costs. We start from what you own and what you would have to replace, then compare carriers on the coverage that matters rather than on the headline premium alone.
What this coverage generally includes
- Bodily injury and property damage liability
- Uninsured and underinsured motorist coverage
- Collision and comprehensive, including hail and theft
- Medical payments
- Roadside assistance and rental reimbursement, where offered
- Multi-car and multi-policy arrangements
What we will ask you
- Every vehicle, who drives it and roughly how far each year
- Every licensed driver in the household, including teens
- Whether any vehicle is financed or leased, and the lender
- Your current coverage limits and deductibles, if you have a policy
Worth knowing
- Arizona minimum limits are 25/50/15. They are a legal floor, not a recommendation.
- Rideshare and delivery driving is usually excluded from a personal policy. Tell us if anyone does it, so we can quote the endorsement or a commercial policy.
- A classic, collector or project car is better placed on a specialty policy with an agreed value.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- HomeCover for the structure, your belongings, and the liability of owning a home.
- CondoThe walls-in coverage your association master policy does not provide, plus your liability.
- RentersYour belongings and your liability. Inexpensive, and the one most renters skip.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- LifeTerm and permanent cover, sized to what the people who depend on you would need.
- BusinessGeneral liability, commercial property, commercial auto and workers compensation for Arizona businesses.
- Umbrella & specialtyExcess liability above your home and auto limits, plus the vehicles and risks a standard policy leaves out.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.